Habib Metropolitan Bank
Habib Metropolitan Bank is a Pakistan-based, full-service commercial bank (PSX: HMB) serving retail, SME, corporate, priority, and Non-Resident Pakistani customers through 400+ branches, digital platforms, and 500+ correspondent banks globally, offering deposits, lending, trade finance, Islamic banking, and remittances.
- Company typePrivate
- Founded1992
- HeadquartersKarachi, Pakistan
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Habib Metropolitan Bank does
Habib Metropolitan Bank Limited is a Pakistan-based, full-service commercial bank headquartered in Karachi and listed on the Pakistan Stock Exchange (HMB). It operates as a subsidiary of Habib Bank within the Habib Group conglomerate and serves retail individuals, SMEs, large corporates, Non-Resident Pakistanis, priority/high-net-worth clients, and agricultural customers through a hybrid physical-and-digital distribution model spanning 400+ domestic branches, the Insta mobile and internet banking platforms, and a network of 500+ correspondent banks globally. Its product architecture is organized into Personal Banking (current accounts, savings accounts, fixed deposits, home finance up to PKR 100M, auto finance up to PKR 3M), Business Banking (corporate and trade finance, investment banking, transaction banking, SME lending up to PKR 200M, agriculture financing, and HABIBMETRO@Work payroll), and Digital Banking, with two sub-brands — SIRAT for Shariah-compliant Islamic banking and PRIORITY for premium clients. The bank monetizes primarily through interest income on financing facilities, fee and commission income on transactional and trade services, and remittance processing fees. It is currently migrating its transaction processing and card-issuing infrastructure to BPC's SmartVista platform to serve its 850,000+ cardholder base, which already executes 3.2M+ transactions daily, and it has built out a Roshan Digital Account (RDA) ecosystem aligned with the State Bank of Pakistan's NRP initiative covering home finance, auto finance, equity investments, and loyalty rewards.
Habib Metropolitan Bank firmographics
Firmographics- Name
- Habib Metropolitan Bank
- Legal name
- Habib Metropolitan Bank Limited
- Website
- https://habibmetro.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Habib Metropolitan Bank is a Pakistan-based, full-service commercial bank (PSX: HMB) serving retail, SME, corporate, priority, and Non-Resident Pakistani customers through 400+ branches, digital platforms, and 500+ correspondent banks globally, offering deposits, lending, trade finance, Islamic banking, and remittances.
- Ownership category
- akta.pro rank
Habib Metropolitan Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- Islamic SME & Commercial Banking (FSABAGAB)
- akta.pro secondary industries
- Islamic Corporate Banking (FSABAGAC), Islamic Retail Banking (FSABAGAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF)
Keywords
Where Habib Metropolitan Bank is headquartered
LocationHeadquarters
- HQ city
- Karachi
- HQ country
- Pakistan
- HQ region
- Asia
Offices3 records
Markets served
Habib Metropolitan Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: The bank generates primary revenue through interest income on lending products including home finance, auto finance, corporate loans, trade finance, and SME financing. Interest is charged on financing facilities at variable and fixed rates.
- Fee and Commission Income: Fees generated from account maintenance, transaction processing, card services, trade finance documentation, corporate banking services, and various banking services as per Schedule of Charges.
- Remittance Services: Income from home remittance services under Pakistan Remittance Initiative, processing fees from international money transfers through correspondent banking network.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Silver Current Account - Premium tier with 25 free services for customers maintaining Rs. 50,000 monthly average balance |
| Subscription | Monthly | Super Current Account - Unlimited transactions with Rs. 100,000 minimum balance |
| Freemium | Pay-as-you-go | Asaan Current Account - Zero balance requirement account |
| Subscription | Monthly | Home Finance - Residential property financing up to Rs. 100 million |
| Subscription | Monthly | Auto Finance - Vehicle financing up to Rs. 3 million |
| Subscription | Pay-as-you-go | Naya Pakistan Certificates - Government securities for RDA holders |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Habib Metropolitan Bank product offering
Product offeringCore offering
Habib Metropolitan Bank is a Pakistan-based commercial bank offering deposit products (current accounts, savings accounts, fixed deposits), consumer financing (home and auto finance), corporate banking, trade finance, SME lending, agriculture financing, treasury services, and Islamic banking. The bank also distributes bancassurance products, processes international remittances, and serves Non-Resident Pakistanis through the Roshan Digital Account platform, delivering services through 400+ branches and digital channels including the Insta Mobile App.
Product overview
Habib Metropolitan Bank is a Pakistan-based commercial bank offering a comprehensive, multi-segment banking platform organized across Personal Banking, Business Banking, and Digital Banking pillars. The product architecture is platform-based: its core banking platform handles current accounts, savings accounts, and fixed deposits (including Mahana Deposit, Premium Deposit, Pakistan Banao Certificates, Bharpoor Munafa Term Deposit, and Short Notice Term Deposit), supplemented by dedicated financing verticals for home finance, auto finance, SME banking, and agriculture financing. The bank operates two sub-brands: SIRAT for Islamic banking and PRIORITY for premium/high-net-worth customers. Digital banking is delivered through the Insta Mobile App, online banking portal, and Insta Account (digital-only account), supported by a card portfolio spanning Visa Debit, PayPak, and VISA Infinite Metal. Specialized programs include Roshan Digital Account (SBP initiative for overseas Pakistanis) with sub-products Roshan Apna Ghar, Roshan Apni Car, and Roshan Equity Investments; Global Remittances via MoneyGram and Ria; and the Sohni Dharti loyalty program. Corporate services encompass transaction banking, trade finance, investment banking, treasury, and HABIBMETRO@Work payroll solutions. Bancassurance and bancatakaful products are distributed through partner insurers including Adamjee Life, EFU, and Jubilee.
Differentiator
Problem solved
Functional benefit
Brands
- SIRAT: Islamic banking sub-brand offering Shariah-compliant banking products and services including current accounts, savings accounts, home finance, and auto finance under Islamic principles.
Products and services
- Current Accounts
- Saving Accounts
- Fixed Deposits
- Home Finance
- Auto Finance
- Roshan Digital Account
- Roshan Apna Ghar
- Roshan Apni Car
- Roshan Equity Investments
- Global Remittances
- Sohni Dharti Remittance Program
- PRIORITY Banking
- Corporate Banking
- Transaction Banking
- SME Banking
- Agriculture Financing
- Bancassurance and Bancatakaful
- HABIBMETRO@Work
- Trade Finance
- Treasury Services
- Naya Pakistan Certificates
- SIRAT Islamic Banking
- Ladies Financial Services
- Corporate Internet Banking
Quantifiable outcome
- 850,000+ cardholders benefiting from upgraded payment infrastructure
- +2 more outcomes
Companies that use Habib Metropolitan Bank
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles6 records
Habib Metropolitan Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature4 records
Habib Metropolitan Bank partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- BPCcoreBPC's SmartVista platform selected for upgrading Habib Metro's transaction processing and card issuing capabilities. Over 850,000 cardholders will benefit with physical debit cards, virtual cards, and GooglePay functionality. Bank processes 3.2+ million daily transactions.
- Adamjee Life Assurance Co. Ltd.coreBancassurance partnership distributing unit-linked savings plans (Parvaaz), health plans, education and marriage plans, and takaful products through bank branch network.
- Adamjee Life Window Takaful OperationscoreIslamic insurance (takaful) products including Parvaaz WTO Takaful Savings and Health Plan, Education and Marriage Plan with free Hajj coverage.
- EFU General InsurancecoreProvides handbag insurance (up to Rs. 55,000), auto insurance for RDA customers, and complimentary insurance for HABIBMETRO@Work employees.
- Jubilee Life TakafulcoreTakaful insurance partner offering personal accidental death coverage, outstanding loan protection, and medical expense coverage for RDA holders.
- MoneyGram InternationalcoreInternational remittance partner enabling overseas Pakistanis to send money to Pakistan through MoneyGram's global network.
- Ria Money TransfercoreInternational remittance partner for home remittance services under Pakistan Remittance Initiative.
- MCB BankcoreCorrespondent banking arrangement allowing non-Habib Metro customers to collect cash remittances from any MCB Bank branch.
- International Finance Corporation (IFC)coreHabib Metro was first bank in Pakistan to join IFC's Global Trade Finance Program (GTFP), enabling bank guarantees through panel of 70 countries.
- Asian Development Bank (ADB)coreMember of ADB's Trade Finance Facilitation Program (TFFP). Received multiple awards including Leading Partner In Pakistan (2015-2016) and Best SME Trade Deal (2017).
- Honda Atlas Cars PakistanminorVehicle supplier for Roshan Apni Car auto financing program with priority delivery arrangements for RDA customers.
- Toyota Indus MotorsminorVehicle supplier for Roshan Apni Car program offering priority delivery for RDA financing customers.
- KIA Motors PakistanminorVehicle supplier for Roshan Apni Car program with priority delivery for RDA customers.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Habib Metropolitan Bank competitors and assessment
Company assessmentDirect peers
- JS Bank: Mid-sized Pakistani commercial bank with retail, corporate, SME, and Islamic banking operations. JS Bank's digital-led growth strategy and product mix make it a comparable peer for HabibMetro in the mid-market commercial banking segment.
- Meezan Bank: Pakistan's largest Islamic bank operating as a pure-play Shariah-compliant franchise. Meezan is the primary direct competitor for HabibMetro's SIRAT Islamic banking window and offers comparable current accounts, financing products, and digital banking services under Islamic principles.
- Allied Bank Limited: Mid-sized Pakistani commercial bank with comparable retail, corporate, and Islamic banking offerings. Allied Bank's branch network and product mix position it as a directly comparable mid-market peer.
- Bank Al Habib: Habib Group sister bank and one of Pakistan's major private commercial banks. Shares the Habib brand heritage and operates a comparable full-service commercial banking model with retail, corporate, and Islamic banking offerings.
- Bank Alfalah: Major Pakistani commercial bank with similar full-service retail, corporate, SME, and Islamic banking operations. Bank Alfalah's strong digital banking push and corporate banking franchise make it a directly comparable peer for HabibMetro.
- United Bank Limited (UBL): One of Pakistan's largest private-sector commercial banks with comprehensive retail, corporate, and Islamic banking operations. UBL's nationwide branch network, digital banking platform, and corporate banking franchise make it a directly comparable peer across most of HabibMetro's primary segments.
- MCB Bank: Mid-to-large Pakistani commercial bank with strong retail and corporate banking franchise, extensive branch network, and growing digital banking presence. MCB's product breadth (current/savings accounts, financing, trade finance, treasury) closely mirrors HabibMetro's offering.
- Habib Bank Limited: Largest commercial bank in Pakistan and parent company of Habib Metropolitan Bank. HBL operates a similar full-service commercial banking franchise with retail, corporate, SME, Islamic, and treasury operations, providing the closest direct comparison for HabibMetro's business model and product mix.
- National Bank of Pakistan (NBP): State-owned largest Pakistani commercial bank by branch network, offering retail, corporate, SME, and agricultural financing. NBP's extensive government and institutional relationships make it a relevant peer for HabibMetro's corporate and trade finance segments.
Broad incumbents
- Standard Chartered Bank Pakistan: Global bank's Pakistan subsidiary operating in corporate, institutional, and premium retail banking. Standard Chartered's trade finance capabilities and correspondent banking relationships make it a relevant peer for HabibMetro's corporate and trade finance operations, though it does not focus on mass-market retail.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Habib Metropolitan Bank social profiles
Digital presenceHabib Metropolitan Bank compliance and trust
Trust signalCompliance1 record
Habib Metropolitan Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Habib Metropolitan Bank leadership team
Management profileNumber of profiles
Profiles2 records
Habib Metropolitan Bank subsidiaries and ownership
Company hierarchySubsidiaries3 records
Habib Metropolitan Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Habib Metropolitan Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Habib Metropolitan Bank
What does Habib Metropolitan Bank do?
Habib Metropolitan Bank is a Pakistan-based commercial bank offering deposit products (current accounts, savings accounts, fixed deposits), consumer financing (home and auto finance), corporate banking, trade finance, SME lending, agriculture financing, treasury services, and Islamic banking. The bank also distributes bancassurance products, processes international remittances, and serves Non-Resident Pakistanis through the Roshan Digital Account platform, delivering services through 400+ branches and digital channels including the Insta Mobile App.
Is Habib Metropolitan Bank a public or private company?
Habib Metropolitan Bank is a private company. It is classified as public and is currently operating.
When was Habib Metropolitan Bank founded?
Habib Metropolitan Bank was founded in 1992. It employs 5,001 to 10,000 people.
Where is Habib Metropolitan Bank based?
Habib Metropolitan Bank is headquartered in Karachi, Pakistan, in the Asia region.
How does Habib Metropolitan Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income and remittance Services.
Who are Habib Metropolitan Bank's main competitors?
Direct peers on record are JS Bank, Meezan Bank, Allied Bank Limited, Bank Al Habib, Bank Alfalah, United Bank Limited (UBL), MCB Bank, Habib Bank Limited and National Bank of Pakistan (NBP). Standard Chartered Bank Pakistan is listed as a broad incumbent.
Does Habib Metropolitan Bank have an API?
No public API is recorded for Habib Metropolitan Bank.
What industry is Habib Metropolitan Bank in?
Habib Metropolitan Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABAGAB, Islamic SME & Commercial Banking, with a secondary code of FSABAGAC, Islamic Corporate Banking. Its NAICS code is 522110 and its SIC code is 6021.