Commercial Banking is targeted at medium sized businesses with annual sales ranging from PKR 800 million to PKR 6.0 billion. We operate through a growing network of specialized Commercial Banking teams in all principal markets of the country including Karachi, Hyderabad, Sukkur, Lahore, Faisalabad, Sahiwal, Gujranwala, Sialkot, Multan, Rahim Yar Khan, Bahawalpur, Islamabad, Rawalpindi, Mirpur AK and Peshawar.
Our teams of seasoned relationship managers are equipped with the technical skills needed for the provision of personalized services and customized solutions that help to enable your business to function more efficiently. A long history of financing and relationship nurturing at every level has enabled HBL to develop a unique understanding of the mid-market business segment. This enables us to provide a variety of financial products and services for our clients' business needs. One of our core strengths is the ability to provide our clients with access to HBL's wide array of personal and business products & services, thus enabling a "one window" solution to all our customer's financial needs.
Our Asset, Liability & Trade business covers many areas of commercial businesses. Steel & Allied, Cotton Ginning, Weaving, Printing, Dyeing & Processing, Garment Manufacturing & Home textile, Flour Mills, Commodity Trading , Surgical Instruments, Sports Goods, Pharmaceutical, Plastic, Chemical & Trading, Auto & Allied, Contracting Business, Edible Oil, Feed and Oil Solvent Extraction are just some of the main industries we cater to.
We specialize in creating custom made solutions to enable our clients to meet all their banking needs through both conventional as well as Islamic Banking products. Our primary products include:-
• Current Accounts, Savings Accounts and Term Deposits
• Transaction Banking Services (Cash Management – Collection &
Payment, Payroll Solutions)
• Personal loans, Auto Finance, and Credit Card services
• Working Capital Finance
• Structured Trade Finance (in both PKR and FCY)
• Project Finance
• Receivables Discounting
• Treasury Products
• Letters of Guarantee (Bid, Advance, Performance)
• Lease finance (Autos & Machinery)
• Islamic Banking window (Advance/Deposits/Trade)
• Advisory and access to capital markets, merger & acquisition
services, debt syndication and commercial
paper issuance through our investment banking
division, the largest Investment Bank in the country.
• Various SBP related refinance schemes