DOCSLIB.ORG

Annual Report 2015

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Annual Report 2015 Habib Bank AG Zurich Annual Report 2015 Habib Bank AG Zurich Table of contents Group ke iure 2 etter ro the hairan an the reient Habib Bank AG Zurich the Group 5 Group oraniation tructure irector report Group inancial tateent Balance heet 12 ncoe tateent 1 ahlo tateent 1 tateent o chane in euit 1 ote to the conoliate inancial tateent 20 planation o rik anaeent 2 Report o the tatutor Auitor 52 Bank inancial tateent Balance heet 5 ncoe tateent 5 tateent o chane in euit 5 Appropriation o proit coerae o loe other itribution Report o the tatutor Auitor Aree 5 1 Habib Bank AG Zurich Group key figures* in H illion 31.12.11 31.12.12 31.12.13 31.12.14 31.12.15 Balance sheet otal aet 5 50 2 0 105 hareholer euit1 0 1000 Aance 25 251 21 0 15 epoit 2 01 Income statement otal incoe2 05 2 25 1 2 peratin epene 151 15 151 1 10 peratin reult 102 551 20 12 Group proit lo 1 0 2 2 otal aet in H illion hareholer euit 1 in H illion Aance in H illion epoit in H illion 1000 0 12000 1000 500 3'195 10000 10'583 0 8'696 0 21 01 000 25 10000 000 5 00 251 50 2 2500 2 000 00 2000 000 000 1500 00 000 000 1000 200 2000 2000 500 0 0 0 0 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 otal incoe 2 in H illion peratin epene in H illion peratin reult in H illion Group proit lo in H illion 194.0 100 500 200 151 1 250 88.2 1 397.2 15 20 151 00 200 0 150 05 1 2 148.2 00 25 150 0 100 102 0 0 200 100 2 551 50 100 50 20 0 0 0 0 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 ectie 1 anuar 201 the Group aopte the ne accountin principle in accorance o A ircular 20151 Accountin Bank 1 cl inorit interet in euit an in Group prot lo 2 ncluin Gro reult ro interet operation Reult ro coiion buine an erice Reult ro train actiitie an the air alue option an ther reult ro orinar actiitie 2 GROUP Habib Bank AG Zurich 31.12.11 31.12.12 31.12.13 31.12.14 31.12.15 Key figures and ratios uber o oce 1 21 25 2 15 uber o eploee 0 2 10 5 Return on euit R 1 0 2 0 uit ratio 120 12 11 12 11 ot incoe ratio 55 0 2 52 otal capital ratio 2 1 21 210 15 1 uber o oice uber o eploee Return on euit R 1 4'779 50 5000 7.3% 315 5 0 10 00 2 2 25 000 0 250 21 1 5 200 000 0 150 2 2000 100 2 1000 50 1 0 0 0 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 uit ratio ot incoe ratio otal capital ratio 2 15 0 25 11 0 21 12 12 210 120 11.6% 0 1 15 19.9% 12 20 0 55 52.9% 50 2 15 0 0 10 20 5 10 0 0 0 2011 2012 201 201 2015 2011 2012 201 201 2015 2011 2012 201 201 2015 1 Group prot lo a percentae o euit o aerae at ear en 201 an 2015 2 ince 1 anuar 201 capital aeuac ha been eterine in accorance ith the tanar in the Bael Accor GROUP Habib Bank AG Zurich Letter from the Chairman and the President t i our pleaure to preent ou ith the th annual report o Habib Bank AG Zurich bae on the ne accountin principle iue b the i inancial arket uperior Authorit B the race o Go Habib Bank AG Zurich eliere oo reult in 2015 hile aintainin a tron capital bae an hih liuiit he Habib Group aintaine it coneratie lenin polic ith a hih eree o icipline hi polic i characterie b a hih percentae o ull ecure an relatiel hortter lenin A a reult aance to client ecreae to o epoit receie ro client he reainin liuiit a place in the interbank arket or inete in inetent rae bon urin 2015 eber o the Boar o irector bi areell to r lrich Grete ho ha ere not onl a it ice hairan but a eber or oer ear e thank hi or hi proeional an er copetent con tribution ae oer the ear A o 20 April 2015 r eiler replace r lrich Grete a ice hairan an r tephan haler oine our Boar o irector a a ne eber on the ae a e ih the all ell or the uture he Boar o irector ha propoe that out o the proit or the ear ene 1 eceber 2015 an a carr oer proit ro lat ear ain up to a itributable aount o H 20 the olloin appropria tion houl be ae Allocation to tatutor retaine earnin reere H 100000 Allocation to oluntar retaine earnin reere H 15000000 iribution o iien ro itributable proit H 1000000 roit an lo carrie orar H 20 e oul like to thank our client or their loalt to Habib Bank AG Zurich an or the trut the place in u in 2015 e alo ih to thank all our eploee or their onoin coitent an contribution to the ucce o Habib Bank AG Zurich r Anrea nliner uhaa H Habib hairan o the Boar o irector reient Habib Bank AG Zurich Habib Bank AG Zurich - the Group Habib Bank AG Zurich hereinater the Bank a incorporate in iterlan in 1 an i priatel one he Habib ail ha been actiel inole in bankin or oer 10 ear o ail eber r uhaa H Habib reient an r ohaeali R Habib oint reient are eber o the General anaeent ther eber o the ail are currentl orkin their a up throuh the anaeent rae he traitional alue o the Habib ail are trut interit repect erice an coitent he Bank ha it Hea ice an operation in Zurich an branche in the nite ino ith eect ro 1 April 201 all aet an liabilitie o the nite ino branch ill be tranerre to the ubiiar Habib Bank Zurich lc onon the nite Arab irate an ena he Bank hol ie holl one ubiiarie Habib Bank Zurich lc onon Habib anaian Bank anaa HBZ Bank iite outh Arica Habib uropean Bank t le o an an HBZ erice Z nite Arab irate he Bank hol a 51 onerhip interet in Habib etropolitan Bank t akitan an Habib Bank Zurich Hon on t Hon on collectiel the Group he Bank an the Group are ubect to the conoliate uperiion o the i inancial arket uperior Authorit A he Group ha a tron capital bae an liuiit ratio aboe inutr tanar an beneit ro the political an econoic tabilit o hain it Hea ice in iterlan urtherore the Group ha cloe cooperation ith the ariou reulator boie an central bank in the countrie in hich the Group operate he Group place a hih ephai on peronal erice in the countrie in hich it operate he branche an ubiiarie coer nine countrie prea oer our continent A o the en o 2015 eploee prea oer 15 oice are trateicall ituate to proie aiu aitance to our local an international clien tele he Group i actie in coercial bankin retail bankin trae inance buine ealth anaeent an laic bankin 5 Habib Bank AG Zurich Group organisation structure Board of Directors he Boar o irector o the Bank i ae up o noneecutie an inepenent irector all o ho hae etenie eperience in their repectie iel o copetence Risk & Control Name Born Citizenship Board of Directors Audit Committee Committee r Anrea nliner 15 i hairan r lrich Grete 12 i ice hairan eber r eiler 1 i ice hairan eber eber Ra Barne 15 Britih eber eber r arco u 1 i eber hairan rula uter 15 i eber hairoan r tephan haler 12 i eber eber until 20 April 2015 until 20 April 2015 eber an ro 20 April 2015 ice hairan o Boar o irector ro 20 April 2015 General Management General anaeent conit o to eber o the Habib ail an one nonail eber he aorit o the eber o General anaeent hae reienc in iterlan Name Born Citizenship Function uhaa H Habib 15 i reient an Hea o arket erea ohaeali R Habib 1 anaian oint reient an Hea o arket Aia pecial erice haun alli 155 Britih eber o General anaeent an Hea o Global peration alter athi 11 i eber o General anaeent an Hea o hare erice until 0 ai 2015 Management of the branch network Name Born Citizenship Function Country hritian erch 15 i ountr anaer iterlan ro oora houhr 1 Britih ountr anaer nite ino Ari akhani 15 akitani ountr anaer nite Arab irate ohaa Ali Huain 15 enan ountr anaer ena GROUP Habib Bank AG Zurich Management of the subsidiaries Name Born Citizenship Function Country uli Haan 155 anaian hie ecutie icer anaa Zaar han 152 outh Arican hie ecutie icer outh Arica ohae ari 151 Britih hie ecutie icer le o an Ati uti 1 akitani hie ecutie icer nite Arab irate irauin Ai 15 akitani hie ecutie icer akitan kra uraihi 1 A hie ecutie icer Hon on HBZ erice Z Group Internal Audit Name Born Citizenship Function Haroon Aha 15 akitani Hea o Group nternal Auit Group Support Functions Name Born Citizenship Function air hauhar 1 Britih Group hie peratin icer Anan aih 1 akitani Hea o Group laic Bankin eli Gaer 15 i Hea o Group Rik ontrol r itat Huain 1 akitani Hea o Group Huan Reource r acal an 1 i Hea o Group eal opliance Alre er 12 i Hea o Group inancial ontrol Ati uti 1 akitani Hea o Group peration a illai 12 nian Hea o Group noration echnolo Haa Alaueen 1 nian ibel anu 15 urkih Hea o Group inancial ntitution Ralph chneier 1 i Hea o Group reit GROUP Habib Bank AG Zurich Directors' report Economic environment reuce international copetitiene o the coun tr eport inutrie he lobal econo eperience another ear o oerate roth an epite hihl accooa he nite Arab irate ere alo able to aintain tie central bank policie the rate o epanion ecent roth albeit at a eceleratin pace a loer in ot aance econoie reaine belo their oil price aecte eneral buine actiit he o lonter aerae e heain eere in the ernent a orce to reuce public epeniture coure o the ear ainl in the or o the un an to conier epanin it incoe ource ith relentin ecline o cooit price an loin the poible introuction o a eneral corporate ta tructural roth in hina hee eelopent an a alueae ta hile eort to ieri the particularl aecte an cooiteportin econo helpe to liit the hortter ipact the eerin econoie an contribute to capital out eiuter propect becae uch ore uncer lo an ieprea currenc eakne apital tain urin the coure o the ear ublic entient outlo ere partiall otiate b epectation eteriorate aectin aon other thin the lare or hiher rate hich aterialie in e an iportant real etate ector oreoer ith the ceber hen the eeral Reere increae A pee aaint the the countr ace it taret rate or the irt tie ince 200 nla hiher interet rate hen it a leat elcoe tionar preure reaine
Load more

Recommended publications
  • Half Yearly Report 2019
    Habib Bank AG Zurich 2019 Interim results with capital adequacy and liquidity disclosure requirements Habib Bank AG Zurich Table of contents Group key figures 2 Corporate Governance 3 Group financial statements Balance sheet (unaudited) 9 Income statement (unaudited) 11 Capital adequacy and liquidity disclosure requirements Extraordinary disclosure as of 30 June 2019 Interest rate risk in the banking book: Qualitative disclosure 13 requirements (IRRBBA) Table IRRBBA1: Interest rate risk: Quantitative information on the 14 structure of positions and resetting of interest rates Table IRRBB1: Interest rate risk: Quantitative information on 15 economic value of equity and net interest income Addresses 16 GROUP 1 Habib Bank AG Zurich Group key figures in CHF million 6 months ending 6 months ending 6 months ending Change in % to Balance sheet 30.06.18 31.12.18 30.06.19 31.12.18 Total assets 11'248 10'305 10'709 3.9% Equity 1'280 1'148 1'128 -1.7% Advances customers 3'612 3'546 3'449 -2.7% Deposits customers 8'949 8'422 8'166 -3.0% Change in % to Income statement 30.06.18 31.12.18 30.06.19 30.06.18 Total income 1 166.5 138.8 193.2 16.0% Operating expenses 114.5 109.9 110.7 -3.3% Operating result 43.2 -54.9 73.8 70.8% Group profit / loss 43.0 36.7 51.3 19.3% Key figures and ratios 30.06.18 31.12.18 30.06.19 Return on equity (ROE) (%)2 6.7% 6.0% 9.0% Equity ratio (%) 10.9% 11.1% 10.5% Cost / income ratio (%) 68.8% 73.5% 57.3% Capital ratio (%) 19.1% 19.5% 19.3% Liquidity coverage ratio (%) 122.1% 113.7% 123.0% Leverage ratio (%) 9.7% 9.7% 9.1%
    [Show full text]
  • Bank Code Finder
    No Institution City Heading Branch Name Swift Code 1 AFRICAN BANKING CORPORATION LTD NAIROBI ABCLKENAXXX 2 BANK OF AFRICA KENYA LTD MOMBASA (MOMBASA BRANCH) AFRIKENX002 3 BANK OF AFRICA KENYA LTD NAIROBI AFRIKENXXXX 4 BANK OF BARODA (KENYA) LTD NAIROBI BARBKENAXXX 5 BANK OF INDIA NAIROBI BKIDKENAXXX 6 BARCLAYS BANK OF KENYA, LTD. ELDORET (ELDORET BRANCH) BARCKENXELD 7 BARCLAYS BANK OF KENYA, LTD. MOMBASA (DIGO ROAD MOMBASA) BARCKENXMDR 8 BARCLAYS BANK OF KENYA, LTD. MOMBASA (NKRUMAH ROAD BRANCH) BARCKENXMNR 9 BARCLAYS BANK OF KENYA, LTD. NAIROBI (BACK OFFICE PROCESSING CENTRE, BANK HOUSE) BARCKENXOCB 10 BARCLAYS BANK OF KENYA, LTD. NAIROBI (BARCLAYTRUST) BARCKENXBIS 11 BARCLAYS BANK OF KENYA, LTD. NAIROBI (CARD CENTRE NAIROBI) BARCKENXNCC 12 BARCLAYS BANK OF KENYA, LTD. NAIROBI (DEALERS DEPARTMENT H/O) BARCKENXDLR 13 BARCLAYS BANK OF KENYA, LTD. NAIROBI (NAIROBI DISTRIBUTION CENTRE) BARCKENXNDC 14 BARCLAYS BANK OF KENYA, LTD. NAIROBI (PAYMENTS AND INTERNATIONAL SERVICES) BARCKENXPIS 15 BARCLAYS BANK OF KENYA, LTD. NAIROBI (PLAZA BUSINESS CENTRE) BARCKENXNPB 16 BARCLAYS BANK OF KENYA, LTD. NAIROBI (TRADE PROCESSING CENTRE) BARCKENXTPC 17 BARCLAYS BANK OF KENYA, LTD. NAIROBI (VOUCHER PROCESSING CENTRE) BARCKENXVPC 18 BARCLAYS BANK OF KENYA, LTD. NAIROBI BARCKENXXXX 19 CENTRAL BANK OF KENYA NAIROBI (BANKING DIVISION) CBKEKENXBKG 20 CENTRAL BANK OF KENYA NAIROBI (CURRENCY DIVISION) CBKEKENXCNY 21 CENTRAL BANK OF KENYA NAIROBI (NATIONAL DEBT DIVISION) CBKEKENXNDO 22 CENTRAL BANK OF KENYA NAIROBI CBKEKENXXXX 23 CFC STANBIC BANK LIMITED NAIROBI (STRUCTURED PAYMENTS) SBICKENXSSP 24 CFC STANBIC BANK LIMITED NAIROBI SBICKENXXXX 25 CHARTERHOUSE BANK LIMITED NAIROBI CHBLKENXXXX 26 CHASE BANK (KENYA) LIMITED NAIROBI CKENKENAXXX 27 CITIBANK N.A. NAIROBI NAIROBI (TRADE SERVICES DEPARTMENT) CITIKENATRD 28 CITIBANK N.A.
    [Show full text]
  • Basel Iii Disclosure 2019
    Habib Bank AG Zurich Capital adequacy and liquidity disclosure requirements Disclosure as of 31 December 2019 Purely for ease of reading, the masculine form used in this document is intended to refer to both genders. This concolidated regulatory disclosure report is published in English only. Due to rounding, the numbers presented in this report may not add up precisely to the totals provided and percentages may not precisely reflect the absolute figures. Habib Bank AG Zurich Capital adequacy and liquidity disclosure requirements (consolidated) Habib Bank AG Zurich is providing this information as closure requirements set out in FINMA Circular 2016/1 of 31 December 2019 in accordance with the provisions "Disclosure - banks". of the Capital Adequacy Ordinance (CAO) and the dis- 1. Scope of consolidation Scope of consolidation for capital adequacy purposes The scope of consolidation for capital adequacy pur- poses consist of the following companies (hereafter re- ferred to as "the Group"): • Habib Bank AG Zurich (hereafter referred to as "the Bank") • Habib Canadian Bank, Canada (100% ownership) • HBZ Bank Ltd., South Africa (100% ownership) • Habib Metropolitan Bank Ltd., Pakistan (51% ownership) • Habib Bank Zurich (Hong Kong) Ltd., Hong Kong (51% ownership) • Habib Bank Zurich Plc, United Kingdom (100% ownership) • Habib Metropolitan Financial Services Ltd., Pakistan (51% ownership) • Habib Metropolitan Modaraba Management Company Ltd., Pakistan (51% ownership) • First Habib Modaraba Ltd., Pakistan (5% ownership) • Habib Metro Modaraba, Pakistan (36% ownership) Scope and method of consolidation according to ticular risk class, defines who manages risk and who FINMA Circular 2015/1 "Accounting - Banks" performs independent risk control. The Group's method of capital consolidation follows the Risk organisation purchase method.
    [Show full text]
  • Half Yearly Report 2020
    Habib Bank AG Zurich Interim report 2020 Habib Bank AG Zurich Table of contents Group key figures 2 Letter to shareholders 3 Corporate Governance 4 Management report 11 Consolidated interim financial statements of the Group Balance sheet 15 Income statement 16 Notes to the consolidated financial statements 18 Addresses 19 GROUP 1 Habib Bank AG Zurich Group key figures in CHF million Change in % to Balance sheet 30.06.19 31.12.19 30.06.20 31.12.19 Total assets 10'709 11'163 11'121 -0.4% Equity 1'128 1'196 1'215 1.5% Advances customers 3'449 3'545 3'360 -5.2% Customers deposits 8'166 8'584 8'395 -2.2% Changes in % to Income statement First half 2019 Second half 2019 First half 2020 First half 2019 Total income 1 193.2 214.5 296.3 53.4% Operating expenses -110.7 -116.3 -109.9 -0.7% Operating result 73.8 92.5 169.0 129.2% Group profit 51.3 40.2 36.5 -28.8% Change in % to Key figures and ratios 30.06.19 31.12.19 30.06.20 31.12.19 Number of offices 391 432 439 1.6% Number of employees 5'607 5'698 5'945 4.3% Return on equity (ROE) 2 9.0% 7.8% 6.1% Equity ratio 10.5% 10.7% 10.9% Cost / income ratio 57.3% 55.7% 37.1% Capital ratio 19.3% 19.7% 18.5% Liquidity coverage ratio 123.0% 122.0% 124.5% Leverage ratio 9.1% 9.4% 10.3% 1 Including "Gross result from interest operations", "Result from comission business and services", "Result from trading activities and the fair value option" and "Other result from ordinary activities" 2 Annualised Group profit as percentage of equity of average at year end Customers deposits, in CHF million Equity, in CHF million Group profit, in CHF million 60 10000 1500 51.3 8'584 8'395 8'166 1'196 1'215 1'128 50 8000 1200 40.2 40 36.5 6000 900 30 4000 600 20 2000 300 10 0 0 0 30.06.19 31.12.19 30.06.20 30.06.19 31.12.19 30.06.20 1st half 19 2nd half 19 1st half 20 Purely for ease of reading, the masculine form used in this document is intended to refer to both genders.
    [Show full text]
  • Habib European Bank Limited (Wholly Owned Subsidiary of Habib Bank AG Zurich) 14 Athol Street, Douglas, Isle of Man, IM1 1JA
    Habib European Bank Limited (Wholly owned subsidiary of Habib Bank AG Zurich) 14 Athol Street, Douglas, Isle of Man, IM1 1JA (INCORPORATED IN THE ISLE OF MAN) 1982 Directors’ report and financial statements For the year ended 31 December 2012 (INCORPORATED IN THE ISLE OF MAN) 1982 Our Policy “Our approach to Banking is traditionally motivated by decades of international expertise customised to fulfil local needs with three principles in mind ‘Service, Security and Confidentiality.” 1 (INCORPORATED IN THE ISLE OF MAN) 1982 Our Bank, 150 years of Financial Heritage Habib European Bank Limited, a wholly owned subsidiary of Habib Bank A G Zurich, was incorporated in the Isle of Man in 1982 and is licensed by the Isle of Man Financial Supervision Commission. Whilst this year the Bank celebrates its 30th year on the Island, the original impetus for locating in this important and well regarded jurisdiction was the result of a conceptual strategy formulated by the Parent Bank Habib Bank A G Zurich, headquartered in Zurich, which was incorporated in 1967 and, which from an original asset base of 25 million Swiss Francs has now grown to a global operation with an asset base of 8.28 billion Swiss Francs. Although the present format the Habib group dates from incorporation just over 45 years ago, it is enriched by a strong financial heritage and expertise of over 150 years when its direct ancestors started trading activities in the Indian sub continent. European representation started as early as 1912 in Italy and Austria and thereafter in China and Japan.
    [Show full text]
  • Half Yearly Report 2016
    Habib Bank AG Zurich 2016 Interim results Habib Bank AG Zurich Group key figures in CHF million 6 months ending 6 months ending 6 months ending Change in % to Balance sheet 30.06.15 31.12.15 30.06.16 31.12.15 Total assets 9'754 10'583 11'840 11.9 Shareholder's equity 1 967 1'000 997 -0.3 Total loans (after netting) 3'021 3'195 3'208 0.4 Customer deposits 7'870 8'696 8'888 2.2 Change in % to Income statement 30.06.15 31.12.15 30.06.16 30.06.15 Total income 2 219.3 177.9 178.0 -18.8 Operating expenses 95.0 99.0 103.8 9.3 Operating result 104.2 44.0 68.1 -34.6 Group profit / loss 63.2 25.0 35.6 -43.7 Key figures and ratios 30.06.15 31.12.15 30.06.16 Return on equity (ROE) (%) 3 10.6 7.3 5.8 Equity ratio (%) 12.2 11.6 10.3 Cost / income ratio (%) 43.3 52.9 58.3 Total capital ratio (%) 19.4 19.9 18.9 Liquidity coverage ratio (%) 4 188.0 171.0 102.0 Leverage ratio (%) n/a 9.8 8.9 1 cluin minrit interest in euit an in Gru rt lss 2 Including "Gross result from interest operations", "Result from comission business and services", "Result from trading activities and the fair value option" and "Other result from ordinary activities" 3 Annualise Gru rt lss as ercentae euit aerae at ear en 201 an at 0062016 4 3-month average Customer deposits, in CHF million Group profit, in CHF million Total capital ratio (%) 10000 80 50 8'696 8'888 7'870 70 63.2 8000 40 60 6000 50 30 35.6 40 19.4 19.9 18.9 4000 30 25.0 20 20 2000 10 10 0 0 0 30.06.15 31.12.15 30.06.16 30.06.15 31.12.15 30.06.16 30.06.15 31.12.15 30.06.16 GROUP 1 Habib Bank AG Zurich Group organisation structure Board of Directors The Board of Directors of the Bank is made up of non-executive and independent directors, all of whom have extensive experience in their respective field of competence.
    [Show full text]
  • RMA Established As on December 2014.Xls EXBKBDDH Page # 1 RMA ESTABLISHED (EXBKBDDH) As on December 2014 File No
    RMA ESTABLISHED (EXBKBDDH) as on December 2014 File No. Country City Name of Bank Swift ID 001 Albania Tirana Banka Kombetare Tregtare SH.A.(CW) NCBAALTX 002 Algeria Algiers BNP Paribas EL Djazair BNPADZAL 003 Algeria Algiers Citibank N.A. CITIDZAL 004 Algeria Algiers Banque De L'Agriculture Et De Developement Rural BADRDZAL 005 Argentina Buenos Aires BNP Paribas - Succursale De Buenos Aires BNPAARBA 006 Argentina Buenos Aires HSBC Bank Argentina SA BACOARBA 007 Argentina Buenos Aires Banco De La Provincia De Buenos Aires PRBAARBA 008 Australia Sydney BNP Paribas SA (CW) BNPAAU2S 009 Australia Sydney Korea Exchange Bank KOEXAU2S 010 Australia CANBERRA AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ANZBAU2C 011 Australia SYDNEY AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ANZBAU2S 012 Australia Melbourne Australia and New Zeland Banking Group Limitd (CW) ANZBAU3M 013 Australia BRISBANE AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ANZBAU4B 014 Australia ADELADE AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ANZBAU5A 015 Australia Brisbane Suncorp-Metway Limited METWAU4B 016 Australia MELBOURNE NATIONAL AUSTRALIA BANK LIMITED NATAAU33 017 Australia SYDNEY CITIGROUP PTY LIMITED, SYDNEY CITIAU2X 018 Australia MELBOURNE CITIGROUP PTY LIMITED CITIAU3X 019 Australia SYDNEY CITIBANK N.A. CITIAUSX 020 Australia Sydney Bank of America, N. A. BOFAAUSX 021 Australia Sydney HSBC Bank Australia Limited HKBAAU2S 022 Australia SYDNEY JPMORGAN CHASE BANK, N.A. CHASAU2X 023 Austria VIENNA ING BANK N.V., VIENNA BRANCH INGBATWW 024 Austria Vienna Bank Austria Creditanstalt AG (CW) BKAUATWW 025 Austria VIENNA ERSTE GROUP BANK AG GIBAATWG 026 Austria Vienna Erste Bank Der Oesterreichischen Sparkassen AG (CW) GIBAATWW 027 Austria Linz Ober Bank A G OBKLAT2L 028 Austria Vienna Raiffeisenlandesbank Niederoesterreich-Wien AG (CW) RLNWATWW 029 Austria SALZBURG RAIFFEISENVERBAND SALZBURG, REG.GEN.M.B.H.
    [Show full text]
  • Relationship Between Cost Efficiency and Non-Performing Loans of Commercial Banks in Kenya
    RELATIONSHIP BETWEEN COST EFFICIENCY AND NON- PERFORMING LOANS OF COMMERCIAL BANKS IN KENYA BY WAINAINA ESTHER NYAMATU A RESEARCH PROJECT SUBMITTED FOR PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF A MASTER OF BUSINESS ADMINISTRATION DEGREE, UNIVERSITY OF NAIROBI NOVEMBER 2016 DECLARATION I declare that this project is my original work and has never been submitted for a degree in any other university or college for examination/academic purposes. Signature: …………………………………….. Date:………………………………… WAINAINA ESTHER NYAMATU D61/76925/2014 This research project has been submitted for examination with my approval as the University Supervisor. Signature…………………………………….…. Date………………………………….. Dr. Duncan Elly Ochieng’, PhD, CIFA Lecturer, Department of Finance and Accounting University of Nairobi ii ACKNOWLEDGEMENTS I would like to acknowledge and extend by heartfelt gratitude to the following persons who have made the completion of this project possible; my supervisor Dr. Duncan Elly Ochieng’ for his vital encouragement and support, all faculty staff and most especially to my family, friends and to God who made all things possible. iii DEDICATION To my family for standing beside me during this entire study period; Further to my friends who continuously supported me and lastly to my Employee and colleagues at work for encouragement toward successful completion of this course. iv ABSTRACT In third world countries, efficiency of the banking system is particularly vital because the banking organization serves as the central nerve for the total financial development in terms of economic growth. A large bulk of non-performing loans in failing institutions has been named as the source of bank and thrift decline and that a significant predictor of insolvency is statistically asset quality.
    [Show full text]
  • Annual Report 2019
    Habib Bank AG Zurich Annual Report 2019 Habib Bank AG Zurich Table of contents Group key figures 2 Letter to shareholders 4 About us 5 Corporate governance 6 Management report 13 Consolidated financial statements of the Group Balance sheet 20 Off-balance sheet transactions 21 Income statement 22 Cash flow statement 24 Statement of changes in equity 26 Notes to the consolidated financial statements 28 Report of the Statutory Auditor 60 Financial statements of the Parent Bank Balance sheet 62 Off-balance sheet transactions 63 Appropriation of profit / coverage of losses / other distributions 63 Income statement 64 Statement of changes in equity 66 Notes to the parent bank financial statements 67 Report of the Statutory Auditor 82 Addresses 83 GROUP 1 Habib Bank AG Zurich Group key figures in CHF million Change in % to Balance sheet 31.12.17 31.12.18 31.12.19 31.12.18 Total assets 11'731 10'305 11'163 8.3% Equity 1'297 1'148 1'196 4.2% Advances customers 3'557 3'546 3'545 0.0% Customers deposits 9'393 8'422 8'584 1.9% Change in % to Income statement 2017 2018 2019 2018 Total income1 333.1 305.3 407.7 33.5% Operating expenses -220.7 -224.4 -227.0 1.2% Operating result 85.9 -11.7 166.3 Group profit 60.5 79.7 91.5 14.9% Change in % to Key figures and ratios 31.12.17 31.12.18 31.12.19 31.12.18 Number of offices 360 393 432 9.9% Number of employees 5'211 5'426 5'698 5.0% Return on equity (ROE) 2 4.7% 6.5% 7.8% Equity ratio 11.1% 11.1% 10.7% Cost / income ratio 66.3% 73.5% 55.7% Capital ratio 19.4% 19.5% 19.7% Liquidity coverage ratio 112.2% 115.5%
    [Show full text]
  • 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».
    [Show full text]
  • Habib Bank Zurich (Hong Kong) Limited a Restricted Licence Bank
    HEADQAURTER PICTURE TRUST INTEGRITY RESPECT RESPONSIBILITY COMMITMENT TEAMWORK Habib Bank Zurich (Hong Kong) Limited, a Restricted Licence Bank Habib Bank AG Zurich Habib Bank AG Zurich (HBZ) is family-owned heir to a tradition of commerce that spans across several generations. Since its establishment in Zurich, Switzerland in 1967, HBZ Group expanded its international operations to Europe, North America, Asia, Africa and the Middle East. This reach provides the group a global perspective and allows greater connectivity to global markets for their customers personal and commercial banking interests. HBZ Group has an active and growing presence in Switzerland, UK, Canada, South Africa, United Arab Emirates, Pakistan, Hong Kong, Kenya, Bangladesh & China through a network of branches, subsidairies and representative offices. The bank prides itself in being the bank of choice for family enterprises across generations for over 50 years. As of December 2020, the group had 6000+ employees across 445 offices. Content The group : Habib Bank AG Zurich 2 Business in Hong Kong 7 Product Features 8 Services 9 Contact Us 11 1 The group: Habib Bank AG Zurich Head Office Switzerland Branches Kenya United Arab Emirates Subsidiaries Canada Hong Kong Pakistan South Africa United Kingdom Representative Office Shanghai Bangladesh A global bank with presence in 10 countries 2 Headquartered in Zurich, Switzerland Established in 1967 50+ years of operation 440+ branches and subsidiaries 500+ corresponding relationships 6,000+ employees 3 HBZ Group - Services
    [Show full text]
  • Habib Metro Modaraba Prospectus English
    ADVICE FOR INVESTORS INVESTORS ARE STRONGLY ADVISED IN THEIR OWN INTEREST TO CAREFULLY READ THE CONTENTS OF THIS PROSPECTUS, ESPECIALLY THE RISK FACTORS GIVEN AT PARA 5.9 BEFORE MAKING ANY INVESTMENT DECISION. SUBMISSION OF FALSE AND FICTICIOUS APPLICATIONS IS PROHIBITED AND SUCH APPLICATIONS’ MONEY MAY BE FORFEITED UNDER SECTION 87(8) OF THE SECURITIES ACT, 2015 (THE SECURITIES ACT) HABIB METRO MODARABA PROSPECTUS (An Islamic Financial Institution) Habib Metro Modaraba MANAGED BY: HABIB METROPOLITAN MODARABA MANAGEMEN T COMPANY (PRIVATE) LIMITED This Public Issue consists of 9,000,000 Modaraba Certificates (30% of the Total Paid up Fund) of Rs. 10/- each at face value out of the Total Paid up Fund of 30,000,000 Modaraba Certificates As per regulation 3(11) of the PO Regulations read with regulation 5.2.2. of PSX’s Listing of Companies and Securities Regulations, the Draft Prospectus was placed on the websites of PSX, Habib Metro Modaraba and the Consultant to the Issue for seeking public comments for seven working days starting from July 20, 2017 to July 28, 2017. No comments were received from the general public during this period. THE SUBSCRIPTION LIST WILL OPEN AT THE COMMENCEMENT OF BANKING HOURS ON 19/09/2017 AND WILL CLOSE ON 20/09/ 2017 AT THE CLOSE OF BANKIN G HOURS CONSULTANT TO THE ISSUE IECnet Consulting (Private) Limited BANKERS TO THE PRESENT ISSUE Al Baraka Bank (Pakistan) Limited Bank AL Habib Limited Bank AlFalah Limited * Bank Islami Pakistan Limited Dubai Islamic Bank Pakistan Limited Habib Bank Limited Meezan Bank Limited MCB Bank Limited Allied Bank Limited United Bank Limited * Habib Metropolitan Bank Limited Summit Bank Limited* *In order to facilitate investors, United Bank Limited (“UBL”), Bank Alfalah Limited (“BAFL”) and Summit Bank (SMBL) are offering electronic submission of application (e-IPO) to their account holders.
    [Show full text]