Professional Documents
Culture Documents
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.
HBL has the largest Corporate Banking portfolio in the country with an
active Investment Banking arm. It encompasses product offerings and
services in Retail Banking and, in recent years, Consumer Banking as well.
HBL is expanding its presence in principal international markets including
the UK, UAE, South and Central Asia, Africa and the Far East.
RATING:
HBL is currently rated AA (Long Term) and A-1+ (Short term). HBL is the
first Pakistani bank to raise Tier II Capital from external sources.
MISSION & OBJECTIVES
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.
VISSION s
“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 attitudes and behavior. 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
Jamil A. Khan
Group Executive, Mudassir H. Khan
Global Operations Group Executive,
Chief Compliance Officer
Faizan Mitha
Group Executive, Salim Amlani
Global Treasurer Group Executive, Audit,
BRR & Investigation
Kashif Shah
Group Executive, Yousuf Nasir
Investment Banking Group Executive,
Information Technology
Aly Mustansir
Head of Marketing Nausheen Ahmad
& Brand Management Company Secretary
& Head of Law Division
INDIVIDUAL CUSTOMERS
HBL caters to all market segments, offering products that are as diverse as
the people we service. We remain resolute in our commitment to provide
products that are competitive and services that are exemplary.
HBL provides the following products and services to meet its individual
customer requirements:
IINDIVIDUAL CUSTOMERS
Debit Card
Deposit Accounts
PhoneBanking
BancAssurance
Mutual Funds
HBL offers a wide range of accounts suited to meet individual customer
needs. They are:
Term Accounts:
Current Accounts:
Our Current Accounts offer features that meet your daily banking needs.
Saving Accounts:
HBL Visa Debit Card allows you to pay for your purchases directly from
your bank account. You don’t have to carry cash and your monthly
statement provides you with a complete record of all your transactions so
you can manage your expenses with ease.
No Interest
Ease & Security
No Liability
International Recognition& Acceptability
Spending Limits
Free Account Statement
24 hour Customer Service
Global Customer Assistance Service
PHONE BANKING
HBL offers a wide range of products and services for its business customers.
They are as follows:
BUSINESS CUSTOMERS
Commercial Banking
Corporate Banking
Islamic Banking
Investment Banking
Cash Management
Asset Management
HBL Corporate Banking Group comprises a seasoned team of Relationship
Managers (RMs) to meet the demanding service standards of large
corporations. A long history of financing and nurturing relationships in
Pakistan has given HBL a unique insight, enabling us to provide timely and
effective financial solutions for our customers to meet the growing
challenges of a global economy.
If you are a corporate customer, with a turnover of at least PKR 300 million,
we have a range of solutions designed to help you with your banking needs.
Our RMs have the expertise you need to create tailored financial solutions
catering to the specific requirements of your business.
Centres C
Corporate Center, Karachi Stock Exchange, Lahore
Export Processing Zone, Karachi Corporate Center, Islamabad
PIA Branch, Karachi Morga Branch, Rawalpindi
Karachi Port Trust, Karachi Corporate Center, Faisalabad
Steel Mills, Karachi Corporate Center, Multan
Stock Exchange, Karachi
HBL’s Commercial Banking Group targets medium sized companies with a
turnover of at least PKR 50 million. Our business units are located in
Karachi, Lahore, Faisalabad, Sialkot, Gujranwala and Peshawar. Each unit is
dedicated to service business clusters located within these cities.
We have the ability and the resources to meet the needs of your business
with our pro-active, responsive and experienced Relationship Managers who
are committed to understanding your business.
• Guarantees
Centres C
Project Finance,
Services
Advantages
* Centralized Collections / Funds Transfer
* Centralized Payments / Disbursements
* Customized MIS Reporting
* Centralized Customer Support through
I IT/Operations
eBanking/InternetBanking
* Electronic MIS reporting through email
* Viewing of account statement through E-Banking
service
* Dedicated Customer Support Officers for Query
Handling and Reconciliation
HBL’s Agriculture loans are spread across the country and provide financing
through over 800 branches. We have the largest private bank portfolio in the
country with over PKR 18 billion in various agriculture sectors. HBL’s
presence in all agriculture belts of the country ensures easy access to farmers
in rural areas.
The following products ensure that customer needs are fully met with respect
to their farming requirements: