Investor Information

Listed on Pakistan Stock Exchange Symbol BAHL Website www.psx.com.pk Earnings per share, P/E Ratio and Break-up value as of Dec 31, 2024 is as follows: 3.66x Price earnings ratio Rs. 117.31 Break-up value per share (excluding surplus on revaluation) 170.00% Dividend Payout Dec-2024 Bank AL Habib Highlights Download PDF For the Financial Year ending on 31st Dec, 2024 Profit before tax PKR 83.84 Bn 17.9% Growthfrom Dec 2023 (Dec 2024 as compared to the Dec 2023) Assets Liabilities Revenue Total Assets increased by 20.99% in December 2024 as compared to the December 2023 Total Liabilities increased by 21.18% in December 2024 as compared to December 2023 Total Income increased by 23.31% in December 2024 as compared to December 2023 TotalNetwork 1242 Branches & Sub-Branches Domestic ATMNetwork 1300+ Onsite & Offsite Installations Total CitiesServed 495 in Pakistan and across the World Total Foreign RepOffices & Branches 6 Countries Across the Globe TotalAssetsPKR 3.320 Tr EarningPer SharePKR 35.87 Awards By the Grace of Allah, the Bank received the following awards during the year: "Outstanding Global Trade Finance Program (GTFP) Issuing Bank" in SME Transactions - Middle East 2024 award for supporting Small and Medium Sized Enterprises' (SME) transactions conducted under IFC's Global Trade Finance Program (GTFP). "4th Largest Bank in Pakistan Remittance Market" Award from the State Bank of Pakistan under the Pakistan Remittance Initiative (PRI) at the Pakistan Remittance Summit – 2024. "Straight-Through-Process (STP) Award" from Citibank for the outstanding performance in the execution of USD commercial and treasury payments. "Top 25 Companies Award" for the year 2023 by the Pakistan Stock Exchange (PSX). Criteria for the award includes Profitability Ratio, Liquidity Ratio, Dividend Related Ratios, Solvency Ratio, Free-Float of Shares, Turnover of Shares, Corporate Social Responsibilities, Reporting on Sustainability Development Goals and Environmental, Social & Governance, Reporting on Enterprise Risk Management, Diversity and Inclusion, Corporate Governance and Investor Relations. Alhamdolillah, this is the ninth time that the Bank has been selected for this award. 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Main Shahra-e-Faisal, Karachi - 74400. TelePhone 0800-23275 (Toll Free) Fax No 92-21-34326053 Email info@cdcsrsl.com Website www.cdcsrsl.com Contact details of persons designated for assisting and handling investors grievances. Manager Mr. Sajid Hussain sajid.nazeer@bankalhabib.com Manager Mr. Haider Ali Manji haider.manji@bankalhabib.com Senior Chief Manager Mr. Habib Ali Noorani habib.ali@bankalhabib.com 92-21-32417439 32419746 SECP's investor complaint Public Documents var x = JSON.parse(''); var y = JSON.parse('[]'); var docspath = {}; y.forEach(function(data, uselessKey){ docspath[Object.keys(data)[0]] = data[Object.keys(data)[0]]; }); var documents=[]; x.forEach(function(data, uselessKey){ var year = data['years']; if(year!=null){ var yearonly = year.substring(0, 5 - 1); console.log(yearonly); if(documents['"'+yearonly+'"'] === undefined){ documents['"'+yearonly+'"'] = []; } documents['"'+yearonly+'"'].push(data); } }); var html = ''; for (var year in documents){ var docdata = documents[year]; var year_title = year.replace(/"/g,""); html += ''+ ''+ ''+year_title+''+ ''+ ''+ ''+ ''+ ''+ ''+ ''; for (var key in docdata){ var doc = docdata[key]; html += ''+ ''+doc.title+''+ ''+ ''+ ''+ ''; } html += ''; } html += ''; document.getElementById("docscontainer").innerHTML = html; div#pills-contact .ChartTitle { } .divdend_payout{ color:#ffaf3c; font-weight: bold; } .dark-mode .highcharts-background {fill: #333;} .excludingprice{font-size:12px;clear: both;margin-top: -12px;position: relative;top: 5px;font-weight: 500;}

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. 

Prime Minister's Kamyab Jawan SME Lending Program

Eligibility Criteria All Men / Women holding CNIC, aged Between 21 & 45 years with entrepreneurial potential For IT / eCommerce related business, the lower age will be 18 years Small & Medium Enterprises (startups & existing businesses) as per defination of SBP and owned by youth as per above mention age brackets are also eligible All Sectors & Product including Agriculture Loan Type Long Term Loan Short Term Loan Financing of locally manufactured new or used vehicles upto 10 years old & locally manufactured or imported new or use plant & machinery upto 10 years old Running Finance is not allowed under the scheme Long Term Loan Tenor Upto 8 years with maximum grace period of upto one year. Short Term Loan Tenor Initial tenor for woking capital loan is one year and after adjustment and subject to statisfactory repayment behaviour and risk profile of the borrower, the bank may allow roll over of the working capital loan annually for seven more years

Personal Banking

Bank Accounts Debit Cards Credit Cards Individual Financing Other Personal Banking Products Bank Accounts Bank AL Habib offers a wide range of Bank Accounts, to handle your Personal and Business needs. Compare the benefits of different accounts and choose the one that best suits your needs. Current Ac

Proceed Realisation Certificate (PRC)

Introduction PRC ( Proceed Realisation Certificate ) is the authentication/verification from the processing bank that remittance has been received and processed from an overseas arrangement. In light of the Government of Pakistan's vision for Digital Pakistan, Bank AL Habib has initiated an automated portal for ePRC ( Electronic Proceed Realisation Certificate ) issuance and verification. Bank AL Habib Customers can now immediately receive a PRC certificate digitally once remittance has been credited into their account. Click here to download the user guide ePRC sPRC Verify Receive ePRC for single remittance Download, view or print your PRC for remit received in your account or request the bank to email it to you on your registered email address. View ePRC Receive sPRC for multiple remittances Request your sPRC, (Statement of Proceed Realisation Certificate) through this option for a particular time period of a financial year. View sPRC Government agencies can now verify PRCs in a single click Real-time verification of ePRCS issued by Bank AL Habib to its customers for their home remittances. Verify .termdepositIcon.termdeposit-1 { background-image: url('/files/images/eprc-icon.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/sprc-icon.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/verify-certificates.svg'); } #lostCard{background-color:#fff;}

Reporting Of Violations

Employees are required to report any violation of this Code, including any matters arising from unethical practices, in accordance with our “Policy on Employees’ Duty to Report”. Customers and other persons dealing with the Bank should report any complaint they may have, including any violation of this Code, to the immediate supervisor of the Bank’s employee(s) with whom they have been dealing, or to the respective Zonal Office or the respective Divisional/Departmental Head at the Principal Office of the Bank. They can also visit the Bank’s website to report the complaint or the violation. Employees, customers, and other persons dealing with the Bank, who report a violation or lodge a complaint, will be protected against any harassment or retaliatory action.

Credit Card Features

Acceptability Around the Globe AL Habib Credit Cards are honored at 24 million locations in over 120 countries including thousands of merchants in Pakistan, AL Habib ATMs and MasterCard/Cirrus ATM networks worldwide. It gives you freedom of spending, financial security and worldwide recognition. You can make payments in any currency i.e. in case; you are traveling abroad, the currency of that particular country. However, the amount billed will be in Pak Rupees.   Revolving Facility You may pay in full or enjoy revolving credit facility by paying only 5% of your billed amount or PKR 400 whichever is higher plus insurance premium, if any. You have the power to spend, as you always get your limit reinstated as soon as you make the payment. In case you utilize the revolving credit facility on your credit card, the current service fee is 2.083% per month i.e. APR 25% p.a. Convenient Payment Modes Live a worry-free life; make your payments through easy modes of payment to suit your convenience. These options will save your time and help you to maintain good credit history with AL Habib. No standing in long queues or the inconvenience of long procedures. AL Habib ATMs with your ATM/Debit Card Automated payment service at our Call Centre AL Habib Netbanking Direct Debit facility from your Bank AL Habib Account Drop Boxes placed at all the Bank AL Habib Branches Cheques Cash payment at any Bank AL Habib Branch

Contact Us

(+92 21) 111 - 014 - 014 For Queries/Request: info@bankalhabib.com For Complaints: feedback@bankalhabib.com Find your Nearest Branch Contact Us Drop us a Line You can contact us for complaints, general enquiries and specific questions about product and service offerings. We look forward to hearing from you. *(For communication purpose only) Select an option Inquiry Complaint Feedback/Suggestions Select a complaint type Visa Debit Funds Transfer Utility Bill Payment Captcha is required Submit While sending your feedback or lodging a complaint, please make sure to provide your complete information (Email address/Mobile Number). We will attempt to resolve the issue as soon as possible and update you within 7 to 15 working days. Your feedback is important to us and we thank you for your relationship with Bank AL Habib Limited. Our Zonal Offices Karachi Zonal Office 5TH Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412986 Fax: (021) 32401171 Sindh and Baluchistan (Zonal Office) 2nd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32471801 Fax: (021) 32401180 Lahore Zonal Office Awami Complex, 1-4, Usman Block Front, Block No.6 - New Garden Town, Lahore Tel: (042) 35865380-91 Fax: (042) 35831704 Multan Zonal Office 126/C, Old Bahawalpur Road, Multan. Tel: (061) 4580314-6 Fax: (061) 4782309 Faisalabad Zonal Office Ahmad Plaza, Bilal road, Civil Lines Faisalabad. Tel: (041) 2601925-28 , 2601904-08 Fax: (041) 2601912 Gujranwala Zonal Office Opposite Iqbal High School, G.T. Road, Gujranwala Tel: (055) 3821042 Fax: (055) 3821043 North Zonal Office 78TH W, 2ND Floor, Roshan Center, Blue Area, Islamabad. Tel: (051) 2605919-22 Fax: (051) 2605948 KPK Zonal Office Plot No. 784/75, Islamabad Corporate Centro, Opposite CMT and SD, Golra Road, Islamabad. Tel: (051) 5495853-55 Fax: (051) 2605948 Our Head Office and Business Units Islamic Banking Division Office 3rd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 Fax: (021) 32463142 Agriculture Division Head of Agriculture Division, Lahore Mr. Fiaz Ahmed Malik Land Line: 042-3597 2281-2 Portfolio Manager, Agriculture Division, Lahore Mr. Shahid Bashir Khokhar Land Line: 042-3597 2281- 2 Corporate Division 4th Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 UAN: 111-786-110 Bahrain Branch Customer Complaints Contact Details Customer Complaint Customer Complaint Officer Abdulla Saleh AL Hammadi Monday - Friday (9:00 AM to 5:00 PM) Email : feedback.bahrain@bankalhabib.com Contact Number: (+973) 17 564044 Stay Connected Join our mailing list to get updates in your mailbox @media screen and (max-width: 390px){ .mobile-padding{padding:0px !important;} .p-4.contactUsWrapper { padding-left: 8px !important; padding-right: 8px !important; } .accordion-list-items .card-link + .collapse > div:first-of-type { overflow-x: hidden; } #recaptcha > div:first-of-type iframe { width: auto !important; } } @media screen and (max-width: 767px){ #recaptcha > div:first-of-type iframe { width: auto !important; border-right: 1px solid #ccc; height: 76px; } } label.error{color:#ff0000;margin-top:5px;}

Woman Accounts

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; }