Introduction of HBL

• HBL now refferd to as HBL pakistan is a Karachi based multinational

bank .
• It is the largest bank by asset in Pakistan( Founded in 1941).
• HBL became Pakistanis first commercial bank.
• In 1951 it opened its first international branch in Colombo, Srilanka.
• HBL Islamic Banking is the nation’s second largest Islamic bank.
 Our Brand:

Vision:
• Enabling people to advance with confidence and success

Mission:
• To make our customers prosper, our staff excel.
• create value for shareholders.

Values:
• Our values are the main principles that define our culture.
• Our values make us unique and unmistakable.
 Progressiveness:
• We believe in the advancement of society.

Customer Focus:
• We need to fully understand the needs of our customers.
• Customer satisfaction is our primary goal.
 Excellence:
• This is at the core of everything we do.
• we become successful as we continue to grow.

Integrity:
• We are the leading bank in Pakistan.
• Our success depends upon building trust at every level
.
Meritocracy:
• We believe in giving opportunities and advantages to our employees.
• We reward achievements and provide enriching career.
Management Structure:
Departments of HBL:
 Operations of HBL:
• HBL moved its operations to Pakistan in 1947 at the request of Muhammad Ali
Jinnah.
• The first commercial bank to lay its foundation in the country.
• HBL continued to grow and expand in the successive years.
• The Bank's first international branch opened in Colombo, Sri Lanka in 1951.
• With a sizeable domestic share HBL was nationalized in 1974.
• International operations expanded and HBL now operates in over 25 countries
across four continents.
• In December 2003, (PPC) announced that the Government had formally
transferred 51% of HBL's shareholding to the Aga Khan Fund.
• In February 2004, management control of the bank was handed over to AKFED.
• By April 2015, HBL officially making Pakistan's largest private bank.
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 Products and services of HBL:

1.Trade Finance:
• Trade loan syndications.
• Risk participations.
• Pre/post export financing.
• Documentary collections.

2. Cash Management:
• Internet Banking – electronic collection (non-individual/business
customers).
• Cash In Transit – CIT
• Direct Debit Collection – SIDA (Standing Instructions for Debit Authority).
• Utility Bills Payments – UBP
 3. Remittances:
HBL has built-up capacity to serve overseas FIs wishing to remit funds for
beneficiaries in Pakistan as well as in other specific locations.

4. Treasury:
• Money market placements.
• FX/Swaps.
• Bonds .
• Private placements & other debt instruments.

5. Bilateral Loans:
Customized bilateral products are available to fulfil financing
requirements of NBFIs.
 Instruments of HBL:

HBL Murabaha:
HBL Murabaha is a form of sale whereby the seller (the Bank) sells
the good to the buyer (the customer) by disclosing the total cost it
has incurred as well as the profit portion there on. HBL offers
Murabaha to allow the Customer to purchase goods/raw
materials/finished goods for use of business from time to time, up to
the specific limit, according to business needs.

HBL Istisna:
HBL Istisna is a kind of sale transaction whereby the manufacturer
(the customer) manufactures good according to the agreed
specifications and sells the manufactured goods to the buyer (the
Bank) at an agreed price.
HBL offers Istisna financing to businesses for manufacturing of
goods for sale in local and international market.
HBL Salam:
HBL Salam is a kind of sale transaction whereby the seller (the customer)
sells the good as per the agreed specifications to the buyer (the Bank) at an
agreed future date in exchange for agreed price fully paid in advance.
HBL offers Salam to cater to the working capital needs of agricultural
sector and manufacturers/exporters of homogenous commodities that are of
standardized nature and readily available in the market.
HBL Diminishing Musharakah:
HBL Diminishing Musharakah (DM) is a kind of partnership, in which the
Bank and the customer participate in joint ownership of an asset. The
proportionate share of the bank is divided into number of units and the
customer periodically purchases these units resulting in gradual increase of
his share until he purchases all the units of the Bank so as to become the
sole owner of the asset.
HBL Ijarah:
HBL Ijarah is a form of Islamic leasing, in which the Bank transfers the
usufruct of the asset owned by the Bank to the customer for an agreed
period, at an agreed consideration/rent.
HBL offers asset financings such as plant, machinery and vehicle on the
basis of Ijarah.