ALL SET FOR BIDDING FOR PRIVATISATION OF HABIB BANK LIMITED (HBL) ON MONDAY-DECEMBER 29, 2003

Islamabad, December 27, 2003

All arrangements have been finalised to hold bidding for the privatisation of Habib Bank Limited (HBL) on MONDAY December 29, 2003, to be supervised by Dr. Abdul Hafeez Shaikh, Federal Minister for Privatisation & Investment who is also Chairman of the Privatisation Commission.

The CCOP on Friday approved the transaction structure and procedure for the privatisation of Habib Bank Limited ("HBL"), for the intended sale of a minimum stake of 26% (going up to 51 % of GoP shareholding) for acquiring the management control of the Bank by the prospective pre-qualified bidders. The open bidding for HBL is being held at Islamabad in PC auditorium at 3 p.m., which will be witnessed by the representatives of the print and electronic media.

The pre-qualification committee, which included representatives of various ministries including Finance and the State Bank of Pakistan has 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 have been resolved and the bidding process had been made known to the potential pre-qualified bidders.

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 has processed 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.