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Organization

HBL, Pakistan’s largest bank, was the first commercial bank to be established in Pakistan in 1947. Over the years, HBL has grown its branch network and maintained its position as the largest private sector bank in Pakistan with over 1,700 branches and 2,000+ ATMs globally, serving 27 million customers across three continents. HBL is shaping the future through a paradigm shift as a ‘Technology Company with a Banking License’. The Bank’s multiple digital channels are helping it get closer to its customers through innovative and frictionless ways.

The Government of Pakistan (GoP) privatized HBL in 2004 through which Aga Khan Fund for Economic Development (AKFED) acquired 51% of the Bank's shareholding and the management control. The remaining 41.5% shareholding by the GoP was divested in April 2015. AKFED continues to retain 51% shareholding in HBL while the remaining shareholding is held by individuals, local and foreign institutions and funds including CDC Group Plc which holds 5% and International Finance Corporation which holds 3%.

The Bank is a leading full-service commercial bank. The key areas of operation are Branch Banking, Corporate & Investment Banking, Treasury, SME & Rural Banking, Financial Institutions & Global Trade Services, Transaction Banking and Islamic Banking.

The Branch Banking business is the mainstay of the Bank, positioning HBL as the largest retail bank in Pakistan catering to all market segments. HBL Corporate & Investment Banking Group is a leading provider of financial services to multinational and local corporate clients across the country. The Bank also has the largest Treasury operations in Pakistan and plays a key role in Pakistan's domestic markets.

HBL enjoys a significant international footprint and is the largest domestic multinational. The Bank’s international footprint is important as it provides opportunities to effectively serve its core customers across its network. China remains the lynchpin of HBL’s international strategy and the Bank is the largest executor of CPEC related financing in Pakistan. In November 2019, HBL created history when the HBL Urumqi Branch formally commenced the RMB business by becoming the first and only bank from Pakistan and one of the three banks from the South Asia and MENA region to offer end-to-end RMB intermediation. In December 2019, HBL became the first Pakistani bank to be awarded the much coveted branch license to offer financial services to clients in Beijing.

As the leading financial intuition of Pakistan, HBL is at the forefront of all development initiatives which includes growth of priority sectors and targeting the unbanked population in the country. As the leading financial institution of Pakistan, HBL remains committed to its objective of financial inclusion for all segments of society. The Bank is already playing a leading role in enhancing financial inclusion through initiatives such as the Ehsaas Kafalat Program and facilitating access of women to the financial sector.


Ratings & Rankings


HBL Rating

Rating Agency

JCR-VIS

Moody's

Long Term Rating

AAA

Caa1

Short Term Rating

A-1+

NP

Outlook

Stable

Stable




​​

Country Rating: Pakistan

Rating Agency

Moody's

S&P

Long Term Rating

B3

B

Short Term Rating

NP

B​​​


HBL has a total asset size of USD 21 billion (FY’19).


Memberships of Industry Associations and Trade Bodies

  • Pakistan Banks Association.
  • Pakistan Business Council.
  • Institute of Bankers Pakistan.
  • Pakistan Institute of Corporate Governance.
  • Karachi Center for Dispute Resolution.