PRE BID CONFERENCE FOR PRIVATISATION OF HABIB BANK LIMITED (HBL) ON DECEMBER 22, 2003

Islamabad, December 20,2003

The Privatisation Commission is holding a pre-bid conference for the privatisation of Habib Bank Limited (HBL) among the prospective bidders on Monday December 22, 2003. Dr. Abdul Hafeez Shaikh, Federal Minister for Privatisation & Investment, will chair the pre-bid conference. The conference will respond to certain clarifications to be sought by the prospective investors for better understanding of the transaction and the bidding process.

Pakistan's Privatisation Commission ("PC") had received unprecedented interest from around the world by receiving 19 Expression of Interest (EOI) for the privatisation of Habib Bank Limited ("HBL"), by the intended sale of a minimum stake of 26% up to 51 % of its shareholding from reputed International and Pakistani parties (participating solely, or as part of a consortium) for entering the process towards acquiring the indicated shareholding in HBL for a better competition. The terms of a sale include the transfer of management control of HBL.

The remarkable and encouraging response resulted due to the personal interest and hectic efforts by Dr. Abdul Hafeez Shaikh, Federal Minister for Privatisation & Investment and his team, which had attracted an unprecedented number of EOIs for such a potentially large transaction. The investors who had expressed interest for HBL include parties from Canada, Europe, UK, USA, Saudi Arabia, UAE, Qatar and Yemen along with domestic
interest.

In the light of the fact that the Privatisation Commission is processing HBL transaction in-house without hiring the services of a Financial Advisor, the level of interest generated is highly commendable and is a testament to the efforts being undertaken to market Pakistan as an investment haven.

HBL is Pakistan's second largest commercial bank, having a countrywide and international branch network. HBL has full service licence covering commercial, retail banking, consumer and investment banking activities in Pakistan and most of the other countries where it is present.HBL has an extensive domestic network consisting of 1,425 branches with a market share of approx. 20%. HBL operates a large international network of 48 branches in 26 countries spread over Europe, the Middle East, Far East, Asia, Africa and
the United States. It operates three wholly owned subsidiaries namely Habib Bank Financial Services (PVT) LTD. Karachi, Habib Finance International LTD (Hong Kong) and Habib Finance Australia Ltd. - Sydney; 2 Joint Ventures namely Habib Nigeria Bank Ltd. (40%) and Himalayan Bank Ltd. (20%). In addition, the Bank owns 90.5% shares in Habib Allied International Bank Plc, a bank incorporated in the UK. HBL also has 2 representative offices in Iran and Egypt.

PC together with its appointed Advisors A.F. Ferguson & Co. and Legal Advisors Haidermota & Co. is in the process of the competitive bid, negotiation and sale process in accordance with the privatisation laws of Pakistan.

An extensive streamlining and restructuring programme has been implemented by HBL's management towards the preparation for the privatisation of the bank. HBL's privatisation represents an attractive investment opportunity for investors interested in leveraging HBL's extensive presence and market share.