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 formally launched its Women’s Market program, Nisa, in 2015.

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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.

HBL UAE New Logo

The Opportunity - Pakistan

  • 25%

    of women in Pakistan over age 15 were part of the labor force in 2017, the World Bank found.
  • 7%

    of women in the country had a formal bank or mobile money account in 2017, according to Findex.
  • 1%

    of women in Pakistan got a loan in 2017, yet 31% of women borrowed money that year, Findex found.
  • 2%

    of women saved at a formal financial institution in 2017, according to Findex, but 30% of all women engaged in savings behavior that year.