The HBL Microfinance Bank Ltd (HBL MfB), was established in 2002 as a nationwide microfinance bank, licensed by the State Bank of Pakistan. HBL MfB was created through a structured transformation of the credit and savings section of the Aga Khan Rural Support Program (AKRSP), an integrated development program to pioneer the microfinance sector in the country since 1982 in Gilgit-Baltistan and Chitral.

HBL MfB was established with the mission to respond to poverty and contribute to the social and economic well-being of society by providing opportunities to thousands of under-privileged households. Over the years, the Bank has evolved from pioneer to leader of microfinance in Pakistan, enabling its clients to strengthen their entrepreneurial base and build financial, physical and human capital to secure their future.

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HBL Microfinance Bank LTD

This department focuses on the design, development, and maintenance of software applications.

Software Development

This department oversees the management and operations of branch locations to ensure efficiency and service excellence.

Branch Operations

This department manages and nurtures relationships with clients to ensure satisfaction and retention.

Client Relations

This department focuses on managing and facilitating loan applications and approvals for clients.

Loan Services

This department manages all activities related to credit assessment and approval processes.

Credit Operations

This department oversees and optimizes operational processes to enhance efficiency and performance across various areas.

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Branch Operations

Client Relations

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Credit Operations

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