NADRA Technologies Limited, a subsidiary of Pakistan’s National Database and Registration Authority (NADRA), has partnered with Karachi-based commercial bank Habib Bank Limited (HBL) to expand HBL Express, a service that allows for the payment of utility bills and sending domestic money transfers without the need for a bank account [1][2]. HBL Express will become available at the 5,500 locations at which NADRA Technologies, whose parent organization issues government identity cards, offers e-Sahulat. E-Sahulat provides a platform for individuals to pay utility bills. This service is franchised out to small businesses in Pakistan [3].
HBL operates 1,540 branches in 25 countries and in 2012 had PKR 1.6 trillion (USD 16.4 billion) in total assets [4]. The total number of agents that offer HBL Express is not available.
By Meraj Husain, Research Associate
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About Habib Bank Limited (HBL): Habib Bank Limited (HBL) is a commercial bank that was founded in 1947 and is headquartered in Karachi, Pakistan. It operates 1,540 branches and is present in 25 countries. In 2012, HBL had PKR 1.6 trillion (USD 16.4 billion) in total assets.
About National Database and Registration Authority (NADRA): National Database and Registration Authority (NADRA) is an Islamabad-based, corporate body mandated by the government of Pakistan since 2000 to maintain databases of the country’s citizens and issue national identification cards.
Sources and Additional Resources
[1] The Nation: “HBL partners with Nadra for branchless banking,” http://www.nation.com.pk/business/01-Nov-2013/hbl-partners-with-nadra-for-branchless-banking
[2] NADRA: “Profile,” http://www.nadra.gov.pk/index.php/about-us/profile
[3] The Nation: “NADRA ready to launch e-Sahulat,” http://www.nation.com.pk/lahore/22-May-2008/NADRA-ready-to-launch-eSahulat
[4] HBL: “Annual Report 2012,” http://www.hbl.com/downloads/pdf/annual/HBL_AnnualReport_2012.pdf
MicroCapital Article, May 23, 2013, MICROCAPITAL BRIEF: Pakistan’s Habib Bank Limited (HBL) Establishes Branchless Banking Service “HBL Express” https://www.microcapital.org/microcapital-brief-pakistans-habib-bank-limited-hbl-establishes-branchless-banking-service-hbl-express/
MicroCapital Universe Profile: Habib Bank Limited (HBL) https://www.microcapital.org/microfinanceuniverse/tiki-index.php?page=Habib+Bank+Limited
MicroCapital Universe Profile: National Database and Registration Authority (NADRA) https://www.microcapital.org/microfinanceuniverse/tiki-index.php?page=National+Database+and+Registration+Authority
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