BIDDING FOR PRIVATISATION OF HABIB BANK LIMITED (HBL) ON DECEMBER 29-THREE BIDDERS PRE-QUALIFIED
Islamabad, December 22,2003

The bidding for the privatisation of Habib Bank Limited (HBL) being held on December 29, 2003 has marked the threshold reached through the hard work by all stakeholders. Dr. Abdul Hafeez Shaikh, Federal Minister for Privatisation & Investment stated this while addressing the pre-bid conference held here today for the privatisation of HBL, which responded to certain clarifications sought by the prospective investors for better understanding of the transaction and the bidding process.

Dr. Hafeez Shaikh informed that the pre-qualification committee, which included representatives of various ministries including Finance and the State Bank of Pakistan had pre-qualified three parties for the bidding.

These parties include Agha Khan Fund for Development, Central Insurance Company Limited and State of Qatar Supreme Council for Economic Affairs and Investment. All the key issues had been resolved and the bidding process had been made known to the potential pre-qualified bidders, he added.

Later, the Minister handed over the pre-qualification letters to the representatives of the three parties, which have completed their due diligence in the data room.

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.