AL Habibian - Bank AL Habib Limited

Bank AL Habib Ltd
AL Habibian
November 2013
Vol. 1-XIII
AL Habibian
Inside this issue:
ISQ Candidates Recognized
2
Bank AL Habib award for best
balance sheet
3
Branch Openings
4
ARL achieves financial close for
upgradation project
5
MT 2013: Celebratory Event
6
MT 2013: Dinner
7
Trainings
8
Launch of Apna Current Account 9
AL Habib awards update
Award Ceremony for Top Performers in Utility
Bills Collections
In a Business Conference held on February 28 and
March 1, 2013, the top management strongly emphasized to need to increase the number of Utility
Bills collection.
The message was shared with the branches at a
grass root level and a healthy competition among
Branches and Areas was encouraged. As a result,
field was very motivated and a significant increase
of approximately 40% in number of utility bills
collection was witnessed over last year.
10
New Hirings
11
Bank AL Habib wins Best Mid
Sized bank Award
11
Editor’s Note
Alhamdulillah! The AL Habibian
is back! This time, it’s fresher ,
livelier, and totally digital! We
will endeavor to issue this on a
monthly basis, however its
success and appeal is totally in
your hands. The more you contribute, the more interesting it
will be.
During the passing out ceremony of Management
Trainees batch XXV held in a local hotel, the top
management, as a token of appreciation and
recognition awarded shields to the top performing
branches. One top branch was selected from each
Zone and shields were awarded to these top four
branches and their respective Branch Managers
received the same from Mr.Qumail R. Habib, Executive Director, Mansoor A Khan, Group Head, and
Mr. Aftab Hussain, Head-TMD.
Inayatullah Memon, BM-Qasimabad collecting the award
Field was highly motivated after the presentation
and was committed to further increase the business manifold in the future.
Asif Mumtaz, BM-Sabzazar collecting the award
We want this vehicle to become the binding force of this
growing family of 5,000+ employees and 410+ branches.
God Bless and Good Luck!
The Editorial Team
Liaquat Ali Dhakan, BM-Sindh Hotel collecting the award
M.Asim Chaudhry, BM-Gul e Quaid collecting the award
Bank AL Habib Ltd
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Successful IBP Superior Qualification (ISQ) Diploma
candidates Recognized
At the same event, the senior management also acknowledged the effort put in by the staff who have successfully cleared
the ISQ Diploma Examination-2013, including awards for the top performers in the exam. In all, a total of 25 candidates successfully completed the diploma examination.
Bank AL Habib Ltd
3
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Bank AL Habib awarded Bank with the Strongest Balance
Sheet by The Asian Banker in 2013
Bank AL Habib has
been accorded with
the prestigious accolade of ‘The Asian
Banker “Strongest
Bank Balance Sheet
in Pakistan”, 2013.
The announcement
came at a recognition ceremony during SIBOS in Dubai on
September 17, 2013.
The Asian Banker’s
“Strongest Bank Balance Sheets” is an
annual assessment
of the financial and
business performance of commercial banks in the Asia
Pacific region. The
ranking is widely followed by investors,
analysts and the media as the leading
source to assess the
financial strength of
commercial banks in
the region.
On achieving this coveted award, our MD &
CE affirmed: "By the
Grace of Almighty Allah, this Award was
only made possible by
the support of our valued customers and
dedicated staff. Customer service remains
our strongest strength
and this was built
purely due to the
selfless efforts put in
by our team. I take this
opportunity to congratulate all of you
who are the real winners of this recognition, and hope and
pray that we will use
this to grow our business, serve our customers even better and
take Bank AL Habib to
new heights."
Mr. Abbas D. Habib, MD &CE
Mr. Zafar Amin, GM International ,receiving the award from the Asian Banker
Team
Bank AL Habib Ltd
4
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On the Path to Growth: Branch openings in October

Citizen Colony Sub Branch, Hyderabad

Azam Basti Sub Branch, Karachi

Ancholi Society Sub Branch, Karachi
Citizen Colony Sub Branch, Hyderabad
Citizen Colony Sub Branch, Hyderabad
Ancholi Society Sub Branch, Karachi
Azam Basti Sub Branch, Karachi
Azam Basti Sub Branch, Karachi
Ancholi Society Sub Branch, Karachi
Bank AL Habib Ltd
5
AL Habibian
ARL achieves financial close for upgradation project
Attock Refinery Limited (ARL) has achieved financial close to part-finance its refining up-gradation project. A consortium of
banks led by Bank AL Habib Limited, Meezan Bank Limited, Faysal Bank Limited and Allied Bank Limited acted as Lead Advisors and Arrangers to raise Rs 22 billion for debt requirement of ARL Up-gradation Project.
The project comprises of Preflash unit, Naphtha Isomerization unit, Diesel Hydro Desulphurization (DHDS) unit and expansion of existing Captive Power Plant. The finances have been arranged through a combination of Conventional and Islamic
Finance structures. The tenor of finance facilities is 12 years including grace period of 2 years. The Letters of Credit for offshore supplies and services amounting in aggregate of $143 million have also been established.
Installation of Preflash unit will increase ARL's refining capacity by 10,400 barrel per day thus increasing the production of
vital middle distillates. Isomerization unit will enhance production of motor gasoline by 20,000 metric tons per month while
DHDS unit will enable ARL to produce Euro-II compliant low sulphur diesel. Speaking on the occasion, Adil Khattak, Chief
Executive Officer, ARL said that it is a historic day for ARL. This project would, prove to be of immense value not only for
ARL but also for the country. He appreciated the efforts of both ARL and consortium of bankers for concluding this financial
close and hoped that refinery up-gradation project would be completed within the agreed timeframe.
From L-R, Farukh Raza, CFO-Attock Gen, Asad Abbas, CFO-ARL, Adil
Khattak, CEO-ARL, & Mansoor A. Khan, Group Head
 Genius is one percent inspiration & ninety nine percent perspiration—Thomas Edison
 Success produces success, just as money produces
money—Sebastian Chamfort
 It takes 20 years to build a reputation, and 5 minutes
to destroy it. If you think about that, you will do
things differently—Warren Buffet
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Bank AL Habib Ltd
Management Trainees Passing Out Ceremony Photos– 2013
A colourful ceremony was held on October 23rd at the Pearl Continental Hotel
Karachi to commemorate the passing out
ceremony of the Management Trainees
appointed in 2013. The event was
attended by the senior management of
the Bank who gave out plaques to
acknowledge the achievement of the
participants.
4 Simple Customer Service Strategies for Positive Word-of-Mouth




Do Whatever You Can to Say Yes
Be Enthusiastic and Helpful
Go Above and Beyond Expectations
Be Personal and Build Relationships
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Bank AL Habib Ltd
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Management Trainees Passing Out Dinner Photos– 2013
A lavish dinner was hosted by the recently graduated Management Trainees on October 11, 2013 at the BAH Trainees hostel in
honour of Mr.Abbas D. Habib. The event was attended by the senior management who took the opportunity to freely interact
with the participants and share their vision and expectations from the new inductees.
Poet of the Nation: Allama Iqbal’s 136th Birth Anniversary on November 9th
Make the lamp of desire bright in the heart of the tulip!
Make every particle of the garden a martyr to search!
8
Bank AL Habib Ltd
AL Habibian
Developing our Resources: Trainings
Pakistan Economic News

Textile exports up 15.35pc in September 2013 to USD 1.27bln. FY exports
of all goods/services at USD 24.75bln and imports at USD 39.82bln

Pakistan FCY reserves down to USD 9.9 billion in September

Inflation stands at 7.4% in September, down from 8.5% in the previous
month

Overseas Pakistanis remitted USD 1.28bln in September compared to USD
1.24bln in August.
Bank AL Habib Ltd
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AL Habibian
Bank AL Habib launches AL Habib Apna Individual Current Account with
Free Life Insurance
Bank AL Habib has recently launched the AL Habib Apna Individual Current Account, specifically geared to meet the
needs of individuals and professionals. The Account offers
Free Life Insurance for its valued customers and there is no
requirement of minimum balance limit for opening and
maintaining the Account. AL Habib Apna Individual Current
Account also offers various free facilities to its customers
such as ATM Card, Online Banking, SMS Alerts, Pay Orders, E
-Statement and Internet Banking.
An extensive marketing campaign was initiated in October
encompassing TV, Press and Billboards etc to create awareness for the launch and apprise customers of the unique
features of the new product. The general response of the
public has been very favorable towards the campaign, especially the personalized element associated with the product.
5 Things Successful People do Differently
Seize the Moment to Act on Your Goals
Know Exactly How Far You Have Left to Go
Focus on Getting Better, Rather Than Being Good
Build Your Willpower Muscle
Focus on What You Will Do, Not What You Won’t Do
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Bank AL Habib Ltd
AL Habib Awards for Business Growth 2013-October Update
The latest update on the AL Habib Awards for Business Growth
paints an encouraging picture with 101 branches qualifying* for
the following award categories:

Cat I: All monthly targets met

Cat II: All quarterly targets met

Cat III: September target met
And the good news does not end here. Up to 185 remaining
branches are on the edge of success and can easily qualify if
concerted effort is put in. Not only that, there are also awards
for Area Managers, and an AL Habib conference celebrating the
top achievers!
So good luck & happy selling !
Najeeb Agrawalla
Mansoor A. Khan
GM-Retail
Group Head
*Qualification contingent on achieving 100% CASA target by De c.31, 13
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Bank AL Habib Ltd
AL Habibian
AL Habibian Needs your Contributions!
We encourage employees to provide items of interest for inclusion in the issues of “AL Habibian”
Reproductions or excerpts from previously published quotes and interesting
articles from newspapers and magazines will only be accepted if original
source is named. Contributions & Photographs should reach us at
alhabibian@bankalhabib.com by the 25th of the month on the listed email
address for possible inclusion in the next issue through the respective Zonal or
Divisional Heads.
Please note that we reserve the right to edit the contributions and will publish
news and items which in our opinion are current and of interest to all. While
we have taken all possible care, we regret any error or omission in this issue.
Infusion of new skills: Hirings (Sept-Oct. 2013)
Name
Tahir Aziz
Imtiaz Ahmad Sheikh
Zahid M. Chaudhry
Mirajuddin Aziz
Muhammad Umer Ansari
Auzair Ahmed
Jawad Chaudhry
Altaf Ahmed Shaikh
Malik Muhammad Fiaz
Muhammad Rashid Shaikh
Saad Khwaja Nizami
Haji Furqan
Idrees Ahmed
Designation
General Manager
Deputy General Manager
Deputy General Manager
Assistant General Manager
Chief Manager
Chief Manager
Chief Manager
Chief Manager
Senior Manager
Senior Manager
Senior Manager
Manager
Manager
Department
Credit Risk Review PO
Information Technology PO
HRD PO
Zonal Office (S&B)
Network Services- Retail PO
Area Office Multan-2
ADC PO
Commercial Credit
Area Office Muzaffargarh
IT Development PO
Network Services - Retail PO
IT Development PO
IT Development PO
Bank AL Habib wins Best Mid-Sized Bank Award by CFA
The 10th Annual Excellence Awards Ceremony
was held at the Marriot Hotel, Karachi on October 9, 2013 to acknowledge the outstanding
work done by the financial and corporate community during 2013.
The Excellence Awards were initiated by the
CFA Association of Pakistan seven years ago in
order to help raise the industry’s standards of performance. The initiative has earned CFAAP the “Innovation
Award” by the CFA Institute, and similar events are now
being conducted by other CFA societies worldwide. This is
the fourth consecutive year Bank Al Habib has won the
award for the Best bank in the mid sized category.
Mr.Qumail R. Habib, Executive Director-Bank AL Habib, receiving
the award from Dr. Ishrat Hussain.