Habib Bank Ltd. (HBL) is the largest commercial bank in Pakistan, with a global presence in over 20 countries and over 14 million customers worldwide.   

About HBL

Established in 1947, HBL was the first commercial bank in Pakistan. Over the years, HBL has grown its branch network and become the largest commercial bank, with over 1,700 branches and 2,000 ATMs globally. The bank has a market share of around 14 percent in terms of total deposits. As of 31 December 2018, HBL had an asset base of US$21.6 billion and a deposit base of US$15.1billion.

The Bank is a full-service commercial bank catering to all market segments. As the leading financial intuition of Pakistan, HBL is at the forefront of all development initiatives, playing a leading role in enhancing gender diversity through ensuring women’s access to the financial sector.

The Program

In 2014, the International Finance Corporation (IFC) launched an advisory project with HBL to help the bank improve its offerings to women employees and customers in Pakistan. HBL began working on a program designed to give women across the nation a chance to realize their dreams. Launched in 2016, HBL’s Women’s Market program – HBL Nisa – is a unique initiative dedicated to understanding, educating and developing services that cater to the financial needs of women. The program offers a complete suite of financial services catering to the daily banking, savings and investment, protection, and borrowing needs of customers, along with a host of value-added services.

Created as an opportunity to reach a wider audience, HBL Nisa offers women financial freedom and increased opportunities. Today, HBL is home to over 3 million women customers, with increasing numbers of women opting to enroll in the Nisa Program to gain financial independence.



HBL Nisa is the first and
only dedicated Women’s
Banking program in Pakistan.

HBL has over 3 million
women customers.

Women hold 16 percent of
total deposits at the bank.

HBL has 2,777 female
employees – representing
more than 16 percent of
its workforce.

10 percent of senior managers
at HBL are women.


The Opportunity in Pakistan


of women in Pakistan over age 15 were part of the labor force in 2017, the World Bank found.


of women in the country had a formal bank or mobile money account in 2017, according to Findex.


of women in Pakistan got a loan in 2017, yet 31% of women borrowed money that year, Findex found.


of women saved at a formal financial institution in 2017, according to Findex, but 30% of all women engaged in savings behavior that year.

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