HBL

Habib Bank Ltd. (HBL) is the largest private sector bank in Pakistan, with more than 8 million customers.

About HBL

HBL was the first commercial bank to be established in Pakistan, founded 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. The bank has a market share of around 15 percent in terms of total assets and deposits. As of December 31, 2014, HBL had total assets of US$18.6 billion, total deposits of US$15.2 billion and total equity of US$1.7 billion.

With a global presence in 29 countries, HBL is the largest domestic multinational corporation. 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. Small and medium enterprise (SME) and agriculture lending programs and banking services are offered in urban and rural centers.

HBL is majority owned (51 percent) by the Aga Khan Fund for Economic Development, and 42.5 percent of its shares are retained by the Government of Pakistan, while 7.5 percent are owned by the general public following the bank’s public listing in July of 2007.

The Program

In 2014, the International Finance Corporation (IFC) launched an advisory project with HBL to help the bank improve its offerings to women employees and customers in Pakistan. The IFC subsequently committed to a loan of up to US$150 million to HBL, as well as an equity investment of US$75 million to support HBL’s domestic and international growth, boost financial inclusion — especially for women and rural communities — and strengthen the country’s private sector. HBL launched its Women’s Market program, Nisa, in 2015.

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HBL AT A GLANCE

HBL was established in 1947 and was the first commercial bank in Pakistan.

Based on assets and deposits, the bank has a 15 percent market share in the country.

HBL’s network comprises over 1,600 branches and 1,700 ATMs.

HBL has a large international presence, operating in 29 countries around the world.

The bank has total assets of US$18.6 billion, deposits of US$15.2 billion and equity of US$1.7 billion.

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The Opportunity - Pakistan

  • 24%

    of women in Pakistan over age 15 were part of the labor force in 2012, the ILO found.
  • 23%

    of national parliament's lower chamber was made up of women as of 2013, according to the World Bank.
  • 29%

    of women in Pakistan got a loan in 2011, the World Bank found.
  • 2%

    of 2011 loans to women in Pakistan were from a formal financial institution, according to Findex.