HBL established operations in Pakistan in 1947 and moved its head office to Karachi.

Our first
international branch was established in Colombo, Sri Lanka in 1951 and Habib Bank Plaza was built in
1972 to commemorate the bank’s 25th Anniversary.

With a domestic market share of over 40%, HBL was nationalized in 1974 and it continued to dominate
the commercial banking sector with a major market share in inward foreign remittances (55%) and loans
to small industries, traders and farmers. International operations were expanded to include the USA,
Singapore, Oman, Belgium, Seychelles and Maldives and the Netherlands.

On December 29, 2003 Pakistan's Privatization Commission announced that the Government of Pakistan
had formally granted the Aga Khan Fund for Economic Development (AKFED) rights to 51% of the
shareholding in HBL, against an investment of PKR 22.409 billion (USD 389 million). On February 26,
2004, management control was handed over to AKFED. The Board of Directors was reconstituted to
have four AKFED nominees, including the Chairman and the President/CEO and three Government of
Pakistan nominees.

HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown
its branch network and become the largest private sector bank with over 1,450 branches across the
country and a customer base exceeding five million relationships.

The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of the Bank's
shareholding and management control. HBL is majority owned (51%) by the Aga Khan Fund for
Economic Development, 42.5% of the shareholding is retained by the Government of Pakistan (GOP),
whilst 7.5% is owned by the general public i.e. over 170,000 shareholders following the public listing
that took place in July 2007.

With a presence in 25 countries, subsidiaries in Hong Kong and the UK, affiliates in Nepal, Nigeria, Kenya
and Kyrgyzstan and rep offices in Iran and China, HBL is also the largest domestic multinational. The
Bank is expanding its presence in principal international markets including the UK, UAE, South and
Central Asia, Africa and the Far East.

Key areas of operations encompass product offerings and services in Retail and Consumer Banking. HBL
has the largest Corporate Banking portfolio in the country with an active Investment Banking arm. SME
and Agriculture lending programs and banking services are offered in urban and rural centers.   Rating
HBL is currently rated AA (Long term) and A-1+ (Short term) and has a balance sheet size of over USD 11
billion. It is the first Pakistani bank to raise Tier II Capital from external sources.

Our Brand

Our brand identity is the outward expression of what we stand for as

an organization. This is summarized in our vision, mission and is
supported by our values.
 
 Vision   Mission

“Enabling “To make our

people to customers
advance with prosper, our
confidence and staff excel and
success” create value for
shareholders”
 
Values

Our values are the fundamental principles that define our culture
and are
brought to life in our attitudes and behaviour. It is our values that
make
us unique and unmistakable. Our values are defined below:
 
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.