Board of Directors 2. Directors' Report 3. Review Report to the Members 5. Balance Sheet 6. Profit and Loss Account 7
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1 CONTENTS Board of Directors 2 Directors' Report 3 Review Report to the Members 5 Balance Sheet 6 Profit and Loss Account 7 Statement of Changes in Equity 8 Cash Flow Statement 9 Notes to the Accounts 11 Branch Network 13 1
2 BOARD OF DIRECTORS Ali Raza D. Habib Chief Executive & Managing Director Abbas D. Habib Directors Faiz N. Abdulali Qumail R. Habib* Anwar Haji Karim Tariq Iqbal Khan Murtaza H. Habib Syed Mazhar Abbas Hasnain A. Habib Salman H. Habib *Denotes Executive Director Company Secretary Mahmood S. Allarakhia 2
3 DIRECTORS' REPOR On behalf of the Board of Directors, it is my pleasure to present the unaudited accounts of the Bank for the half year ended June 30, Al-Hamdolillah, Deposits as on June 30, 2003 increased to Rs Billion as compared to Rs Billion on December 31, 2002, whereas advances in the same period increased from Rs Billion to Rs Billion. Foreign Trade Business also improved during the half year in comparison with the same period of last year. Profitability of the Bank also substantially improved during the half year primarily due to growth in deposits, advances, fee based income and profit realized on sale of Government Securities. Falling lending rates, excess liquidity and repricing of Government Securities at lower rates gives a very challenging outlook for the remaining half of the year. To offset these pressures, the Bank shall continue to focus on increasing volumes, non-markup income and develop new avenues for deploymentof funds. Pakistan Credit Rating Agency (Pvt.) Limited (PACRA) has maintained the ratings which is AA for long term and A1+ for short term, denoting a very high credit quality, low expectation of credit risk and obligations supported by the highest capacity for timely repayments. On more branch was openedin the secondquarter of thecurrent yearincreasing the number of branches to 58. Further expansion in the branch network will Inshallah continue in the second half of the current year. In compliance with listing regulations in respect of transactions with related parties, the Board of Directors are pleased to state that: (i) (ii) thetransactions undertaken with related parties duringthe period endedon June 30, 2003 have been ratified by the Audit Committee and approved by the Board of Directors; the transactions during the period and the amounts stated in respect of related parties as on June 30, 2003 have been shown in Note No. 8 of the Notes to the Accounts; and 3
4 (iii) certificatein r espect o f transfer pricing as prescribed by thestock Exchange under the listing rules is enclosed. We are grateful to our customers for their support, to the State Bank of Pakistan for their continued guidance and to our foreign and local correspondent banksfor their valuable services. We also thankall our staff members for their sincere and dedicated services. On Behalf of the Board of Directors Karachi: August 28, ALI RAZA D. HABIB Certificate to the Members in respect of Transfer Pricing It is hereby certified that the Bank has: (i) (ii) (iii) (iv) recorded all transactions with related parties during the period ended on June 30, 2003 at arm's length price using Comparable Uncontrolled Price method, in the books of accounts of the Bank; duly filed with the Commission the periodic return in respect of related parties, which completely and fully disclosed all related parties for the quarter ended on June 30, 2003; and provided allthe aforesaid information,together with the minutesof the Board of Directors meeting(s) wherein the valuation policy and the related party transactions were approved and the decisions of the Audit Committee ratifying the related party transactions to the statutory auditors; and that the statutory auditors of the Bank have made no adverse remarks with regard to the above and the transfer pricing policy of the Bank in their review report tothe members on the financial statements for the period under review as the same is applicable for audit carried out annually. On Behalf of the Board of Directors Karachi: August 28, ALI RAZA D. HABIB 4
5 REVIEW REPORT TO THE MEMBERS We have reviewed the annexed balance sheet of Bank AL Habib Limited as at June 30, 2003 and the related profit and loss account, cash flow statement and statement of changes in equity together with the notes forming part thereof (here-inafter referred to as the "financial statements"), for the half-year then ended. These financial statements are the responsibility of the Bank's management. Our responsibility is to issue a report on these financial statements based on our review. The figuresof the profit and loss account for the quarters ended June 30, 2002 and June 30, 2003 have not been reviewed as we are required to review only the cumulative figures for the half year ended June 30, We conducted our review in accordance with the International Standard on Auditing applicable to review engagements. This Standard requires that we plan and perform the review to obtain moderate assurance as to whether the financial statements are free of material misstatement. A review is limited primarily to inquiries of Bank personnel and analytical procedures applied to financial data and thus provides less assurance than an audit. We have not performed an audit and, accordingly, we do not express an audit opinion. Based onour review, nothing has come to our attention that causes us to believe that the annexed financial statements are not presented fairly, in all material respect, in accordance with approved accounting standards as applicable in Pakistan. HYDER BHIMJI & CO. Chartered Accountants Karachi: August 28,
6 BALANCE SHEET AS AT JUNE 30, 2003 ASSETS 30-June 31-December (Rupees in '000) Cash and Balances with Treasury Banks 5,522,072 3,915,988 Balances with Other Banks 533, ,970 Lending to Financial Institutions 1,460, ,948 Investments 20,137,591 18,831,336 Advances-(net of provision) 29,769,819 23,775,283 Other Assets 1,101,652 1,014,538 Operating Fixed Assets 709, ,066 LIABILITIES 59,235,135 49,437,129 Bills Payable 1,023, ,776 Borrowings from Financial Institutions 11,899,345 10,410,362 Deposits and Other Accounts 42,146,544 34,240,158 Other Liabilities 415, ,939 Deferred Tax Liability 651, ,207 56,135,926 46,845,442 Net Assets 3,099,209 2,591,687 REPRESENTED BY : Share Capital 1,082, ,625 Reserve for issue of Bonus Shares ,406 Reserve Fund and Other Reserves 723, ,500 Unappropriated Profit 380,435 16,330 Shareholders' Equity 2,185,966 1,821,861 Surplus on Revaluation of Securities 913, ,826 3,099,209 2,591,687 CONTINGENCIES AND COMMITMENTS Note 7 The annexed notes form an integral part of these accounts. ALI RAZA D. HABIB ABBAS D. HABIB Chief Executive and Managing Director 6
7 PROFIT AND LOSS ACCOUNT FOR THE HALF YEAR ENDED JUNE 30, 2003 For the quarter ended For the half year ended Note June 30, June 30, June 30, June 30, (Rupees in '000) Mark-up / Return / Interest Earned 4 831, ,288 1,568,701 1,356,329 Mark-up / Return / Interest Expensed (317,838) (533,262) (738,672) (1,003,503) Net Mark-up / Interest Income 513, , , ,826 Provision against non-performing loans and advances (33,005) (2,715) (51,488) (2,715) Net Mark-up / Interest Income after provisions 480, , , ,111 NON-MARK-UP / INTEREST INCOME Fees, Commission and Brokerage Income 91,350 52, ,923 89,371 Dividend Income 7, ,861 4,905 Income from dealing in foreign currencies 84,834 71, , ,636 Other Income 64,992 14,481 73,626 25,380 Total Non-mark-up / Interest Income 248, , , ,292 NON-MARK-UP / INTEREST EXPENSES 728, ,073 1,128, ,403 Administrative Expenses 256, , , ,564 Other Assets written off , (256,200) (171,741) (479,505) (333,564) PROFIT BEFORE TAXATION 472, , , ,839 Taxation (202,400) (56,000) (285,000) (133,500) PROFIT AFTER TAXATION 270,029 70, , ,339 Unappropriated Profit brought forward 16,330 1,010 16,330 1,010 Unappropriated Profit carried forward 286,359 71, , ,349 Net Earnings per share-basic and Diluted Rs Re Rs Rs The annexed notes form an integral part of these accounts. ALI RAZA D. HABIB ABBAS D. HABIB Chief Executive and Managing Director 7
8 STATEMENT OF CHANGES IN EQUITY FOR THE HALF YEAR ENDED JUNE 30, 2003 Paid-up Reserve Statutory Special General Unapp- Total Capital for issue Reserve Reserve Reserve ropriated June June of Bonus Profit Shares b/f (Rupees in '000) Balance as on December , , , , ,000 16,330 1,821,861 1,532,135 Profit for the Half year ended June , , ,339 Bonus shares issued 216,406 (216,406) Balance as on June 30 1,082, , , , ,435 2,185,966 1,665,474 The annexed notes form an integral part of these accounts. ALI RAZA D. HABIB ABBAS D. HABIB Chief Executive and Managing Director 8
9 Cash Flow From Operating Activities CASH FLOW STATEMENT FOR THE Profit before Taxation 649, ,839 Less : Dividend Income (9,861) (4,905) Add : 30-June 30-June (Rupees in '000) 639, ,934 Adjustment for Non-Cash Items: Depreciation 30,879 22,084 Amortization 3,089 1,719 Provision Against Advances 51,488 2,715 (Gain) on Disposal of Fixed Assets (2,050) (972) Other Assets Written off 5, ,861 25, , ,480 (Increase) / Decrease in Operating Assets: Lendings to financial institutions (613,000) 55,311 Advances (6,046,025) (3,384,921) Other Assets (Excluding Advance Tax) (110,787) 56,422 (6,769,812) (3,273,188) Increase / (Decrease) in Operating Liabilities: Bills Payable 43, ,323 Borrowings from financial institutions 1,488,983 4,597,359 Deposits and Other Accounts 7,906,386 3,730,122 Other Liabilities (excluding provision for taxation) (140,942) (3,426) 9,297,775 8,424,378 Cash Inflow Before Tax 3,256,068 5,438,670 Income Tax paid (275,468) (232,391) Net Cash Inflow from Operating Activities (balance carried forward) 2,980,600 5,206,279 ALI RAZA D. HABIB 9
10 HALF YEAR ENDED JUNE 30, June 2003 Net Cash Inflow from Operating Activities (balance brought forward) 2,980,600 5,206,279 Cash Flow From Investing Activities Net Investment in available-for-sale Securities (1,168,905) (5,204,878) Dividend Income 18,497 8,505 Investments in operating fixed assets (101,749) (104,847) Sale Proceeds of vehicle and equipment disposed-off 2,189 1,075 Net Cash (Outflow) from investing activities (1,249,968) (5,300,145) Cash Flow From Financing Activities 30-June 2002 (Rupees in '000) Dividend paid (1,225) (33,515) Net Cash (Outflow) from financing activities (1,225) (33,515) Increase / (Decrease) in Cash and Cash Equivalents for the Half Year 1,729,407 (127,381) Cash and Cash Equivalents at the Beginning of the Year 4,325,958 4,778,380 Cash and Cash Equivalents atthe end of the Half Year 6,055,365 4,650,999 Cash and Cash Equivalents Cash and Balances with Treasury Banks 5,522,072 3,465,688 Balances with Other Banks 533,293 1,185,311 6,055,365 4,650,999 The annexed notes form an integral part of these accounts. ABBAS D. HABIB Chief Executive and Managing Director 10
11 NOTES TO THE ACCOUNTS 1. STATUS AND NATURE OF BUSINESS company and is principally engaged in the business of commercial banking. 2. SIGNIFICANT ACCOUNTING POLICIES certain investments which are stated at fair value. comparison. Accounting Standard No. 34 "Interim Financial Reporting" MARK-UP / RETURN / INTEREST EARNED 5. OTHER ASSETS WRITTEN OFF it is not recoverable as per notification of the Central Board of Revenue. 6. OPERATING FIXED ASSETS the half year June 30, Additions Deletions (Rs. in '000) Building 48, Equipment and furniture and fixture 10,015 1,228 Vehicles Capital Work in Progress 42, Intangible Assets-Computer Software ,749 1,578 11
12 7. CONTINGENCIES AND COMMITMENTS 30-June 31-December (Rupees in '000) Direct Credit Substitutes Acceptances 1,402,439 1,372,920 Transaction-related Contingent Liabilities Government 1,683,494 1,279,346 Financial Institutions 53,566 36,420 Others 328, ,572 2,065,111 1,844,338 Trade-related Contingent Liabilities 6,245,215 5,060,178 Commitments in respect of Forward Exchange Contracts Purchase 4,174,434 3,571,896 Sale 6,177,169 6,298,645 Commitments in respect of Operating Leases Not later than one year 66, ,569 Later than one year and not later than five years 254, ,392 The Bank has entered into operating lease arrangements whereby equipment and vehicles are acquired on lease. The lease rentals are payable over a period of 36 months. 320, ,961 Commitments for the acquisition of operating fixed assets 50,737 67, RELATED PARTY TRANSACTIONS Advances given during the half year 259, ,759 Advances repaid during the half year 271,218 15,667 Advances 279, ,676 Deposits 257, ,065 Mark-up / Interest expensed 6,685 12,095 Mark-up / Interest / Bank charges earned 13,554 10,387 Commitments and contingent liabilities for irrevocable commitments and contingencies 11,689 12,677 Insurance premium paid 25,606 16,422 Insurance claims received 1, Dividend income on investment 00 2,505 Dividend paid DATE OF AUTHORIZATION These financial statements were authorized for issue on August 28, 2003 by the Board of Directors of the Bank. ALI RAZA D. HABIB ABBAS D. HABIB Chief Executive and Managing Director 12
13 BRANCH NETWORK KARACHI 1. MAIN BRANCH Mackinnons Building, I.I. Chundrigar Road. Phones: (92-21) & Fax: (92-21) & Telex: ALHAB PK 8. CLOTH MARKET BRANCH Ground Floor, Lotus Manzil, BR-2, New Neham Road, Cloth Market. Phone: (92-21) Fax: (92-21) GULISTAN-E-JAUHAR BRANCH Shahlimar Shopping Centre, Block-17, Gulistan-e-Jauhar. Phone : (92-21) , Fax: (92-21) SHAHRAH-E-FAISAL BRANCH 19-1-A, Block 6, P.E.C.H.S., Shahrah-e-Faisal. Phones: (92-21) Fax: (92-21) KARACHI STOCK EXCHANGE BRANCH Room No. 4-6, Stock Exchange Building, Stock Exchange Road. Phones: (92-21) Fax: (92-21) KORANGI ROAD BRANCH Speedy Towers Plot No. 131/1 Phase-I Defence Housing Authority. Phone : (92-21) Fax : (92-21) GULSHAN-E-IQBAL BRANCH B-39, Al-Shams Centre, Block 13-A, University Road, Gulshan-e-Iqbal. Phones: (92-21) Fax: (92-21) JODIA BAZAR BRANCH Rambharti Street, Jodia Bazar. Phones : (92-21) Fax : (92-21) BARKAT-E-HYDARI BRANCH Al-Burhan Arcade, Block-E,North Nazimabad. Phones : (92-21) , Fax : (92-21) ZAMZAMA BRANCH 16-C, Commercial Lane 3, Phase V, Zamzama Boulevard, Defence Housing Authority. Phones : (92-21) , Fax : (92-21) NAPIER ROAD BRANCH 2-A, Ground Floor, Yousufi Manzil, North Napier Road. Phones : (92-21) , & Fax : (92-21) TIMBER MARKET BRANCH Plot No. E-III-2, S-34, Siddiq Wahab Road. Phones : (92-21) Fax : (92-21) S.I.T.E. BRANCH B/76, S. S. Chambers, S.I.T.E., Phones : (92-21) & Fax : (92-21) BAHADURABAD BRANCH Central Commercial Area, B.C.H.S., Bahadurabad. Phones : (92-21) Fax : (92-21) CLIFTON BRANCH Shaheen Centre, Block-7, K.D.A. Scheme No. 5, Clifton. Phones: (92-21) Fax : (92-21) FEDERAL 'B' AREA BRANCH ST. 4/A-2, Block-20, Al-Noor Society, F.B. Area. Phones : (92-21) , & Fax : (92-21) NORTH KARACHI INDUSTRIAL AREA BR. Nimra Corner, ST-3, Sector 12-A, North Karachi. Phones : (92-21) Fax : (92-21) GULSHAN CHOWRANGI BRANCH Plot No. FL-3, Block No. 3, KDA Scheme No. 24, Gulshan-e-Iqbal. Phones : (92-21) Fax : (92-21) M.A. JINNAH ROAD BRANCH Godrej Kandawalla Building, M.A. Jinnah Road. Phones : (92-21) , Fax : (92-21) NEW CHALLI BRANCH Haji Adam Chambers, Altaf Hussain Road. Phones : (92-21) , & Fax : (92-21) KHYABAN-E-SHAMSHER BRANCH Plot No. 2-C, Stadium Lane No. 4, Phase V, Defence Housing Authority. Phones : (92-21) Fax : (92-21) Principal Office Mackinnons Building,I. I. Chundrigar Road, Karachi. Phones: (92-21) , & Fax: (92-21) Telex: ALHAB PK SWIFT CODE : BAHLPKKA website : 13
14 BRANCH NETWORK KARACHI (Contd). 22. ALLAMA IQBAL ROAD BRANCH 86-S, Block-2, Raja Terrace, P.E.C.H.S., Phones : (92-21) Fax : (92-21) LEA MARKET BRANCH Shop No. 1, Plot No. N.P 6/30-31, Zulikha Mansion, Napier Town Quarters. Phones : (92-21) Fax: (92-21) MUHAMMAD ALI HOUSING SOCIETY BR. Block No. 7 & 8 Kathiawar Co-Operative Housing Society Ltd., Adamjee Nagar. Phones : (92-21) Fax: (92-21) LAHORE 1. MAIN BRANCH 87, Shahrah-e-Quaid-e-Azam. Phones: (92-42) & Fax: (92-42) & Telex: BAHLR PK 2. GARDEN TOWN BRANCH Awami Complex, 1-4 Usman Block, Front Block V, New Garden Town. Phones: (92-42) Fax: (92-42) GULBERG BRANCH 3-E, Block E, Ground Floor, Main Market, Gulberg II. Phones: (92-42) & Fax : (92-42) DEFENCE BRANCH 82-Y Commercial, Phase III Defence Housing Society. Phone : (92-42) Fax : (92-42) AZAM CLOTH MARKET BRANCH 1-Kamla Centre, Ittehad Bazar, Punjab Block, Azam Cloth Market. Phones : (92-42) Fax : (92-42) NEW ANARKALI BRANCH 1-A, New Anarkali, First Floor, Tariq Trade Centre, Chowk Lohari Gate. Phones : (92-42) Fax : (92-42) PAKISTAN CHOWK BRANCH Shop No. 1, Chandna Manzil, Kutchery Road, Karachi. Phones : (92-21) Fax : (92-21) SHAHALAM MARKET BRANCH Hilal-e-Ahmar Health Complex 2, Queens Road, Shahalam Gate. Phones : (92-42) & Fax : (92-42) MULTAN 1. MAIN BRANCH 126-C, Old Bahawalpur Road. Phones: (92-61) & Fax: (92-61) Telex: ALHML PK 26. NEW SABZI MANDI BRANCH Plot NO. 6, Administration Block, New Sabzi Mandi Super Highway. Phone : (92-21) Fax : (92-21) PECO ROAD BRANCH , Block-D, Maulana Shaukat Ali Road, Faisal Town. Phones : (92-42) & Fax : (92-42) HUSSAIN AGAHI ROAD BRANCH Lohari Gate Shopping Centre, Hussain Agahi Road. Phones: (92-61) & Fax: (92-61) WATER PUMP BRANCH C-21, Block-13, Federal "B" Area, Shahrah-e-Pakistan. Phones : (92-21) , Fax : (92-21) CIRCULAR ROAD BRANCH 51, S.E. Vohra Building, Outside Akbari Gate, Circular Road. Phones : (92-42) Fax : (92-42) GHALLA MANDI BRANCH 135/C, Ghalla Mandi, Vehari Road. Phones: (92-61) Fax: (92-61) FATIMA JINNAH COLONY BRANCH 6, Ruby Appartments, Jamshed Quarters, New M.A. Jinnah Road. Phones : (92-21) & Fax : (92-21) ICCHRA BRANCH 144, Main Ferozepur Road, Icchra. Phones : (92-42) Fax : (92-42) FAISALABAD Bank Square, Outside Kutchery Bazar. Phones: (92-41) & Fax: (92-41) Telex: ALHAB PK 14
15 BRANCH NETWORK SIALKOT Paris Road. Phones: (92-432) & Fax: (92-432) Telex: ALHAB PK GUJRAT Ground Floor, Soufi Hotel, G.T. Road. Phones: (92-433) & Fax : (92-433) SHEIKHUPURA B-IX-64-95/A, Sarghoda Road, Near Sharif Plaza. Phones: ( ) & Fax: ( ) SAHIWAL 271, Block-2, High Street (Jinnah Road). Phones: (92-441) & Fax: (92-441) SADIQABAD Plot No. 24, Allama Iqbal Road, Sadiqabad. Phones : ( ) Fax : ( ) RAHIM YAR KHAN Shahi Road. Phones: ( ) & Fax: ( ) D.G. KHAN 83-Block-10, New College Road, Dera Ghazi Khan. Phones : (0641) Fax : (0641) DINGA (DISTT. GUJRAT) Opp. Civil Hospital. Phone: ( ) Fax: ( ) PESHAWAR , F.C. Trust Building, Sonehri Masjid Road. Phones : (92-91) & Fax: (92-91) QUETTA Mannan Chowk, M.A. Jinnah Road. Phones: (92-81) & Fax: (92-81) MIRPUR (AZAD KASHMIR) 82-A/B, Allama Iqbal Road, Sector B-4. Phone: ( ) Fax: ( ) ISLAMABAD 1. MAIN BRANCH 90-91, Razia Sharif Plaza, Jinnah Avenue, Blue Area. Phones: (92-51) & Fax: (92-51) Telex: BAHID PK 2. F-10 MARKAZ BRANCH F-10 Markaz, Islamabad. Phone: (92-51) Fax : ( 92-51) RAWALPINDI 1. CANTT BRANCH 40/3, Jhanzeb Centre, Bank Road, Rawalpindi Cantt. Phones: (92-51) Fax: (92-51) CITY BRANCH C/30, C/32, Iqbal Road, Trunk Bazar, Rawalpindi City. Phone : (92-51) Fax : (92-51) HYDERABAD 1. MAIN BRANCH Qasre Fatima, 90/1-2 Saddar Bazar, Cantonment Area. Phones : (92-221) & Fax : (92-221) QASIMABAD BRANCH Suhrio House, Ground Floor, Main Shahrah-e-Qasimabad, Hyderabad. Phones : (92-221) Fax : (92-221) NAWABSHAH Masjid Road. Phones: (92-241) & Fax: (92-241) SUKKUR B-2555, Shaheed Gunj. Phones : (92-71) & Fax : (92-71) Registered Office and Head Office 126-C, Old Bahawalpur Road, Multan. Phones: (92-61) , & Fax: (92-61) Telex: ALHML PK 15
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