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Private Client Services Wealth Management Private Client Services Wealth Management Habib Bank AG Zurich HBZ has a long tradition and a unique position Banking tradition since 1941 Habib Bank AG Zurich (HBZ) draws on a rich tradition of commerce and banking dating back to 1941 when its predecessor, the pioneering Habib Bank Limited, was founded in British India. HBZ, as we know it today, was incorporated in Zurich, Switzerland – a major financial center and the heart of the global Private Banking industry – in 1967. Family-owned – a different approach to reputation and privacy The Habib family, which has been committed to banking for five generations, vouches for the firm’s excellence with its name and reputation. Service with Security for over 50 years 2 HBZ Group Financial Highlights Balance Sheet 2016 2015 2014 2013 2012 Total Assets 11'449 10'583 9'804 7'772 7'850 Liquid Assets 1'301 1'043 941 853 687 Advances 3'319 3'195 3'408 2'871 2'351 Client Deposits 9'314 8'696 8'018 6'398 6'289 Reserves 834 798 782 703 704 Shareholder's Equity 1'047 1'000 987 873 877 For further details, kindly download the latest HBZ annual report under www.habibbank.com «The Banker» magazine ranked HBZ in 2017 as the • 4th Most Sound Bank in Switzerland and as the • 231st Most Sound Bank in the World The Banker Magazine1 2017 2016 2015 2014 2013 2012 World Ranking in Soundness2 231 204 166 126 129 152 (out of 1'000 Banks) Swiss Banking in Soundness2 443555 (out of 266 Banks) Swiss Banking in Tier 1 Capital3 27 27 27 27 27 27 (out of 266 Banks) 1 «The Banker» is an international financial affairs publication owned by «The Financial Times Ltd». The magazine was first pub- lished in January 1926. «The Banker» is the world's premier banking and data analyst of the banking industry (www.thebanker. com) 2 Soundness defined as Capital Asset Ratio = Leverage Ratio (Tier 1 Capital/Total Assets) 3 Tier 1 Capital defined as per latest BIS Guideliens (Basel III Rules) 3 Our global network HBZ Group constists of 346 Offices, 5'073 Employees (as per 31 December 2016) South Africa: HBZ Subsidiary: HBZ Bank Ltd (9 Branches) Canada: HBZ Subsidiary: Kenya: Habib Canadian Bank HBZ Branches: (3 Branches) Nairobi (3 Branches) Mombasa (1 Branch) United Kingdom: HBZ Subsidiary: UAE: London (5 Branches), SouthHBZ Branches: Africa: Glasgow, Manchester, HBZDubai Subsidiary: (5 Branches) Leicester, Birmingham SouthSharjah Africa:(1 Branch) HBZ Subsidiary:HBZ Bank Ltd (9 Branches) Canada: Abu Dhabi (2 Branches) Switzerland:Switzerland HBZ Bank+ 1 Subsidiary Ltd (9 Branches) Company Canada:HBZ Subsidiary: Kenya: Zurich, HBZ Head Office + Branch HBZ Services FZ LLC HBZ Subsidiary:HabibZurich, Canadian HBZ Head Bank Office Kenya:HBZ Branches: Habib(3 CanadianBranches) Bank HBZ Branches:Nairobi (3 Branches) (3 Branches) NairobiMombasa (3 Branches) (1 Branch) SouthUnited Africa: Kingdom United Kingdom: Mombasa (1 Branch) UnitedHBZHBZHBZ Kingdom: Subsidiary: Subsidiary: Subsidiary: UAE: HBZLondon Bank (5 Ltd Branches), (9 Branches) HBZ Subsidiary:SouthHabib Africa: Bank Zurich plc UAE:HBZ Branches: Canada:Canada Glasgow, Manchester, LondonHBZ (5Subsidiary: Branches), HBZ Branches:Dubai (5 Branches) HBZHBZ Subsidiary: Subsidiary: Kenya:Leicester,London Birmingham Glasgow,HBZ Bank Manchester, Ltd (9 Branches) DubaiSharjah (5 Branches)(1 Branch) Habib Canadian Bank HBZGlasgow Branches: Canada:Habib Canadian Bank Leicester, Birmingham SharjahAbu(1 Dhabi Branch) (2 Branches) (3 Branches) NairobiSwitzerland: (3 Branches) HBZ Subsidiary: Kenya:Manchester Abu +Dhabi 1 Subsidiary (2 Branches) Company Mississauga Mombasa (1 Branch) Habib Canadian Bank Switzerland:Zurich,Leicester HBZ Head Office + Branch + 1 SubsidiaryHBZ Services Company FZ LLC SouthUnitedScarborough Africa: Kingdom: HBZ Branches: (3 Branches) Zurich,Nairobi HBZ Head (3 Branches) Office + Branch HBZ Services FZ LLC HBZBrampton Subsidiary: UAE:Birmingham Mombasa (1 Branch) HBZLondon Bank (5 Ltd Branches), (9 Branches) HBZ Branches: United Kingdom: Canada: Glasgow, Manchester, Dubai (5 Branches) HBZ Subsidiary: UAE:UAE HBZ Subsidiary: Kenya:Leicester,Kenya Birmingham Sharjah (1 Branch) London (5 Branches), HBZ Branches: Pakistan: Habib Canadian Bank HBZ Branches: AbuHBZ Dhabi Branches: (2 Branches) Pakistan:Pakistan Glasgow,HBZ Branches: Manchester, Dubai (5 Branches) HBZ Subsidiary: (3 Branches) NairobiSwitzerland: (3 Branches) + Dubai1 Subsidiary Company HBZHBZ Subsidiary: Subsidiary: Leicester,Nairobi Birmingham Sharjah (1 Branch) Habib Metropolitan Bank Ltd (307 Branches) MombasaZurich, HBZ (1 Head Branch) Office + Branch HBZ Services FZ LLC Habib Metropolitan Bank Ltd (307 Branches) AbuSharjah Dhabi (2 Branches) + Habib1 Representative Metropolitan Office Bank Ltd United Kingdom: Mombasa + 1 Representative Office Switzerland: Abu Dhabi HBZ Subsidiary: UAE: + 1 Subsidiary Company with Habib Metropolitan Zurich, HBZ Head Office + Branch HBZ Services FZ LLC Bangladesh: London (5 Branches), HBZ Branches: + 1 Subsidiary Bangladesh:Financial Services South Africa HBZ Representative Office: Glasgow, Manchester, SouthDubai Africa: (5 Branches) HBZ Services FZ LLC HBZ Representative Office: Dhaka+ 1 Representative Office Karachi Leicester, Birmingham HBZSharjahHBZ Subsidiary: Subsidiary:(1 Branch) Dhaka HBZAbuHBZ Bank Dhabi Bank Ltd (2Limited (9 Branches) Branches) Hong Kong: Canada:Switzerland: + 1 Subsidiary Company HongHong Kong: Kong Durban HBZ Subsidiary: HBZZurich, Subsidiary: HBZ Head Office + Branch Kenya:HBZ Services FZ LLC HBZ Subsidiary: Johannesburg HabibHBZ Subsidiary:Bank Zurich (Hong Kong) Ltd (5 Branches) Habib Canadian Bank HBZ Branches: Habib Bank Zurich (Hong Kong) Ltd (5 Branches) (3 Branches) NairobiLenasia (3 Branches) +Pakistan: Habib1 Representative Bank Zurich Office (Hong Kong) +HBZ 1 Representative Subsidiary: Office MombasaLaudium (1 Branch) Limited Hong Kong United Kingdom: Habib Metropolitan Bank Ltd (307 Branches) Boksburg + 1 Representative Office Hong Kong HBZ Subsidiary: UAE: + 1 Representative Office London (5 Branches), HBZPietermaritzburg Branches: Glasgow, Manchester, DubaiVeereniging (5 Branches) Bangladesh:Bangladesh HBZ Representative Office: Leicester, Birmingham SharjahIslamic(1 Branch Branch) HBZ Representative Office Dhaka Abu Dhabi (2 Branches) Dhaka Switzerland: 4 + 1 Subsidiary Company Zurich, HBZ Head Office + Branch HBZ Services FZ LLC Hong Kong: HBZ Subsidiary: Habib Bank Zurich (Hong Kong) Ltd (5 Branches) + 1 Representative Office Introducing Wealth Management Banking for your community Wealth Management is based on trusted relationships and referrals that are carefully cultivated over years, if not genera- tions. HBZ has built an enviable reputation in famously tight-knit South-Asian communities and has an extensive network through its business presences. Swiss service – uniquely proactive and flexible We are intimately familiar with our clients’ specific requirements, addressing their needs proactively and managing their expectations. We have a strong track record of putting our clients’ needs first and consulting customers according to the best of industry standards. Competence – Advise, Portfolio Management, Research Our employees are hand-picked and among the finest banking professionals in the industry. They ensure that our clients receive the best possible advice. 5 Our services Investment Advice • Investment advice in line with HBZ house view • Research recommendations based on your Investment Profile and Portfolio Investment Needs • Asset allocation advise and portfolio health check • Investments expertise on Pakistan Discretionary Portfolio Management • Global and regional multi-asset class portfolios discretion- ary managed according to Portfolio Risk Profile and your specified investment guidelines Brokerage Services • Global fixed income (new issues, secondary market) • Global equity markets • Mutual funds and hedge funds • Currencies and precious metals both on spot and forward basis; physical purchase of gold and silver • Dual Currency Deposits • Listed options • Sharia-compliant products • Structured products 6 Other Banking Services • Fiduciary Deposits / Term Deposits • Lombard Lending • Commercial Loan (property backed) *in specific markets only • Trade Finance: letters of credit, bill discounting and related services • E-banking • Safe deposit boxes 7 Our investment advice Investment products and HBZ house view publications ü Regular market updates and commentaries ü Recommendation lists across asset classes ü Portfolio reviews and proposals 8 9 Our focus on Wealth Management Extract from Khaleej Times Special Report November 2017 Tighter rules and regulations govern the global a result of the adoption by the Swiss government of a so- wealth management industry entailing the end of called white money strategy, local wealth managers have traditional bank secrecy and heralding a new era of noted renewed interest in Switzerland as a booking center. transparency. Political stability, sound economic governance but also the quality and breadth of services offered have reasserted themselves as key selection criteria for individuals looking Since Habib Bank AG Zurich’s Silver Jubilee, the world has for a safe home for their wealth. experienced dramatic changes and, with it, the global wealth management industry has undergone a deep and In terms of regulation, tentatively at least, it appears that fundamental transformation. While the nature of the the wave has crested. In the coming years, we are con- business has remained the same – personalized financial vinced that wealth managers will be concerned
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