All Functions

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HBL Branch Banking group consists of multiple divisions which leverage HBL’s 1,600+ branch network. These functions include Distribution (19 regions), Sales Management, and Retail Products. Branch Banking primarily represents the ‘business / sales’ wing of the branch network.


The Distribution structure of Branch Banking is divided in 1,600+ branches, 150 Areas, 19 Regions, & 6 HUBs with each HUB being managed by a Senior Regional Chief & each region by a Regional Chief. South HUB (Karachi, Hyderabad, Sukkur), Multan HUB (Multan, Bahawalpur, Sahiwal), Central HUB (Lahore, Gujrat, Gujranwala), Faisalabad HUB (Faisalabad, Sialkot, Sargodha), AJK HUB (Mirpur, Jhelum, Muzaffarabad), North HUB (Islamabad, Mardan, Peshawar), & Quetta being managed as a separate region. Distribution is primarily responsible for the sales of all liability, wealth, consumer, & lending products benchmarked against yearly Key Performance Indicators.

Sales Management

Sales Management is a vital area under Branch Banking that primarily focuses on effective implementation of sales practices. It provides the branch network with sales support services that include Customer Engagement Techniques and CRM platforms that help enable the network to deliver more effectively on the business results.

Retail Products

HBL Branch Banking is committed to stay at the pinnacle retail banking through its diverse set of product offerings. It is imperative to have the right product for the right customer. Retail Products encompasses product development & maintenance of both liability & wealth management products, management information systems (business analytics), product marketing, portfolio management, network optimization, self-service channels etc. Retail Products has also launched a strong NISA proposition (banking for women), while Prestige Banking for high net-worth Individuals is under development & set to be launched by Dec, 2020. Roshan Digital Account (a joint initiative of GoP & SBP) was launched in Sep, 2020.

The Commercial Banking division is a vital area under Branch Banking business that primarily targets medium & large commercial sized businesses. It provides them with personalized services such as structured and customized banking solutions that help enable their businesses to function more efficiently. These solutions encompass various services such as Trade Finance (covering imports, exports, remittances & guarantees), Long-term and Working Capital Finance, Deposit Mobilization, Cash Management and cross-sell of various other banking products.

HBL’s Consumer Rural and SME Banking business is focused on providing value to customers while enabling them to achieve their financial aspirations. HBL consumer banking is a market leader and provides Credit Cards, Personal Loans, Auto Loans, Debit Cards and Merchant Acquiring products to our customers.

Rural Banking

HBL is committed to cater to the banking needs of farmers and rural communities. It continues to play a vital role in reaching out to Rural Pakistan providing tailor made agricultural financial services through its vast network of rural branches and a dedicated field force of Rural Banking. The bank is a market leader in farmer financing and continues to innovate and digitalize the customer journey for enhanced outreach with qualitative service.

SME Banking

Being the largest lender we support small and medium businesses with conventional and seasonal leading products, program-based lending with small business finance and point-of-sale (POS) finance. HBL also supports SMEs with SBP targeted schemes and trade needs of the sector.

HBL has the largest Corporate Banking portfolio in Pakistan coupled with the most active and largest Investment Bank in Pakistan. Our Corporate & Investment Banking Group is a leading provider of financial services to top-tier multi-national and local clients across the country, serving the financial needs of the nation's preeminent domestic and multinational corporate customers.

Corporate & Investment Banking

Corporate banking's relationship bankers partner with product specialists to provide a full array of corporate banking solutions, from cash management, foreign exchange, trade finance, custody, clearing and loans, to capital markets, derivatives, and structured products. They also partner with our investment banking arm to deliver investment banking expertise in project finance, mergers & acquisitions, debt syndications and capital market solutions to the banks’ clients.

Commercial Banking

The Commercial Banking division is a vital area within the group that primarily targets smaller and medium sized businesses. Commercial Banking teams provide these clients with personalized services such as structured and customized banking solutions that help enable their businesses to function more efficiently. These solutions encompass various services such as Trade Finance (covering imports, exports, remittances & guarantees), Long-term debt and Working Capital Finance, Deposit Mobilization, Cash Management and cross-sell of various other banking products.

Transaction and Employee Banking

The Transaction and Employee Banking (TEB) business spans across business segments by providing innovative solutions for customers to run their businesses. TEB offers customized digital products to enhance efficiencies within customer business through cash management, payment solutions, and payroll delivery services.

Corporate Strategy’s primary role is to maintain oversight and drive the execution of the various aspects of the Bank’s strategy. The function, acting as a coordinating body, develops and plans strategy implementation while promoting the overall corporate goals. As a stabilizing force, the function gives direction to organizational action and provides a common frame of reference in a constantly evolving environment. Working as a team across the Bank, the function develops strategy implementation plans to manage cross-business initiatives and create measureable business value in terms of customer experiences and operating performance, improved controls and generation of bottom-line improvements. This is achieved by focusing on the Bank’s unique assets and taking advantage of them in a meaningful way such that the Bank is distinguishable from competing organizations and on course to becoming a Technology Company with a Banking License.

HBL Treasury & Global Markets (TGM) is a core part of a bank’s structure and of Pakistan’s financial landscape. The Bank is an authorized dealer in foreign exchange, one of 12 Primary Dealers nominated for the sale & distribution of government debt, and an authorized dealer for Derivatives, all functions that fall within the purview of the TGM Group.

While the mainstay of TGM is the domestic TGM business, the Group also houses the International Treasury function which has oversight of Treasury functions in international locations. The function encompasses all aspects of the International Treasuries, including liquidity management, investments, and sales & trading, and provides an important bridge between the countries and Head Office.

Asset & Liability Management

The Asset & Liability Management (ALM) function manages the Liquidity & Interest Rate risks of the entire Bank, with a view to optimize the Bank’s profitability from its large, liquid investment portfolio (known as the Banking Book, which constitutes more than half the Bank’s balance sheet), within a framework sanctioned by the Bank’s ALCO Committee. Pursuant to these objectives, the Treasury ALM function carries out reserve management activities as well as analyses and scenario planning of balance sheets.

Treasury Sales

TGM is the “face-to-the-market” for the Bank, encompassing activities in various financial markets including FX (Foreign Exchange), Money Markets, Fixed Income Securities, Equities & Derivatives. The Treasury Sales function is responsible for the Sale & Distribution of financial markets products to all client segments of the Bank, and works closely with relationship businesses to maximize the volume and income stream from these activities. The structuring desk is tasked with the overall management of derivatives and structured / complex products, and in developing bespoke solutions for clients, as well as acting as the new product engine for the Group.

Fixed Income & FX

Trading desks in fixed income and FX manage deal flow and exposures in these products with a view to providing market liquidity to client segments as well as other Bank counterparties, and to proactively position the Bank to take advantage of market movements. The Bank has been the largest market-maker in these products for several years. The equity desk manages the liquid equities portfolio of the Bank.


The Group also houses the Research function, which provides economic and market research to senior management, to clients, and for internal use in the Treasury.

HBL Islamic Banking is one of the largest Shariah-compliant service providers in the country. We provide end to end Islamic banking solutions to our varied clientele including account services, financial products, cash management and alternate delivery channels.

HBL pioneered Chinese Business in Pakistan, has the largest Chinese business portfolio, and is only bank to have operational branches in China. We are focused on becoming the bank of relevance for customers across BRI countries. China Coverage is a dedicated team of Chinese and Pakistani bankers who provide whole array of banking services to Chinese entities operating in Pakistan and across HBL international network.

Our team specializes in providing one-stop solution, related to corporate & investment banking, distribution, trade, cash management and treasury requirements to all Chinese entities, corporate or individuals.

The Innovation and Financial Inclusion Group focuses on overall digital transformation of HBL, including enabling the drive towards becoming a Data Driven organization. It aims to transform our customer's banking experience through the use of data for in-the-moment engagement and real-time / predictive analytics and decision making capabilities, innovation, business model redesign and development of new channels to tap the unbanked segments. The emergence of digital age has served to revolutionize the current bank offerings using concepts like straight-through processing, product and process redesign, data analytics, machine learning, branchless ecosystem and IoT (internet of things).

The Group consists of following four Departments:

  • Branchless Banking – Konnect by HBL
  • Digital Transformation – Driving Digital Projects across the enterprise
  • Data Strategy- Including Data Lake, Analytics, AI/ ML
  • Enterprise Solution and Digital Channels – HBL Mobile, HBL Pay, Billing Aggregator

International Banking is a key business unit at HBL that is responsible for all aspects of the Bank's relationships with domestic and international financial institutions. It provides the infrastructure which facilitates the efficient functioning of our global trade, payments and treasury businesses. From an International perspective, the department also assesses individual country risk by analyzing counter party credit risks through the macro and micro environment analysis.

The Finance department works in collaboration with all the other functions of the Bank to track, analyze and report the financial information that measures the Bank’s performance in order to guide the Bank in achieving its strategic objectives.

The department also manages the Bank’s tax reporting, compliance and payment obligations and provides advisory to departments on tax matters.

The team also strives to maintain the integrity of controls around the financial Reporting process so as to ensure the accuracy of the financial reporting carried out by them in accordance with the requirements set out under the various laws and regulations applicable on Banks in Pakistan, and other jurisdictions where the Bank operates.

The Finance department is the primary interface to the investor community and presents HBL and its performance through regular interactions.

Global Compliance is responsible for promoting a culture of awareness and compliance sensitivity by instituting strong controls to effectively manage regulatory, financial crime and conduct risks. Global Compliance partners with all HBL businesses and functions to advise and enable them in understanding, implementing and complying with regulatory requirements, relevant laws, regulations and related internal policies.

Global Operations plays a critical role to define and implement customer centric processes while maintaining an effective regulatory compliance & control environment. We create and deliver superior value to our stakeholders through innovation and creativity. Our dedicated teams, with their deep industry experience, strategically apply technology to reduce manual intervention, mitigate risk, simplify and improve the customer experience.

Being the leading full service bank in Pakistan with regional presence, our operational services enable: Branch Banking Business, Consumer Business, Cash & Trade Transaction Services, Corporate, Commercial and Investment Banking and Innovation & Financial Inclusion Business. Additional critical infrastructure support is provided through Shared Services Operations comprising of Real Estate Management, General Administration and Security Services.

HR at HBL operates as a strategic partner to our businesses and focuses on driving performance excellence by hiring, developing and retaining the best talent. With a long-term focus on aligning our people strategy with the overall organizational strategy, we strive to build a flexible, engaging and progressive culture. Structured into nine key roles, HR at HBL contributes through the following units:

  • Talent Acquisition: Sources, screens and recruits the best talent in the market, while ensuring adherence to inclusive hiring policies.
  • Relationship and Talent Management: Prioritizes employee engagement and development in partnership with business units and line managers to drive business results, promote career growth and maximize employees’ potential.
  • Learning and Development: Designs and develops need-based interventions to enhance capabilities and skillsets to cater to the dynamic business environment.
  • HR Operations: Ensures seamless execution of daily HR transactions essential to maintaining a workforce.
  • Rewards and Policies: Develops and implements policies and reward structures to motivate and engage employees to consistently drive performance and achieve organization’s goals.
  • Organizational Development: Undertakes a systematic approach to assessing and improving all employee-related processes and structures to enhance organizational efficiency.
  • HR Technology and Data Analytics: Focuses on digitization of HR processes through design and implementation of tech-related projects and solutions to support evidence-based decision making.
  • Ethics and Conduct: Identifies, measures, monitors and implements the ethics and conduct framework at HBL in line with the State Bank of Pakistan guidelines.
  • Employee Relations: Acts as an arbitrator and oversees the resolution of grievances, misconduct and/or disciplinary violations by employees in a fair and impartial manner.

HBL’s vision is to embed technology within the very fabric of the Bank. We see technology as a force multiplier and enabler and recognize it as a crucial, but not the only, component of our drive towards increasing revenues, reducing costs and enhancing customer experience. We also are fully aware of the fact that technology in itself is not the solution, it is the complex interplay of technology enabled services with empowered employees that will allow the full potential of the bank to be unleashed.

HBL Internal Audit Function through a risk-based approach, provides reasonable and objective assurance on the adequacy of design and effectiveness of the systems of internal control in mitigating significant risks and in enhancing the effectiveness of risk management, governance processes and systems in a holistic manner. The end to end coverage of areas include head office, branches, international locations, credit risk cycle, technology risks, Islamic banking areas and bank wide investigations duly supported by dedicated audit digitalization team and monitored by an internal quality assurance mechanism.

HBL internal audit is well positioned to deliver consistent best in class assurance and advisory services to its stakeholders based on the following five pillars:

  • Continuous Risk focus: To continuously benchmark ourselves against the dynamic regulatory requirements stakeholder expectations and industry best practices for provision of value added assurance and advisory services.
  • Technology: Subject matter IT and digital expertise for robust coverage of core technology and digital areas.
  • Agility: Flexible, future looking and continuously evolving in the dynamic landscape.
  • Stakeholder management: Continuous engagement with internal and external stakeholders for better insight into emerging risks of the Bank and industry.
  • People & Culture: Based on the principles of diversity and open communication we implement ongoing development, progression, fair treatment and performance reward.

Corporate Secretariat department led by Company Secretary is responsible to carry out the statutory duties including ensuring the integrity of the governance framework as per statutory requirements; efficient administration of the Bank’s Board of Directors/Board Committees meetings and Shareholders’ meeting (General meetings; record keeping of meetings’ minutes, coordinating for the Implementation of the decisions of the Board of Directors; managing Bank’s shareholders matters related to transmissions/transfers, arranging dividend payments; TFCs issuance and redemptions, issuance of share capital and observing all legal and regulatory requirements ; Liaising with auditors, lawyers, advisers, regulators and shareholders on the Board governance issues; ensuring compliance obligations under relevant laws and the requirements of regulatory authorities e.g., State Bank of Pakistan (SBP), Securities Exchange Commission of Pakistan (SECP) and Pakistan Stock exchange (PSX); keeping abreast the Board and management about international best Corporate Governance practices & emerging trends and its adaptability.

Information Security is a critical business function and an essential component of governance affecting all aspects of the business environment. HBL Board & management is committed to providing ‘first-class business in a first-class way’ to our customers while protecting our clients and their information.

In the environment of growing cyber threat, HBL continues to strengthen the Bank’s cyber defense mechanism by utilizing effective preventive and detective information security measures to counter evolving cyber challenges. These mechanisms allow HBL to offer innovative digital solutions to its clients while ensuring them protection, confidence, and peace of mind.

HBL is the amongst the very few banks to have attained PCI DSS certification which is the de facto security standard for the Payment Card Industry. HBL also achieved ISO27001 international information security related certification.

At HBL, we stand for enabling dreams and enriching lives. The Marketing & Corporate Affairs department ensures that our brand proposition of 'Jahan Khwab Wahan HBL' is reflected in all aspects of our communication. The team focuses on brand building by identifying the needs of the target audience - customers and stakeholders - and creating a fusion with the best tactical strategies across the board.

HBL Structured Credits and Remedial Assets Group (SC & RA) comprises of two distinct specialized units – both applying a different approach to achieve a common objective of addressing the stressed/complex portfolio of the bank. The functions performed by these units are more specifically elaborated below:

  • Structured Credits deals with diverse range of portfolio comprising of regular yet complex / sensitive accounts that needs to be proactively managed to timely offset the early signs of portfolio stress, restructuring to rehabilitate the non performing relationships, non-traditional work outs not limited to Debt to Asset Swaps as well as expertise in leading the Syndicate Restructurings. Staff for Structured Credits represents diverse skill set with a good blend of work experience covering Commercial/ Corporate Banking & Risk Management.
  • Remedial Assets involves negotiations with clients to settle distressed / litigated exposures. This unit includes a deep understanding of the legal and recovery framework of Pakistan as well as timely liquidation through various methods.

Risk Management ensures exposures are kept within acceptable risk limits while maintaining a robust and sustainable earnings stream. The group’s activities include approval of credit and market limits, portfolio management, development of scorecards and rating models, capital management, risk taxonomy, credit administration and fraud risk management. Banks are subject to a wide array of risks including those arising from lending, market fluctuations and operational activities. Based on this diverse nature, Risk Management Group at HBL requires individuals from broad range of expertise including credit, actuarial sciences, finance, accounting, business management and other quantitative disciplines.

An Enterprise Risk Management (ERM) division has been set up within Risk Management Group. ERM will provide the bank with the tools and the mindset to strengthen the connectivity and governance of the enterprise-wide risks, including credit, market, liquidity, operational, compliance, legal, reputational & strategic risks.

The quality of ‘our services’ is a determinant of ‘our customer’s’ satisfaction. The satisfaction in turn is built on experiences and interactions with HBL. Delivering great experiences for our customers across all channels is one of the key values of HBL. In an intensely competitive environment with both local and international banks playing an active role, the customer expects superior service from his financial partner. HBL’s ability to offer unrivalled experiences hinges on knowing the precise needs of the customers. Service Quality ensures that the bank is consistently meeting or exceeding customer expectations by measuring, managing and improving customer experiences.

The Legal Affairs Group manages all legal risk and caters to all the advisory needs of the Institution; its four components i.e. the Legal Operational Advisory, the Transactional Advisory, the Litigation Department, and the LEA Unit provide support to Businesses and Functions. The Board of HBL emphasizes that all business must be conducted ethically and in compliance with all relevant laws.

Business transformation is responsible for enhancing the business standards. The function is centered around four main pillars, Governance, People, Process and Technology. The function uses a risk-based approach to ensure that key processes and controls are “fit for purpose” so that with management supervision, business risk is sufficiently mitigated. This continuous drive is aimed at exceeding compliance with regulatory standards, and being the “best in class” in the markets it operates in.

The Development Finance Group (DFG) is a new function initiated by HBL. It is mandated to design and implement interventions targeting Pakistan’s Agriculture and SME sectors, and in the process, uplift the underserved and exploited farmers of the country.

DFG facilitates the farmers through in-kind loans, and help them become better producers and efficient sellers. This is achieved by engaging the complete agriculture value chain: by providing the farmers with high quality inputs, modern mechanization and better agronomic advisory; and connecting the farmers with the bulk processor of their crop produce. In parallel, along with improving the economic conditions of the financed farmers, DFG also makes profits for the Bank, thus creating a double bottom-line impact.