Complete history and CSR activities

1. Presented By
Naeem Shoukat 0012
Hafsa Idrees 0023
M Usman Akhtar 0029
Amir Hafeez 0038
Hammad Ahsan 0041

2. Introduction and History
• Founded in 25 August 1941 in Bombay
• Established by Habib family
• Capital 25000rupess
• Quaid-E-Azam was 1staccount holder
• Head quarter move Karachi after born
of Pakistan

3. Habib bank plaza
located in
Karachi. It is
the head office
of habib bank.

4. Branches of HBL
• It has more then 1700 branches at
domestic level
• 55 branches in 26 different countries U.K ,
U.S.A, Hong Kong etc
• Largest banking sector of Pakistan

6. Nationalization & Privatization
• HBLwasNationalizedin1974andit continue to
Dominatethe Commercialbankingsector.
• OnFebruary26, 2004, Managementcontrol was
handedovertoAghaKhanFundfor Economic
development.

7. Vision, Mission and Values

8. VISION
“Enabling people to advance
with confidence and success”

9. MISSION
“To make our Investor(s)
prosper, our staff excel and to
create value for our
stakeholders.”

10. VALUES
“Our values are based upon the fundamental
principles that define our culture and are
brought to life in our attitude and behaviour.
It is our values that make us unique and
stem from five basic principles.”

11. Progressiveness
We believe in the advancement of society through the adoption of enlightened
working practices, innovative products and processes, and a spirit of enterprise.
Customer Focus
We need to fully understand the needs of our customers and to adapt our products and
services to meet their requirements. We always endeavor for customer satisfaction as
our primary goal.
Excellence
This is at the core of everything we do. The markets in which we operate are becoming
increasingly competitive providing our customers an abundance of choice. Only by
being the very best – in terms of the services we offer, our products and premises – we
become successful as we continue to grow.
Integrity
We are the leading bank in Pakistan, and our success depends upon building trust at
every level. Our customers – and society in general – expect us to possess and
steadfastly adhere to high moral principles and professional standards.
Meritocracy
We believe in giving opportunities and advantages to our employees on the basis of their
ability. We reward achievements and provide enriching career opportunities for all​.

12. BOARD OF DIRECTORS
• SULTAN ALI ALLANA
(Chairman)
• AHMAD JAWAD
(Director)
• MUSTAFA MALIK
(Director)
• SAJID ZAHID
(Director)

13. BOARD OF DIRECTORS
• MOEZ JAMAL
(Director)
• SIKANDAR MUSTAFA
(Director)
• R.ZAKIR MAHMOOD
(President & CEO)

15. 1. R.ZAKIRMAHMOOD President&
CEO
2. SIMAKAMIL
Head-retail& consumerbanking
3. AYAZAHMED
Chieffinancial officer
4. JAMILIQBAL
ChiefComplianceofficer
5. SALIMAMLANI Groupinternal audit
6. TULUISLAM
GM-BRANCH& TRADEOPERATIONS
7. NAUSHEENAHMED
Companysecretary& headlegal
8. SOHAILMALIK Chiefriskofficer
9. NAUMAN K.DAR
Head-corporate& investmentbankingand International
banking
10. ABIDSATTAR
Head-Globaloperations& learningand development

16. 11. MUDASSIRH. KHAN Chiefinformation
officer
12. ASLAMGADIT
Head-remedial assets
13. MIRZASALEEMBAIG HEAD-
ISLAMICbanking
14. ALYMUSTANSIR
Headof marketing& brandmanagement
15. M.SALAHUDDINMANZOOR Global
treasurer
16. DR.RAZIAZMAT
HeadHuman Resources
17. FAIQSADIQ
HEADPAYMENTSERVICE
18. ABDURRASHIDAWAN
Businesshead-semiurbanareas
19. AMANAZIZ SIDDIQUI
RGM-GULF(USE,OMAN, BAHRAIN)
20. SHAHIDFAKHRUDIN
Gm-International& Market RiskManagement

17. AWARDS
2008
•Best Bank in Pakistan
•Most Innovative MarketAward
2009
•The Best Emerging Market Bank in Pakistan
•HBL Among Top 500 Global Financial Brands

18. AWARDS
2010
HBL wins Emerging Market Bank Award in Pakistan
The annual World Bank and IMF Meetings 2010 in
Washington, D.C., HBL was presented with 2
awards:
Best Bank Pakistan and Best Trade Finance
Provider Pakistan.
These awards were conferred on HBL in
recognition of its achievements in product
delivery and service quality in the markets
where it operates.

19. •Bank of the Year in Pakistan
(The Banker)
•Safest Bank in Pakistan
(Global Finance)
•Best Domestic Bank – Pakistan
(Asiamoney)
•Brand of the Year, Banking – Pakistan
(World Branding Awards)
•Best Investment Bank in Pakistan
(Global Finance)
AWARDS 2017

20. AWARD 2017
•Best Retail Bank in Pakistan
(Asian Banker)
•Best Trade Finance Bank in Pakistan
(Global Finance)
•Best Bank for Small Business and Agriculture
(Institute of Bankers Pakistan (IBP) Awards)
•Best Environmental, Social and Governance Bank
(Institute of Bankers Pakistan (IBP) Awards)
•The Innovators of Transaction Services
(Global Finance, Digital Bank Awards)

21. DEPARTMENTS

22. Cash Department
The cash department is the most important
department of the bank, it receives cash from
the customer and then deposit it into the
accounts of the customer and maintain their
balances.

23. Bills and Remittances Department
The main functions of this
department is to deal in following:
1.Outward bills for collection(OBC)
2.Inwards bills for collection(IBC)

24. Foreign Exchange Department
The main function of this department is
to facilitate the imports and exports
by opening up of letter of credit the
banks provide.

25. Credit Department
The function of credit department is to lend money
in the form of clean advances against promissory
notes, as well as secured advances against tangible
and marketable securities. The bankers prefer such
securities that do not run the risk of general
depreciation due to market fluctuations.

26. PRODUCTS

27. Deposit Accounts
Current Accounts:
•HBL Freedom Account
•HBL Business Value
Account
•Current Account
•Basic Banking Account
Savings Accounts:
•HBL Value Account
•PLS-Saving Account
•Daily Munafa Account

28. DEPOSIT ACCOUNTS
Term Accounts: Foreign Currency:
•HBL AdvantageAccount •Foreign Currency Saving
Account
•Investment Plus Deposit
•High Yield Foreign
Currency Fixed Deposit

29. SAVING ACCOUNT
HBL’s saving account cater to individual saving habits.
After the Islamlization of banking system in the
country it has given the name as PLS account.
Account Opening Amount: Rs.100
Minimum Deposit: Rs.20,000
Maturity Rate: NIL
Interest Rate: 5.06% annually

30. HBL BUSINESS VALUE ACCOUNT
Now for businesspersons there are
different transactions account.
Account Opening Amount: NIL
Minimum Deposit: Rs.10,000
Maturity Rate: NIL
Interest Rate: NIL
Features:
Free duplicate account statements

31. HBL ID
HBL ID is to attract the age group of 18-24.to learn
them how to manage there finances, how to spend,
how to save money etc so that the finally get there
desire item.
FEATURES:
Open an account with any amount and enjoy the
flexibility of no minimum balance .
Saving buckets for 3 or 12 months. profit rate up to
9%
Free cheque book teen age.
Mobile Top-ups facility.

32. FOREIGN CURRENCY ACCOUNT
Offered in multiple currencies.
Account Opening Amount:1,000$, 1,800 €
Minimum Deposit: 1,000$ OR €
Interest Rate: min 0.1 and max 0.90
Features:
• Loan up to 90%

33. MONEY CLUB
HBL offers money club younger saving
account for age 6 to 7 years.
FEATURES:
Open an account with any amount.
Attractive profit rate.
Free cheque book and debit card.
Welcome pack and gifts.
Savings rewards are given at monthly
or annually
bases.

34. HBL BUSINESS VALUE ACCOUNT
Now for businesspersons there are
different transactions account.
Account Opening Amount: NIL
Minimum Deposit: Rs.10,000
Maturity Rate: NIL
Interest Rate: NIL
Features:
Free duplicate account statements

35. PRESTIGE BANKING
Prestige banking is for old employees and customers
having account in HBL.
FEATURES:
Personalized services.
Free cheque book.
Free debit card with exceed limit.
Black color cheque book and ATM card.
Facilities in airport lounge.

36. TERM DEPOSIT ACCOUNT
Term account is for meet your daily banking needs.
Account Opening Amount: No charges
Minimum Deposit: Rs.25,000
Maturity Rate: After 3months,6months,1year
Interest Rate: 7%, 7.50%, 10.25%
Features:
• Free cheque books and ATM cards.
• Free Account statements

37. SERVICES

38. Services
• ATM
• Internet Banking
• Mobile Banking
• Phone Banking
• Debit Card
• Credit Cards

39. ATM
•Cash withdrawal
•Account Balance
Enquiry
•Mini Statement
•Funds Transfer
•Utility Bill
Payment
Internet Banking
•Funds Transfer
•HBL Credit Card bill
payment
•Cheque book Request
•Utility Bills payment

40. Mobile Banking
•Funds Transfer
•Utility Bills payment
•Account / Credit Card
balances
•Account / Credit card
statements
Phone Banking
•Balance inquiry
•Account information
•Stop cheque payment
request
•Credit Card activation
& de-activation
Call 111-111-425 for:

41. Debit Card
• All services offered through ATM can be
availed using HBL Debit card
• Upto 15% on leading restaurants

42. Credit Cards
Gold Card Green Card
Credit Limits
Minimum
150000
Maximum
500000
Minimum
20000
Maximum
149000

43. HBL ADVANCES

44. Car Loan
HBL CarLoan helps you get your preferred car through a simple
and hassle-free process, backed by superior service and support.
Features
•Choice of used, new local/imported and reconditioned imported
car
•Repayment options ranging upto 7 years.
•Upto 85% of financing for the car of your choice.
•Insurance at all times for complete peace of mind and security.

45. HBL CAR TO CAR
With HBL car to car, upgrade your car frequently at half
the monthly installment
FEATURES
Installment 0% to 0% less than conventional
financing
Free upgrade to a new car every 2years
Security via insurance and tracking system
Buy back guarantee

46. Home Loan
HBL HomeLoan offers financing options to purchase a new
house or renovate an existing house.
Outright Purchase
The outright purchase loan
option provides financing for
buying a new house.
Home Improvement
Home-improvement loan option
provides financing for renovating
your house.

47. Personal Loan
HBL Personal Loan
With HBL Personal Loan Gain the freedom
to use hard cash for all your needs.
•Processing Fee on approval only.
•Repayment tenures 12 to 60 months
•Amount Rs. 25000 to Rs.2000000
•Quick Processing
•Free life insurance

48. Bancassurance
HBL and New Jubilee Life Insurance Company Limited (NJLI) introduce
Amaan: Retirement Plan Tabeer: Education & Marriage Plan
Amaan is a pension plan that provides
an opportunity for growth through
investment in a balanced portfolio with
post-retirement income benefits.
Tabeer is a plan that provides
parents with a means to
accumulate a fund over a
period of time which can then
be used to pay for a child’s
education or marriage.

49. SWOT Analysis

50. STRENGTHS
yearsof•HABIBBankis well established bank enjoying long history of over78
experience and profitable operation.
•HBL is the largest private bank in Pakistannow and peopletrust is very high
•Ithasthe largest branch network among private banksof Pakistan.
•HBLhasbeen very effective in controlling costs asit successfully restructured
itself after privatization.
•Excellent branches appearance gives an edge to HBL over other banks. The
branches are well furnished even in less developed areas where other banks
branches give apoor view.

51. WEAKNESS
•All branches are not online
•Low rate of interests on deposits
•Unfavorable union activities and management conflicts
•Checking System is at intra-department level
•Weak marketing policies
•Centralized management in particular areas

52. OPPORTUNITIES
•Huge untapped market
•Growth of international network
•Opportunities for growth and expansion in cash management.
•Faster market growth represents opportunity to grow
•Restoration of investor’s confidence and pick up in private sector
investment flows.
•Large deposit base and funds flow can help to avail related market
opportunities

53. THREATS
•Other private commercial bankwith soundprofitabilityisalsoa
threat to HBLe.g.UBL,Alfalfa, MCBetc.
•Forthe 2to 3 years,Pakistanis facingeconomic andpolitical
instability which isabigthreat.
•Foreignbanksare flourishing in field ofconsumer financing.
•Afghan war andterrorisms hasaneffect on the economyof
Pakistan.
•Increasedregulations from state bankof Pakistanmayaffectits
business.

54. Financial Analysis

55. Balance Sheet
PKRBln Jun'18 Dec'17 Var%
Cash & BankBalances 279.8 286.8 -2%
Lending to Financial Institutions 51.8 33.9 53%
Investments 1,355.2 1,374.8 -1%
Performing Advances 928.3 845.2 10%
Non Performing advances - net ofprovision 6.3 6.3 0%
Net Advances 934.6 851.5 10%
Others 143.6 137.0 5%
Total Assets 2,765.0 2,684.1 3%
Deposits - Domestic 1,896.3 1,762.3 8%
Deposits - FMFB 24.8 20.9 19%
Deposits - International 196.5 215.8 -9%
Total Deposits 2,117.5 1,998.9 6%
Borrowings 333.5 397.8 -16%
Subordinated loan 10.0 10.0 0%
Others 107.9 88.6 22%
Total Liabilities 2,568.9 2,495.3 3%
Shareholders' equity 173.9 163.9 6%
Non - controlling interest 3.7 3.5 7%
Surplus on revaluation of assets - net oftax 18.4 21.4 -14%
Total Liabilities & Equity 2,765.0 2,684.1 3%

56. NetAdvances
Loan portfolio composition by line of business
Coverage ratio
International Advances – Location wise
UAE
36.1%
United Kingdom
24.4%
Singapore
2.0%
Oman
9.1%
Bahrain
10.7%
Bangladesh
4.5%
Mauritius
2.4%
Others
10.8%
Asset quality
Net loans:
PKR123BnCorporate
52.4%
Retail
5.9%
Consumer
5.1%
Agriculture
3.3%
Commercial
5.7%
Others
14.5%
International
13.1%
Net loans:
PKR935Bn
12.7%
12.0%
10.9%
9.2%
8.2%
7.6%
Dec'13 Dec'14 Dec'15 Dec '16 Dec'17 Jun'18
80 80 77 75 76 76
67 66 69 69 70 70
84% 83% 90%
91% 92% 92%
100%
95%
90%
85%
80%
75%
70%
65%
60%
55%
50%-
90
80
70
60
50
40
30
20
10
100
Dec'13 Dec'14
%coverageratio
PKRBln
NPL
Dec'15 Dec 16 Dec 17 Jun'18
Provision Held Coverage

57. 411
522
600
698
733
791
Dec13 Dec14 Dec15 Dec16 Dec17 Jun18
PKRBln
Growthincurrentdeposits
Period End Deposits
PKR Bln Jun'18 Dec'17 Var%
Current 689.1 627.8 10%
Saving 952.5 894.3 7%
Term 254.7 240.2 6%
Domestic 1,896.3 1,762.3 8%
International 196.5 215.8 -9%
FMFB 24.8 20.9 19%
Group 2,117.5 1,998.9 6%
CASA Ratio - D o m 86.6% 86.4% 0.2%
CASA Ratio - Group 84.2% 83.5% 0.7%
Average Deposits
PKR Bln
H1'18
(Actual)
H1'17
(Actual)
Var%
Current 600.4 521.8 15%
Saving 874.5 809.7 8%
Term 218.1 189.4 15%
Domestic 1,692.9 1,520.8 11%
International 199.5 297.0 -33%
FMFB 22.7 12.3 84%
Group 1,915.1 1,830.2 5%
Cost of deposits - Do m 2.83% 2.66% + 17bps
Cost of deposits - Group 2.68% 2.40% + 28bps
29.4% 34.2% 36.7% 37.0% 36.7% 37.3%
43.9%
43.9%
45.8% 45.3% 46.8% 46.8%
26.7% 21.9% 17.5% 17.7% 16.5% 15.8%
Dec13 Dec14 Dec15 Dec16 Dec17 Jun18
DepositsComposition
Current Saving Term
Deposits

58. HBL’s balance sheet has grown by 3%
over Dec’17 to PRs 2.8 trillion

60. ACTIVITIES OF THE FIRM
There are three activities perform in firm.
2015
1 . Cash flows from operating activities, value is
Rs3 13,931,4902.
2.Cash flows from investing activities, value isRs295,988,6423.
3.Cash flows from financing activities, value isRs12,783,733
2016
1 . Cash flows from operating activities, value isRs172,844,2112
. Cash flows from investing activities, value isRs74,944,3023.
3.Cash flows from financing activities, value is Rs21,223,280

61. There are three activities perform in firm.
2015
1 . cash flows from operating activities, value is313,931,4902.
cash flows from investing activities, value is295,988,6423. cash flows from
financing activities, value is12,783,733
2016
1 . cash flows from operating activities, value is172,844,2112.
cash flows from investing activities, value is74,944,3023. cash flows from
financing activities, value is 21,223,280

62. Corporate Social Responsibility (CSR)
• HBL is committed to fulfilling its role as a responsible Corporate Citizen. To
achieve its CSR goals, the Bank established the HBL Foundation in 2009
with a mandate to promote the development and well-being of the
underprivileged, and improve their quality of life.
• The Bank contributes 1% of its profits annually to the HBL Foundation in its
endeavour to promote more egalitarian society
• During 2015, the Bank donated Rs. 387 million, both to the
HBL Foundation and also directly to deserving causes including the
Earthquake Relief Fund in Nepal.
• And during 2016, the Bank donated Rs. 380 million.

63. Corporate Social Responsibility (CSR)
HBL is committed to responsible Environment,
Social and Governance (ESG) practices and the
year 2016 was recognized as the Best Bank in
Pakistan in this area by the Institute of Bankers
Pakistan.

64. HBL sponsored several theatre and cultural events, the most notable being the
Karachi Literature Festival and the Children’s Literature Festival in 2014.
Corporate Social Responsibility (CSR)

66. • In 2014 the Bank partnered with the Azad Foundation for the uplift street
children through their engagement with sports by promoting them at a global
level. HBL showcased the achievements of Pakistan’s Street Children Team who
won the bronze medal at the World Cup in Brazil.
Corporate Social Responsibility (CSR)

67. Corporate Social Responsibility (CSR)
• HBL has also maintained close follow up on ESG activities in Thar where
HBL is an active investor and also worked with the Amir Khan Trust to
provide clean drinking water through the digging of wells in the Thar area.
• In 2016, the HBL Foundation donated Rs. 144 million to strengthen the
endowment funds of 14Government and NGO-run hospitals across the
country.
• The Foundation also collaborated with the Marie Adelaide Leprosy Center,
Karachi to conduct 5 eye surgical camps in Balochistan and provided
financial support to the Abdul Sattar Edhi Foundation for the purchase of
20 large ambulances.

68. Corporate Social Responsibility (CSR)
• HBL has taken several steps in making medical services more
easily accessible in far flung areas, partnering with the Shahid Afridi
Foundation to help establish a maternity hospital for women in remote
areas of KPK.
• The Bank also strongly believes in promoting education and in 2016, the
Foundation has provided financial support of Rs. 104 million to 21
educational institutions throughout Pakistan.
• Bank also contributing Rs. 5 million each towards the endowment funds of
15 higher education institutions across the country.

69. Corporate Social Responsibility (CSR)
HBL donated a sum of Rs. 100 million to the fund to Diamer Bhasha and
Mohmand Fund initiated by Supreme Court of Pakistan.

70. HBL collaborated with the Indus Hospital, Korangi, Karachi to support them in their mission
to expand to a larger facility to be able to serve more under-privileged patients with free of
charge and quality healthcare.
Corporate Social Responsibility (CSR)

71. Bank regularly sponsors /cosponsors several sports events.
Corporate Social Responsibility (CSR)

72. HBL PROVIDE CLEAN DRINKING WATER TO 40 VIILAGES IN THAR

74. Conclusion
HBL is clearly the first choice of everyone who believes
in qualitative approach of bankinganenvironment of highly
responsiblepeople. Bankisenjoying ahealthy market shareand taste
of good status in terms of its operative features
support. HBL is clearly the best bank operating inPakistan.
Corporate andcommercial functions are distinguished features of HBL
experiencing a good reputation and reasonablemark up with
respect to prevailing market mark up with assuranceof satisfaction and
support. HBLhasmore customers ascompare to other banks,if they given
proper attention to every customer then in few yearsit will bethe
leadingbankof the country