Business

TREASURY SERVICE

HABIBMETRO is a premier provider of Treasury services. Our team remains committed in providing our clients with an exquisite level of access to the financial markets of Pakistan. Being one of the largest banks in terms of trade business of the country, we engage with our customers in traditional areas of foreign exchange along with the fixed-income markets while also providing more customized solutions of currency hedging, yield enhancement and specialized investment management services.

TREASURY MARKETING UNIT 

Treasury Marketing Unit is the solution center for all our client needs. With changing market dynamics and evolving customer needs, TMU bespoke solutions to our corporate as well as retail clients. Furthermore, TMU personnel work with clients in devising hedging solutions for FX positions while minimizing risks.

Following are key FX Products that are offered:

• Spot/Ready
  The “Spot” market is where currencies are bought and sold in the same value date using the live FX market.
• Forwards (Import and Export)
  A currency forward is a hedging solution offered to our trade clients to hedge their foreign exchange exposure. It is a binding contract in the market that locks the exchange rate for the purchase or sale of a currency at a future date.
• Foreign Bill Discounting
  This is a financing option provided to exporters that are looking to fund their working capital requirements. The transaction is an advance or a loan against the customer’s export receivables. Export proceeds received against the discounted bill are used to settle the outstanding foreign exchange bill.
• EFS Discounting
  This is a financing option provided to exporters that are looking to fund their working capital requirements. The transaction is an advance or a loan against a customer’s export receivables. The export proceeds received against the discounted bill are used to settle the outstanding foreign bill. The SBP facilitates banks to provide this facility at subsidized rates.
  • Foreign Exchange Loan – Export
    The bank extends a credit facility to its exporters denominated in a foreign currency to facilitate the customer’s financing requirements.
  • Foreign Exchange Loan – Import
    The bank extends a credit window to importers in foreign currency to meet their obligation to retire the Letter of Credit (LC) or an Import Contract as and when due.

Investment Portfolio Securities (IPS)

HABIBMETRO acts as a bridge between its clients and the fixed-income market. We offer seamless services to our diverse clientele for Investor’s Portfolio Securities (IPS) account and cater to customer investment needs through risk-free government securities at competitive rates. HABIBMETRO Money Market team keeps customers updated with the changing market trends enabling customers to make prudent investment decisions.

Annex A – IPS Account Form
Annex B – IPS Account – Purchase & Sales of Securities
Annex C – NCB Letter
Annex D – IPS Account – Transfer of Securities
Guidelines for Investment in Govt. Securities

Government Securities Rate

Market Insight

Our Teams are abreast with trends in the local and foreign markets and guide the clients regarding ongoing and upcoming market developments and remain closely aligned with the customers.