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Last Modified: Tuesday March 17, 2015

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HBL was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its branch network and become the largest private sector bank with over 1,600 branches and 1,700 ATMs globally and a customer base exceeding eight million relationships.

The Government of Pakistan privatized HBL in 2004 through which AKFED acquired 51% of the Bank's shareholding and management control. HBL is majority owned (51%) by the Aga Khan Fund for Economic Development, 42.5% of the shareholding is retained by the Government of Pakistan (GOP), whilst 7.5% is owned by the general public i.e. over 170,000 shareholders following the public listing that took place in July 2007.

With a global presence in 29 countries, HBL is also the largest domestic multinational. The Bank is expanding its presence in principal international markets including the UK, UAE, South and Central Asia, Africa and the Far East.

Key areas of operations encompass product offerings and services in Retail and Consumer Banking. HBL has the largest Corporate Banking portfolio in the country with an active Investment Banking arm. SME and Agriculture lending programs and banking services are offered in urban and rural centers.
Ratings & Rankings


a. Bankers Magazine

 Asset Wise in Pakistan   1

 World Rank        582

b. Credit Rating


 Long Term   AAA

 Short Term   A-1+

 Outlook      Stable


  Long Term   Caa2

  Short Term   NP

B) Country Rating (Pakistan)

 a. Moody’s

 LT      Caa1

b. S&P

 Foreign LT   B-

 Foreign ST   B

c. Capital Intelligence

 LT Foreign Currency   B-

 ST Foreign Currency   B

HBL has a balance sheet size of USD 15.31 billion (FY’13) and it is the first Pakistani bank to raise Tier II Capital from external sources.

Memberships of Industry Associations and Trade Bodies
  1. Pakistan Banks Association
  2. Pakistan Business Council
  3. Institute of Bankers Pakistan
  4. Pakistan Institute of Corporate Governance
  5. Karachi Center for Dispute Resolution
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