SMS Alerts

Introduction Do you want to stay connected with your account without visiting your bank? The Bank AL Habib SMS Alerts Facility helps you stay updated on your financial activity every step of the way. We offer a wide range of alerts that help you monitor your finances and keep your account safe. The charges of the service are applicable as per prevailing Bank’s schedule of charges. Alerts on all Digital banking transactions will be communicated FREE of cost to all bank customers. Eligibility Criteria Individual Account Holders Joint Account Holders (where the Account is operated on “Either or Survivor” basis only) Sole Proprietorship Account Holders Entity Account Holders Click here to download Rules/Terms & Conditions Types of Alerts Cash Withdrawals / Deposits from BAHL branches Funds Transfers Cheque Clearing Inward / Outward (as well as returns) ATM / Debit Card transactions

Deposit Protection Mechanism for Banking Companies

State Bank of Pakistan has launched "Deposit Protection Mechanism for Banking Companies" vide DPC Circular No. 4 of 2018 dated June 22, 2018 effective from July 01, 2018. As per Section 7(l) of the Deposit Protection Corporation Act, 2016, an amount up to Rs. 500,000/- (Rupees five Hundred Thousand) per depositor per bank has been determined by Deposit Protection Corporation (DPC) as the guarantee amount. For further details, please visit nearest Bank AL Habib branch or call at 111-014-014. Visit the Deposit Protection Corporation Website http://www.dpc.org.pk/ FAQs on Deposit Protection Mechanism Click here for Depositors Click here for Banks Downloadable Circulars DPC Circular No. 01 of 2018 - Notification of Board of Directors DPC Circular No. 02 of 2018 - Declaration of Commencement of Business of Deposit Protection Corporation DPC Circular No. 03 of 2018 - Member Institutions of Deposit Protection Corporation DPC Circular No. 04 of 2018 - Deposit Protection Mechanism

Purpose Of The Code

Purpose Of The Code This Code of Conduct aims to ensure compliance with the highest ethical and professional standards which have characterized the Habib’s banking operations over the years. The Bank places the highest priority on its corporate values and its ethical and professional standards, and requires compliance thereto by all directors and employees.

Refinance Facility for Modernisation of SME

Agriculture Finance Products

AL Habib Kissan Farm Murabaha This scheme offers finance for crops input requirements such as seeds, fertilizers, pesticides, diesel, gunny bags, etc. It is a Murabaha facility with tenor matching the lifecycle of the crop.

Roshan Apni Car

We are now offering Roshan ApniCar (Auto Finance) facility to individuals having a Roshan Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse / parents / children residing in Pakistan. Apply Now Roshan Apni Car Calculator Product Eligibility Criteria Financing facility under Shariah compliant mode for brand new locally assembled vehicles. Non-Resident Roshan Digital Account (RDA) holder at Bank AL Habib Limited (BAHL) with Resident Pakistani Spouse / parents / children as co-borrower or Resident Pakistani having RDA at BAHL. Having minimum working experience as follows: Regular Salaried individuals with minimum 2 years experience of current employer. Contractual Salaried individual with minimum 3 years experience. Self-Employed Professionals (SEP) and Business Individuals with minimum 3 years experience in similar profession / professional setup. Having minimum net monthly Income of: Employed / Working in Gulf Countries: Equivalent to DHS 10,000/- Employed / Working in Non Gulf Countries: Equivalent to USD 3,000/- Minimum Customer participation 15-45% depending upon the variant of vehicle. Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency / Resident Card for Gulf Countries. Having clear credit history. Vehicle to be registered in the name of borrower or spouse / parent / child as co-borrower. Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR Account. For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on foreign currency deposit. Processing fee, documentation etc to be charged as per the Bank’s Schedule of Charges. Minimum age at the time of application: 25 years. Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP. For lien based facility, minimum experience, minimum Down Payment, minimum income requirement and restrictions of stated jurisdictions shall not be applicable. Product pricing Rate Lien Product Non-Lien Product Variable Rates SBP Floor+1.0% KIBOR+1.0% Fixed Rates Certificate of Deposit Rate (COD*) + 1% Respective (PKRV**) + 1.5% *Prevailing Certificate of deposit rate of Bank AL Habib Mahana Munafa account for respective tenure to be applied. **Respective PKRV of the last day of previous month to be applied. Notes Current SBP Floor is 15% pa and is available at the following SBP link: https://www.sbp.org.pk/ecodata... KIBOR is published on a daily basis at the following SBP link: https://www.sbp.org.pk/ecodata... Pricing of the fixed rate financing remain unchanged till maturity of the financing. However, if market conditions change, banks can offer a revised price at the start of the financing period. Below mention fixed rates are applicable for the month of April 2023 Fixed Rates (Lien Based) Tenure COD Rate Bank's Spread Applicable Rate 2 Year 16.00% 1.00% 17.00% 3 Year 14.00% 1.00% 15.00% 4 Year 14.00% 1.00% 15.00% 5 Year 13.00% 1.00% 14.00% Fixed Rates (Non-Lien Based) Tenure PKRV Bank's Spread Applicable Rate 2 Year 19.32% 1.50% 20.82% 3 Year 18.33% 1.50% 19.83% 4 Year 15.51% 1.50% 17.01% 5 Year 15.23% 1.50% 16.73% 6 Year 15.27% 1.50% 16.77% 7 Year 15.27% 1.50% 16.77% Takaful Without Tracker With Tracker Value Added Services (apart from comprehensive coverage-bumper to bumper) EFU 1.40% 1.99% 1.50% 1.99% Accidental death Coverage up to PKR 2.5 Million Jubilee 1.75% 1.99% 2.25% 2.50% 1) Full outstanding finance amount to be paid in the event of accidental death of Roshan Digital Account Holder. 2) Free Medical expense cover upto PKR 1 Million, in case of hospitalization of RDA holder for 30 days during stay in Pakistan. UBL Insurer 1.40% 1.89% 2.90% 3.50% Accidental death Coverage up to PKR 2.5 Million Adamjee 1.50% 1.99% 2.90% 3.50% 1) Accidental death Coverage up to PKR 2.5 Million 2) Health Takaful plan up to 20.00% of vehicle or PKR 500,000 whichever is less 3) Online Medical consultancy 4) Travel Takaful Plan up to USD 50,000 Habib 1.38% 1.85% 1) Accidental Death Coverage up to PKR 2.5 Million 2) Payment of full outstanding auto finance amount in case of RDA holder’s death 3) Travel Takaful Plan up to USD 50,000 4) Tracker Facility from A rated Company 5) Speedy Claim Approvals because designated surveyors has been deputed Century 1.75% 2.25% Accidental Death Coverage of principal amount or maximum up to PKR 2.5 Million Delivery time - by manufacturers ( Approx period) Manufacturer Variants Tentative Delivery Time Offer by Manufacturer Honda Atlas City 2 to 3 months No Priority Delivery Civic 3 to 4 months BRV 2 months Kia Sportage 3 months Priority delivery up to half from the actual tentative delivery time Picanto 3 months Carnival 2 months Sorento 4 months Indus Motors Yaris 2 to 3 months Delivery time will be communicated as per manufacturer's confirmation Corolla 1.6 & 1.8 6 to 7 months Fortuner 6 to 7 months REVO 6 to 7 months Grande 6 to 7 months Pak Suzuki Alto 2 months Delivery time will be communicated as per manufacturer's confirmation Cultus 4 months Wagon-R 2 months Bolan 2 months Ravi 2 months Swift 3 months Hyundai Tucson 6 to 7 months Stock available (subject to vehicle's colour availability) Co-Applicant For Non-Resident RDA holder, Resident Pakistani shall be added as co-applicant for vehicle registration and legal documentation purpose. .btn-roshan{ color: #15804F; background-color: #fff; border-color: #15804F;} ol{list-style:none;} .tableCustomizer tr td:last-child { border-right: 1px solid #ddd !important; }

Vision and Mission Statements

Vision and Mission Statements Vision Statement: "To be our customers’ most convenient and trusted bank." Mission Statement: "To make banking safe, simple and pleasant."

Planning

Planning The Bank shall prepare an annual plan with clearly defined objectives, goals and strategies and implement such plans to ensure achievement of objectives and enhancement of corporate image.

Adherence To Law

Adherence To Law The Bank shall at all times strictly adhere to the laws of the country and fulfill all statutory requirements as laid down by the regulators and ensure timely, proper, and full payment of all applicable taxes, rates, duties and/or any other levies as may be imposed from time to time.

Profit Sharing Mechanism