1. Corporate Profile 2013 - 8.26 “x 11” Front Cover
Corporate Profile
HBL Corporate Office
HBL Plaza
I. I. Chundrigar Road
Karachi-75650
Pakistan
Tel: +92 21-32418000
Fax: +92 21-39217511
www.hbl.com
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About HBL
Pakistan’s Largest Bank
HBL was the first commercial bank to be established in Pakistan in 1947. With a history that is
inextricably linked with the history of Pakistan itself, HBL has always been a bank and a brand for the
masses. Over the years, HBL has grown its branch network and become the largest private sector bank
with over 1,590 branches and more than 1,300 ATMs across the country, servicing a customer base
that exceeds 6 million relationships.
HBL’s key areas of operation encompass product offerings and services in Retail Banking, Investment
Banking, Commercial and Corporate Banking; of which HBL has the largest portfolio in Pakistan. SME
and Agriculture lending programmes and banking services are also offered in urban and rural centres.
HBL is currently rated AAA (Long term) and A-1+ (Short term) with 'Stable' outlook and has a balance
sheet size of USD 16.285 billion. It is also the first Pakistani bank to raise Tier II Capital from external
sources.
Global Presence
HBL has presence in 24 countries, subsidiaries in Hong Kong and the UK, affiliates in Nepal, Kenya and
Kyrgyzstan and representative offices in Iran and China. In the UK and GCC, HBL focuses on trade
finance and remittances for the South Asian diaspora in addition to basic banking facilities.
HBL’s key offerings in international markets
• Servicing small to medium size commercial loans
• Trade facilitation, arrangements of funds/liquidity
through international multilateral agencies
• Risk participation, along with developing
cash management solutions
• Facilitating correspondent banking business
• Delivering deposit and other technologically driven
products like debit cards and internet banking facilities.
• Focus on home remittances, mainly in the Middle East,
Europe and UK.
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Excellence
This is at the core of everything we do.The
markets in which we operate are becoming
increasingly competitive, giving our customers
an abundance of choice. Only through being the
very best - in terms of the service we offer, our
products and premises - can we hope to be
successful and grow.
Integrity
We are the leading bank in Pakistan and our
success depends upon trust. Our customers -
and society in general - expect us to possess and
steadfastly adhere to high moral principles and
professional standards.
Customer Focus
We understand fully the needs of our
customers and adapt our products and services
to meet these. We always strive to put the
satisfaction of our customers first.
Meritocracy
We believe in giving opportunities and
advantages to our employees on the basis of
their ability. We believe in rewarding
achievement and in providing first-class career
opportunities for all.
Progressiveness
We believe in the advancement of society
through the adoption of enlightened working
practices, innovative new products and
processes and a spirit of enterprise.
Vision
Enabling people to advance with confidence and success.
Mission
To make our customers prosper, our staff excel and create value for
shareholders.
Values
Our values are the fundamental principles that define our culture and are
brought to life in our attitude and behaviour. It is these values that make us
unique and unmistakable. Our values are defined below:
Retail and Consumer Banking
With over 6 million relationships and a network of over 1,500 branches and 1,000 ATMs in Pakistan,
HBL is the largest retail bank in the country. HBL caters to all market segments, offering products that
are as diverse as the people it serves.
HBL remains resolute in its commitment to
providing products that are competitive and
services that are exemplary.
The Consumer Banking group of HBL has
been serving it’s clients with a suite of
products ranging from personal to auto
loans, along with a credit card product suite,
and has established itself as a bank with the
fastest growing portfolio in Pakistan. HBL
also recently acquired Citibank’s Consumer
Asset Business in Pakistan, propelling the
bank to be one of the largest card providers
in the country.
Corporate Banking
The Corporate Banking Group (CBG) holds a
leadership position in the market, being the
largest corporate lender in Pakistan. In
conjunction with Investment Banking and
Treasury, CBG offers all forms of products
including:
• Working Capital Lines
• Margin Loans
• Seasonal Cash Finance
• Trade Finance
• Term Loans
• Project Finance
• Lease Finance
HBL’s Vision, Mission & Values Business Groups
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• Performance & Standby Letters of Credit and Letters of Guarantee
• Foreign Exchange
• Interest Rate and Foreign Currency Derivative Products
• Corporate Cash Management Solutions
CBG's customer base spans a wide range of industries which include large groups in Pakistan’s
traditional textile sector to new ventures in the cement, power, fertilizer, and telecommunication
sectors. This market leader position, and the innovative solutions offered to customers, has been
recognised globally with several awards from prestigious independent publications including
The Banker and Global Finance.
Investment Banking
HBL Investment Banking (IB) is the most active corporate finance house in Pakistan in terms of
securing, structuring and executing transactions. HBL’s investment banking unit in Pakistan offers a
complete spectrum of investment banking services to cover project finance advisory and debt
arrangement, debt syndications, capital market placement & advisory, equity capital markets and
M&A advisory. HBL IB, as one of the leading financial services provider in the domestic as well as
international markets, has unmatched expertise of managing transactions in excess of USD 16.5 billion
since 2007. HBL has also structured and successfully executed landmark transactions in Pakistan,
including Pakistan's first hydel based independent power producer, a deal which earned the bank
Euromoney's ‘Middle East Deal of the Year Award’ in 2010.
Global Treasury
Treasury services play an integral role in today's global environment as interconnected economies are
rapidly blurring physical boundaries in international trade. HBL in its capacity as the largest
commercial bank in Pakistan also has the largest treasury in terms of volumes transacted. HBL
Treasury primarily specialises in
offering optimal over- the-counter
hedging solutions. The installation
of state-of-the-art electronic
trading systems, specialised
knowledge workers and market
assessment resources contribute
towards sustaining a dynamic work
environment that is conducive to
proactive strategy implementation.
HBL Treasury also enabled the bank
to be one of the first local
commercial banks to execute a
foreign currency option and trade
repurchase agreement
transactions.
Financial Institutions and Global Trade Services
HBL’s Financial Institutions and Global Trade Services (FI-GTS) unit provides comprehensive product
coverage to a wide range of financial institutions from commercial banks, investment banks, insurance
companies and non-bank financial institutions. As Pakistan’s largest multinational, HBL is a
strategically aligned partner for international banks handling trade flows between counterparties from
around the globe. Our multilateral trade finance arrangements with International Finance Corporation
(IFC), Asian Development Bank (ADB) and European Bank for Reconstruction and Development (EBRD)
allows us broader access to finance, reduce cash collateral requirements and achieve price advantage.
In addition, HBL provides cash management solutions for domestic and international banks, leveraging
its wide domestic distribution network combined with cash management capabilities. HBL’s presence
in key money centre locations as well as CHIPS/FEDLINE membership in New York gives it access to
clear in major currencies. Furthermore, HBL is uniquely positioned to play an increasingly important
role in regional trade flows going forward due to an established global footprint, local knowledge and
renewed focus in key emerging markets in Asia, Middle East, and East Africa.
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Global Remittance Business
With increasing national importance being given to the home remittance industry, HBL has structured
Global Remittance Business (GRB) Division in order to exclusively exercise concerted efforts in channeling
remittances to Pakistan.An inflow of remittances in excess of USD 3 billion was routed through HBL in the
year 2013, displaying an exponential growth. HBL’s success is derived from its strong international presence
vis-à-vis collaboration with tie-ups in crucial remittance concentrated regions, as well as HBL’s own
international network in 25 countries. GRB is committed to facilitate overseas Pakistanis and their loved
ones by ensuring impeccable service standards, real time integrated solutions for instant payments and
continued product development.This together with massive outreach through largest branch network
allows HBL to maintain its position as a market leader and pioneer in remittances.
Payment Services
Payment Services consists of four primary business units - Cash Management, Cards, Branchless Banking
and Alternate Delivery Channels - which strive to provide financial services to a broad range of customers
in Pakistan, as well as several countries across the world. Alternate Delivery Channels continue to gain
stride and this success is demonstrated through the growth of HBL’s ATM network by 38% across 2012.
With over 1,300 ATMs we provide access not only through our branches, but also at numerous off-site
locations across the country. HBL offers branchless banking services as well, offering its customers a
convenient and secure way to carry out financial activities such as domestic funds transfer and bill
payments through a network of retail outlets.
Awards
2014
Best Trade Finance Bank - Pakistan
Global Trade Review
2013
Best Bank in Pakistan
Euromoney
No. 1 FX Bank in Pakistan
Euromoney
Best Retail Bank in Pakistan
Asian Banker
Best Trade Finance Bank - Pakistan
Global Trade Review
Best Trade Finance Bank - Pakistan
Global Financial Market Review
2012
Best Emerging Market Bank
Global Finance
Award for Trade Finance Excellence
Trade Finance
2011
World’s Best Trade Finance Banks - Pakistan
Global Finance
2010
Middle East Deal of the Year Award
Euromoney
Best Deal of the Year Award
Asset Country Awards
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Financial Highlights - ConsolidatedProgress at a Glance
For the year ended December 31, 2013 (US Dollars)
US$ in Million Percentage
Financial Position
2013 2012 Variance
(Restated) %
Deposits 13,304 11,535 15
Balance Sheet size 16,286 15,291 7
Advances - Net 5,352 4,746 13
Liquid Assets 8,881 8,742 2
Net Worth 1,352 1,260 7
Profit & Loss
Total Net Income (net of interest cost) 706 700 1
Total Expenditure 350 295 18
Provision against loans & Others 13 67 (81)
Pre-Tax Profit 343 338 2
Profit after Taxation 219 216 1
Earnings per share (Rs/Share) 17.15 17.02 1
Financial Ratios
Non-Interest Income to Total Income 26 22
Total Assets Growth Rate 7 41
Net Non-Performing Loans to Net advances 3 3
Coverage Ratio 72 73
Capital Adequacy Ratio 15.39 15.31
Total Risk Weighted Assets on Total Assets 49 48
Net Advances to Deposits 40 41
Liquid Asset to Deposits Ratio 67 76
Return on Average Assets 1 2
Return on Average Equity 18 21
Others
Home Remittances 2,921 2,574 13
Exports / Imports Remittances 6,165 5,167 19
BalanceSheet
1Shareholders'Equity&RevaluationSurplus
2TotalAssets
3TotalDeposits
4Advances(net)
5Investments(net)
6TotalIncome
7TotalExpenditure
8ProvisionforNPLs&Others
9ProvisionforTaxation
11Profit/(Loss)afterTaxation
12HomeRemittances
13ImportsRemittances
14ExportsRemittances
15NumberofBranches
16NumberofStaffofHBL
OperatingResults
Others
10Profit/(Loss)beforeTaxation
(US$inmillions)
20032004200520062007200820092010201120132012
2423214155416106738579781,1151,3571,334
4,4775,0215,4446,1157,0927,7188,8939,51811,73016,57616,286
3,7124,1654,4524,7265,4696,1467,0287,6939,61012,50613,304
1,8902,6673,2623,5973,9344,6974,6804,7324,7085,1455,352
1,6351,3851,1051,2311,8031,3362,2282,6244,3098,2057,843
220243338401410495554615733759706
101142162177189225238257310327350
6026343081979680697313
15154363396282103123129124
5675142194141174220278353359343
415999131102112138175230230219
4774885646868169731,3281,6332,3322,7902,921
1,4361,6721,5791,9471,8393,0772,5223,2953,3682,9313,494
1,2211,3801,2241,2101,3351,7761,8232,3612,8932,6712,671
1,4701,4691,4701,4771,4891,5081,4941,5011,5061,5401,594
8,80018,62516,31414,57214,55214,12313,21113,26913,66113,97813,842
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Branches
Subsidiaries
Affiliates
Representative Offices
For more information on any of our locations, please visit www.hbl.com
United Kingdom
Belgium
France
Turkey
Bahrain
UAE
Iran
Oman
Afghanistan
Bangladesh
Sri Lanka
Maldives Singapore
Seychelles
Mauritius
Hong Kong
China
Nepal
Kenya
Lebanon
Netherlands
United States of America
Kyrgyz Republic
Pakistan
International Locations
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Global Network
BRANCHES
Afghanistan Kabul: Main Branch
Serena Hotel
Bangladesh Dhaka: Motijheel
Gulshan
Uttara
Karwan Bazar
Naya Bazar
Chittagong
Sylhet
Maldives Male
Sri Lanka Colombo: Main Branch
F.C.B.U.
Lake View
Kalmunai
Kandy
Bahrain Manama: Main Branch
OBU
Muharraq
Riffa
Oman Muscat: Central (Ruwi)
Muttrah
Al-Khuwair
Walja Area
Seeb
Sohar
Salalah
Nizwa
UAE Dubai: Deira
Naif Road
Bur Dubai
Abu Dhabi: Main Branch
Sheikh Zayed Road
Al Ain
Sharjah
Mauritius Port Louis: Main Branch
Rose Hill
Curepipe
Chemin Grenier
Flacq
Seychelles Mahe
Singapore Singapore branch
Belgium Brussels
France Paris
Lebanon Beirut
Netherlands Rotterdam
Turkey Istanbul
Kenya Nairobi: Koinange Street
Mombasa
Malindi
USA New York City
REPRESENTATIVE OFFICE
Iran Tehran
China Beijing
AFFILIATES
Nepal Himalayan Bank Ltd.
Kenya Diamond Trust Bank Kenya Limited
Kyrgyz Republic Kyrgyz Investment Credit Bank
SUBSIDIARIES
Hong Kong Habib Finance International Limited
UK Habib Allied International Bank Plc
London: Edgware Road
Whitechapel Road
Green Street Road
Southhall Branch
Manchester
Birmingham
Leicester
Glasgow
Habibsons Bank Plc
London: Portman Street - UK
Switzerland Zurich
