Visit HBL.com

All Functions

Choosing the right function can be tough, and the truth is there are no easy answers, but there are lots of great questions. Let us help you figure out what type of role, business and industry is right for you.

HBL Branch Banking consists of diverse business areas which leverage HBL's distribution network. These businesses include Retail Products, Rural Banking, Retail Lending, Commercial Banking and the overall branch network of the bank. This group constitutes the core business and sales arm of the bank.

Commercial Banking

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.

Rural Banking

HBL is committed to catering to the banking needs of farmers and the rural communities. It has played a pivotal role in reaching out to Rural Pakistan. HBL takes pride in leading the Rural Banking industry with more than 25% market share. The bank has the largest specialized team of Rural Bankers spread all across the country providing door step services with tailor-made banking products.

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 is committed to understanding financial needs, aspirations and dreams of the masses. HBL Consumer Banking is the fastest growing business in the industry, serving many individuals across the nation. Consumer Banking at HBL caters to various personal needs with products like PersonalLoan, CarLoan, HomeLoan, CreditCard with variants suiting requirements of a wide cross section of the society, including high end Platinum, Gold and Green. Similarly, our Debit Cards offer various solutions for different type of customers.

In continuous efforts to contribute and expand the ecosystem, merchant acquiring is another strong area of consumer banking at HBL. An outbound call center is also utilized as a sourcing channel fully geared with product experts disseminating information to prospects.

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 corporations and financial institutions through a diversified portfolio.

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 capabilities to our relationship clients.

The Legal department caters to all the advisory needs of the Institution and Litigation which provides support to Businesses and Functions. The Board of HBL emphasizes that all business must be conducted ethically and in compliance with all relevant laws.

Coming Soon

Financial Institutions and Global Trade Services is a key business unit at HBL that is responsible for all aspects of the Bank's relationships with domestic and international financial institutions. The department assesses individual country risk by analyzing counter party credit risks through the macro and micro environment analysis; also escalating any expected and unexpected global change in the risk profiles.

Global Compliance Group is responsible for ensuring Bank-wide compliance of regulatory and internal regulations covering all Business/Product segments across the organization. It partners with all HBL businesses and functions striving to ensure that the Bank's Policies and Procedures and regulatory guidelines are implemented in letter and spirit throughout the organization.

The pivotal role performed by Global Operations is to define processes as per prudential regulations ensuring that there is no compromise on controls. We deliver value to our stakeholders through innovation and creativity in an intensely competitive environment. Our expert teams, with their vast industry experience apply technology strategically to reduce manual intervention, mitigate risk and improve customer experience.

The Global Treasury is a core profit center of the bank encompassing Sales and Trading businesses as well as a dedicated Asset & Liability Management (ALM) unit. Global Treasury plays a key role in Pakistan’s domestic markets. As an Authorized Dealer for Foreign Exchange, a Primary Dealer for Government Debt, and as an Authorized Dealer for Derivatives, Global Treasury is a dominant force in the domestic FX, Fixed Income, and Derivatives markets. We are the recipient of multiple domestic and international awards for our performance in domestic fixed income and foreign exchange.

Human Resources at HBL is directed towards achieving employee satisfaction and providing a conducive and supportive environment for the mutual benefit of the employees and the Bank. The functioning of HR is divided into various units and each unit with its unique significance works towards enhancing personnel satisfaction. Human Resources is dedicated to searching, screening and recruiting candidates with the best talent in the market and aligning them with our company values. Our recruitment team ensures inclusive hiring policies and the acquisition of unique and exceptional talent. At HR we value and encourage employee engagement across the Bank and partner with business units and line managers to ensure that each individual employee is satisfied with their working experience at HBL. We ensure that our engagement initiatives and specialized projects resound through all our locations, both in Pakistan and internationally. Our Learning and Development team works around the clock to encourage the growth and development of all our personnel.

The IT function works tirelessly to transform HBL into a world class organization with a focus on people, processes, and technology by providing comprehensive, strategically oriented technology enablers. Our team ensures that our businesses, customers and employees are always connected and are provided with real-time insights.

The Innovation and Financial Inclusion Group focuses on overall digital transformation of HBL. It aims to transform our customer's banking experience through technological innovation, business model redesign and development of new channels, also 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). By being a part of I & FI, you can help chart out HBL's path to becoming a bank of the future.

The department is an amalgamation of the following four functions:

  • Agency Banking
  • Digital Transformation
  • Data Strategy
  • Enterprise Solution and Digital Channels

HBL Internal Audit Function through a risk based programme of audit coverage, provides reasonable and objective assurance on the adequacy of the design and effectiveness of the systems of internal control in mitigating significant risk exposures and in improving the effectiveness of risk management, governance processes and systems in a holistic and forward-looking manner.

In Internal Audit there's a very diversified pool of talents and skills, with human capital having back ground of IT, finance, fraud detection specialist, investigations. From Chartered Accounts to Fraud Investigators, data analysts and seasoned bankers, you will find all types of interesting people in the Internal Audit function.

HBL Islamic Banking is the nation’s second largest Islamic banking facility provider. Islamic Banking department aims to provide Shariah compliant services to its customers. Our team works on the account offerings and financial products under Islamic Banking which are designed according to Islamic principles to meet the needs of our varied clients.

At HBL, we stand for enabling dreams and enriching lives. The Marketing and Brand Management 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 and creating a fusion with the best tactical strategies across the board.

Remedial Assets is a specialized unit which involves negotiations with clients to settle distressed exposures. This department includes a deep understanding of the legal and recovery framework of Pakistan as well as timely liquidation through various methods. More specifically, on the liquidation side our team actively coordinates with legal counsel to expedite court settlements.

Retail banking is a dynamic group leading HBL's constantly evolving financial services . A multi-faceted department, it provides HBL's Distribution with products and services tailored according to identified market needs as well as analytical information to the branches. The department is not only involved in expansion of the HBL branch network but is the also the custodian of the ATM network, its deployment and optimization. Retail Products also has the privilege of being the owner of the Women Market Program, the first ever women oriented program by a local bank to be globally recognized , dedicated towards identifying and serving the needs of women all across Pakistan. With a constant focus towards product innovation, Retail Products is working tirelessly to bringing about first-to-market products and technologies for the branch banking customers. Retail Products offers a variety of financial services including a myriad of deposit accounts and financial services designed to suit the unique needs of all our customers. With a team of dedicated staff handling the third-party businesses of the Investment & Bancassurance, Retail Products has something to satisfy the varied needs of all our customers.

Risk Management ensures exposures are kept at acceptable levels as business groups strive to achieve their objectives. 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 actuarial sciences, finance, accounting and business management

HBL is committed to catering to the banking needs of farmers and the rural communities. It has played a pivotal role in reaching out to Rural Pakistan. HBL takes pride in leading the Rural Banking industry with more than 25% market share. The bank has the largest specialized team of Rural Bankers spread all across the country providing door step services with tailor-made banking products.

The experience we deliver to our customers is a critical element in continuing to grow our business and delivering superior financial performance. We need to continue to strive to improve looking at the end to end experience we deliver across the customer life cycle. In an intensely competitive environment with both local and international banks playing an active role, Brand loyalty is being crumpled as customers move to banks that offer the best services. In today's marketplace, the customer expects quality. Service quality has been viewed as a determinant of customer satisfaction, therefore; Service Quality Department attempts to maintain Quality in the services delivered to customers.