HABIB BANK LIMITED TO BECOME PRESTIGIOUS PAKISTANI BANK AFTER MANAGMENET TRANSFER TO AKFED

Islamabad, February 26, 2004

The privatisation of Habib Bank Limited is a historic and the country's biggest strategic sale in the financial sector and we expect that the new buyer will improve the bank's network in central Asia, Europe and other parts of the world to turn the bank into a prestigious Pakistani Bank. Dr. Abdul Hafeez Shaikh stated this while addressing the ceremony held for the transfer of the management of Habib Bank Limited to Aga Khan Fund for Economic Development (AKFED) here today.

He said that the Government of Pakistan still held 49 % of the shareholding in the bank and the government would benefit from the future earnings from the bank as recently witnessed in case of 22.5 % dividend from United Bank Limited. It would also improve the overall banking and the financial sector of Pakistan, he hoped.

We had given protection to the employees and every organisation required more employees to expand their area of activity and to generate maximum profits and obviously the best performers would get raise in their emoluments and advanced training to improve their skills, he stated.

He further added that the upcoming transactions in the financial sector included Allied Bank Limited and National Investment Trust, while other major transactions to be privatised include Pakistan State Oil, Jamshoro Power Company, Faisalabad Electric Power Company, Pakarab Fertilizers Company and Capital market transactions of Pakistan Petroleum Limited, Pakistan International Airlines, Kot Adu Power Company and at a later stage the share offering of United Bank Limited.

While expressing his thanks to the President General Pervez Musharraf and the Prime Minister Mir Zafarullah Jamali, Dr. Abdul Hafeez Shaikh said that without such top level commitment the completion of such historic transaction could not have been possible and the most transparent process at all levels appreciated by everyone was also a matter of satisfaction and encouragement.

He said that the past 12 month were greater in the history of the country's privatisation, when we were able to accomplish transactions worth Rs.42 billion.

Addressing on this occasion Mr. Shaukat Aziz, Federal Minister for Finance said that the Privatisation Program was the pillar of the country's economic reforms and it was the policy of the government to put more assets for the private sector, which was a global phenomena. HBL was an Icon of our structural reforms and we were handing over a jewel of our national assets with a bit of heavy heart and now the greater responsibility lie with the new management. The government had launched a series of structural reforms, which had strengthen the institutions with independence and we were able to improve the environment for the banks to grow, he added.

Mr. Ahmad Waqar, Secretary Privatisation Commission said that the privatisation of HBL was the manifestation of the government's commitment to the continuity of the economic reforms agenda.

Later, Mr. Ahmad Waqar, Secretary Privatisation Commission and Mr. Sultan Allana, representative of Aga Khan Fund for Economic Development signed and exchanged the documents of the transfer of management agreement in the presence of Dr. Abdul Hafeez Shaikh, Federal Minister for Privatisation & Investment, Mr. Shaukat Aziz, Minister for Finance, Mr. Iain Cheyne, Director AKFED and the senior officers of Finance Division, State Bank of Pakistan and HBL.

On December 29, 2003, AKFED gave the highest bid of Rs. 22. 409 billion for acquiring 51 % Strategic stake and acquiring the management control in Habib Bank Limited (HBL), the country's first ever biggest transaction in the history of Pakistan's privatisation.

The State of Qatar Supreme Council for Economic Affairs Investment remained runner up with an offer of Rs. 21. 99375 billion while Central Insurance Company
Limited did not turn up for the bidding.

PC Board has given their nod for the highest bid while Cabinet Committee on Privatisation gave approval to the bid and declared AKRFD as successful bidder.

The pre-qualification committee, which included representatives of Privatisation Commission, Finance Division and the State Bank of Pakistan, had allowed three parties for pre-qualification for the bidding. The three parties included Agha Khan Fund for Economic Development, Central Insurance Company Limited and State of Qatar Supreme Council for Economic Affairs and Investment. All the key issues were resolved and the bidding process was 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"), 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.

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 25 offshore locations 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.