Sign In
HBL Help
HBL PhoneBanking 111-111-425



Habib Bank Limited (HBL) endeavours to achieve a culture of openness and accountability along with maintaining high ethical standards in all its practices. In line with that commitment, it encourages all its stakeholders, including employees (all permanent, temporary and/ or contractual staff, intern), ex-employees, customers, directors, suppliers, vendors, contractors, consultants, service providers, shareholders or any other representative of the bank to raise matters of serious concern through whistle blowing mechanism, rather than ignoring the problem or blowing the whistle outside.


Purpose of Whistle Blowing Program is to:

  • Assist stakeholders in communicating their concerns about actual or potential violation of code of conduct including misconduct, unethical behaviour, fraud / forgery, bribery, corruption, money laundering, terrorist financing, insider trading, password sharing, alleged dishonesty, danger to health & safety, breach of law, bullying, harassment including sexual harassment, discrimination, regulatory misreporting, questionable accounting, auditing and financial reporting practices, breach of law, unauthorized use / unethical / unfair practices or illegal activity occurring within an organization that may lead to internal financial, regulatory or reputational loss.
  • Encourage stakeholders to feel confident in raising serious concerns and to question and act upon their concerns while reassuring the stakeholders that if they raise any concerns in good faith and reasonably believe them to be true, they will be protected from possible reprisals or victimization that may entail from whistle blowing.
  • Provide stakeholders with avenues to submit concerns in a confidential manner.
  • Provide assurance to the whistle blower about secrecy, confidentiality and protecting their legitimate personal interests.


Stakeholders should raise his/her concern using any of the following reporting channels of whistle blowing.

  • Hot line: +92-21-111-333-425
  • Email:
  • Postal Mail: addressed directly to the Chief Compliance Officer with copy to Chief Human Resource and Chief Internal Auditor at following at addresses:
    • Chief Compliance Officer, 12th floor, HBL Plaza, I. I. Chundrigar Road, Karachi, Pakistan
    • Chief Human Resource 19th floor, HBL Plaza, I. I. Chundrigar Road, Karachi, Pakistan
    • Chief Internal Auditor 13th floor, HBL Plaza, I. I. Chundrigar Road, Karachi, Pakistan

    All such mails should be marked "confidential" on the outer envelope and "whistle blowing" on the inside envelope for maximum confidentiality.

    • Fax: +92-21-32460840

    All such fax messages should be marked "Confidential" and "Whistle Blowing" on the first page of fax message for maximum confidentiality.

    • Stakeholders also have option to submit their concern by completing the “Whistle Blowing Form”

    In case the whistle blowing is against the President, any employee of Internal Audit Group, any employee of Compliance Group or board member(s), the complaint may be made directly to the Chairman Board Audit Committee at email address
    All other Whistle Blowing complains/concerns should be escalated as per the contact options provided in the Reporting Channels.