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HISTORY OF HBLHISTORY OF HBL

Established operations in Pakistan in 1947 and moved headEstablished operations in Pakistan in 1947 and moved headoffice to Karachi. The first HBL international branch wasoffice to Karachi. The first HBL international branch wasestablished in Colombo srilanka in 1951 and habib plazaestablished in Colombo srilanka in 1951 and habib plazawas build in 1972 .was build in 1972 .

HBL with domestic market share of over 40% HBL wasHBL with domestic market share of over 40% HBL wasnationalized in 1974, it continued to dominate thenationalized in 1974, it continued to dominate thecommercial banking sector with a major market share incommercial banking sector with a major market share ininward foreign remittances 55% and loan to small industry,inward foreign remittances 55% and loan to small industry,traders and formerstraders and formers

International operation were expanded to include the USA,International operation were expanded to include the USA,Singapore, Owman, Belgium, Maldives and Netherlands,Singapore, Owman, Belgium, Maldives and Netherlands,

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HBL Brand, Vision and MissionHBL Brand, Vision and Mission

HBL brand identify is the outward expression of what we stand for asHBL brand identify is the outward expression of what we stand for asan organization. This is summarized in our vision, mission and isan organization. This is summarized in our vision, mission and issupported by our values.supported by our values.

Vision: Enabling people to advance with confidence and success.Vision: Enabling people to advance with confidence and success. Mission: To make our customers prosper and our staff excel and createMission: To make our customers prosper and our staff excel and create

value for share holders.value for share holders. Value: HBL values are the fundamental principles that define ourValue: HBL values are the fundamental principles that define our

culture and are brought to life in our attitude and behavior.culture and are brought to life in our attitude and behavior. Awards: HBL win the following awards.Awards: HBL win the following awards. 2008, the HBL win the best Bank award in Pakistan.2008, the HBL win the best Bank award in Pakistan. 2009, the HBL win the best emerging market in Pakistan.2009, the HBL win the best emerging market in Pakistan. 2010, HBL win once again the best emerging market award.2010, HBL win once again the best emerging market award.

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Locations.Locations.

HBL has the largest domestic Branch network with overHBL has the largest domestic Branch network with over1400Brances and is present in 25 countries. HBL head1400Brances and is present in 25 countries. HBL headoffice in Karachi.office in Karachi.

Individual Customer:Individual Customer:

CarToCar, HBL Car to Car offers matchless features andCarToCar, HBL Car to Car offers matchless features andunique option at the end of the lease.unique option at the end of the lease.

Features: Pay only for what you use, when lease a careFeatures: Pay only for what you use, when lease a careunder HBL Car to Car you only pay for that party of theunder HBL Car to Car you only pay for that party of the

Cars value that you use during lease terms.Cars value that you use during lease terms. Upgrade of life style: HBL gives you guarantee that if youUpgrade of life style: HBL gives you guarantee that if you

wish to return the car to us at the end of the lease termwish to return the car to us at the end of the lease termyou will not have to pay off the cars residual value.you will not have to pay off the cars residual value.

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HBL Credit Card.HBL Credit Card.

HBL Credit card makes shopping fun andHBL Credit card makes shopping fun andpay simple, HBL VISA.pay simple, HBL VISA.

Benefits of Credit Card: Buy what you wandBenefits of Credit Card: Buy what you wandwhen you wand and pay for it later.when you wand and pay for it later.

Flexibility: You can go to any specified HBLFlexibility: You can go to any specified HBLBranch and with draw cash at the counter.Branch and with draw cash at the counter.

You can also go to anyone link ATM inYou can also go to anyone link ATM inPakistan displaying VISA logo.Pakistan displaying VISA logo.

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HBL Phone Banking.HBL Phone Banking.

You can use the interactive voice responseYou can use the interactive voice response(IVR) system or talk to HBL Officers.(IVR) system or talk to HBL Officers.

Get your account balanceGet your account balanceGet information about the last 5Get information about the last 5--1010

transactions carried out on your account.transactions carried out on your account.

Request your bank statement either throughRequest your bank statement either throughfax or email.fax or email.

Inquiry about HBL product offerings.Inquiry about HBL product offerings.

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HBL Zari Banking.HBL Zari Banking.

HBL Zari Banking facilities are spread across theHBL Zari Banking facilities are spread across thecountry and provide financial through more thancountry and provide financial through more than800 Branches.800 Branches.

HBL Zari Banking Provide loans to small scale landHBL Zari Banking Provide loans to small scale landowning farmers as well as large base finance,owning farmers as well as large base finance,enhancing agricultural harvest and in turnenhancing agricultural harvest and in turneconomic output of the country.economic output of the country.

Crop Inputs: Crop specific finance for purchase ofCrop Inputs: Crop specific finance for purchase of

agricultural inputs such as seed, fertilizer,agricultural inputs such as seed, fertilizer,pesticide and other related inputs.pesticide and other related inputs.Tobacco: Finance available to farmers engaged inTobacco: Finance available to farmers engaged in

the cultivation of tobacco crop.the cultivation of tobacco crop.

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Continue.Continue.

Tractors/Agricultural Vehicle:Tractors/Agricultural Vehicle: Finance available to individual farmers, selfFinance available to individual farmers, self

employed tractor operators, providing the optionemployed tractor operators, providing the optionto select vehicles from a range of differentto select vehicles from a range of differentmanufacturers.manufacturers.

Livestock: Finance available for feed, medicines,Livestock: Finance available for feed, medicines,raw material raising charges and other relatedraw material raising charges and other relatedactivities.activities.

Group lending: Joint finance facility for a group ofGroup lending: Joint finance facility for a group offarmers with small land holdings for workingfarmers with small land holdings for workingcapital requirement.capital requirement.

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THANK YOUTHANK YOU