HBL

INTRODUCTION
HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL
has grown its branch network and maintained its position as the largest private sector bank with
over 1,600 branches and 1,700 ATMs globally and a customer base exceeding eight million
relationships.
The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of
the Bank's shareholding and the management control. The remaining 41.5% shareholding by the
Government of Pakistan was divested in April 2015. AKFED continues to retain 51%
shareholding in HBL while the remaining shareholding is held by individuals, local and foreign
institutions and funds including CDC Group Plc which holds 5% and International Finance
Corporation which holds 3%.
With a global presence in over 25 countries spanning across four continents, HBL is also the
largest domestic multinational. The Bank is expanding its presence in principal international
markets including the UK, UAE, South and Central Asia, Africa and the Far East.
The key areas of operations encompass product offerings and services in Retail and Consumer
Banking. HBL also has the largest Corporate Banking portfolio in the country with an active
Investment Banking arm. SME and Agriculture lending programs and banking services are
offered in urban and rural centers.
History
HBL established operations in Pakistan in 1947 and moved its head office to Karachi. Our first
international branch was established in Colombo, Sri Lanka in 1951 and Habib Bank Plaza was
built in 1972 to commemorate the banks 25th Anniversary.
With a domestic market share of over 40%, HBL was nationalized in 1974 and it continued to
dominate the commercial banking sector with a major market share in inward foreign
remittances (55%) and loans to small industries, traders and farmers. International operations
were expanded to include the USA, Singapore, Oman, Belgium, Seychelles and Maldives and
the Netherlands.
On December 29, 2003 Pakistan's Privatization Commission announced that the Government of
Pakistan had formally granted the Aga Khan Fund for Economic Development (AKFED) rights
to 51% of the shareholding in HBL, against an investment of PKR 22.409 billion (USD 389
million). On February 26, 2004, management control was handed over to AKFED. The Board of
Directors was reconstituted to have four AKFED nominees, including the Chairman and the
President/CEO and three Government of Pakistan nominees.
Board Of Directors
Sultan Ali Allana Chairman

Mr. Sultan Ali Allana is a Director of the Aga Khan Fund for Economic Development (AKFED)
and has the oversight responsibilities for AKFED's investments in Banking, Insurance and
Aviation. Mr. Allana is a career banking professional with over 30 years of experience in retail,
corporate and investment banking. Mr. Allana is also the Chairman of HBL, which is the largest
bank in Pakistan with over 1,600 branches and a presence in 29 countries around the world.
Since 1997, Mr. Allana has also been serving as a Director of the Tourism Promotion Services
Pakistan Limited, the owners and the operators of the Serena Hotels in Pakistan.
Mr. Allana holds Undergraduate and Post Graduate degrees from McGill University and the
University of Wisconsin in Engineering and Management.
Nauman K. Dar President & CEO

Mr. Nauman K. Dar was appointed President and Chief Executive Officer of Habib Bank
Limited in September 2012.
Mr. Dar joined the Bank in March 2003 as Chief Executive Officer of Habib Allied International
Bank plc, UK. Prior to being appointed as President he was Head of International Banking since
January 2006 and Head of Corporate and Investment Banking since December 2010.
Mr. Dar is a Director of Habib Allied International Bank plc, UK, Chairman of Habib Finance
International Limited, Hong Kong, and Chairman of Habibsons Bank Limited, UK. He is also
Council Member of the Institute of Bankers, Pakistan and Member of Pakistan Banks
Association, Pakistan Business Council and the Bretton Woods Committee.
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Moez Jamal Director

Mr. Moez Ahamed Jamal holds an MBA in Finance and International Business from New York
University and a BA (Hons) from Manchester University, England. He has extensive experience
of over 35 years in the financial sector with Lloyds Bank and Credit Suisse
Mr. Moez Ahamed Jamal was appointed to the Board of Directors of HBL in 2009. He also
serves on the Board of Diamond Trust Bank in Kenya and Marcuard Family Office in
Switzerland. He is a Partner of JAAM AG, an investment advisory company in Switzerland.
Sajid Zahid Director

Mr. Sajid Zahid is a Director of Habib Bank Limited since 2000 and is a member of the Board
Audit Committee and the Board Human Resource Committee.
Mr. Zahid is a Barrister-at-Law from Lincolns Inn, London. He is a practicing lawyer with over
38 years experience in Corporate and Commercial Laws, on behalf of leading local and foreign
organizations, which include leading Banks and Financial Institutions on national and crossborder transactions. He has acted as Counsel in national and international arbitrations,
contributed articles in leading international Journals and presented papers at international
Conferences.
Mr. Shaffiq Dharamshi Director

Mr. Shaffiq Dharamshi is a banker with over 23 years of banking experience in the Middle East
and Africa. He currently holds the position of Head of Banking at the Aga Khan Fund for
Economic Development (AKFED), and is responsible for providing oversight on operations of
financial institutions in the AKFED portfolio across Asia and Africa. He is also serving on the
Boards of Diamond Trust Bank Limited, Tanzania, Diamond Trust Bank Limited, Uganda,
Industrial Promotion and Development Company of Bangladesh Limited and DCB Bank
Limited, India.
Agha Sher Shah Director

Mr. Agha Sher Shah is currently Chairman and Chief Executive of Bandhi Sugar Mills, a
greenfield 7000 tons sugar mill which he successfully set up in 2012. He is also Director of
Attock Refinery Limited, Sui Southern Gas Company Limited, Thatta Cement Company
Limited, Newport Containers Terminal (Private) Limited and Triton LPG (Private) Limited. He
became a Director of Habib Bank Limited in March 2013.
Mr. Agha Sher Shah started his career as an investment analyst covering consumer, energy and
finance sectors of the S&P 500 in the US equity market. In his investment career of 27 years he
has held senior portfolio management positions in US and Global equities. Prior to his current
role, he was Senior Portfolio Manager of a multi-billion dollar portfolio in Abu Dhabi
Investment Authority, one of the largest sovereign wealth funds in the world.
Dr. Najeeb Samie Director

Dr. Najeeb Samie has over 33 years of experience in the corporate and financial sector. He has
been Chairman of State Life Insurance Corporation of Pakistan, Pakistan Industrial Credit &
Investments Corporation Limited (PICIC) and Alpha Insurance Company Limited. He was
appointed Director of Habib Bank Limited in August 2013.
Management
Mr. Nauman K. Dar

President & CEO
Mr. Aamir Irshad

Head - Corporate & Investment Banking
Mr.
Abbas Hasan
Head - International (Europe, Middle East & America)
Mr. Abid Sattar

Head - International (Asia & Africa)
Mr.
Abrar Ahmed Mir
Chief Innovation & Financial Inclusion Officer
Mr. Anwar Zaidi

Head - Financial Institutions & Global Trade Services
Mr. Faiq Sadiq

Head - Payment Services Group
Mr. Hassan Raza

Head - Structured Credits
Mr. Mirza Saleem Baig

Head - Islamic Banking
Mr. Salahuddin Manzoor

Global Treasurer
Ms. Sima Kamil

Head - Branch Banking
Mr. Ayaz Ahmed

Head - Acquisitions & Investments
Mr. Faisal Anwar

Chief Compliance Ofcer
Mr.
Fareed Hosain
Chief Information Ofcer
Mr. Jamal Nasir

Head - Human & Organisational Development
Ms. Nausheen Ahmad

Company Secretary & Head Legal
Mr.
Naveed Asghar
Chief Marketing Ofcer
Mr. Rayomond Kotwal

Chief Financial Ofcer
Mr. Rizwan Haider

Chief Risk Ofcer
Mr. Salim
Amlani
Chief Internal Auditor
Mr. Tariq M. Akbar

Head - Global Operations
Our Brand
Our brand identity is the outward expression of what we stand for as an organisation. This is
summarized in our vision, mission and is supported by our values.
Vision
Enabling people to advance with confidence and success
Mission
To make our customers prosper, our staff excel and create value for shareholders
Values
Our values are the main principles that define our culture and are brought to life in our attitudes
and behaviour. Our values make us unique and unmistakable.
Progressiveness
We believe in the advancement of society through the adoption of enlightened working practices,
innovative products and processes, and a spirit of enterprise.
Customer Focus
We need to fully understand the needs of our customers and to adapt our products and services to
meet their requirements. We always endeavour for customer satisfaction as our primary goal.
Excellence
This is at the core of everything we do. The markets in which we operate are becoming
increasingly competitive providing our customers an abundance of choice. Only by being the
very best in terms of the services we offer, our products and premises we become successful
as we continue to grow.
Integrity
We are the leading bank in Pakistan, and our success depends upon building trust at every level.
Our customers and society in general expect us to possess and steadfastly adhere to high
moral principles and professional standards.
Meritocracy
We believe in giving opportunities and advantages to our employees on the basis of their ability.
We reward achievements and provide enriching career opportunities for all.

HBL

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INTRODUCTION

Sultan Ali Allana Chairman

Nauman K. Dar President & CEO

Moez Jamal Director

Sajid Zahid Director

Mr. Shaffiq Dharamshi Director

Agha Sher Shah Director

Dr. Najeeb Samie Director

Mr. Nauman K. Dar

Mr. Aamir Irshad

Mr. Abid Sattar

Mr. Anwar Zaidi

Mr. Faiq Sadiq

Mr. Hassan Raza

Mr. Mirza Saleem Baig

Mr. Salahuddin Manzoor

Ms. Sima Kamil

Mr. Ayaz Ahmed

Mr. Faisal Anwar

Mr. Jamal Nasir

Ms. Nausheen Ahmad

Mr. Rayomond Kotwal

Mr. Rizwan Haider

Mr. Tariq M. Akbar

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