Company Habib Bank Limited

Company Habib Bank Limited

HBL

PK0085101019

Banks

Analysts' Consensus

Equities

HBL

PK0085101019

Banks

Analysts' Consensus

Business Summary

Sales per Business

Sales per region

Managers

Members of the board

Share class

Shareholders

Holdings

Company contact information

Group companies

Sector

Sales per Business

Sales per region

EPS Revisions

Quarterly earnings - Rate of surprise

Sector Commercial Banks

Business Summary

Sales per Business

Sales per region

Managers

Members of the board

Share class

Shareholders

Holdings

Company contact information

Group companies

Sector

Sales per Business

Sales per region

EPS Revisions

Quarterly earnings - Rate of surprise

Sector Commercial Banks

End-of-day quote Pakistan S.E. Other stock markets 06:00:00 2024-04-21 pm EDT			5-day change	1st Jan Change
114.5 ^PKR	-0.48%		+3.22%	+3.33%

Mar. 11	Pakistan's HBL CEO Aurangzeb resigns from bank, letter to bourse shows	RE
Mar. 11	Pakistan PM Sharif picks prominent banker in new cabinet, document shows	RE

Habib Bank Limited is engaged in commercial banking services in Pakistan and overseas. The Company's segments include branch banking; consumer, small and medium enterprises (SME) and rural banking; Islamic; corporate, commercial and investment banking; treasury; international and correspondent banking, and head office/others. Branch banking segment includes the branch distribution network, its related deposit and other products and general banking services. It offers loans to consumer, SME and agricultural sector. Islamic segment includes Islamic banking network and Islamic products offered by the Company. Corporate, commercial and investment banking segment provide a variety of financial products and services to large and medium sized clients, across various industrial sectors. International and correspondent banking segment includes international branches, the financial institutions business and global remittances. The Company's treasury products include derivatives and fixed income.

Number of employees: 20,301

PKR in Million	2022	Weight	2023	Weight	Delta
Branch Banking 44.5 %	81,207	38.3 %	133,330	44.5 %	+64.19%
Corporate, Commercial and Investment Banking 16.5 %	32,775	15.4 %	49,549	16.5 %	+51.18%
Islamic 11.6 %	19,859	9.4 %	34,796	11.6 %	+75.22%
Consumer, Small and Medium Enterprises and Agriculture Lending 11.6 %	29,304	13.8 %	34,657	11.6 %	+18.27%
International and Correspondent Banking 11.4 %	21,156	10.0 %	34,035	11.4 %	+60.88%
Microfinance 4.3 %	12,176	5.7 %	12,795	4.3 %	+5.08%
Treasury -1.6 %	17,612	8.3 %	-4,713	-1.6 %	-126.76%
Head Office/Others 1.2 %	-2,476	-1.2 %	3,595	1.2 %	-245.19%
Asset Management 0.5 %	682	0.3 %	1,540	0.5 %	+125.81%

PKR in Million	2022	Weight	2023	Weight	Delta
Pakistan (Including Karachi Export Processing Zone) 89.6 %	191,296	90.1 %	268,372	89.6 %	+40.29%
Middle East and Africa 4.2 %	7,983	3.8 %	12,722	4.2 %	+59.36%
Europe 3.2 %	6,015	2.8 %	9,508	3.2 %	+58.07%
Asia 3.0 %	7,001	3.3 %	8,982	3.0 %	+28.30%

Managers	Title	Age	Since
Rayomond H. Kotwal DFI	Director of Finance/CFO	61	14-12-31
Michael Maier CTO	Chief Tech/Sci/R&D Officer	-	21-12-31
Armughan Ahmed Kausar CMP	Compliance Officer	-	18-03-31
Naeem Bashir Ahmad PRN	Corporate Officer/Principal	-	18-05-31
Adnan Pasha Siddiqui PRN	Corporate Officer/Principal	-	18-04-30
Farhan Talib PRN	Corporate Officer/Principal	-	-
Jamal Nasir HRO	Human Resources Officer	-	15-02-28
Abrar Ahmed Mir PRN	Corporate Officer/Principal	-	15-06-30
Muhammad Farhanullah Khan AUD	Comptroller/Controller/Auditor	-	22-03-31
Uzman Naveed Chaudhary SEC	Corporate Secretary	-	22-09-30

Members of the board	Title	Age	Since
Rayomond H. Kotwal DFI	Director of Finance/CFO	61	14-12-31
Ali Akbar Allana CHM	Chairman	65	04-01-31
Moez Ahamed Jamal BRD	Director/Board Member	68	08-12-31
Salim Raza BRD	Director/Board Member	-	-
Najeeb Samie BRD	Director/Board Member	-	13-03-03
Shaffiq Dharamshi BRD	Director/Board Member	59	14-12-31
Saba Kamal BRD	Director/Board Member	-	21-03-25
Mufti Muhammad Zubair Usmani SHA	Shariah Board Member	-	-
Mufti Ejaz Ahmed Samadani SHA	Shariah Board Member	-	-
Mufti Muhammad Yahya Asim SHA	Shariah Board Member	-	07-12-31

	Vote	Quantity	Free-Float	Company-owned shares	Total Float
Stock A	1	1,466,852,000	525,785,595 ( 35.84 %)	0	35.84 %

Name	Equities	%	Valuation
Aga Khan Fund for Economic Development SA 56.58 %	829,967,872	56.58 %	312 M ₨
BII Group Ltd. 5.000 %	73,342,000	5.000 %	28 M ₨
JUBILEE LIFE INSURANCE COMPANY LIMITED 2.267 %	33,246,975	2.267 %	12 M ₨
NBP Fund Management Ltd. 0.4697 %	6,890,234	0.4697 %	3 M ₨
Union Investment Privatfonds GmbH 0.3960 %	5,808,200	0.3960 %	2 M ₨
Robeco Hong Kong Ltd. 0.3553 %	5,211,583	0.3553 %	2 M ₨
JUBILEE GENERAL INSURANCE COMPANY LIMITED 0.2911 %	4,270,000	0.2911 %	2 M ₨
National Investment Trust Ltd. 0.2698 %	3,958,292	0.2698 %	1 M ₨
Atlas Asset Management Ltd. 0.2060 %	3,021,554	0.2060 %	1 M ₨
MCB-Arif Habib Savings & Investments Ltd. (Invt Mgmt) 0.1954 %	2,866,786	0.1954 %	1 M ₨

Name	Equities	%	Valuation
DIAMOND TRUST BANK KENYA LIMITED 16.15%	45,159,849	16.15%	18,852,431 $
JUBILEE LIFE INSURANCE COMPANY LIMITED 18.52%	18,582,508	18.52%	8,890,243 $
ABBOTT LABORATORIES (PAKISTAN) LIMITED 0.15%	142,500	0.15%	245,443 $

Habib Bank Ltd.

HBL Tower Plot No. G-4, KDA Scheme 5

75650, Karachi

+92 21 331 16030

http://www.hbl.com

Name	Category and Sector
HBL Bank UK Ltd. (United Kingdom) HBL Bank UK Ltd. (United Kingdom) Regional BanksFinance HBL Bank UK Ltd. operates as a bank. The company is headquartered in London, the United Kingdom.	Regional Banks
Habib Bank Ltd. (Belgium) Habib Bank Ltd. (Belgium) Major BanksFinance Part of AGA KHAN DEVELOPMENT NETWORK FOUNDATION, Habib Bank Ltd. (Belgium) provides banking services. The private company is based in Brussels, Belgium.	Major Banks
Habib Bank Ltd. (Turkey) Habib Bank Ltd. (Turkey) Major BanksFinance Part of AGA KHAN DEVELOPMENT NETWORK FOUNDATION, Habib Bank Ltd. (Turkey) provides bank services. The private company is based in Sisli, Turkey.	Major Banks
Habibsons Nominees Ltd. Habibsons Nominees Ltd. Finance/Rental/LeasingFinance Part of AGA KHAN DEVELOPMENT NETWORK FOUNDATION, Habibsons Nominees Ltd. is a British company that acts as a nominee/Trust/Depository. The private company is located in the UK.	Finance/Rental/Leasing

Sell

Buy

Mean consensus

BUY

Number of Analysts

Last Close Price

114.5 PKR

Average target price

127.7 PKR

Spread / Average Target

+11.51%

Consensus

Estimates Revisions

Company calendar

	1st Jan change	Capi.
HABIB BANK LIMITED	+3.33%	604M
AGRICULTURAL BANK OF CHINA LIMITED	+16.28%	212B
PT BANK CENTRAL ASIA TBK	-0.53%	70.92B
ANZ GROUP HOLDINGS LIMITED	+9.84%	54.57B
CHINA CITIC BANK CO., LTD.	+17.12%	45.45B
INDUSTRIAL BANK CO., LTD.	-0.49%	46.26B
CRÉDIT AGRICOLE S.A.	+11.54%	45.78B
JAPAN POST BANK CO., LTD.	+9.82%	36.51B
QATAR NATIONAL BANK (Q.P.S.C.)	-16.94%	34.83B
INVEST BANK	-96.60%	32.24B

Commercial Banks

Financials

Banking & Investment Services

Banking Services

Commercial Banks