Corporate Social Responsibility

Bank AL Habib is fully committed to the concept of Corporate Social Responsibility and fulfills this responsibility by engaging in a wide range of activities including: Corporate philanthropy amounting to Rs. 771.23 million by way of donations & charities during the year for social and educational development and welfare of people Energy conservation, environmental protection, and occupational safety and health by restricting unnecessary lighting, implementing tobacco control law and "No Smoking Zone", and providing a safe and healthy work environment Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank's "Code of Conduct" and "Anti-Bribery and Corruption Policy" Consumer protection measures, requiring disclosure of the schedule of charges and terms and conditions that apply to the Bank's products and services Amicable staff relations, recognition of merit and performance, and on-going opportunities for learning and growth of staff, both on-the-job and through formal training programmes Employment through a transparent procedure, without discrimination on the basis of religion, caste, language, etc., including employment of special persons

Individual Financing

AL Habib Biometric App

3D Secure

Following Debit Cards and Credit Cards of Bank AL Habib are now protected by 3D Secure. Visa Debit Cards: Platinum, Gold, and Silver PayPak Debit Card Mastercard Credit Card: Classic & Gold 3D Secure is the latest technology aimed at improving online security through authentication of each transaction by the cardholder so that you use your card with more confidence and peace of mind. With this service, when you use your Bank AL Habib Debit or Credit Card on websites that display "MasterCard SecureCode” and “Visa Secure” sign respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction. To perform E-Commerce transactions on your cards, please call our 24/7 call center on (+92-21) 111-014-014 to activate the service. Note: E-Commerce per day transaction limits of VISA and PayPak Debit Cards is clubbed with POS limits. Click here to download Rules/Terms & Conditions Click here to download the PayPak 3D Secure - Merchant List 3D Secure Enablement Process 1 Shop online at any 3D Secure enabled website 2 Enter your Card details in payment section 3 You will receive an email (if available) and SMS with a unique 6-digit OTP 4 Enter the unique 6-digit OTP shared by the Bank 5 Upon submission, your transaction will be processed Disclaimer Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session. In case a non 3D Secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites. Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information. Please contact our 24/7 call center on (+92-21) 111-014-014 to activate the e-commerce service on your card. .featureWrapper { display: inline-block; text-align:center; width:100%; } .featureWrapper .featureImg { padding-right: 0; text-align:center; height:100px; line-height:100px; margin-bottom:15px; } .featureWrapper .featureImg img { width: 20%; } span.step { /* float: left; */ width: 35px; height: 35px; background: #fbb040; line-height: 35px; text-align: center; display: block; margin: 0 auto 15px auto; font-weight: bold; font-size: 20px; border-radius:100%; } .bgPosBtmLeft { background-position: center center !important; }

Rewards Program

Introduction Earn Reward Points with every PKR. 50 (or equivalent foreign currency) purchases on Basic or Supplementary Cards. Redeeming your Reward Points for desired items or services is quick and easy. Choose from a wide variety and options available at our Reward Points Redemption Partners. Only 2500 Reward Points are required to embark on the redemption journey. Just call our Helpline for redemption. Program Details Monetary value of Reward Points is Rs 0.10 per Rs 50 of retail spend, on all outstanding points. FOREX Premium Charges on all foreign retail transactions is 4.5%. How To Redeem Reward Points Download Reward Redemption Form Download Scan and Email it to info@bankalhabib.com Call us at our Helpline (021) 111-014-014 Reward Points Calculator Submit Captcha is required Points Earned Value of Points (in PKR)

Download Forms

Financial Reporting and Internal Control

Financial Reporting and Internal Control The Bank shall regularly prepare financial reports and accounts and present the same to the Board for review and analysis. The Bank shall maintain an effective Management Information System to monitor its performance and to detect early warning signals in major risk areas, and to ensure that the Bank’s records are accurate. The Bank shall maintain an effective system of internal controls to mitigate risks and to ensure that assets are safeguarded. The Bank shall maintain an effective internal audit system in order to ensure integrity of our operations and reliability of financial information.

Deals & Discounts

Guarantees

Foreign Bank Guarantees Upon the request of our customers and against collaterals and limits accorded to them subject to approval of our Central Bank (if required), we issue Counter Guarantees ( SBLCs, Performance Bonds, Bid Bonds and Advance Payment Guarantees etc) to our Foreign Correspondent Banks. Against Counter Guarantees of Foreign banks we issue our Guarantees to beneficiaries in Pakistan. It is based on the concept that the issuer undertakes to pay the beneficiary upon presentation of complying demand.

Refinance Scheme for COVID19

Refinance Scheme for Hospitals and Medical Centers Refinance Scheme for Payment of Wages & Salaries Risk Sharing Facility to Support Employment & Prevent Layoff Refinance Scheme for Hospitals and Medical Centers As medical centers and hospitals are grappling with the implications of the Covid-19 pandemic and the sheer volume of demand for supplies to treat the infected patients. The State Bank of Pakistan announces an emergency support for medical and healthcare facilities through its Refinancing scheme. Scope & Eligibility Criteria Long term finance facility for purchase of new imported and locally manufactured medical equipment to be used for combating COVID-19. All hospitals and medical centers registered with respective provincial/federal agencies/commissions engaged in controlling and eradication of COVID-19 will be eligible under the facility. Salient features of the scheme are as follows: Maximum financing limit Rs.200 Million (per Hospital/Medical Centre) Tenor 5 years including grace period of up to 6 months Civil Work Up to 60% cost of civil works for setting up of isolation wards only End User Rate Maximum 3% per annum (SBP rate of refinance will be 0%) Repayment Qua