HABIB LTD

Company Profile: HABIB LTD

HABIB LTD is a prominent Pakistani conglomerate. It is primarily involved in a wide range of industrial and commercial activities.

Regarding whether it is a factory or a trading company, HABIB LTD is neither exclusively one nor the other. It operates as a diversified group with significant manufacturing capabilities (factories) across various sectors, including but not limited to automobiles, sugar, cement, and textiles.

Additionally, the group also engages in trading activities for certain products and services, alongside its extensive interests in banking, finance, insurance, and other service sectors.

Therefore, HABIB LTD is best described as a large industrial and financial conglomerate that encompasses both manufacturing (factory operations) and trading activities, along with numerous other business ventures.

HABIB LTD is an investment holding company. Its core activities revolve around its subsidiaries and associated companies, which are involved in a diverse range of products and services, primarily in the **automotive, real estate, financial services,** and **sugar** sectors.

Here are some of the key products and services associated with the HABIB LTD group of companies:

**Automotive**

* **Vehicles:** Assembly and sale of vehicles, including cars and light commercial vehicles, often through partnerships like Indus Motor Company Limited (Toyota vehicles in Pakistan).

* **Auto Parts:** Manufacturing and sale of various auto parts and components.

**Financial Services**

* **Banking:** Offering a full range of banking products and services, including:

* Corporate and consumer banking

* Trade finance

* Treasury services

* Islamic banking products

* **Insurance:** Providing general and life insurance products.

* **Asset Management:** Offering mutual funds and investment advisory services.

**Real Estate**

* **Property Development:** Development and sale of residential and commercial properties.

* **Construction:** Involvement in construction projects.

**Sugar**

* **Sugar Production:** Manufacturing and sale of white refined sugar.

* **Molasses and By-products:** Sale of by-products from the sugar milling process.

**Other**

* **Textiles:** Some involvement in textile manufacturing and sales.

* **Trading:** Import and export of various commodities.

The specific products and brands are primarily driven by the group's subsidiary and associated companies, such as **Habib Bank Limited (HBL)**, **Indus Motor Company Limited (IMC)**, **Habib Sugar Mills Limited**, and **Habib Insurance Company Limited**.