Incubate & Innovate for SUSTAINABLE IMPACT across ecosystems
We promote sustainable economic growth in priority sectors and enhance access to banking services by building solutions from the ground up – from testing in pilots to scale-up
Overview
Development Finance Group (‘DFG’) operates under HBL Board governance and a Board-approved Charter with the following guiding principles for Sustainable Impact:
Drive financial inclusion and mobilize economic growth by integrating the unbanked/underserved and undocumented segments of the economy
Create self-reliance for the country
Linking the disparate parts of the undocumented sectors into a sustainable circular economy to reduce consumption
Foster innovation and exportable value chain solutions for ‘Made in Pakistan’ brands
Leverage technology to make financial solutions affordable and accessible
Promote capital flows to priority sectors through partnerships in private and public capital markets
Develop sustainable solutions that create a positive environmental and social impact in line with HBL’s SDGs
OPERATING MODEL
Our operating model is aligned with HBL’s 3 Strategic Pillars and we work from the ‘ground up’ to:
A. Conduct research to identify opportunities/segments having high potential for impact creation
B. Design and develop solutions that promote sustainable economic growth in priority sectors and enhance access to banking services
C. Act as a bank-wide incubator for innovative concepts, via controlled pilots that may be scaled into existing verticals or new businesses as ecosystem enablers (such as HBL Zarai Services)
PRIORITY SECTORS
Priority sectors are linked with HBL’s Sustainability agenda and where we can be a catalyst in unlocking economic value and mitigating socio-environmental risks such as:
a. Evolving opportunities in Agri value chain & SMEs such as
Traceability & export of value-added goods & services (including IT)
Agri-linked processing and distribution
Services such as Logistics and Tourism
b. Clean Energy & Water
Transitioning to clean & renewable energy from fossil-fuel-based production
Promoting renewable energy and biofuels for high carbon-emitting industries
Circular economy in the Water sector for conservation, energy, and food security
Contact Us
We are keen to collaborate with entrepreneurs and technical solution providers who are interested in co-creating, testing, and launching pilots that can be scaled in Priority Sectors – please email us at development.finance@hbl.com
We are also always looking to augment our Human Capital with future-oriented ‘create a healthier planet’ solution-oriented people - if you want to learn, share, ideate, and create ways to solve complex problems, please contact HBL HR for interest in DFG.