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-User: who is the cto as of 2025 at hbl?
-Intent: HBL_RELATED
-================================================================================
-
-Rank: 1
-Score: 0.58525413
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-IN EQUITY
-FOR THE YEAR ENDED DECEMBER 31, 2025
-Muhammad Nassir Salim
-President and 
-Chief Executive Officer
-Irfan Ahmed Meer
-Chief Financial Officer
-Moez Ahamed Jamal
-Director
-Khaleel Ahmed
-Director
-Dr. Najeeb Samie
-Director
-312 / HBL Annual Report 2025
-
-Rank: 2
-Score: 0.57354444
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/2ee7b42d603316024bca6c71e4f7a064.pdf
-Date:  None
-
-Corporate Briefing Session 2025 
- 
- 
- 
-Agenda 
-• Opening Remarks by the CEO 
-• Bank’s Financial Performance for 9M’25 and Future Outlook 
-• Q&A Session 
-Speakers 
-Mr. Muhammad Nassir Salim – President & CEO, HBL 
-Mr. Irfan Ahmed Meer – Chief Financial Officer, HBL 
-Mr. Uzman Naveed Chaudhary – Compa
-
-Rank: 3
-Score: 0.57125443
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/560d9019ef2740d46239095e8ed67f5c.pdf
-Date:  None
-
-Corporate Information
-Board of Directors
-Mr. Sultan Ali Allana
-Chairman
-Mr. Shaffiq Dharamshi
-Director
-Mr. Moez Ahamed Jamal
-Director
-Mr. Salim Raza
-Director
-Dr. Najeeb Samie
-Director
-Mr. Khaleel Ahmed
-Director
-Ms. Saba Kamal
-Director 
-Mr. Muhammad Aurangzeb
-President & CEO
-Chief Operating Officer
-M
-
-Rank: 4
-Score: 0.5702803
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-year 2025, management considers that the Bank’s existing system of internal controls, including ICFR, is adequate 
-and has been effectively implemented and monitored. To augment the overall control environment, the management 
-continues to identify areas for process and control improvement.
-The Boar
-
-Rank: 5
-Score: 0.5596638
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-(US $ in '000)
-Muhammad Nassir Salim
-President and 
-Chief Executive Officer
-Irfan Ahmed Meer
-Chief Financial Officer
-Moez Ahamed Jamal
-Director
-Khaleel Ahmed
-Director
-Dr. Najeeb Samie
-Director
-CONSOLIDATED STATEMENT OF 
-FINANCIAL POSITION
-AS AT DECEMBER 31, 2025
-HBL Annual Report 2025 / 73
-
-Rank: 6
-Score: 0.5534201
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-President & CEO in March 2024. 
-He is a seasoned banker with 37 
-years of banking experience in 
-USA, Middle East and Pakistan. 
-He has been associated with HBL 
-since 2017 and served on the 
-positions of Chief Operating 
-Officer, Head Branch & Islamic 
-Banking and Head Global 
-Operations. He has an 
-
-Rank: 7
-Score: 0.55065745
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/21e0ddea1ff99d894c0fc11958ea744d.pdf
-Date:  None
-
-Board of Directors
-Mr. Sultan Ali Allana
-Chairman
-Mr. Moez Ahamed Jamal
-Director
-Dr. Najeeb Samie
-Director
-Mr. Shaffiq Dharamshi
-Director 
-16
-HBL Annual Report | 2023
-
-Mr. Salim Raza
-Director
-Mr. Khaleel Ahmed
-Director
-Mr. Muhammad Aurangzeb
-President & CEO 
-Ms. Saba Kamal
-Director
-17
-HBL Annual Rep
-
-Rank: 8
-Score: 0.54799086
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/ca6730d958a493281318b169d73391b4.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT
-SEPTEMBER 30, 2023
-12
-CONDENSED INTERIM CONSOLIDATED
-PROFIT AND LOSS ACCOUNT (UNAUDITED)
-FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2023
-Muhammad Aurangzeb
-President and
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Dr. Najeeb Samie
-Director
-Khaleel Ahmed
-Director
-
-Rank: 9
-Score: 0.5451956
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-President / 
-CEO 
- Key 
-Management 
-Personnel 
- Other Material 
-Risk Takers/ 
-Controllers 
- President / 
-CEO 
- Key 
-Management 
-Personnel 
- Other Material 
-Risk Takers/ 
-Controllers 
-Items
-2025
----------------------------------------------- (Rupees in '000) ------------------------------------------
-
-Rank: 10
-Score: 0.54514015
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-CHAIRMAN’S MESSAGE
-22 / HBL Annual Report 2025
-2025 was a year of momentum. Profit before tax reached a record Rs 148.1 billion, with earnings per 
-share rising to Rs 45.48. In a softening interest rate environment, our strategic emphasis remained 
-on deposit mobilisation, resulting in a 27% growth 
-
-Rank: 11
-Score: 0.5431563
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-MANAGEMENT
-Muhammad Nassir Salim
-President & CEO
-Aamir Irshad
-Head Corporate, Commercial & Investment Banking
-Aamir Kureshi
-Head Products & Payments
-Abrar A. Mir
-Chief Information & Transformation Officer
-Armughan Ahmed Kausar
-Head Konnect & Mass Segment
-Faisal Lalani
-Head Financial Institutions
-Farh
-
-Rank: 12
-Score: 0.54248834
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/ca6730d958a493281318b169d73391b4.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT
-SEPTEMBER 30, 2023
-15
-CONDENSED INTERIM CONSOLIDATED 
-CASH FLOW STATEMENT (UNAUDITED)
-FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2023
-Muhammad Aurangzeb
-President and
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Dr. Najeeb Samie
-Director
-Khaleel Ahmed
-Director
-Mo
-
-Rank: 13
-Score: 0.5417463
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/eb92db35c69f93a0b3f705ddb45aca56.pdf
-Date:  None
-
-HBL ANNUAL REPORT 2022
-368
-Particulars
-Shareholders
- Shares Held 
- Percentage 
-Shareholders holding five percent or more voting rights
-AGA KHAN FUND FOR ECONOMIC DEVELOPMENT
- 1 
- 748,094,778 
- 51.00 
-CDC GROUP PLC
- 1 
- 73,342,000 
- 4.99 
-Directors, Chief Executive officer, and their spouse and minor
-
-Rank: 14
-Score: 0.5415031
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-The Company successfully deployed a robust ERP system, creating a unified technological backbone for expanding its operations. To 
-elevate quality assurance standards, HZSL established state-of-the-art, ISO-compatible crop testing laboratories at every procurement 
-location. 
-Building the Nation
-HBL
-
-Rank: 15
-Score: 0.54143035
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/eb92db35c69f93a0b3f705ddb45aca56.pdf
-Date:  None
-
-ranging from the Bank’s Executive Committee to the junior-most front-line leader will be trained and developed in line with 
-HBL’s Leadership DNA. In 2022, this program was initiated for the Executive Committee and the General Managers of the 
-Bank; for the remaining employees, it will be launched i
-
-Rank: 16
-Score: 0.54120266
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/5c22658aee8ebc1e62cf3cc0b56abef9.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT 
-MARCH 31, 2023
-52
-Muhammad Aurangzeb
-President and 
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Saba Kamal
-Director
-Salim Raza
-Director
-Dr. Najeeb Samie
-Director
-January 01 to
-January 01 to
-Note
-March 31,
-March 31,
-2023
-2022
-Mark-up / return / profit / inter
-
-Rank: 17
-Score: 0.54096496
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/ca6730d958a493281318b169d73391b4.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT
-SEPTEMBER 30, 2023
-13
-CONDENSED INTERIM CONSOLIDATED STATEMENT 
-OF COMPREHENSIVE INCOME (UNADUITED)
-FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2023
-Muhammad Aurangzeb
-President and
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Dr. Najeeb Samie
-Director
-Khaleel Ahm
-
-Rank: 18
-Score: 0.5400005
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/e905e5f8f872ed5618815a5be8f18786.pdf
-Date:  None
-
-counsel of Mr. Zahid. On March 27, 2018, the remaining six retiring Directors were elected to a new three-year term on the 
-Board of HBL.
-Ms. Sadia Khan was elected as a Director on March 27, 2018. Ms. Khan has extensive domestic and international 
-experience, having served with multilateral organiz
-
-Rank: 19
-Score: 0.5385639
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b1b588933f6204f2201fd608451a250f.pdf
-Date:  None
-
-Surplus / (deficit) on 
-revaluation of
-Statutory
-Subsidiary 
-(note 
-21.5.2)
-Bank
-(note 21.5.1)
-Capital
-Exchange 
-translation 
-(note 21.6)
-Unappro-
-priated 
-profit
-Reserves
---------------------------------------------------------------------------------------------------------- (Rupees in '000) -----
-
-Rank: 20
-Score: 0.5372454
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/21e0ddea1ff99d894c0fc11958ea744d.pdf
-Date:  None
-
-No. of persons
-(Rupees in '000)
-(Rupees in '000)
-Mr. Muhammad Aurangzeb, President and Chief Executive Officer, Mr. Sagheer Mufti, Chief Operating Officer up to December 31, 2023, Mr. Rayomond
-Kotwal, Chief Financial Officer and Mr. Jamal Nasir, Chief Human Resources Officer are Trustees of the HBL 
-
-Rank: 21
-Score: 0.5370253
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/5c22658aee8ebc1e62cf3cc0b56abef9.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT 
-MARCH 31, 2023
-11
-Muhammad Aurangzeb
-President and 
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Saba Kamal
-Director
-Salim Raza
-Director
-Dr. Najeeb Samie
-Director
-January 01 to
-January 01 to
-Note
-March 31,
-March 31,
-2023
-2022
-Mark-up / return / profit / inter
-
-Rank: 22
-Score: 0.5354427
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/9dc94502ba7c827b81f4d8593173430d.pdf
-Date:  None
-
-executive coach with diversified 
-experience of more than 23 
-years in various banking and 
-regulatory positions in UK as 
-well as serving in various Boards 
-including fintech, investment 
-banking and commercial 
-banking.
-She currently serves on the 
-Boards of Cantor Fitzgerald 
-Ireland, Cantor Fitzge
-
-Rank: 23
-Score: 0.5351858
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/ca6730d958a493281318b169d73391b4.pdf
-Date:  2023-12-31
-
-HBL QUARTERLY REPORT
-SEPTEMBER 30, 2023
-02
-CORPORATE INFORMATION
-Board of Directors
-Mr. Sultan Ali Allana 
-Chairman
-Mr. Shaffiq Dharamshi 
-Director
-Mr. Moez Ahamed Jamal 
-Director
-Mr. Salim Raza 
-Director
-Dr. Najeeb Samie 
-Director
-Mr. Khaleel Ahmed 
-Director
-Ms. Saba Kamal 
-Director
-Mr. Muhammad Au
-
-Rank: 24
-Score: 0.53380597
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/ba40bea877279b289cc0ac2a7f386e2a.pdf
-Date:  2023-12-31
-
-HBL HALF YEARLY REPORT 
-JUNE 30, 2023
-13
-Muhammad Aurangzeb
-President and 
-Chief Executive Officer
-Rayomond Kotwal
-Chief Financial Officer
-Shaffiq Dharamshi
-Director
-Moez Ahamed Jamal
-Director
-Dr. Najeeb Samie
-Director
-January 01
-January 01
-April 01
-April 01
-Note
-to June 30,
-to June 30,
-to June 30,
-
-
-Rank: 25
-Score: 0.5337321
-Source: /kaggle/input/datasets/muhammadezanraza/hbl-corpus-raw/pdfs/b11d15aaa17c3f5142eb68afd877dd6a.pdf
-Date:  None
-
-8. Mr. Rayomond Kotwal
-Acting President & CEO
-Mr. Rayomond Kotwal joined HBL as 
-the Chief Financial Officer in 2015 
-and assumed charge as Acting 
-President & Chief Executive Officer 
-on December 1, 2017. He has over 31 
-years of experience including over 20 
-years in the banking sector.
-He currently
-================================================================================
-
-Assistant:
-Mohammad Nassir Salim
+"عظمیٰ هارون|میر هارون الرشید|میر هارون الرشید|مکان نمبر 508،بلاک جی،محلہ فیز 5 ڈیفنس هاؤسنگ اتھارٹی،لاہور کینٹ،ضلع لاہور|مکان نمبر 508،بلاک جی،محلہ فیز 5 ڈیفنس هاؤسنگ اتھارٹی،لاہور کینٹ،ضلع لاہور|کراچی وسطی,کراچی وسطی","UZMA HARON|MIR HARONUR RASHEED|MIR HARONUR RASHEED|HOUSE NUMBER 508 BLOCK G MOHALA PHASE 5 DEFENCE HOUSING AUTHORITY LAHORE CANTT DISTRICT LAHORE|HOUSE NUMBER 508 BLOCK G MOHALA PHASE 5 DEFENCE HOUSING AUTHORITY LAHORE CANTT DISTRICT LAHORE|KARACHI WASTI KARACHI WASTI"
+"عارف النساء|سخی مرجان|سخی مرجان|خواجی خیل،ڈاک خانہ تجوڑی،آدم زئی،تحصیل/ضلع لکی مروت|خواجی خیل،ڈاک خانہ تجوڑی،آدم زئی،تحصیل/ضلع لکی مروت|سرائے نورنگ,لکی مروت","ARIF ALNISA|SAKHI MARJAAN|SAKHI MARJAAN|KHWAJI KHAIL POST OFFICE TAJORHI ADAM ZAI TEHSIL / DISTRICT LUCKY MARWAT|KHWAJI KHAIL POST OFFICE TAJORHI ADAM ZAI TEHSIL / DISTRICT LUCKY MARWAT|SARAI NOORANG LUCKY MARWAT"