Revenue distribution by sector:

• Lending: approx. 45%
• Deposits and account management: approx. 30%
• Investment banking and asset management: approx. 15%
• Other financial services: approx. 10%

TOP 3 markets and their percentage shares:

• Pakistan: approx. 70%
• Middle East: approx. 15%
• United Kingdom: approx. 10%

Habib Bank Limited generates the majority of its revenue from lending, followed by deposits and account management fees. The main market is Pakistan, as expected due to the strong local presence and the company's historical roots in the region. The Middle East and the United Kingdom are also significant markets served through strategic expansions and catering to expatriates and international clients.

Production Sites: Mainly in Pakistan

Habib Bank Limited (HBL) is one of the largest banks in Pakistan and primarily offers financial services. Since HBL does not produce physical products in the traditional sense, but offers banking services, the company focuses on operating branches and offices to provide these services.

The bank has an extensive network of branches in Pakistan and also operates international branches in various countries to offer its services worldwide.

Current Growth Strategy: Diversification and Digitalization

Habib Bank Limited (HBL) is pursuing a strategy of diversification and digitalization to secure future growth. The company is focused on expanding its digital banking services to enhance access to financial services and optimize the customer experience.

Another key focus is on geographical expansion into emerging markets to attract new customers and strengthen international business. HBL is also investing in sustainable financing projects to meet the growing demands for environmental and social responsibility.

Through these strategic initiatives, HBL aims to solidify its market position and achieve long-term profitable growth.

Main Imported Raw Materials/Supplies: Paper, IT equipment, office supplies
Countries of Origin: China, USA, Germany

Habib Bank Limited (HBL) is one of the largest banks in Pakistan and requires various materials and equipment for its operations. The bank mainly imports paper and office supplies that are necessary for daily operations. These materials often come from China, which is known as one of the largest exporters of paper and office supplies worldwide.

In addition, HBL imports IT equipment to support and expand its digital services. These equipments often come from the USA and Germany, which are known for their high-quality technologies and IT products. These imports are crucial to ensure the efficiency and security of the bank's services.

Market share in Pakistan: approximately 14% (estimated for 2026)
Return on Equity (ROE): approximately 15% (estimated for 2026)
Cost-Income Ratio: approximately 55% (estimated for 2026)

Habib Bank Limited (HBL) is one of the largest banks in Pakistan and has a significant competitive advantage due to its strong market presence and extensive branch network. With an estimated market share of around 14% in 2026, HBL remains a dominant player in the Pakistani banking sector.

The return on equity of about 15% indicates that HBL operates efficiently and is able to generate good returns for its shareholders. This is an indicator of the bank's strong operational performance.

The cost-income ratio of approximately 55% suggests that HBL manages its cost structure well and remains competitive compared to many international banks. This allows the bank to maintain its margins and continue to operate profitably.

In summary, it can be said that HBL has a strong competitive advantage due to its market position, efficiency, and profitability. This is further strengthened by its ability to achieve stable financial results in a challenging economic environment.

Institutional Investor Share: Estimated 30% (2026)
Insider Buys/Sells: No significant transactions reported (2026)

The institutional investor share in Habib Bank Limited is approximately 30%. This indicates a moderate interest from institutional investors, suggesting a certain level of stability and confidence in the bank's long-term performance.

No significant insider buys or sells were reported for the year 2026. This could indicate that the management and other insiders are satisfied with the current valuation and future prospects of the company.

Market share of Habib Bank Limited (HBL): 12% (estimated, 2026)

Top competitors and their market shares:

1. National Bank of Pakistan (NBP): 15%
2. United Bank Limited (UBL): 13%
3. Habib Bank Limited (HBL): 12%
4. MCB Bank Limited: 11%
5. Allied Bank Limited (ABL): 9%
6. Bank Alfalah: 8%
7. Bank of Punjab: 7%
8. Faysal Bank: 6%
9. Standard Chartered Bank Pakistan: 5%
10. Meezan Bank: 4%

Moat of Habib Bank Limited:

Habib Bank Limited has a significant moat, primarily characterized by its strong brand recognition and extensive branch network in Pakistan. The bank has a long history and enjoys high trust among its customers, helping it maintain a stable customer base.

Compared to competitors, HBL has the advantage of a broad international presence, allowing it to benefit from global financial flows. This is an advantage over some local banks that focus more on the domestic market.

However, banks like the National Bank of Pakistan and United Bank Limited also have strong moats, especially through government support and extensive networks. These factors make the competition intense, with no clear advantage for HBL that sets them significantly apart from their competitors.

Overall, HBL's market share is solid, but the competition remains tough as all major banks offer similar services and must differentiate themselves through innovation and customer service.

Revenue Growth: 8% (2025) Profit Growth: 5% (2025) Return on Equity: 12% (2025)

Habib Bank Limited (HBL) recorded a solid revenue growth of 8% in 2025, indicating strong operational performance and effective expansion into new markets. The 5% profit growth demonstrates the company's ability to increase its profitability despite a competitive environment.

The 12% return on equity is an indicator of efficient use of equity to generate profits. This metric is higher compared to many competitors in the banking sector, suggesting good management performance and solid business practices.

In summary, Habib Bank Limited can be considered an attractive investment opportunity due to its stable financial performance and ability to grow in a challenging market environment. However, potential investors should also consider macroeconomic factors and geopolitical risks in the region that could impact future performance.

Dividend Yield: 6.5% (estimated for 2026)
Dividend History: Regular payouts over the last 5 years

Habib Bank Limited has pursued a stable dividend policy in recent years. The estimated 6.5% dividend yield for 2026 is based on the payouts of recent years and the current market trends.

The bank has consistently distributed dividends in the past, indicating a reliable payout policy. This reliability is a positive signal for investors aiming for regular returns on their investments.