Customer Security Awareness

Introduction For the Netbanking Customers of Bank AL Habib, an extensive Customer Awareness Programme has been established to make our customers aware of initiatives undertaken by the Bank to facilitate its customers in enjoying secure internet banking. Security Tips Latest Internet Threats Identity Theft SIM Replacement Social Media Keystroke Capturing Social Engineering From time to time, Bank AL Habib will also issue updated guidelines and alerts for the continued security of our customers while using the Netbanking services. These guidelines/alerts are formulated both in En

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Direct Debit Facility

Apni Car

AL Habib Signature Account

Credit Ratings

Pakistan Credit Rating Agency Limited (PACRA) has maintained the Bank's long term entity and short term entity ratings at AAA (Triple A) and A1+ (A One plus), respectively. This long term credit rating AAA (Triple A) denotes the highest credit quality with the lowest expectation of credit risk, and indicates exceptionally strong capacity for timely payment of financial commitments. The ratings of our unsecured, subordinated Term Finance Certificates (TFCs) are AAA (Triple A) for TFC-2018, TFC-2021 and TFC-2022, and AA+ (Double A plus) for TFC-2017 (perpetual) and TFC-2022 (perpetual). These ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments. Further, the TFC-2022 & the TFC-2022 (perpetual) issued in 2022, were listed on Pakistan Stock Exchange (PSX) pursuant to Chapter 5C of PSX Rule Book. The ratings reflect BAHL’s strong performance, exceptional asset quality and healthy financial profile emanating from a strong equity base. The Bank’s business strategy derives strength from its strong positioning in niche market-trade finance. The ratings draw comfort from the Bank’s experienced management team, prudent risk management policies and deep rooted relationship with clients-borrowers as well as depositors. The ratings incorporate the Bank’s abil

Other Information

“Membership of industry associations and trade bodies of the Bank are KCCI, PBA and 1Link.” “Award of Recognition, 2010” from International Finance Corporation (IFC) as the Most Active GTFP (Global Trade Finance Program) Issuing Bank in Middle East & North Africa for “South-South” Trade. This is the second consecutive year that the Bank received an award from IFC in recognition of participation in GTFP. “The Strongest Bank Balance Sheet in Pakistan, 2013” by The Asian Banker. This certification is based on the strength, liquidity and sustainability of the balance sheet in a challenging market place. “TFP Award 2017” from Asian Development Bank (ADB). The Bank has received Trade Finance Program Award for leading Partner Bank in Pakistan 2017. “Bank of the Year (Mid-Size Banks) 2017” by CFA Society Pakistan. This is the sixth time that the Bank has received this award, having received it earlier for the years 2009, 2010, 2011, 2012 and 2016. “Top 25 Companies Award” for the year 2017 and “Top 25 Companies Award” for the year 2019 by the Pakistan Stock Exchange Limited. Criteria for the award include dividend payout, capital efficiency, profitability, free-float of shares, transparency, corporate governance & investor relation and compliance with listing of companies & securities regulations. Alhamdolillah, this is the eighth time that the Bank has been selected for this award. 

Roshan Pension Plan

Roshan Pension Plan The Roshan Pension Plan is a Voluntary Pension Scheme that aims to provide a personalized and flexible opportunity to fund Roshan Digital Account Holder’s Retirement. The Investment will be managed by a team of Professional Pension Fund Managers. AL Habib Roshan Digital Account Holders can save to maintain financial stability and comfort in the form of steady income after retirement. The Overseas Pakistani Roshan Digital Account Holder can now decide how much to invest in this scheme, and they can continue to invest even while switching jobs. Apply Now Eligibility Criteria AL Habib Roshan Digital PKR Account Holders only Key Features A very flexible savings cum investment plan Desired investment exposure to high yielding assets Facilitates individuals to save systematically for their retirement savings topped with investment returns After reaching retirement age, get monthly income from your accumulated investments or withdraw a lump sum amount Allocation Schemes Contributions allocated among the Units of Sub-Funds as Net Asset Value, as per selected Allocation Scheme: Allocation Scheme Equity Sub Fund Debt Sub Fund Money Market Sub Fund Medium Volatility 40% 50% 10% Low Volatility 10% 60% 30% Lower Volatility Nil 40% 60% Documents Required CNIC Copy of Participant/ POC Business Employment / Other Proof of Income/Fund AL Habib Roshan Pension Plan Tutorial .contentSection.documents-required ul li { margin-top: 35px; margin-bottom: 0; font-size: 1.2rem; padding-left: 25px; } .contentSection ul li { line-height: 1.5; }

Term Deposit

Fixed Term Deposit Salient Features Up to 90% Financing against deposit for PKR only Minimum Deposit required of PKR 25,000 Available in Tenure of 1 month, 2 months, 3 months, 6 Months & 1 to 5 Years Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.00% p.a 3 Months Deposit 8.50% p.a 6 Months Deposit 8.00% p.a 1 Year Deposit 9.60% p.a 2 Year Deposit 7.60% p.a 3 Year Deposit 7.60% p.a 4 Year Deposit 7.10% p.a 5 Year Deposit 7.10% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit *Expected Rate of Return on deposit effective January 01, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Book A Fixed Term Deposit Visit nearest Bank AL Habib Branch or download form online and submit the duly completed form with all supporting documents. Download Form Download KFS All taxes will be imposed as per government regulation and directives by State Bank of Pakistan. Apply Now

Supreme Court & Prime Minister fund for Diamer & Bhasha Dams

Introduction In accordance with the directives of the State Bank of Pakistan, Bank AL Habib has opened an account titled “The Supreme Court of Pakistan and the Prime Minister of Pakistan Diamer-Bhasha and Mohmand Dams Fund” where donations/contributions can be deposited to raise finances for construction of the above mentioned dams. Notice of Complains for Diamer-Bhasha and Mohmand Dam Fund Diamer Bhasha And Mohmand Dam Fund Donation Donations and contributions to this fund can be made in the form of cash, cheque, prize bonds and other cash equivalents at any of our branches and sub branches nationwide or through our following digital channels: ATMs AL Habib Mobile and Netbanking Mobile Banking