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About Us

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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 Programme (AKRSP), an integrated development programme 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 underprivileged households. Through targeted financial and multi-sectoral products and services based on the evolving needs of the underprivileged, HBL MfB continues to enable its clients to strengthen their entrepreneurial base and build financial, physical, and human capital to secure their future. Currently, HBL has a majority share-holding of 90.83% in HBL MfB.

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Vision

Enable people to improve their quality of life with inclusive and innovative financial solutions

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Mission

Expand outreach in a sustainable and responsible manner by creating financial solutions for our customers

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Core Values

  • Excellence
  • Progressive
  • Integrity
  • Customer Centric
  • Value People

The Aga Khan Development Network

The Aga Khan Development Network (AKDN) is a group of development agencies with mandates that include the environment, health, education, architecture, culture, microfinance, rural development, disaster reduction, the promotion of private-sector enterprise, and the revitalisation of historic cities. AKDN agencies conduct their programmes without regard to faith, origin or gender.

For more information, visit www.akdn.org

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Corporate Information

Board of Directors

Maya Inayat Ismail

Chairperson

Abrar Ahmed Mir

Zahir Riaz

Aamir Israr Kureshi

Armughan Ahmed Kausar

Tsuyoshi Hara

Rashna Minwalla

Amir Khan

Shareholders

Habib Bank Limited (HBL)

90.83%

Aga Khan Agency for Microfinance (AKAM)

5.51%

Aga Khan Rural Support Programme (AKRSP)

2.04%

Japan International Cooperation Agency (JICA)

1.63%

Industrial Promotion Services Pakistan

0.00%

Others

Auditor

KPMG Taseer Hadi & Co.
Chartered Accountants Islamabad

Legal Advisor

M/s Ali & Ali Barristers and Corporate Consultants

Company Registration Number

I-02899

National Tax Number

1354782

Management Team

Amir Khan

President & CEO, HBL Microfinance Bank
Ali Raza Anjum

Chief Operating Officer
Wajid Ali

Head Human Resources
Rizwan Maqsood

Chief Financial Officer
Syed Jalal Shah Ahmed

Chief Information Officer
Mustafa Jamshed Gillani

Chief Digital & Financial Inclusion Officer
Mahwush Mushtaq Malik

Company Secretary & General Counsel
Chaudhary Ihsan Mehmood

Head Banking Operations
Shahid Abbasi

Head Internal Audit
Junaed Rayaz

Chief Risk Officer
Malik Adeel

Head Compliance

Awards And Recognitions

  • HBL MfB won Financial Literacy Champion Award
  • HBL MfB has been recognised as the Best Performing Bank (in medium-sized banks category) based on the second year of the Agriculture Financial Literacy Program (AFLP)
  • HBL MfB won Four awards at the Pakistan Microfinance Awards 2025:
    • Outreach Award for Gross Loan Portfolio
    • Outreach Award for Geographical Coverage
    • Champion Award for Affordable Housing
    • Leadership Award for Transformation
  • HBL MfB received 15 Global Diversity, Equity & Inclusion Benchmark (GDEIB) Awards by HR Metrics.
  • HBL MfB won the Tech Innovator Award by the State Bank of Pakistan as part of the Empower Her Campaign under Pakistan Women Entrepreneurship Day 2025.

  • HBL MfB received 13 Global Diversity, Equity & Inclusion Benchmarks (GDEIB) Awards
  • HBL MfB won Financial Literacy Champion Award
  • HBL MfB was recognised as the top issuer of PayPak Debit Cards in the Microfinance Bank category

  • HBL MfB received 15 Global Diversity, Equity & Inclusion Benchmarks (GDEIB) Awards
  • HBL Microfinance Bank awarded the ‘Best Microfinance Bank Award’ by CFA
  • HBL Microfinance Bank awarded the ‘Best Microfinance Bank Award’ by PBA
  • Best Microfinance Bank of the year for NFLP-II by SBP

  • HBL Microfinance Bank awarded the ‘Best Microfinance Bank Award’ by CFA
  • HBL Microfinance Bank awarded the ‘Best Microfinance Bank Award’ by PBA
  • HBL MfB received 10 Global Diversity, Equity & Inclusion Benchmarks (GDEIB) Awards

  • Recognised by the CFA Society Pakistan, in the category of the Best Microfinance Bank for 2021
  • HBL MfB received 7 Global Diversity, Equity & Inclusion Benchmarks (GDEIB) Awards in year 2021 for exhibiting exemplary performance in different categories such as leadership, recruitment, work-life integration, compensation, learning & development, retention and services & products

  • HBL MfB received an Award for Best Practices in the category of Recruitment, Retention, Development, and Advancement in Annual Global Diversity & Inclusion Benchmarks (GDIB) Conference and Awards 2020, based on the nomination in year 2019. This Award is a testament to our exemplary insight and fortitude in the area of workplace diversity and inclusion aligned with organizational policies.
  • In recognition of services of the bank, CFA Society Pakistan awarded runner up certificate to HBL MfB in the category of Best MicroFinanceBank of the year 2019.
  • As per SBP requirement, KPMG conducted an assessment of our Internal Audit Function for the period covering 2018-2019, and given highest rating as per IIAD Standards i.e. “Generally Conforms”.
  • In the field of Financial Literacy, SBP gave 9 awards of Best Performance Awards to HBL MfB in their regions in Gilgit, Baltistan, Chitral, Multan, Faisalabad & Islamabad.

  • Five clients of HBL MfB won Regional Awards at the 13th Citi Micro-entrepreneurship Awards organized by Citi Foundation & PPAF.
  • Bank has hit over 25 Billion Loan Portfolio
  • First Awaz and Insta 48 (Loan Origination System) recognized by Digi Awards under the category “Best Online Streaming Service and “Best Banking Tech“.
  • First Family App nominated by EFMA under the Customer Insight and Growth Banking Innovation Awards, in the category of Workforce.

  • HBL MfB has launched its ATM
  • HBL MfB was awarded best partner institute on National Financial Literacy Program by State Bank of Pakistan
  • Five clients of HBL MfB won National and Regional Awards at the 12th Citi Micro-entrepreneurship Awards organized by Citi Foundation & PPAF.
  • The Bank was awarded SMART certification for client protection standards in providing financial products and services.
  • The Bank was awarded Gold Price Disclosure Award by MicroFinanza Rating.

  • Three HBL MfB clients won Regional Awards at the 11thCiti-PPAF Micro Entrepreneurship Awards.

  • JCR-VIS Credit Rating Company Limited (JCR-VIS) has upgraded the entity ratings of HBL Microfinance Bank (HBL MfB) from “A/A-1” (Single A/A-One) to “A+/A-1” (Single A Plus/A-One). Outlook on the assigned ratings is “Stable.”
  • Five clients of HBL MfB won National and Regional Awards at the 10th Micro-entrepreneurship Awards organized by Citi Foundation & PPAF.

  • Four HBL MfB’s clients awarded National and Regional Awards at the 9th Micro-entrepreneurship Awards organized by Citi Foundation and PPAF
  • HBL MfB was awarded the approved employer accreditation by ACCA (the Association of Chartered Certified Accountants

  • HBL MfB was awarded the MF Transparency Seal of Pricing Transparency.

  • HBL MfB’s client awarded National Award for Micro Entrepreneurship organized by Citi Foundation and PPAF.

  • HBL MfB’s clients awarded National & Regional Awards for Micro Entrepreneurship organized by Citi Foundation and PPAF.

  • Achieved a credit rating of A1 (short term) and A (medium to long term) again as announced by JCR-VIS.

  • Awarded a certificate of recognition in the silver category for reporting on social indicators to the Microfinance Information Exchange (MIX) for two consecutive years by CGAP.
  • HBL MfB client awarded National Award for Micro Entrepreneurship organized by Citi Foundation and PPAF.
  • HBL MfB’s initiative of collaboration with Pakistan Post was presented at the Asia Microfinance Forum in Colombo, Sri Lanka.

  • A collaborative agreement was signed with the Harvard University for social performance research.
  • HBL MfB’s initiative of collaboration with Pakistan Post was shortlisted for the 2nd European Microfinance Award and was published in the European Dialogue, Number 2, November 2009.

  • Ranked 7th amongst the top 100 MFIs of the world in the 2008 MIX Global 100 Composite Rankings.
  • HBL MfB launches its products through the Pakistan Post Office outlets.

  • Ranked 14th amongst the top 100 MFIs of the world in the 2007 MIX Global 100 Composite Rankings.
  • Initiated a unique partnership with the Pakistan Post for increasing its outreach to remote areas.

  • Awarded the top “Financial Transparency Award 2006” by CGAP and was the only MFP in Pakistan to get this award for two consecutive years.
  • HBL MfB presented its work and experiences at seven University Seminar Series in Canada.

  • HBL MfB became the only MFP in Pakistan to become a member of the prestigious global Microfinance Network (MFN).

  • Awarded ‘5-Diamond’ Status for its high level disclosure on the MIX, CGAP’s (World Bank Affiliated) web portal.

  • Received the short term credit rating of A1+ and medium to long term rating of A+ by JCR VIS – This rating was maintained for 5 consecutive years.

  • The HBL MfB was inaugurated in the presence of His Highness the Aga Khan and President of Pakistan

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Talk to Us

Talk to us

Phone Call
Phone

0800-42563
0800-34778

Email
Email

[email protected]

Location
Location

16th Floor,
HBL Tower, Blue Area,
Islamabad.

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