Habib Bank Limited Financial Report
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Habib Bank Limited (HBL) is Pakistan's largest bank, established in 1947 as the first commercial bank in Pakistan at the request of Muhammad Ali Jinnah. Over the years, HBL has grown to have over 1,650 branches and 2,100 ATMs globally, serving 27 million customers worldwide. The bank was privatized in 2004 with AKFED acquiring a 51% stake, and remains Pakistan's largest private bank with a diverse range of banking services offered.
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Habib Bank Limited Financial Report
- 2. Presented by Muhammad Muaz Khalid 007 Kamran Abbas 001 Shoaib Rais 009 Presented To Ma'am Qurat Ul Ain Butt
- 3. Introduction HBL, Pakistan’s largest bank, was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its branch network and maintained its position as the largest private sector bank in Pakistan with over 1,650+ branches and 2,100+ ATMs globally, serving 27 million customers worldwide.
- 4. Introduction HBL Pakistan's Largest Bank First Commercial bank to be established in Pakistan in 1947 1,650+ branches and 2,100+ ATMs globally Banking and Financial Services Financial Position Network The Government of Pakistan (GoP) privatized HBL in 2004 through which Aga Khan Fund for Economic Development (AKFED) acquired 51% of the Bank’s shareholding and the management control. The remaining 41.5% shareholding by the GoP was divested in April 2015. AKFED continues to retain 51% shareholding in HBL while the remaining shareholding is held by individuals, local and foreign institutions and funds including CDC Group Plc which holds 4.99% and International Finance Corporation which holds 0.87%.
- 5. History Originally established in 1941, HBL moved its operations to Pakistan in 1947 at the request of Muhammad Ali Jinnah, hence becoming the first commercial bank to lay its foundation in the country.
- 6. HBL has not just been a pioneer in the banking industry, but has also been a platform that has enabled dreams for millions of people. It has time and again, proven to be a catalyst for change by initiatives that have elevated Pakistan’s image and reputation. From bringing back international cricket to Pakistan through HBLPSL, to helping strengthen the economy of the country through historic initiatives such as the Ehsaas Emergency Cash Program, HBL continues to enrich lives. 1947 After the partition of India in 1947, the bank moved its headquarters to Karachi, Pakistan. 1941 Originally established in 1941 1970 first Pakistani bank to open a branch in London, UK 2002 HBL became a public company and was listed on the Pakistan Stock Exchange. 2004 The Bank was Privatized A brief history of HBL
- 7. Integrity Be Ethical and Fair Customer Centric Deliver great Experience Value People Respect, Empower, and Appreciate Excellence Be your Best Values
- 8. Vision Statement "Enabling People to Advance with Confidence and Success" Mission Statement "To Make Our Customers Prosper, Our Staff Excel and Create Value for Stakeholders"
- 9. Services Offered Habib Bank Limited offers a wide range of banking and financial services to its customers
- 10. HBL Haryali Account Current Accounts Overview HBL Asaan DigitalAccount HBL FreelancerAccount HBL Basic BankingAccount HBL AsaanAccount HBL Foreign Currency CurrentAccount HBL FreedomAccount Current Accounts HBL offers a fine range of accounts to help you manage your finances seamlessly
- 11. Saving Accounts Overview HBL PLS SavingsAccount HBL Daily ProgressiveAccount HBL Daily MunafaAccount HBL Mahana Amdan HBL ValueAccount HBL MoneyClub HBL Foreign Currency SavingsAccount Saving Accounts HBL offers a fine range of accounts to help you manage your finances seamlessly
- 12. Term Deposit Accounts Overview High Yield Foreign FixedDeposit HBL Investment PlusDeposit (IPD) HBL NoticeDeposit (ND) HBL AdvantagePlus HBL AdvantageAccount TERM DEPOSIT ACCOUNTS HBL offers a fine range of accounts to help you manage your finances seamlessly.
- 13. Loans Fulfil your dreams with our loan products and build the future you see for yourself HBL PersonalLoan A loan facility that provides you financial assistance whenever you need it. This will help you finance your dreams as well as be your support in difficult times. HBL CarLoan HBL CarLoan offers you the freedom to choose any vehicle on a fixed mark-up rate facility to suit your personal requirements HBL ReadyCash HBL Readycash is a one stop solution to fullfill all your financing needs it offers a smooth finance facility with a credit line.
- 14. SWAT Analysis A SWAT analysis is a strategic planning tool used to evaluate the strengths, weaknesses, opportunities, and threats (SWOT) of a company. Here is a brief SWOT analysis of Habib Bank Limited (HBL):
- 15. Strength Brand Recognition Diverse product and service Strong financial performance
- 16. Weaknesses Dependence on the domestic market Limited international presence:
- 17. Opportunities Growing demand Expansion into new markets
- 18. Threats Intense competition Economic and political risks Cybersecurity risks
- 19. PEST Analysis A PEST (Political, Economic, Social, and Technological) analysis is a tool used to identify and analyze the external factors that can impact a business. Here is a brief PEST analysis of Habib Bank Limited (HBL):
- 20. Political Factors Government regulations Political instability Taxation policies Exchange controls
- 22. Social Factors Demographics Consumer attitudes and behavior Social media Cultural values
- 24. Item 1 Item 2 Item 3 Item 4 Item 5 25 20 15 10 5 0 Financial Analysis Financial analysis is the process of evaluating a company's financial performance and position using financial statements and other financial information. Here is a brief financial analysis of Habib Bank Limited (HBL):
- 25. Annual growth rate of around 7% over the past 5 years Net profit margin of around 22% over the past 5 years Total assets of around PKR 1.7 trillion (approx. $10.5 billion) Total liabilities were around PKR 1.5 trillion (approx. $9.3 billion) The bank's equity was around PKR 200 billion (approx. $1.2 billion) Financial Analysis
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