Our Achievements Are Made-Up of Numbers That Matter
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Our achievements are made-up of numbers that matter. They are a testimony of our reach that knows no borders, and of the wonders a group of people can achieve, when united by a common goal. They are also indicators of our performance that makes us the largest, safest and the best bank in Pakistan. 02 Table of Contents Corporate Information 04 Unconsolidated Financial Statements Management 05 Directors’ Report 108 Vision & Mission 06 Auditors’ Report to the Members - Unconsolidated 115 Our Values 07 Unconsolidated Statement of Financial Position 117 HBL’s International footprint 08 Unconsolidated Profit & Loss Account 118 Key Performance Indicators 14 Unconsolidated Statement of Comprehensive Income 119 Board of Directors 16 Unconsolidated Statement of Changes in Equity 120 Chairman’s Message 18 Unconsolidated Cash Flow Statement 121 Directors’ Report 20 Notes to the Unconsolidated Financial Statements 122 Financial Highlights (Consolidated) 27 Annexures - Unconsolidated 170 Progress at a Glance - 2004 to 2014 (Consolidated) 28 Pattern of Shareholding 218 Statement of Internal Control 29 Categories of Shareholders 220 Review Report 30 Notice of Annual General Meeting 221 Statement of Compliance 31 Admission Slip 235 Form of Proxy 237 Consolidated Financial Statements Auditors’ Report to the Members - Consolidated 34 Consolidated Statement of Financial Position 35 Consolidated Profit & Loss Account 36 Consolidated Statement of Comprehensive Income 37 Consolidated Statement of Changes in Equity 38 Consolidated Cash Flow Statement 39 Notes to the Consolidated Financial Statements 40 Annexures - Consolidated 93 HBL Domestic Network 106 03 Table of Contents Corporate Information 04 Unconsolidated Financial Statements Management 05 Directors’ Report 108 Vision & Mission 06 Auditors’ Report to the Members - Unconsolidated 115 Our Values 07 Unconsolidated Statement of Financial Position 117 HBL’s International footprint 08 Unconsolidated Profit & Loss Account 118 Key Performance Indicators 14 Unconsolidated Statement of Comprehensive Income 119 Board of Directors 16 Unconsolidated Statement of Changes in Equity 120 Chairman’s Message 18 Unconsolidated Cash Flow Statement 121 Directors’ Report 20 Notes to the Unconsolidated Financial Statements 122 Financial Highlights (Consolidated) 27 Annexures - Unconsolidated 170 Progress at a Glance - 2004 to 2014 (Consolidated) 28 Pattern of Shareholding 218 Statement of Internal Control 29 Categories of Shareholders 220 Review Report 30 Notice of Annual General Meeting 221 Statement of Compliance 31 Admission Slip 235 Form of Proxy 237 Consolidated Financial Statements Auditors’ Report to the Members - Consolidated 34 Consolidated Statement of Financial Position 35 Consolidated Profit & Loss Account 36 Consolidated Statement of Comprehensive Income 37 Consolidated Statement of Changes in Equity 38 Consolidated Cash Flow Statement 39 Notes to the Consolidated Financial Statements 40 Annexures - Consolidated 93 HBL Domestic Network 106 04 Corporate Information Management Board of Directors Auditors Mr. Aamir Irshad Mr. Nadeem Ahmed Head - Corporate & GM - Delivery Channels Branches - Domestic Mr. Sultan Ali Allana Chairman Ernst & Young Ford Rhodes Sidat Hyder Investment Banking & International Mr. Agha Sher Shah Director Chartered Accountants Mr. Aamir Kureshi Mr. Nauman K. Dar Mr. Moez Ahamed Jamal Director Head - Consumer Banking President & CEO Registrar Dr. Najeeb Samie Director Mr. Aman Aziz Siddiqui Ms. Nausheen Ahmad Mr. R. Zakir Mahmood Director Central Depository Company of Pakistan Limited CDC House, 99 – B, Block ‘B’, Head - Strategy & Investments Company Secretary & Head Legal Mr. Sajid Zahid Director S.M.C.H.S., Main Shahra-e-Faisal Mr. Anwar Zaidi Mr. Naveed Asghar Mr. Nauman K. Dar President & CEO Karachi – 74400, Pakistan. Head - Financial Institutions Head - Marketing & Brand Management Tel: Customer Support Services & Global Trade Services Board Committees (Toll Free) 0800-CDCPL (23275) Dr. Razi Azmat Fax: (92-21) 34326053 Mr. Ayaz Ahmed Head - Human Resources Audit Committee Head - Acquisitions & Investments Email: [email protected] Mr. Moez Ahamed Jamal Chairman Mr. Rayomond Kotwal Website: www.cdcpakistan.com Mr. Faiq Sadiq Chief Financial Officer Mr. Sajid Zahid Member Head - Payment Services Dr. Najeeb Samie Member Mr. Rizwan Haider HBL Shares Office Mr. Faisal Anwar Chief Risk Officer Mr. Salim Amlani Secretary Phone: (92-21) 32474396 Chief Compliance Officer Fax: (92-21) 32415623 Mr. Salahuddin Manzoor Risk Management Committee Mr. Fareed Hosain Global Treasurer Chief Information Officer Mr. R. Zakir Mahmood Chairman Head Office Mr. Salim Amlani Mr. Nauman K. Dar Member Habib Bank Limited Mr. Hassan Raza Chief Internal Auditor Mr. Agha Sher Shah Member Head - Structured Credits Habib Bank Plaza Ms. Sima Kamil Mr. Rizwan Haider Secretary I.I. Chundrigar Road Mr. Jamal Nasir Head - Branch Banking Karachi - 75650, Pakistan. Head - Human & Organisational Human Resource and Remuneration Phone: (92-21) 32418000 [50 lines] Development Ms. Sobia Chughtai Head - Corporate Central Committee Mr. Khalid Mohsin Sheikh Mr. Sultan Ali Allana Chairman Registered Office Sr. Credit Officer & GM - Market Risk Mr. Tariq Akbar Mr. Nauman K. Dar Member Habib Bank Limited Head - Global Operations Mr. Mirza Saleem Baig Mr. Sajid Zahid Member 4th Floor, Habib Bank Tower Head - Islamic Banking Mr. Tauqeer Mazhar Jinnah Avenue, Blue Area Mr. Moez Ahamed Jamal Member Head - Distribution Central & Islamabad, Pakistan. Mr. Mohammad Ali Chief Representative Punjab Dr. Razi Azmat Secretary Phone: (92-51) 2872203, (92-51) 2821183 Head - Distribution Pakistan & Fax: (92-51) 2872205 Chief Representative Islamabad Mr. Wajahat Rasul Khan Chief Financial Officer GM - International Network Management Mr. Mubashar Maqbool Mr. Rayomond Kotwal Websites: Head - Commercial Banking Corporate Website: Legal Advisor www.hbl.com Mandviwala and Zafar Advocates and Legal Consultants Internet Banking: www.hblibank.com.pk Company Secretary Ms. Nausheen Ahmad 05 Corporate Information Management Board of Directors Auditors Mr. Aamir Irshad Mr. Nadeem Ahmed Head - Corporate & GM - Delivery Channels Branches - Domestic Mr. Sultan Ali Allana Chairman Ernst & Young Ford Rhodes Sidat Hyder Investment Banking & International Mr. Agha Sher Shah Director Chartered Accountants Mr. Aamir Kureshi Mr. Nauman K. Dar Mr. Moez Ahamed Jamal Director Head - Consumer Banking President & CEO Registrar Dr. Najeeb Samie Director Mr. Aman Aziz Siddiqui Ms. Nausheen Ahmad Mr. R. Zakir Mahmood Director Central Depository Company of Pakistan Limited CDC House, 99 – B, Block ‘B’, Head - Strategy & Investments Company Secretary & Head Legal Mr. Sajid Zahid Director S.M.C.H.S., Main Shahra-e-Faisal Mr. Anwar Zaidi Mr. Naveed Asghar Mr. Nauman K. Dar President & CEO Karachi – 74400, Pakistan. Head - Financial Institutions Head - Marketing & Brand Management Tel: Customer Support Services & Global Trade Services Board Committees (Toll Free) 0800-CDCPL (23275) Dr. Razi Azmat Fax: (92-21) 34326053 Mr. Ayaz Ahmed Head - Human Resources Audit Committee Head - Acquisitions & Investments Email: [email protected] Mr. Moez Ahamed Jamal Chairman Mr. Rayomond Kotwal Website: www.cdcpakistan.com Mr. Faiq Sadiq Chief Financial Officer Mr. Sajid Zahid Member Head - Payment Services Dr. Najeeb Samie Member Mr. Rizwan Haider HBL Shares Office Mr. Faisal Anwar Chief Risk Officer Mr. Salim Amlani Secretary Phone: (92-21) 32474396 Chief Compliance Officer Fax: (92-21) 32415623 Mr. Salahuddin Manzoor Risk Management Committee Mr. Fareed Hosain Global Treasurer Chief Information Officer Mr. R. Zakir Mahmood Chairman Head Office Mr. Salim Amlani Mr. Nauman K. Dar Member Habib Bank Limited Mr. Hassan Raza Chief Internal Auditor Mr. Agha Sher Shah Member Head - Structured Credits Habib Bank Plaza Ms. Sima Kamil Mr. Rizwan Haider Secretary I.I. Chundrigar Road Mr. Jamal Nasir Head - Branch Banking Karachi - 75650, Pakistan. Head - Human & Organisational Human Resource and Remuneration Phone: (92-21) 32418000 [50 lines] Development Ms. Sobia Chughtai Head - Corporate Central Committee Mr. Khalid Mohsin Sheikh Mr. Sultan Ali Allana Chairman Registered Office Sr. Credit Officer & GM - Market Risk Mr. Tariq Akbar Mr. Nauman K. Dar Member Habib Bank Limited Head - Global Operations Mr. Mirza Saleem Baig Mr. Sajid Zahid Member 4th Floor, Habib Bank Tower Head - Islamic Banking Mr. Tauqeer Mazhar Jinnah Avenue, Blue Area Mr. Moez Ahamed Jamal Member Head - Distribution Central & Islamabad, Pakistan. Mr. Mohammad Ali Chief Representative Punjab Dr. Razi Azmat Secretary Phone: (92-51) 2872203, (92-51) 2821183 Head - Distribution Pakistan & Fax: (92-51) 2872205 Chief Representative Islamabad Mr. Wajahat Rasul Khan Chief Financial Officer GM - International Network Management Mr. Mubashar Maqbool Mr. Rayomond Kotwal Websites: Head - Commercial Banking Corporate Website: Legal Advisor www.hbl.com Mandviwala and Zafar Advocates and Legal Consultants Internet Banking: www.hblibank.com.pk Company Secretary Ms. Nausheen Ahmad 06 Vision Mission Our Values Progressiveness We believe in the advancement of society “Enabling people to “To make our customers Our values are the main through the adoption of enlightened working practices, innovative new products, advance with prosper, our staff excel principles that define our processes and a spirit of enterprise. confidence and and create value for culture and are brought to life in our attitudes Customer Focus success” shareholders” and behaviour. We need to understand