Habib Bank Limited

Habib Bank Limited (HBL) operates extensively in Pakistan. It provides a wide range of financial products. These services cover personal, business, Islamic, and digital banking needs.

Personal Banking and Deposits

HBL offers multiple conventional current accounts. The HBL Freedom Account provides unlimited free cash deposits and withdrawals. It has a daily withdrawal limit of PKR 500,000. The HBL iD Account requires no minimum balance. It enables real-time inter-city funds transfer via RAAST. The HBL Asaan Account includes a PayPak debit card at opening. It has no annual maintenance fee for the first year. The HBL Basic Banking Account allows a maximum single withdrawal of PKR 50,000 per day. It also features a free PayPak-enabled debit card. The HBL Conventional Current Account offers free cheque-book issuance for 10 leaves. It processes PKR inter-city clearing in 1 business day.

Specialized current accounts are also available. The HBL Foreign Currency Current Account supports USD, EUR, and GBP. It includes a Visa USD debit card. HBL Nisa Plus Current Account has a zero balance requirement. It provides a free green Visa debit card. HBL Roshan Digital Local Currency Account is PKR-denominated. It offers full online account opening and integrates with Roshan Digital Wallet. The HBL Roshan Digital Foreign Currency Account is USD-denominated. It has a SWIFT IBAN and a contactless Visa USD debit card. eBanc by HBL (Local Account) provides free account-to-account transfers via HBL InternetBanking. It also offers a 10-leaf free cheque-book facility. eBanc by HBL (Overseas Current Account) holds multi-currencies like PKR and USD. It allows 24/7 ATM withdrawals globally.

HBL provides various savings and deposit products. The HBL PLS Savings Account pays profit semi-annually on the daily average balance. It has no minimum balance requirement. The HBL Rutba Account offers a 5.5% fixed profit rate on PKR balances. It includes unlimited ATM withdrawals at HBL machines. HBL MoneyClub Account is for minors under 18. It requires a parental co-signatory. The HBL Youth Account is for ages 18-24. It provides free SMS alerts on all transactions. HBL Pensions Account targets retirees and is PKR-only. It comes with a free debit card with global ATM access. The High Yield Foreign Fixed Deposit Account offers tenor options of 1, 3, 6, and 12 months. It features an auto-rollover facility. InvestmentPlusDeposit (IPD) is a non-rate sheet deposit. It offers special SBP-approved rates with flexible tenors from 7 days to 10 years. HBL Notice Deposit requires notice periods of 7, 14, or 30 days. It carries a 1% penalty for premature withdrawal.

April 4, 2026

HBL's Financial Performance Overview

Habib Bank Limited has released its latest financial results, showcasing robust growth across key metrics. The bank's profit after tax has seen a healthy increase, driven by strong performance in its core banking operations and strategic investments. Deposits have continued to grow, indicating strong customer confidence and market penetration.

Business and Islamic Banking

HBL supports businesses with various financing options. HBL Swift Finance is a collateralized loan against deposits or investments. It has a tenor up to 12 months with automatic rollover. Development Finance offers SBP-refinance aligned term loans up to 7 years. It features subsidized markup as per SBP schemes. SME Banking provides working capital finance up to PKR 50 million. It also includes receivables financing (invoice discounting). HBL Asaan Finance offers collateral-free micro-loans up to PKR 500,000. Disbursement occurs via mobile wallet integration. HBL Small Business Finance provides running finance up to PKR 10 million. It follows a quarterly repayment schedule. HBL Roshan Apna Ghar facilitates home financing under Diminishing Musharaka. Its profit rate is linked to KIBOR + spread. Tractor Financing offers fixed-rate term loans up to 5 years. It covers up to 90% financing of the asset cost.

Other business services include HBL POS, HBL Konnect, and HBL@Work. HBL POS terminals are EMV-certified. They support Visa, Mastercard, and UnionPay. It offers real-time settlement via HBL Cash Management. HBL Konnect is a corporate payment platform. It provides API integration and batch payment upload via CSV/Excel. HBL@Work (Transaction & Employee Banking) handles bulk salary disbursement. This is done via HBL InternetBanking. It also features an earned-benefits dashboard for employee advances.

HBL offers a comprehensive suite of Islamic banking products, adhering to Shariah principles. The HBL Islamic Basic Banking Account (BBA) is a non-profit bearing current account (Qard). It allows two free OTC debit transactions per month. The HBL Islamic Current Account is a multi-currency Qard account. It supports PKR, USD, EUR, and GBP with no minimum balance. The HBL Islamic PLS Account is Mudaraba-based. It calculates profit semi-annually on the daily average balance. HBL Al-Mukhtar Account is a Mudaraba-based PKR savings account. It offers unlimited free withdrawals, free bankers cheques, and SMS alerts. HBL Irtifa Account provides monthly profit payouts on PKR balances. It requires a minimum opening balance of PKR 500,000. HBL Islamic Nisa Tawfir is a women-only Mudaraba savings account. It includes free debit card and cheque-book issuance.

Islamic employee banking solutions are also available. HBL at Work (Islamic Basic Banking) is an employee salary account under Qard. It offers two free cash/clearing withdrawals per month. HBL at Work (Islamic Premium) is Mudaraba-based. It calculates profit semi-annually. It also includes free interbank ATM withdrawals.

Digital, Cards, and Investments

HBL provides a range of debit and credit cards. HBL World DebitCard uses contactless EMV-chip technology. It has a global ATM withdrawal limit of USD 5,000/month. HBL Gold DebitCard is dual-interface (magstripe + chip). Its online transaction daily limit is PKR 250,000. HBL Visa DebitCard supports Verified by Visa (VBV). It has a POS purchase limit of PKR 500,000/day. HBL Mastercard DebitCard is Mastercard SecureCode enabled. It has a minimum daily ATM withdrawal of PKR 20,000. HBL UnionPay DebitCard supports UnionPay QR-code payments. It is accepted at over 3,000 merchant outlets in China. HBL PayPak DebitCard is a domestic-only RuPay-linked network. It carries no foreign transaction fee. For credit cards, HBL Platinum CreditCard integrates 24/7 concierge service. Its credit limit starts at PKR 1 million. HBL FuelSaver CreditCard offers 2% cashback on fuel purchases. It provides a waiver on late payment fees once per year. HBL Rewards CreditCard ensures reward points never expire. It features contactless tap-to-pay technology.

Digital banking services are central to HBL operations. HBL InternetBanking offers a single login for web and mobile channels. It uses two-factor authentication via SMS OTP. HBL Mobile provides biometric (fingerprint/face) login. It allows in-app funds transfer to over 200 banks via RAAST. eBanc Roshan Digital Account enables overseas Pakistanis to open accounts via video KYC. It facilitates SWIFT-enabled FCY remittances. HBL Fusion supports digital submission of trade finance applications. It integrates with the State Bank's MIS portal. HBL WhatsApp Banking uses a chatbot for balance inquiries. It delivers mini-statements via WhatsApp message. HBL Pay Billing Portal aggregates merchant billing receivables. It offers auto reconciliation via API. HBL Digital Account allows branch-less account opening in 60 seconds. It issues a virtual debit card immediately.

RAAST provides real-time settlement for peer-to-peer payments. It has a maximum transfer limit of PKR 250,000 per transaction.

HBL offers various investment and treasury services. The HBL Securities Account provides direct access to PSX trading. This is done via HBL InternetBanking. It integrates with the Central Depository Company (CDC). The HBL Mutual Fund Platform enables paperless subscription and redemption. It offers real-time NAV updates on the mobile app. HBL Treasury Alert delivers daily market commentary via SMS. It also provides customized investment advisory reports.

The bank's asset quality remains strong, with a well-managed non-performing loan (NPL) ratio. HBL's diversified revenue streams, including net interest income and non-funded income, have contributed significantly to its overall profitability. The bank is well-positioned for sustained growth, supported by a solid capital base and effective risk management strategies.