Branch Banking

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.