Values

Values Directors and employees of the Bank shall always be guided by the following values: Respect for people Relationships of Trust Service to Customers Simplicity in Everything Culture of Ownership Communication & Cooperation Brief description of each of the above-mentioned values is given below: Respect for People We must treat our colleagues, customers, and all other persons who come into contact with us with utmost respect, courtesy, and decency. Relationships of Trust We must be worthy of the trust of people who work or do business with us. Trust is earned by acting with honesty, fairness, and prudence in all dealings and in all circumstances. Keeping promises is an essential element of trust. Service to Customers We must provide the best possible

Disclaimer

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Guiding Principles

Guiding Principles Directors and employees of the Bank shall always be guided by the following values: Treat depositors' money as a trust which must be protected. Achieve high level of productivity in business processes with maximum use of Information Technology. Strive for on-going innovation in products and services. Emphasize speed and simplicity in deployment of new products and services. Focus on customer service and customer satisfaction as the key measures of performance. Recruit, develop, and retain high-potential people who have the same values and beliefs as ours, and find it natural to communicate and cooperate with their colleagues and customers. Always stay directly "connected" with colleagues and customers, and protect the organization from proliferation of paperwork and bureaucracy

Profit Sharing Mechanism

Introduction to Islamic Banking

.py-5 h2:first-of-type { display: none; } .w-75 { width: 100% !important; } In 2004, Bank AL Habib Limited obtained the license for Islamic Banking operations and established an independent Islamic Banking Division (BAHL-IBD) in 2004. In 2005, Bank AL Habib opened it's first dedicated Islamic Banking Branch and started business operations. The Islamic Banking Division is supervised by the esteemed Shariah Board and regulated by State Bank of Pakistan. Bank AL Habib Limited Islamic Banking Division offers its products and services from a growing network of 369 dedicated Islamic branches. In addition, it also operates from 08 Islamic Banking Windows established in selected conventional branches of the bank. This Islamic network is spread over 148 major cities of Pakistan. Shariah Compliance Department (SCD) Personnel Islamic Branches 369 Islamic Windows 08 Cities Covered 148

Scooter Finance

AL Habib Mobile

Key Features of Deposit Products

AL Habib Kamyab Khatoon Zarai Finance

Declaration of Profit

Declaration of Profit on various Deposits for the Month ended November 30, 2025 Bank AL Habib Limited – Islamic Banking Division has declared the following Profit Rates: S. # Products Profit Rates 1 AL Habib Savings Deposit 7.50% 2 AL Habib Woman Islamic Savings Account 8.00% 3 AL Habib Woman Islamic Asaan Savings Account 8.00% 4 AL Habib Woman Islamic Digital Savings Account 8.00% 5 AL Habib Woman Islamic Asaan Digital Savings Account 8.00% 6 AL Habib Islamic Armed Forces Pensioner Savings Account (profit paid monthly) 7.50% 7 AL Habib Islamic Armed Forces Savings Account 7.50% 8 AL Habib Islamic Asaan Savings Account 7.50% 9 AL Habib Islamic Asaan Digital Savings Account 7.50% 10 AL Habib Islamic Digital Savings Account 7.50% 11 AL Habib Islamic Asaan Remittance Account 7.50% 12 AL Habib Islamic Remit Saving Account 7.50% 13 AL Habib Islamic Remit Digital Saving Account 7.50% 14 AL Habib Islamic Freelancer Account Savings 7.50% 15 AL Habib Islamic Freelancer Digital Account Savings 7.50% 16 Mahana Amdani Savings Account 7.50% 17 Al Habib Islamic Income Plus 0 - 499,999 7.50% 18 Al Habib Islamic Income Plus 500,000 - 999,999 7.50% 19 Al Habib Islamic Income Plus 1,000,000 - 2,499,999 7.75% 20 Al Habib Islamic Income Plus 2,500,000 - 4,999,999 7.75% 21 Al Habib Islamic Income Plus 5,000,000 - 9,999,999 7.80% 22 Al Habib Islamic Income Plus 10,000,000 - 24,999,999 7.80% 23 Al Habib Islamic Income Plus 25,000,000 - 49,999,999 8.00% 24 Al Habib Islamic Income Plus 50,000,000 - 99,999,999 8.00% 25 Al Habib Islamic Income Plus 100,000,000 - 199,999,999 8.25% 26 Al Habib Islamic Income Plus 200,000,000 - 499,999,999 8.50% 27 Al Habib Islamic Income Plus 500,000,000 & above 9.00% 28 Roshan Digital Savings Account 7.50% 29 AL Habib Tijarat Account (Current Remunerative) 0.01% 30 AL Habib Apna Individual Account (Current Remunerative) 0.01% 31 AL Habib Pay AC 0.01% 32 AL Habib Pay Plus AC 0.01% 33 AL Habib Islamic Young Savers Account 7.50% 34 AL Habib Islamic Senior Citizen Account (profit paid monthly) 8.00% 35 Term Deposit One Year Senior Citizen Account (profit paid monthly) 8.50% 36 Term Deposit - 7 Days 3.34% 37 Term Deposit - 1 month (1 - 9,999,999) 6.40% 38 Term Deposit - 1 month (10,000,000 - 24,999,999) 6.65% 39 Term Deposit - 1 month (25,000,000 - 49,999,999) 6.90% 40 Term Deposit - 1 month (50,000,000 - 99,999,999) 7.15% 41 Term Deposit - 1 month (100,000,000 & above) 7.40% 42 Term Deposit - 3 months (1 - 9,999,999) 6.60% 43 Term Deposit - 3 months (10,000,000 - 24,999,999) 6.80% 44 Term Deposit - 3 months (25,000,000 - 49,999,999) 7.00% 45 Term Deposit - 3 months (50,000,000 - 99,999,999) 7.20% 46 Term Deposit - 3 months (100,000,000 & above) 7.40% 47 Term Deposit - 6 months (1 - 9,999,999) 6.85% 48 Term Deposit - 6 months (10,000,000 - 24,999,999) 7.15% 49 Term Deposit - 6 months (25,000,000 - 99,999,999) 7.40% 50 Term Deposit - 6 months (100,000,000 & above) 7.60% 51 Term Deposit - 1 year (profit paid monthly) 7.50% 52 Term Deposit - 1 year - (1 - 9,999,999) (profit paid at maturity) 7.25% 53 Term Deposit - 1 year - (10,000,000 - 24,999,999) (profit paid at maturity) 7.50% 54 Term Deposit - 1 year - (25,000,000 - 49,999,999) (profit paid at maturity) 7.75% 55 Term Deposit - 1 year - (50,000,000 - 199,999,999) (profit paid at maturity) 8.00% 56 Term Deposit - 1 year - (200,000,000 & above) (profit paid at maturity) 8.25% 57 Term Deposit - 3 years (profit paid monthly) 5.49% 58 Term Deposit - 3 years - (1 - 9,999,999) 5.58% 59 Term Deposit - 3 years - (10,000,000 - 24,999,999) 5.58% 60 Term Deposit - 3 years (25,000,000 - 49,999,999) 5.58% 61 Term Deposit - 3 years (50,000,000 - 199,999,999) 5.58% 62 Term Deposit - 3 years (200,000,000 & above) 5.58% 63 Term Deposit - 5 years (profit paid at maturity) 5.19% 64 IFRE (Islamic Finance for Renewable Energy) 3.00% 65 ILTFF – 10 years (Textile) 2.25% 66 ILTFF – 5 years (Textile) 9.00% 67 ILTFF – 3 years (Textile) 5.35% 68 ILTFF – 10 years (Non-Textile) 3.50% 69 ILTFF – 5 years (Non-Textile) 5.50% 70 ILTFF – 3 years (Non-Textile) 2.75% 71 ITERF – (Islamic Temporary Economic Re-Finance) 1.02% 72 SBP - Islamic Refinance for Modernization of SMEs 2.00% 73 SBP - Islamic Financing Facility for Storage Product (IFFSAP) 3.50% 74 IB AL Habib Signature Account 0.01% 75 Charity Funds 7.50% 76 AL Habib Woman Saving Account 8.50% 77 AL Habib Woman Asaan Saving Account % 78 AL Habib Woman Digital Saving Account 8.50% 79 Pensioner Saving A/C 7.50% 80 AL Habib Asaan Saving Account 7.50% 81 AL Habib Asaan Digital Saving Account 7.50% 82 AL Habib Remit Account Savings 7.50% 83 AL Habib Freelancer Account PKR 7.50% 84 SB Monthly Profit 7.50% 85 AL Habib Mahana Munafa Account 7.50% 86 AL Habib Special Saver Base 7.50% 87 AL Habib Monthly Saver 7.50% 88 AL Habib Young Savers Account 7.50% 89 AL Habib Senoir Citizen Monthly Savings Account 8.00%   Foreign Currency-USD S. # Product Profit Rates 1 Saving Account USD (0-4,999) 1.00% 2 Saving Account USD (5,000-9,999) 1.24% 3 Saving Account USD (10,000-24,999) 1.46% 4 Saving Account USD (25,000-99,999) 1.77% 5 Saving Account USD (100,000 & Above) 2.05% 6 Roshan Digital Saving Account USD (0 - 4,999) 1.00% 7 Roshan Digital Saving Account USD (5,000 - 9,999) 1.24% 8 Roshan Digital Saving Account USD (10,000 - 24,999) 1.46% 9 Roshan Digital Saving Account USD (25,000 - 99,999) 1.77% 10 Roshan Digital Saving Account USD (100,000 & Above) 2.05% 11 AL Habib Foreign Currency Saver (0-4,999) 1.24% 12 AL Habib Foreign Currency Saver (5,000 - 9,999) 1.46% 13 AL Habib Foreign Currency Saver (10,000 - 24,999) 1.77% 14 AL Habib Foreign Currency Saver (25,000 - 99,999) 2.05% 15 AL Habib Foreign Currency Saver (100,000 - 999,999,999,999,998) 2.05% Foreign Currency- EURO & GBP S. # Product Profit Rates 1 Saving Account EURO & GBP (0-4,999) 0.83% 2 Saving Account EURO & GBP (5000-9,999) 1.02% 3 Saving Account EURO & GBP (10,000-24,999) 1.54% 4 Saving Account EURO & GBP (25,000-99,999) 1.76% 5 Saving Account EURO & GBP (100,000 & Above) 1.95% 6 Roshan Digital Saving Account EURO & GBP (0 - 4,999) 0.83% 7 Roshan Digital Saving Account EURO & GBP (5,000 - 9,999) 1.02% 8 Roshan Digital Saving Account EURO & GBP (10,000 - 24,999) 1.54% 9 Roshan Digital Saving Account EURO & GBP (25,000 - 99,999) 1.76% 10 Roshan Digital Saving Account EURO & GBP (100,000 & Above) 1.95% 11 NEW FCY SAVING STG (0 - 4,999) 0.83% 12 NEW FCY SAVING STG (5000 - 9,999) 1.02% 13 NEW FCY SAVING STG (10000 - 24,999) 1.54% 14 NEW FCY SAVING STG (25000 - 99,999) 1.76% 15 NEW FCY SAVING STG (100000 - 999,999,999,999,998) 1.95% 16 AL Habib Foreign Currency Saver GBP (0 - 4,999) 0.83% 17 AL Habib Foreign Currency Saver (5000 - 9,999) 1.02% 18 AL Habib Foreign Currency Saver GBP (10000 - 24,999) 1.54% 19 AL Habib Foreign Currency Saver GBP (25000 - 99,999) 1.76% 20 AL Habib Foreign Currency Saver GBP (100000 - 999,999,999,999,998) 1.95% 21 AL Habib Foreign Currency Saver EUR (0 - 4,999) 0.83% 22 AL Habib Foreign Currency Saver EUR (5000 - 9,999) 1.02% 23 AL Habib Foreign Currency Saver EUR (10000 - 24,999) 1.54% 24 AL Habib Foreign Currency Saver EUR (25000 - 99,999) 1.76% 25 AL Habib Foreign Currency Saver EUR (100000 - 999,999,999,999,998) 1.95% General LCY Pool TDR for C2I Conversion S. # Product Profit Rates 1 TERM DEPOSIT 1 MONTH (PKR) 9.00% 2 TERM DEPOSIT 3 MONTH (PKR) 8.50% 3 ALHABIB SALANA MUNAFA 9.60% 4 ALHABIB SALANA MUNAFA 10.50% 5 ALHABIB MAHANA MUNAFA 1 YEAR 9.50% 6 ALHABIB MAHANA MUNAFA 1 YEAR 10.00% 7 ALHABIB MAHANA MUNAFA 1 YEAR 10.25% 8 ALHABIB MAHANA MUNAFA 2 YEAR 7.50% 9 ALHABIB MAHANA MUNAFA 5 YEAR 10.25% 10 ALHABIB MAHANA MUNAFA 5 YEAR 13.00% 11 ALHABIB MAHANA MUNAFA 5 YEAR 13.50% The above declared profit rates have been approved by the Resident Shariah Board Member (RSBM).