Habib Metro Bank (1) (Recovered) - 1

HABIB METRO BANK
Department of Banking and Finance
Hailey College OF Banking & Finance
Habib Metro Bank (LTD)
Session: MBA Evening Banking and Finance Fall 2018-2022
Project Supervisor: Prof. Raiz Ahmed
Submitted By
Shujja-ur-Rehman E18-MBA132
Daniyal Yousaf E18-MBA140
Usman Nawaz E18-MBA97
Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

HABIB METRO BANK
Contents
1. ACKNOWLEDGE .............................................................................................................................................. 6
2. FORMULATION OF THE BANKING ............................................................................................................ 6
3. BANKING SYSTEM IN PAKISTAN ............................................................................................................... 6
4. Introduction ......................................................................................................................................................... 7
4.1. Braches Of Habib Metro Bank ...................................................................................................................... 7
Number of employees 4841 .............................................................................................................................. 8
4.2. History .............................................................................................................................................................. 9
4.3. Having Grade .................................................................................................................................................. 9
4.3.1. Pakistan Credit Rating Agency (PACRA) ................................................................................................ 9
4.4. Member of Board ............................................................................................................................................ 9
Overview of Director ................................................................................................................................................ 12
4.5. Name of Auditor of the Company ............................................................................................................... 13
4.5.1. KPMG Taseer Hadi & Co. Chartered Accountants .............................................................................. 13
4.6. Name of Legal Advisor ................................................................................................................................. 13
4.7. HABIBMETRO Shareholding Pattern ....................................................................................................... 14
4.8. Mission ........................................................................................................................................................... 15
4.9. Vision.............................................................................................................................................................. 15
4.9.1. Vision values .............................................................................................................................................. 15
4.10. Opening Branch of Habib metro bank.................................................................................................... 15
4.11. Bank Detail After 1 year of cooperated................................................................................................... 15
5. How to generate deposit? ................................................................................................................................. 17
Accounts In Habib Metro Bank............................................................................................................................... 17
5.1. Current Account ........................................................................................................................................... 17
5.1.1. Silver current Account.............................................................................................................................. 18
Benefits & Feature: ................................................................................................................................................... 18
5.1.2. Super Current Account ............................................................................................................................ 19
5.1.3. Current Account ....................................................................................................................................... 19

HABIB METRO BANK
Facilities Provided ..................................................................................................................................................... 19
5.1.4. Assan Current Account ............................................................................................................................ 20
5.1.5. Basic banking Account ............................................................................................................................. 20
5.2. Saving Account .............................................................................................................................................. 21
5.2.1. Saving Plus Account.................................................................................................................................. 21
5.2.2. Multiplier Account .................................................................................................................................... 22
. ................................................................................................................................................................................... 22
5.2.3. Privilege 55+ Account ............................................................................................................................... 22
5.2.4. Junior Saving Accounts ........................................................................................................................... 23
5.2.5. FCY Saving Plus Account ........................................................................................................................ 23
5.2.6. Profit and Loss Account ........................................................................................................................... 24
5.2.7. Asaan Saving Account .............................................................................................................................. 24
5.3. Fixed Deposit Account .................................................................................................................................. 25
5.3.1. Mahna Deposit Account ........................................................................................................................... 25
5.3.2. Premium Deposit Account ........................................................................................................................ 26
5.3.3. Azafa Banao Certificate............................................................................................................................ 26
5.3.4. Pakistan Banao Certificate ....................................................................................................................... 27
How to purchase Pakistan Banao Certificates? ..................................................................................................... 27
Who can invest? ........................................................................................................................................................ 27
Minimum Investment Amount: ............................................................................................................................... 27
Transfer of Funds: .................................................................................................................................................... 27
Subscription process: ................................................................................................................................................ 27
Key benefits: .............................................................................................................................................................. 27
6. How to get Profit? ............................................................................................................................................. 28
Products of Habib Metro Bank................................................................................................................................ 28

HABIB METRO BANK
6.1. Bancassurance (Insurance) .......................................................................................................................... 28
6.1.1. Jubilee Life Insurance. ............................................................................................................................. 28
Optional Rider(s) ...................................................................................................................................................... 30
Accidental Death: ...................................................................................................................................................... 30
Accidental Death and Dismemberment Benefit: .................................................................................................... 30
Waiver of Premium: ................................................................................................................................................. 30
Critical Illness: .......................................................................................................................................................... 30
Permanent Total Disability: ..................................................................................................................................... 31
Hospitalization Cash Rider: ..................................................................................................................................... 31
6.1.2. EFU Family Takkaful:.................................................................................................................................... 31
Asaan Bachat Plan ................................................................................................................................................... 31
6.2. Car Financing ................................................................................................................................................ 33
Eligibility Criteria ..................................................................................................................................................... 33
Financing Criteria ..................................................................................................................................................... 33
Application Process ................................................................................................................................................... 34
Additional document for salaried Person ............................................................................................................... 34
Additional Document for self-Employed Professional........................................................................................... 34
Additional Document for Businessman................................................................................................................... 34
6.3. Remittance ..................................................................................................................................................... 34
6.3.1. Money Gram Remittance ......................................................................................................................... 34
How can Received your money? .............................................................................................................................. 34
6.3.2. RIA Money Transfer ................................................................................................................................ 35
How can Received your money? .............................................................................................................................. 35
6.3.3. Home Remittance ...................................................................................................................................... 35
For Habib Metro Account Holder ........................................................................................................................... 35
For Cash our counter Payment................................................................................................................................ 35
Step 1:......................................................................................................................................................................... 35
Step 2:......................................................................................................................................................................... 35
Step 3:......................................................................................................................................................................... 35
For other Bank Holder ............................................................................................................................................. 36
6.3.4. Our Home Remittance Partners (Tie-Ups) ............................................................................................. 36
6.3.5. Remittance Tracker .................................................................................................................................. 36
6.3.6. Partners ...................................................................................................................................................... 37
World wide ................................................................................................................................................................ 37
MoneyGram............................................................................................................................................................... 37
Europe ........................................................................................................................................................................ 38

HABIB METRO BANK
Italy............................................................................................................................................................................. 38
Qatar .......................................................................................................................................................................... 38
UAE ............................................................................................................................................................................ 39
Universal Exchange .................................................................................................................................................. 40
UK .............................................................................................................................................................................. 40
6.4. Rent Free Locker .......................................................................................................................................... 41
7. Analysis Of Habib Metro Bank ....................................................................................................................... 42
7.1. Financial Analysis ......................................................................................................................................... 43
7.1.1. Asset Increasing Chart ............................................................................................................................. 44
7.1.2. Deposited increasing Chart ...................................................................................................................... 44
7.1.3. Advance increasing Chart ........................................................................................................................ 45
7.1.4. Income before Tax increasing Chart (in millions) ................................................................................. 45
7.1.5. Income after Tax increasing Chart (in millions) .................................................................................... 46
7.1.6. Braches Chart of last 5 years ................................................................................................................... 46
7.1.7. Employs Chart of last 5 years .................................................................................................................. 47
7.2. SWOT Analysis ............................................................................................................................................. 48
SWOT Mean .............................................................................................................................................................. 48
7.2.1. Strength ...................................................................................................................................................... 48
7.2.2. Weakness.................................................................................................................................................... 49
7.2.3. Opportunities............................................................................................................................................. 49
7.2.4. Threats ....................................................................................................................................................... 49
7.3. PEST Analysis: .............................................................................................................................................. 51
7.3.1. Political: ..................................................................................................................................................... 51
7.3.2. Economical: ............................................................................................................................................... 51
7.3.3. Socio-Cultural: .......................................................................................................................................... 51
7.3.4. Technological:............................................................................................................................................ 52
Recommendation For Improvement ....................................................................................................................... 52
Conclusions ................................................................................................................................................................ 52

HABIB METRO BANK
1. ACKNOWLEDGE
Start with the name of Allah, who most merciful and kind. Allah Almighty great guidance that made us
for able to accomplish this task and we like to thank our teacher Riaz Ahmed Main for giving us
opportunity to do this project and I (Shujja-ur_Rehman) would also like to say special thanks to my team
member Usman Nawaz, Danial Yousef and to the following staff of the Habib Metro bank who help us a
lot in this project.
2. FORMULATION OF THE BANKING

According to one school of thought the word bank is derived from Italian word Bancus or Banque which
means a Bench. According to second school of thought it is derived from the German word Back which
mean Joint Stock Fund. And follow the rules of gold smiths, whose drive the first bank system base on gold
trading system.
Concept of banking system are directly related to time from when we realize the importance of
monetary system, before that barter system was used for all the transaction but we started using of
money paper money or whatever the need of the controlling institution was felt.
3. BANKING SYSTEM IN PAKISTAN
At the time of independence of Pakistan there were 631 offices of banks in Pakistan of which 487 were
located in West of Pakistan. As a new country without any resources and banking system, it was so much
difficult for Pakistan to run its banking system immediately. Therefore are the Reserve bank of India was
allowed to continue to function in Pakistan until 30th September 1948, so that problem of time and
liability, exchange etc. be settled India and Pakistan. The non-Muslim started transferring fund and
accounts to India by the end of June 1948. The number of officer of schedule bank in Pakistan declined
from 631 to 225. The Habib family gave loan to Pakistan to start the banking system of 80 million dollar,
And first branch of Habib bank open in Karachi then Govt of Pakistan decided to establish a full fledge
central bank. Consequently the Governor-general of Pakistan Quaid-i- Azam inaugurated the state bank of
Pakistan assuming full control of banking and currency in Pakistan.
The banking structure in Pakistan are following types,
 State Bank OF Pakistan

 Commercial Bank of Pakistan
 Development Banks
 Micro Faience banks
The state bank of Pakistan is the lead of the all bank and was established on July 1, 1948 and commercial
banks are those bank which fulfill our short,
Term need especially in business transaction in Pakistan we have following fulfilling our requirements.
 National Bank of Pakistan
 Islamic bank of Pakistan
 Habib Bank Limited
 Bank of Punjab
 Allied Bank limited
 Habib Metro bank

HABIB METRO BANK
4. Introduction
Habib Metro bank ltd incorporated on (3 August, 1992) with the name of
Metropolitan Bank Limited. From October 1992 to the September 2006, it is remained a high
ranked bank and with its nationwide 52-branch on-line networks, established as a
distinguished provider of trade finance services. On October 26, 2006, Habib Bank AG
Zurich's Pakistan operations merged with Metropolitan Bank Limited and the merged was
named Habib Metropolitan Bank Limited (HMB). HBZ is principal shareholder of Habib
Metropolitan Bank.
4.1. Braches Of Habib Metro Bank
Habib metro bank has 352 branches in 90 cities of Pakistan.

HABIB METRO BANK
TYPE Public Limited Company
Founded 1992
Merged 2006
Headquarters Karachi
Founder Habib Family
Industry Banking, Finance, Investment Banking
Number of employees 4841
Revenue PKR 37,002 million

Services Consumer Banking, Corporate Banking,
Investment Banking, Finance and Insurance
Management.
Products Loan, Credit Card, Savings, Consumer
Banking etc.
Website http://www.habibmetro.com

HABIB METRO BANK
4.2. History
Before the independence of the Pakistan, Frist Habib bank is incorporated on 1941
in Bombay by Habib family, Habib Family have important value in early of Pakistan
banking, Habib bank shifted in Pakistan with personal request of Muhammad Ali Jinnah.
India is Failed to pay 90 million shares of Pakistan, then Muhammad Ali Habib gave loan of
80 million to issue the Government paper. Habib Bank AG Zurich is subsidiary of Swiss
Bank Corporation.
Metropolitan Bank ltd, is incorporated on (3 august, 1992), On 26 October, 2006 merged with
Habib Bank AG Zurich’s and operating as the name of Habib Metro Bank.
4.3. Having Grade
4.3.1. Pakistan Credit Rating Agency (PACRA)

Pakistan Credit Rating Agency (PACRA) gave AA+ for long-Term Credit and A1+ for
Short-Term Credit.
4.4. Member of Board
Number Table
Designating Number of People
Chair Man 1
Director 7
President & CEO 1
I. Mr. Mohamed Ali Habib

Chairman
Mr. Mohammed Ali Habib is done graduate in Business Management – Finance from Clark
University, USA. He also holds a Post Graduate Diploma in General Management from
Stanford – National University of Singapore.
Mr. Mohammed Ali Habib join first bank Habib Bank AG Zurich in 1996
II. Mr. Ali Suleman Habib

Director
Mr. Ali Suleman Habib has done graduate in Mechanical Engineering from University of
Minnesota and also completed Post Graduate Diploma in Executive Development from

HABIB METRO BANK
Harvard University.
III. Mr. Anjum Z. Iqbal

Director
Mr. Anjum Iqbal working as Non-Executive Director on the Board of Habib Metropolitan
Bank Limited since October 2016. Earlier, he remained President and Chief Executive
Officer of Habib Metro during 2009 and 2012.
IV. Mr. Firasat Ali

Director
Mr. Ali is presently the CEO of “The Centre for Change” Think for proper management for
individuals, organizations. His career, Almost 37 years, includes distinguished assignments
in economic advisory, he has served as an adviser at the USAID, UNDP and various
government/private organizations.
V. Mr. Mohomed Bashir

Director
Mr. Bashir is an experienced businessman and have good name in the textile industry. He has
done a fellow membership of Chartered Institute of Management Accountants (C.I.M.A),
UK. Presently, Mr. Bashir is the Chief Executive of Gul Ahmed Textile Ltd., and also holds
directorship of Gul Ahmed Energy Ltd, Safe Mix Concrete Products (Pvt.) Ltd., Gul Ahmed
Holdings (Pvt.) Ltd., GTM (Europe) Ltd., UK, Gul Ahmed International Ltd., (FZC) UAE.
and Pakistan Business Council.
VI. Mr. Muhammad Hyder Habib

Director
Mr. Habib is a profession banker, with over 32 years of experience. He is presently the
President of Habib Bank AG Zurich. Additionally, he has directorships of
 HBZ Bank Ltd., South Africa,
 Habib Canadian Bank, Canada,
 Gefan Finanz AG, Switzerland.
Mr. Habib is a graduate in Finance from Babson College, Boston MA. USA.
VII. Mr. Sohail Hasan

Director
Mr. Sohail Hasan is fellow member of the Institute of Chartered Accountants in England and
Wales, as well as in Pakistan. He has served as a partner for over 35 years in
F. Ferguson & Co., a member firm of Price Waterhouse Coopers. Mr. Hasan has extensive

HABIB METRO BANK
experience in accounting, tax and management advisory services covering government

agencies, multinationals and private and public sector companies. His experience spreads
over a large and diverse portfolio of companies in the manufacturing, petroleum, oil
marketing, telecommunication, banking, other financial and service sectors.
VIII. Mr. Tariq Ikram

Director
Mr. Ikram is good seasoned trainer and speaker. He enjoys a educational

background coupled with his rich experience in both the private and public
sectors, along with extensive worldwide travel and interaction with
international governments and private sectors. He has served as the Chief
Executive of Reckitt & Colman (later Reckitt Benckiser Pvt. Ltd) of Pakistan Ltd.
IX. Mr. Mohsin Ali Nathani

President & CEO
Mohsin is a seasoned corporate banker with over 25 years of banking experience, covering
Asia (East and South-East), Middle East and Levant regions. He was the CEO for UAE at
Standard Chartered PLC and in his penultimate role, he looked after Standard Chartered Bank
Pakistan Limited as CEO.

HABIB METRO BANK
Overview of Director
Name Type of Board Member Relationship
Mr. Mohamed Ali Habib Chairman 18
Mr. Ali Suleman Habib Director 11
Mr. Mohomed Bashir Director 12
Mr. Muhammad Hyder Habib Director 23
Mr. Sohail Hasan Director 11
Mr. Tariq Ikram Director 19
Mr. Firasat Ali Director 11
Mr. Anjum Z. Iqbal Director 21
Mr. Mohsin Ali Nathani President & CEO 18

HABIB METRO BANK
4.5. Name of Auditor of the Company
4.5.1. KPMG Taseer Hadi & Co. Chartered Accountants

They operate in 155 countries and have more than 174,002 people working in member firms
around the world. The KPMG network is coordinated by Swiss cooperative KPMG
International (KPMGI).
KPMG Taseer Hadi & Co., was established in 1969 with two Partners, awarded
“Representative Firm” status of Peat Marwick in 1973, “Correspondence Firm Status” in
1977 and a full “Member Firm” status of Peat Marwick in 1982.
They value diversity and inclusion, fostering a positive and encouraging culture. As a result
we attract passionate individuals who share a common purpose of Inspiring Confidence and
Empowering Change for their clients and the communities in which they live and work.
Amid times of economic change, technology advancement and industry disruption, KPMG
has the depth of expertise, global reach, clarity of insight and strength of purpose to work
shoulder to shoulder with our clients – now and into the future.
4.6. Name of Legal Advisor
Ahmed & Qazi Advocates & Legal Consultants

Ahmed & Qazi is the leading commercial law firm in Pakistan offering quality services with
an overall focus on helping client to achieve their commercial objectives. It is unique in the
country for being equally strong in offering corporate services as well as those in commercial
litigation.
With A full time staff of 64, with 33 full time lawyers (highest number of lawyers in any
local law firm) enables Ahmed & Qazi to cover the whole landscape of commercial laws in
the country. Such a large team to experienced lawyers has made it possible for the firm to
have a lead position in more than one field of practice and also to maintain high quality and
fast turnaround time when offering services to a large number of major clients. That is a top
law firm of Pakistan with a large team of lawyers that enables his firm to have a leading
position in Pakistan in different areas of law.
They are maintain high standards of quality and fast turnaround time.
This firm is rated as the top tier firm by The Legal 500 and Chambers and Partners.
According to The Legal 500, our firm is “very experienced” in its delivery of “a first-rate
level of service” within banking and finance.
For the capital markets, according to The Legal 500, A & Q team is “knowledgeable” with
“very fast turnaround times” and “excellent business acumen” always providing “appropriate
advice”.

HABIB METRO BANK
4.7. HABIBMETRO Shareholding Pattern
PARTICULARS SHAREHOLDING PERCENTAGE
Directors and their spouse(s) and minor children 24,649,653 2.35%
Associated Companies, undertakings and related parties 537,161,478 51.26%
Executives 669,567 0.06%
Public Sector Companies and Corporations 11,103,386 1.06%
Banks, development finance institutions, non-banking finance 66,909,293 6.39%

companies, insurance companies, takaful, modarabas and
pension funds
Mutual Funds 43,572,675 4.16%
General Public – Local 167,712,887 16.01%
General Public – Foreign 3,053,133 0.29%
Foreign Companies 107,871,426 10.29%
Others 85,127,982 8.12%
Shares held by 2,824 Shareholders 1,047,831,480 100.00%

HABIB METRO BANK
4.8. Mission
Build your trust, HABIBMETRO providing you Shari’ah compliant banking solutions.
Driven by promise of service with security and strong ethical standards, they ensure that you
remain close to your beliefs and stay ahead of the competition.
4.9. Vision
"To Be The Most Respected Financial Institution Based On Trust, Service And
Commitment"
4.9.1. Vision values

 Trust
 Integrity
 Respect
 Responsibility
 Commitment
 Teamwork
4.10. Opening Branch of Habib metro bank
Habib metro bank started with the 18 branches in the 40 city of Pakistan, Frist branch open in
the Karachi, and head office are settle in Karachi,
4.11. Bank Detail After 1 year of cooperated
Particular Amount/ Number (Rs. In million)
Shareholder equity 1030
Paid up capital 375
Total Assets 15526
Deposit 10715
Advance 7190
Investment 5960
Before Tax Profit 573

HABIB METRO BANK
After Tax Profit 201
Earnings Per Share 5.36
Dividend% 33.33%
No of Staff 426
No of Branches 18

HABIB METRO BANK
5. How to generate deposit?
Accounts In Habib Metro Bank

Habib metro bank is a commercial bank have primary objective to take deposit and issue
loans to create his profit by gave interest of deposit and taken interest on loans.
Habib bank get Deposit by different ways these are some described now.
1. Current Account
1.1. Silver Current Account
1.2. Super Current Account
1.3. Current Account
1.4. Asaan Current Account
1.5. Basic Banking Account
2. Saving Account
2.1. Saving Plus Account
2.2. Multipolar Account
2.3. Privilege 55+ Account
2.4. Join Account
2.5. Foreign Currency Saving Account
2.6. Profit and loss Saving Account
2.7. Asan Saving Account
3. Fixed Deposit Account
3.1. Mahna Deposit Account
3.2. Premium Deposit Account
3.3. Azafa Banao Certificate
3.4. Pakistan Banao Certificate
5.1. Current Account

Current account mostly provided to business man, who operate by individuals person.
Current account is also important for the bank, because many business man use that account
and these account rapidly use, So that amount is use for accomplished the daily paid of
money and other expenses.
These account rapidly use for deposited, withdrawal , transfer etc, these thing become source
of Income. And no interest and profit are paid on this account.
Habib Metro bank provided different type of current account for different nature of clients.

HABIB METRO BANK
5.1.1. Silver current Account

This account open with the initial deposit of Rs.1000/ and monthly deposit must be maintain
Rs.50000/ or above otherwise get some charges. Insurance coverage upto a maximum of
Rs.1,000,000/-
Benefits & Feature:

HABIB METRO BANK
5.1.2. Super Current Account
These current Account are opened for the salaried person, vender payments and received of
Dividend.
Benefits & Feature:
5.1.3. Current Account
That account fasilities provide for the business mans, in which no limit of deposit,
withdrawal, transfer money etc.
For this account you must be gave prove of your business by the rules of states bank.
Facilities Provided

HABIB METRO BANK
5.1.4. Assan Current Account

This account open with the RS.1000/- and customer
must be provided its CNIC.
That account is for every one (to get bank facilities) because not be show the income source.
Benefits & Feature:
5.1.5. Basic banking Account

This account open with the RS.1000/- and customer
must be provided its CNIC.
That account is for every one (to get bank facilities) because not be show the income source.
There is no requirement of minimum balance.
No Limits of ATM/Deposit Transactions.
Two Free chuque in 1 month, On other RS.25/- per cheque.
Benefits & Feature:

HABIB METRO BANK
5.2. Saving Account
Bank provide the option to open the saving account, deposited amount in saving banks used
for Advancing loan, Because bank Knowe that amount not be deposit for short time, that’s
way 20% save in the States Bank as a reserve, and 60% use for advancing loans.
That account are opened to save money for the short time period, and get some handsome
(Almost 6%) amount on the deposit money in the shape of profit and interest.
Bank provided these Saving Accounts.
5.2.1. Saving Plus Account
A saving account opened with a monthly profit payment. A higher profit rate can be
availed by maintaining an average balance of over Rs. 250,000/-
Insurance coverage balance provided upto 1,000,000/- on maintaining of minimum
balance of 15000/- monthly.
Benefits & Feature:

HABIB METRO BANK
5.2.2. Multiplier Account
Bank provided the option to open account for more then to one
person, or corporates account with the monthly profit payments, Higher Profit gave at
minimum maintains balance of 50.Millions monthly
Benefits & Feature:

.
5.2.3. Privilege 55+ Account

A saving account with the monthly profit payment system, specially for individual above
to 55 age to accomplished daily need of banking system and extra get free life insurance.
Insurance Coverage provided up to 2,000,000 up to 65 age, with the maintain minimum
RS.50,000/- payment monthly.
Benefits & Feature:

HABIB METRO BANK
5.2.4. Junior Saving Accounts
Bank provided option to open the account in bank for child (Up to 18 age) to get habit of
money saving, And gave some profit on deposited amount
Benefits & Feature:

.
5.2.5. FCY Saving Plus Account
FCY (Foreign Currency Yearly) Saving Plus account open with the USD, GBP, EUR
currency. There profit provided and annually basis.
Benefits & Feature:

HABIB METRO BANK
5.2.6. Profit and Loss Account
Pakistan is a Muslim country and there people not want get

interest on these amount, so states bank provided option to open account on base of profit and
lose.
Habib Metro Bank Provided this option without minims balance requirement and profit
distribute on monthly bases.
5.2.7. Asaan Saving Account
This account open to save short time and small amount to save, just open with RS.100/-
Insurance coverage provided up to 1,000,000 with the minimum balance of 15,000/- in last 6
months.

HABIB METRO BANK
Benefits & Feature:
5.3. Fixed Deposit Account
Bank provide option to open fixed account in the bank, and paid huge amount of profit on
these accounts because these amounts are fixed for a long time period 1year to 5year. If any
customer wants his money before maturity time then bank deducted some amount on it.
5.3.1. Mahna Deposit Account

Mahna Deposit Account are mostly providing to these
people whose want monthly profit on his amount for to accomplish daily expenses, the
rate of profit is similar to yearly profit but profit distribute monthly basis.
Benefits & Feature:

 Monthly profit payout
 Minimum investment: Rs. 25,000/-
 Maximum investment: Rs. 50,000,000/-
 Financing facility available
 Early encashment allowed*
*Fee of 2% will be charged on the principal amount or profit paid, whichever is
lower
TENURES & DENOMINATIONS

Tenures Denominations (in multiples of)
1 Year 25K, 250K & 2.5M
2 Year
3 Year 50K, 500K & 5.0M
4 Year

HABIB METRO BANK
5 Year 100K, 1M & 10M
5.3.2. Premium Deposit Account
Premium Deposit Account are mostly providing to these people whose want yearly and
semiannually profit on his amount for to accomplish Business expenses or may be other,
they not be needed urgently money, the rate of profit is similar to yearly profit but profit
distribute semiannually basis or may be annually.
Benefits & Feature:
*Fee of 2% will be charged on the principal amount or profit paid, whichever is
lower

1 Year Investments in multiple of Rs. 5,000/-
2 Year
4 Year
5.3.3. Azafa Banao Certificate
That account open for the fixed amount for the 5 year and gave
the large amount of profit. Because the amount is fixed for 5 year, and if any person
wants his money then bank deducted some amount. And profit distribute yearly bases.
Benefits & Feature:


HABIB METRO BANK
* As per encashment schedule.

5 Years Rs. 10K, 25K, 100K, 250K, 1M & 2.5M
5.3.4. Pakistan Banao Certificate
Pakistan Banao Certificate are investment instrument launched for overseas Pakistanis.
Pakistan Banao Certificates is risk-free certificate that gave an annual interest rate starting
from 6.25%.
The Certificates are available with 2 level of maturities of 3 years and 5 years maturity and
profit rates of 6.25% and 6.75% per annum respectively payable.
How to purchase Pakistan Banao Certificates?

Pakistan Banao Certificates are available online. NICOP and other valid documents are
required.
Who can invest?

1. Pakistani individual having Computerized National Identity Card (CNIC).
2. Pakistani individual having a National Identity Card for Overseas Pakistanis (NICOP).
3. Holders of Pakistan Origin Card (POC)
Minimum Investment Amount:
The minimum investment amount is USD 5,000.
Investments of higher amounts are available in the integral multiples of USD 1,000.
There is no maximum limit
Transfer of Funds:
The investor will remit the intended investment amount from his/her own account outside
Pakistan to the SBP account with National Bank of Pakistan (NBP) New York.
Subscription process:
The certificates are issued to investors electronically on receipt of funds in State Bank of
Pakistan Account given the portal. The investor receives confirmation of the issuance of the
certificates both through email and updating of their account on the portal.
Investors can view the status of their application by accessing the web-portal through their
respective User ID and Password.
Key benefits:
The profit is paid on bi-annual basis; maturity in US dollar as well as PKR; PKR maturity has

HABIB METRO BANK
an added incentive of 1% on the final premium, can be en-cashed at any time, however,
encashment in USD done within one year of issuance entails 1 percent penalty.
6. How to get Profit?
Products of Habib Metro Bank

1. Bancassurance (Insurance)
1.1. Jubilee Life Insurance.
1.2.EFU Family Takkaful:
2. Car Financing
3. Remittance
3.1.MoneyGram International
3.2.Ria Money Transfer
3.3.Home emittance
3.4.Remittance Tracker
3.5.Partners
4. Rent Free locker
6.1. Bancassurance (Insurance)
7. Habib metro bank provide insurance as the behave of 2 insurance companies 1 Jubilee
life Insurance and 2 EFU. Bank here work like a bridge, create relation between own
clients and insurance companies.
6.1.1. Jubilee Life Insurance.
Jubilee insurance company is one of them largest insurance companies of Pakistan. Jubilee
provided these option at here described below now.
i. Education Continuation Benefit
ii. Accidental Death
iii. Accidental Death and Dismemberment Benefit
iv. Waiver of Premium
v. Critical Illness

HABIB METRO BANK
vi. Permanent Total Disability

vii. Hospitalization Cash Rider
Assured Savings Plan

Investment Fund MANAGED FUND , MEESAQUE FUND ,
YAQEEN & CAPITAL
Minimum/Maximum Age at Entry 18-65 years (nearest birthday)
Maximum Age at Maturity 70 years (nearest birthday)
Available Term & Payment Range Whole Life
Minimum Annual Premium 24,000
Unit Allocation as % of Basic Plan Premium Year 1 – 30%
Year 2 – 85%
Year 3 – 90%
Year 4 – 100%
Year 5 & onwards – 103%
Ad hoc – 100%
Cover Multiple 5 – 254
Sum Assured Regular Basic Premium x Cover multiple
Premium Payment Mode Monthly, Quarterly, Semi Annual & Annual
Partial Withdrawal If you need to withdraw cash for meeting some
emergency needs, but do not want to surrender
the policy, you can withdraw any amount,
subject to minimum of Rs. 15,000 provided that
the remaining cash value (as may be reviewed
by Jubilee Life) of your policy after withdrawal
is greater than or equal to Rs.24,000.

HABIB METRO BANK
Death Benefit Sum Covered or Cash value of units, whichever

is higher.
Optional Riders Accidental Death Benefit, Accidental Death &
Dismemberment Benefit, Permanent Total
Disability Benefit, Critical Illness Benefit,
Hospitalization Cash Benefit, Waiver of
Premium Benefit, Family Income Benefit
Applicable Charges Bid/Offer Spread: 5% of Basic Premium
Management Charge: 1.5% of Fund Value per
annum
Administration Fee: Rs 100 per month
(Currently Available)
Mortality Charge: Applied on Sum At Risk on
attained age basis
Optional Rider(s)
Accidental Death:
This rider provides extra protection against accidental death; an additional amount will be
paid under this benefit if death occurs due to an accident.
Accidental Death and Dismemberment Benefit:
An additional amount will be payable in full under this benefit in case death occurs due to an
accident. In cases of dismemberment, full or partial amount may be payable depending on the
nature of dismemberment.
Waiver of Premium:
If the life assured suffers an illness or disability and is not able to follow his/her own
occupation or any other occupation suited by his/her knowledge, training or education for at
least six months, then the premium from the next premium due date will be waived until
recovery.
Critical Illness:
This rider advances the benefit payable on death in case the life assured is diagnosed as
having one of the specified critical illness.

HABIB METRO BANK
Permanent Total Disability:
Advances the benefit payable on death in case the life assured suffers permanent total
disability.
Hospitalization Cash Rider:
A daily benefit is paid if the life assured is confined to a hospital. The benefit is doubted in
case of hospitalization due to any of the critical illness. In case of confinement to ICU,
additional 50% benefits will be payable. Spouse and children can also be covered under this
benefit.
The premium for these optional rider(s) is charged in addition to the basic plan premium.
*Disclaimer: “The product is underwritten by Jubilee Life Insurance. It is not
guaranteed or insured by “Habib Metropolitan Bank.”
6.1.2. EFU Family Takkaful:
EFU insurance company is one of them largest insurance companies of Pakistan. EFU
provided these option at here described below now.
i. Takaful Accidental Death Benefit
ii. Takaful Accidental Death and Disability Benefit
iii. Takaful Waiver of Contribution
iv. Additional Term Takaful
v. Takaful Family Income Benefit
Asaan Bachat Plan

ype of plan Unit linked takaful plan
urpose Multipurpose savings plan providing Takaful coverage as well as Shariah compliant investment opportunity
pplicable
ges and The product is available to anyone between the ages of 18 to 65 years. The minimum term of the plan is 10
erms years whereas the maximum term is 25 years; subject to a maximum age of 75 at maturity.
asic Plan The minimum contribution for this plan is Rs. 20,000. There is no maximum limit.
ontribution –
inimum and
aximum limits

HABIB METRO BANK
und In case the Participant has extra funds available, the plan provides the flexibility to channel these to the
cceleration Plan and provide a boost to the savings. These lump sum contributions are called Fund Acceleration
ontribution Contributions(FAC) and can be paid anytime while the policy is in-force. The minimum FAC amount is
AC) Rs. 20,000 per payment
nit Allocation Contributions are allocated to the unit linked fund based on the following percentages:
Year Allocation as percentage of Contribution
1 35%
2 85%
3 95%
4&5 100%
6 to 10 103%
11 to 25 105%
FAC Allocation : 100%
um Covered This is the amount payable on death.
The Sum Covered may be selected from a range depending on the age at entry. The Sum Covered is
determined as the Basic plan annual Contribution multiplied by the “Protection Multiple” which can be
selected from the following table:
Levels of Coverage
Age Protection Component
Minimum Maximum
18 – 35 5 75
36 – 40 5 50
41 – 49 5 35
50 – 60 5 (70-age)
61 – 65 5 5
eath Benefit On death, the benefit payable is equal to
The greater of,
Sum covered OR the Cash Value of units allocated against basic Contribution + The Cash Value of units
allocated against FAC.
ithdrawal Two types of withdrawals are allowed:
a) Permanent Withdrawal
The total cash value will be payable. This can be done anytime during the term of the policy.
b) Partial Withdrawal
This is allowed anytime subject to Rs. 25,000 remaining in the Investment Account. Minimum amount for partial
withdrawal is Rs. 20,000.

HABIB METRO BANK
ptional Riders Takaful Accidental Death Benefit
Takaful Accidental Death and Disability Benefit
Takaful Waiver of Contribution
Additional Term Takaful
Takaful Family Income Benefit
The contribution for optional riders is charged in addition to the basic plan contribution.
6.2. Car Financing
Habib metro bank also provided the option of Car financing, this is the way of get profit by
the bank. And economics of Pakistan also rapidly increase because money circulation in
donning.
Eligibility Criteria
 Applicant must be an employee of a well- reputed organization or a self-employed
professional or businessman
 Should be in current employment for atleast 3 years or should be in business/profession for
atleast 5 years
 Age should not be more than 60 years
Financing Criteria
 Applicant will contribute a minimum of 20% of vehicle cost as down payment

 In case of salaried individuals, monthly car installment rental will not exceed more than 1/3rd
of net monthly take home salary
 Net financing will not exceed Rs. 3.0 million

HABIB METRO BANK
Application Process
 Two (recent) passport size photographs
 Copy of CNIC and NTN Certificate
 Copies of last paid utility bills
 Copy of valid driving license
 Bank statements for last six months
 Copies of credit card bills of last three months (if any)
 Copies of Income and Wealth Tax returns for last two years
 Cheque of Rs. 7,000/- Processing Fee
Additional document for salaried Person
 Last salary slip (original or company certified copy)

 Letter from employer, stating the date of joining, gross package
Additional Document for self-Employed Professional
 Copy of professional degree
 Current professional association/membership/practicing certificate
 Copy of ownership or rental agreement of business premise
Additional Document for Businessman
 Bank Certificate stating applicant’s business account and its duration

 Certificate of Incorporation and Commencement of business (where applicable)
 Copy of ownership or rental agreement of business premises
 Copy of partnership deed (if applicable)
6.3. Remittance
Habib metro bank gave option to received money form in country and out country with the
own branches. Send by the personal us and may be for the business use.
6.3.1. Money Gram Remittance
Habib metro bank gave option to received money form in country and out country with the
own branches and money gram. Money gram is the fastest option to send money in all over
the world with 334000 local agents and 2000 branches in across the world. Beneficial can
receive money across the country in any branch of Habib Metro Bank.
How can Received your money?
 Ask the remitter for your specific 8-digit reference number

HABIB METRO BANK
 Visit any HABIBMETRO Bank branch with the reference number (given to you by remitter)
and original CNIC (or passport)
 Fill a simple form given to you by the branch staff, present your CNIC/ Passport, and collect
payment immediately from the counter
6.3.2. RIA Money Transfer
Ria money have 321000 agents across the worlds with in the 146 countries.
How can Received your money?

 Ask the remitter for your specific 11-digit reference number.
 Visit any HABIBMETRO Bank branch with the reference number (given to you by remitter)
and original CNIC (or passport).
 Provide the details to the designated branch staff, present your CNIC/ Passport, and collect
payment immediately from the counte
6.3.3. Home Remittance
States Bank of Pakistan gave the option to oversees of Pakistanis to send their money in all
over the Pakistan into all over the world.
Habib metro bank account holder grt their remittance directly in his account.
For Habib Metro Account Holder
As soon as the remittance has been received, accounts of our customers are credited with the
funds. If the customer has Active to SMS alerts, the same are generated to the beneficiaries
for their convenience.
For Cash our counter Payment
Beneficiaries, who do not open accounts in HABIBMETRO Bank branches, they collect their
cash payments from any branch of HABIBMETRO Bank, MCB Bank and Allied Bank
branches across Pakistan. You can receive your remittances by following a simple three step
procedure:
Step 1:
Ask the sender / remitter for the reference number / PIN code
Step 2:
Visit any HABIBMETRO Bank, Pakistan with the given reference number / PIN code and
your original CNIC / Passport
Step 3:
Collect your payment from the counter after completion of formalities. If mobile number has
been provided, SMS alerts are sent to the beneficiaries for intimation.

HABIB METRO BANK
For other Bank Holder

If you have an account with any other Bank, funds will be transferred to your account
through:
 IBFT (Inter Bank Funds Transfer)

 RTGS (Real Time Gross Settlement)
 Pay Order/Demand Draft
6.3.4. Our Home Remittance Partners (Tie-Ups)
HABIBMETRO Bank has partnered with the exchange companies and Banks in the
following countries:
 Canada
 Hong Kong
 Isle of Man
 Kenya
 Qatar
 Singapore
 South Africa
 Spain
 Switzerland
 United Arab Emirates
 United Kingdom
 United States of America
6.3.5. Remittance Tracker

Every Body track his remittance with the given option by the provided Habib Metro Bank.

HABIB METRO BANK
6.3.6. Partners
Habib metro bank partners for remittance
World wide
MoneyGram
Ria Money Transfer

HABIB METRO BANK
Europe
Money Exchange S.A.
NEC Money
Italy
National Exchange Company
Qatar

HABIB METRO BANK
HABIB QATAR INT’L EXCHANGE LTD
UAE
ALFA EXCHANGE
REDHA AL-ANSARI EXCHANGE
Delma Exchange
Index Exchange

HABIB METRO BANK
Universal Exchange
UK
FGC MONEY

HABIB METRO BANK
6.4. Rent Free Locker
Habib metro bank also provided the facilities of rent free locker.
 Secure
 Rent Free
 Refundable Security Deposit
Size Security Deposited

Small RS.25,000
Medium RS.40,000
Large RS.70,000
Extra large RS.125,000

HABIB METRO BANK
7. Analysis Of Habib Metro Bank

We do 3 analysis at here are giver below.
1. Financial Analysis
2. Swat Analysis
3. Pest Analysis

HABIB METRO BANK
7.1. Financial Analysis

DEC- DEC- DEC- DEC- DEC- DEC-
FOR THE YEAR
2018 2017 2016 2015 2014 2013
(Rupees in millions)
Shareholders’ Equity 37,002 40,498 39,670 36,828 34,750 27,984
Paid-up Capital 10,478 10,478 10,478 10,478 10,478 10,478
Total Assets 673,396 660,666 538,007 502,433 409,894 322,275
Deposits 543,578 508,104 429,932 402,671 319,597 247,348
Advances 226,690 174,319 142,962 132,647 134,751 129,834
Investments 346,666 396,637 314,619 292,779 221,761 142,444
Profit before Tax 10,074 9,129 10,334 12,539 7,312 5,112
Profit after Tax 6,161 5,509 6,119 7,656 4,927 3,526
Earnings Per Share (Rs.) 5.88 5.26 5.84 7.31 4.7 3.37
Cash dividend (%) – final 20 30 30 20 25 20

– interim – – – 20 – –
No. of Staff 4,841 4,719 4,597 4,277 3,914 3,559
No. of Branches \Sub

352 320 307 276 240 21
Branches

HABIB METRO BANK
7.1.1. Asset Increasing Chart

Asset Of Last 5 year Graph
800000
700000
600000
500000
400000
300000
200000
100000
0
2013 2014 2015 2016 2017 2018
7.1.2. Deposited increasing Chart

Deposit
600000
500000
400000
300000
200000
100000
0
2013 2014 2015 2016 2017 2018

HABIB METRO BANK
7.1.3. Advance increasing Chart

Advance of Last 5 year
250000
200000
150000
100000
50000
0
2013 2014 2015 2016 2017 2018
7.1.4. Income before Tax increasing Chart (in millions)

Income Before Tax of last 5 year
14000
12000
10000
8000
6000
4000
2000
0
2013 2014 2015 2016 2017 2018

HABIB METRO BANK
7.1.5. Income after Tax increasing Chart (in millions)

Income After Tax of last 5 year
9000
8000
7000
6000
5000
4000
3000
2000
1000
0
2013 2014 2015 2016 2017 2018
7.1.6. Braches Chart of last 5 years

Braches of HMB of last 5 year
400
350
300
250
200
150
100
50
0
2013 2014 2015 2016 2017 2018

HABIB METRO BANK
7.1.7. Employs Chart of last 5 years

Series 1
6000
5000
4000
3000
2000
1000
0
2013 2014 2015 2016 2017 2018

HABIB METRO BANK
7.2. SWOT Analysis
SWOT analysis is a word that stands for strength, weakness, opportunities, and treats. SWOT
analysis is detailed evaluation of firm or organization in internal strength and weakness but
also its environmental threats and opportunities. “The overall assessment of a firm or
company strength, weakness, opportunities, threats is known as SWOT analysis” In SWOT
analysis the best way to complete an organization’s goals by :
 The utilization an organization’s strength and opportunities.
 To modify its threats.
 To get off or rectify its weaknesses
Here, now we briefly discuss the strengths, weaknesses and opportunities, threats and also
discuss the Environmental analysis after the discussion of the SWOT.
SWOT Mean
1. Strength
2. Weakness
3. Opportunities
4. Threats
7.2.1. Strength
These are the some strength of Habib Metro Bank
 First Swiss bank shareholder hold 51% share of AG Zurich Bank, And that merged with
Habib Metro Bank. That is the highest Strength of habib metro Bank, In any bad cases Swiss
bank help it.
 Strength is the high motivation of employees to their work because they know that what so
ever they do, It will be in their own benefit. They know that the profit, which they will earn,
will be distributed among all the employees. So they work high motivation and concentration.
 Salaries are very reasonable, so the employs are not financially disturbed and devote their
salves fully to their work.
 The bank has very strict rules and regulations about the customer’s complain. The customer
is treated as very special person in the bank.
 Conservative and sustainable business policy.
 Highly qualified and experienced staff.
 Strong capital base due to own funds
 Advance risk management.
 HMB has a huge credit rating as compare to the other province banks, because bank of
Punjab providing economic role in innovative financial services.
 HBM is doing very well in level of performance through customers focused policy to
maximum value and fulfillment as compare to others province bank.
 The HMB has a strength because it is more reliable than the others bank, uses friendly
computer programs for their customers
 The HMB is following roles and regulation actively which is imposed by the Punjab
Government, so it makes the environment in discipline.

HABIB METRO BANK
7.2.2. Weakness
 Relatively high sector exposure
 Global presence requires high staff resources.
 High Staff cost due to Higher most professional and experienced person.
 No material Client Deposits
 Dependence on the money and capital market.
 Lowest Cost expend on Advertisement.
 Faces of branches no looking good and pretty.
 Lowest branches other than commercial banks.
 Poor results of all employees because most of employee did not communicate with their
higher level of managers related to their tasks and effective goal.
 Lack of compensation, workers could not compensate with each other if any employees face
any problem during work, then there is need of coordination in decision making, problem
solving, related to their issues.
 There is also a lack of workforce in the bank.
 Some of employee faces a burden of work which may cause workers as high pressure to their
completion of work.
 As each worker performs their several duties in one time so this takes extra time which may
slow down the overall performance.
7.2.3. Opportunities
 Realization of margins in line with risk taken.
 Expansion of anti-cyclical investment Management activites.
 Building new client relationship.
 Expend money to advertisement of gave services.
 Giving new schemes to start new business for small level persons.
 Boosting our good reputation as a reliable agent for international industry.
 Due to daily increasing in deposits of HMB, they have an opportunity to increase their
investments and financing in banking sector.
 The Bank of Punjab is now facing a heavy competition by its competitors because of business
of all banking sector is now at peak point.
 Inflation is a major problem, in Modern type of banking system, these are the also big threat
for HMB, its leads to low deposits as well as reduce the consumer demand.
 Due to high usability in our country and in economic situation the investors step back due to
condition of the country and avoid investment related to their revenues.
7.2.4. Threats
 First threat is political infusion. Three boards of director are the government. So that they can
influence on the decisions of the Habib Metro.
 Increasing the prices and economics go downward in last 5 year.
 Further Government support for Habib growing regulatory requirement.
 Due to high usability in our country and in economic situation the investors step back due to
condition of the country and avoid investment related to their revenues.
 Transactions of all bank is increasing day by day which may affect the deposits of the HMB
so there is threat for bank.

HABIB METRO BANK
“Changes in your organization by external environment can make good opportunities for your
organization and cause meaningful threats.”

HABIB METRO BANK
7.3. PEST Analysis:
PEST analysis is mostly used objective which gave helps you to analyze the Political,
Economic, Socio-cultural, and Technological changes in the organization Environment. It
helps to you, make the understanding the “big picture” strategies of change that you were
expressed to money, take benefit of the chances to get that the present
PEST analysis of any organization, find out the main factors that effect on the organization.
PEST analysis is a technique to understand forces that’s run the organization and how these
factors can affect the business or company.
 POLITICAL
 ECONOMICAL
 SOCIO-CULTURAL
 TECHNOLOGICAL
Now we go to discuss the external environment of organization in briefly which can affect
the organization. These are as follow:
7.3.1. Political:
The political situation of our country is not stable. Every government come with own new
policies which can affect the organization by easily. Every government disclose the strategic
of previous government rules, and create new strategic to permute economically country.
When the political circumstance is not stable, the foreign investors not are interested to invest
his money in our country which can affect the whole profit result of the all organization and
foreign investment rate goes down.
Political factors include areas such as tax policy, employment laws, environmental rules,
trade restrictions and political instability etc.
7.3.2. Economical:
The bank of Punjab is operating their every work in present economy. The economic
situation of the country is not at peak point of the market. Heavy financing and also
increasing inflation rate makes the business structure strong. Due to higher inflation rate
make cause of production and our country goes to well out products at a maximum level of
prices with the rate of low margin.
The banking organization and the industrialism are equal. How earnings flow, whether the
economy is booming or hardly survive during time of recession. Economic factors are
economic growth, interest rates, exchange rate and inflation rate. The reason behind them,
when economic factors affect on customer borrow or uses fund at banks.
7.3.3. Socio-Cultural:
In this condition, several processes may affect the organization like tendencies, behavior in
values and accepts of individuals living in various zones. The Bank of Punjab is providing
different services related to their several demands and changing ways of life. Social factor
mostly look at the culture purpose and also include health, growth rate, population,
distribution and relay on safety.

HABIB METRO BANK
Culture grasp, such as buying activity and needs, affect how people watch and how consume
baking options. People modify to bank for proposal and relief for financing related to their
business, home and institutes. Consumer need information from bank tellers related to their
savings account, credit card, investment and etc.
7.3.4. Technological:
Technical gain is very important role to serve the services and consumers in new ways. The
development in technologically organization and higher technology help to compete their
competitors in world market area.
Technology is now provides to how customers settled and used their funds.
Facilities Provided
 Send Money online.

 Pays Bill
 Account statement
 Books Tickets
 And etc facilities provided by Bank
 Debit Card (Get money any time)
Recommendation For Improvement

The HABIB METRO BANK doing the god job over the years that ways the deposited of the
organization increase and the profitability also increase. The recommendation for the improvement
is as follow
 Gross spread ratio of the organization is steady decreasing and need to be improved.
 Noninterest income to totel income ratio is improving and need to be continued.
 Debt Ratio is dressed over the period of the time and thing need to be continued.
Conclusions
Now we conclude it, that Habib metro bank has most of the branches are
online and connected with the main bank and online system which I like and
observe it is secure and time saving and there is less chance of mistakeas
compare to non-online bank branches there is also facility of ATM machine
almost all branches of HABIB METRO BANK which is good for bank and
customer too and working of HABIB METRO BANK.

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HABIB METRO BANK

Department of Banking and Finance

Hailey College OF Banking & Finance

Habib Metro Bank (LTD)

Session: MBA Evening Banking and Finance Fall 2018-2022

Project Supervisor: Prof. Raiz Ahmed

Daniyal Yousaf E18-MBA140

Usman Nawaz E18-MBA97

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

2. FORMULATION OF THE BANKING

3. BANKING SYSTEM IN PAKISTAN

 State Bank OF Pakistan

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

4.1. Braches Of Habib Metro Bank

Habib metro bank has 352 branches in 90 cities of Pakistan.

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

TYPE Public Limited Company

Revenue PKR 37,002 million

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

4.3. Having Grade

4.3.1. Pakistan Credit Rating Agency (PACRA)

4.4. Member of Board

I. Mr. Mohamed Ali Habib

II. Mr. Ali Suleman Habib

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

III. Mr. Anjum Z. Iqbal

IV. Mr. Firasat Ali

V. Mr. Mohomed Bashir

VI. Mr. Muhammad Hyder Habib

VII. Mr. Sohail Hasan

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

experience in accounting, tax and management advisory services covering government

VIII. Mr. Tariq Ikram

Mr. Ikram is good seasoned trainer and speaker. He enjoys a educational

IX. Mr. Mohsin Ali Nathani

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

Name Type of Board Member Relationship

Mr. Mohamed Ali Habib Chairman 18

Mr. Ali Suleman Habib Director 11

Mr. Mohomed Bashir Director 12

Mr. Muhammad Hyder Habib Director 23

Mr. Sohail Hasan Director 11

Mr. Tariq Ikram Director 19

Mr. Firasat Ali Director 11

Mr. Anjum Z. Iqbal Director 21

Mr. Mohsin Ali Nathani President & CEO 18

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

4.5. Name of Auditor of the Company

4.5.1. KPMG Taseer Hadi & Co. Chartered Accountants

4.6. Name of Legal Advisor

Ahmed & Qazi Advocates & Legal Consultants

Shujja-UR-Rehman, Daniyal Kashif, Usman Nawaz

4.7. HABIBMETRO Shareholding Pattern