Habib Bank (HBL) is a commercial bank founded in 1941 and based in Karachi, Pakistan. The bank caters to both individual and commercial customers across the Asia Pacific, Europe, North America and Middle East. HBL offers services in the areas of corporate and commercial banking, small and medium enterprises banking, global treasury, investment banking, Islamic banking, cash management, and asset management. The bank's investment banking arm provides services in the areas of project finance, debt capital markets, syndications, securitizations, capital raising, restructurings, public and private equity placements, and mergers and acquisitions. HBL has a large corporate banking portfolio with an active investment banking arm. The bank also offers SME and Agriculture lending programs and banking services through urban and rural centers.