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The purpose of this disclosure statement is to provide customers and potential customers

with a summary of important information relating to the financial condition of your bank.

_ The explanation of the terms used in the Key Disclosure Statement is explained in the

Reserve Bank publication "Your Bank's Disclosure Statement : What's In It For You",

which can be obtained from the Reserve Bank of Fiji. Other information can be viewed at

the bank's branches and offices.

_ The full name of the bank is Habib Bank Limited - Fiji Branch

_ The full name of the ultimate parent bank of the Habib Bank Limited - Fiji Branch is

Habib Bank Limited, which is domiciled in Karachi,Pakistan.

Audited Audited

Current Year Prior Period

Profitability

Banking Operations in Fiji:

_ Net operating profit after tax and extraordinary items ($'000) 468 901

_ As a percentage of average total assets 1.07% 2.69%

Size _ as at end of financial yearBanking Operations in Fiji:

_ Total assets ($'000) $47,562 $39,997

_ The percentage change in total assets over 12 months 18.91% 48.01%

Capital Adequacy _ as at end of financial year

Banking Operations in Fiji:

_ Tier 1 Capital ($'000) 1,495 2,170

_ Tier 1 Capital to total risk-weighted assets ratio 5.58% 8.63%

_ Total Capital ($'000) 1,701 2,301

_ Capital adequacy ratio 6.35% 9.15%

Introductory Statement

Corporate Information

SUMMARY KEY DISCLOSURE STATEMENT

for the financial year ended 31 December 2000

Habib Bank Limited

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Audited Audited

Current Year Prior Period

The Balance Sheet for the Fiji Operations as prepared under FAS30 should be ($'000) ($'000)

reported here and should include, but should not be limited to, the following:

Cash and liquid assets 549 587

Balance with the Reserve Bank of Fiji 3,706 7,450

Receivables due from other financial institutions 717 329

Securities held 10,199 705

Loans (including advances to customers and similar facilities) 28,767 25,976Provision for doubtful debts (2,323) (1,103)

Fixed assets 114 116

Other Assets 5,833 5,937

Total Assets 47,562 39,997

Deposits of Promissory Notes of statutory bodies - -

Payables due to other financial institutions 37 -

Deposits and borrowings 10,604 16,089

Amounts owed to other depositors - -

Certificates of deposits 28,981 14,493

Promissory Notes and other liabilities evidenced by paper - -

Other borrowed funds - -

Creditors and other payables 1,162 1,619

Provision for annual leave 56 47

Provision for income tax 628 613

Other liabilities 3,608 4,468

Issued and paid up or assigned capital 1,750 1,750

Capital reserves - -

Revaluation reserves - -

Other reserves - -

Retained earnings 736 918

The Income Statement for the Fiji Operations as prepared under FAS30 should be ($'000) ($'000)

reported here and should include, but should not be limited to, the following:

Interest and similar income 3,151 2,474

Interest and similar expense (1,158) (712)

Dividend income

Fee and commission revenue 486 427Fee and commission expense

Other revenues arising from financial instruments

Gains less losses arising from dealing securities

Other expenses arising from financial instruments

Gains less losses arising from investment securities

Gains less losses arising from dealing in foreign currencies 571 605

Other operating revenue

Bad and doubtful debts (including provisions for impairment) (1,219) (792)

Recoveries of bad and doubtful debts

General administration expense

Other operating expense (974) (793)

Net profit or loss before tax and extraordinary items 857 1,209

Net profit or loss after tax and extraordinary items 468 901

Additional information on your bank's financial condition is available for inspection at our branch

at 98 Renwick Road, Suva.

Habib Bank Limited most - Fiji Branch's most recent General Disclosure Statement is available for

inspection at our branch, copies of which maybe obtained.

Habib Bank Limited - Fiji Branch most recent global balance sheet and profit and

loss statements and other publicly available disclosure statements are available for inspection at

all our branches and offices.

Senior Vice President and Chief Manager

Availability of Disclosure Statements

Assistant Vice President

Balance Sheet

Income Statement