Branch Banking

HBL Branch Banking is the largest business segment of the bank spread across Pakistan through its vast network of 1,450+ branches and 2,000+ ATMs. The group is divided into 7 different functions; Business Planning and Strategy, Retail Products, National Sales, Analytics & Process Engineering, Governance, Prestige Banking, and Distribution (commonly referred to as the sales wing of the branch network).

Analytics and Process Engineering

Branch banking analytics is packed with infinite opportunities where we focus on creating tools to enable data led business decisions, identify business opportunities through data models and state of the art technology used globally. Our dedicated advance analytics program helps towards sales management initiatives; driven through artificial intelligence, spatial analytics, power BI tools and propensity models among others contemporary data science tools.

Process improvement program is the cornerstone of our renewed strategy at branch banking whereby we strive to remove procedural niceties and dovetailing any change with technology and automation. We look for opportunities to remove inefficiencies of doing business and collectively improve them using policy changes / cognitive sciences / AI / Innovation / big data and much more. In its entirety, the process improvement program reaches the idlest of the banking processes and seek to transform / optimize these with the rudimentary approach of design thinking i.e., understanding customer needs, generating creative ideas for the good of customer experience.

Retail Products

Retail Products function provides strategic product leadership, by understanding the consumer and delivering the best suited products. Conducting market research to understand consumer needs and strategically managing competition. Bringing a product or proposition from a concept through to market release and beyond. At HBL, Retail Products has 5 sub-functions including HBL Prestige, Premium Strategy, Liability Products, Wealth Management & Women Marketing Program & Non-Resident Pakistani Banking.

HBL Prestige

HBL Prestige is a value proposition designed to provide HBL’s HNW clients with a world class banking experience. HBL Prestige offers high level of personalized services, more rewarding in-branch experience and a wide array of products that offer unique lifestyle experiences, tailored to client requirements.

Wealth Management

A systematic marketing, distribution, and servicing of a range of insurance and investment products (3rd party products) to the right customer and at the right time. Using a variety of distribution channels within the Bank to provide the customers all financial solutions under one roof.

National Sales

The recently created function of National Sales is mandated to lead business development and sales mobilization strategy through Distribution in addition to driving Digital Initiatives for the group. Another critical sub-function of National Sales is Network Optimization responsible for the entire network’s footprint management.


The Distribution network of Branch Banking consists of 1,700+ branches, 140 Areas, 19 Regions, 6 HUBs, and 3 Clusters (South/Central/North). Each region is managed by a Regional Chief, HUB by a Senior Regional Chief, and Cluster by Distribution Head. Regional teams also consist of Regional Business Managers, Analytics Officers, and Business Development Managers – Wealth Management. Distribution plays a fundamental role in delivering the business and non-business objectives of the bank. Sales of all Deposit, Wealth, Consumer, Trade, SME, and Agri products is channeled through Distribution.


A Business support team dedicated to managing governance aspects of Branch Banking, enabling core business teams to:

  • Conduct business in the utmost regulatory compliance manner.
  • Keeping overall internal control environment intact.
  • Managing identified risks and emerging risk for mitigation.
  • Facilitating business to thrive in continuously evolving regulatory, controls, and risk dimensions.
  • Bringing efficiencies in processes, product programs, and procedures.
  • Facilitating representation in management and board committees.