Habib Bank Limited (Urdu: حبیب بینک) abbreviated as HBL, is a Pakistani multinational bank based in Habib Bank Plaza, Karachi, Pakistan.Mohammed Ali Jinnah, Pakistan's first Governor General, realized the importance of financial intermediation while he was campaigning for the creation of a separate homeland for the Muslims. He persuaded the Habib family to establish a commercial bank that could serve the Muslim community.