SME Banking

Offeredfor SMEs SME Products and Services SBP Refinance Schemes OtherSchemes SME Products & Services For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures. SME Definition Classification Annual Sales Turnover Limit / Exposure SE Up to PKR 150 Million PKR 25 Mio Start-up SE A small enterprise up to 5 years old will be considered as start-up SE ME Above PKR 150 Million to PKR 800 Million PKR 200 Mio Start-up ME A Medium Enterprise up to 5 years old will be considered as start-up ME SBP Policy - Promotion of SME Finance Download PDF *Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch. Downloads Prudential Regulations of SBP for SMEs SME Financing and Services Working Capital Financing Short Term Financing Long Term Financing Commercial Vehicle Financing AL Habib Zariya / Receivable Financing Export/Import Auto Lease Trade Finance Guarantees Refinance Facility for Modernization of SME SBP introduced the scheme for SMEs to modernize and also to address power shortages. View Details Refinance & Credit Guarantee Scheme for Women Entrepreneur SBP introduced the scheme for the Women Entrepreneurs. View Details Small Enterprise & Credit Guarantee Scheme for Special Person SBP introduced the scheme for Special persons falling under small enterprise (SE) category. View Details Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise SBP introduced the scheme for working capital financing of Small Enterprise & Low End Medium Enterprise. View Details Long Term Financing Facility (LTFF) for Plant and Machinery SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower. View Details Export Finance Scheme SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products. View Details Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS) Government of Pakistan has approved revisions in the key features of PMKJ-YES with a view to make it more purposeful and beneficial for small businesses and agriculture. View Details Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details

AL Habib Stock Market Investment

Investment in Pakistan Stock Exchange (PSX) at Your Convenience Bank AL Habib account holders may now open an account digitally with Central Depository Company (CDC) / Brokerage House through a Digital process. This is an ideal opportunity for Bank AL Habib account holders (Local) to invest in Pakistan’s capital market and earn competitive returns offered by Pakistan Stock Exchange (PSX). The following customer information will be required: Permission to share the KYC/CDD details, documents and Specimen Signature with CDC for onward sharing with Trading Right Entitlement Certificate Holder (TREC), National Clearing Company of Pakistan (NCCPL) Consent on Terms & Conditions for opening of Account with TREC holder and opening of CDC account Select a TREC Holder with whom he/she wishes to trade Apply Now Key Features Digital access to Pakistan Stock Exchange Trading Account Opening Digitally Select the broker of your choice to open Trading Account User friendly, fully automated and integrated system Safe and secure custodial services Email & SMS Alert Facility Step for Investment Broker List Brokers Connected with CDC Disclaimer: Bank AL Habib Limited bears no responsibility for any action / investment made in reliance of research reports of any brokerage house. The analysis and recommendation in the research reports are of the brokerage companies themselves and Bank AL Habib Limited does not recommend any investment decision based on them. Customers are requested to take their own investment decisions considering all influencing elements including but not limited to the market risk. AL Habib Stock Market Investment Tutorial × .downloadListItem{background-color: #fff;} body.dark-mode .downloadFieldWrapper .downloadList .downloadListItem { background-color: #202020; } .bgPosBtmLeft { background-position: top !important; } @media (max-width: 575.98px) { .featureWrapper { flex-wrap: nowrap; text-align: left; } }

Home Remittance

INTRODUCTION REMIT ACCOUNT REMITTANCE TRACKER SERVICES REMITTANCE PARTNERS SOHNI DHARTI AL Habib Remit Every year thousands of Pakistani expatriates open the door for foreign currency inflow to our country. These Home Remittances have now evolved as a key factor in supporting our country’s economy. Bank AL Habib Home Remittance Division is facilitating overseas Pakistanis around the globe and their loved ones in Pakistan by providing value-added services to remitters and beneficiaries under the special Home Remittance arrangements. AL Habib Remit Contact Details For any queries, information or complaints regarding our Home Remittance services, please feel free to contact our 24/7 Call Centre at (92-21) 111-014-014, for international customers dial 92-21-32446978-79 or Home Remittance Division at (92-21) 32417837 / 32472140 / 32473008 & 32480209 PABX: 0092 21 32480124 - 34 Ext: 119, 118, 113, 112, 114 & 116 or e-mail us at hroperations@bankalhabib.com

Roshan Qurbani

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)

AL Habib FX Gateway

Introduction AL Habib FX Gateway is specifically designed to cater to customers growing need of digitization with respect to Foreign Exchange (FX) cases. This portal provides a single screen to meet all our customers’ needs for submitting FX cases enabling enhanced customer experience and providing ease to initiate FX related cases without having to visit any branch. This user guide contains instructions regarding the procedure to sign up and initiate the cases. Click here to download the user guide. FX Gateway Login FX Portal Awareness and User Feedback Survey Downloads FX Telegraphic Transfer Forms FX Telegraphic Transfer Form For Individuals FX Telegraphic Transfer Form For Entities

Small Enterprise Financing and Credit Guarantee Scheme for Special Persons

Introduction SBP introduced the scheme for Special persons falling under small enterprise (SE) category. Financing Tenor 5 Years (6 months grace period) Mark Up Rate 5% Per Anum Limit/Exposure 1.5 Million Maximum Salient Features Financing under the scheme will be available to special persons holding CNIC with disability logo/ symbol. Financing shall be provided for setting up of new business enterprise or for expansion of existing one. Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Email Us info@bankalhabib.com BAHL Helpline (021) 111-014-014

Customer Awareness

Important information pertaining to features of currency notes, illegal money value transfer services, and other announcements can be found here. Money Laundering & Terrorism Financing notice SBP Awareness Videos SBP Awareness video ×

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

AL Habib Digital Account