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.