Bank AL Habib ›

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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.

Fair Treatment of Customers (FTC)

Bank AL Habib is committed to treat customers fairly and our Fair Treatment of Customers (FTC) policy is driven by following principles: Customers are dealt with utmost fairness and courtesy Senior Citizens and Differently Abled persons are offered priority services at all our branches The Products and Services are designed to meet banking needs of our customer base Complete and correct Products and Services information is provided to enable existing and potential customers to make informed choices Products and Services are fairly and competitively priced as per the market rates Grievances of customers are resolved through a transparent and efficient complaint resolution mechanism in a timely manner Customer feedback is welcomed to further improve our services We Value Your Feedback Click Here Lodge Complaint × You may also submit your suggestion/complaint at the website now.Are you sure want to proceed further? Proceed #main-slider .carousel-inner .sliderImg{ background-position:center 25% !important; }

Guarantees

Foreign Bank Guarantees Upon the request of our customers and against collaterals and limits accorded to them subject to approval of our Central Bank (if required), we issue Counter Guarantees ( SBLCs, Performance Bonds, Bid Bonds and Advance Payment Guarantees etc) to our Foreign Correspondent Banks. Against Counter Guarantees of Foreign banks we issue our Guarantees to beneficiaries in Pakistan. It is based on the concept that the issuer undertakes to pay the beneficiary upon presentation of complying demand.

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

About Us

Bank AL Habib Dawood Habib Group, the sponsor of Bank AL Habib Limited has a history in the banking sector dating back to the 1920’s. The group played a major role in meeting the financial needs of Pakistan making it the first institution to provide banking services to the new Country. Dawood Habib Group Dawood Habib Group the sponsor of Bank AL Habib Limited has a long track record in banking that dates back to the 1920s. The Group was among the founding members of Habib Bank Limited and played a major role in meeting the financial and banking needs of Pakistan. It was nationalized along with other Banks in Pakistan on January

Money Laundering & Terrorism Financing notice

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Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS)

Bank AL Habib offers Shariah-compliant financing solutions to support the growth of small and medium enterprises. Our facilities are designed to meet diverse business needs through short- and long-term modes, ensuring flexibility and ease for entrepreneurs. We also provide Trade Finance services including Letters of Credit, Pre- and Post-Shipment Finance, and Letters of Guarantee to facilitate smooth business operations. Additionally, financing is available under SBP schemes for SMEs and trade, such as the Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB & ALS). Eligibility Criteria All citizens holding CNIC, aged between 21 and 45 years with entrepreneurial potential are eligible. For IT/ E-Commerce related businesses, the lower age limit will be 18 years For IT/E-Commerce related businesses, at least matriculation or equivalent education will be required Above age limit condition is applicable on individual and sole proprietors. In case of all other forms of business including partnership and companies, only one of the owners, partners or directors must in the age bracket prescribed above Small & Medium Enterprises (startups and existing businesses) owned by youth as per above mentioned age brackets are also eligible In case of agriculture, farmers classification as per SBP’s "Indicative Credit Limits & Eligible Items for Agriculture Financing 2020” will be applicable Financing Type Term/ Working Capital Financing under Murabaha and Financing of Machinery & locally manufactured vehicle for commercial use under Diminishing Musharakah Only one vehicle per applicant is allowed. An applicant in food franchise and distribution business may avail financing for more than one vehicle Upto 65% of total financing limit can be availed for Civil Works. For agriculture, production and development financings are eligible Financing Tenor Long Term: under Diminishing Musharakah Upto 8 years with maximum grace period of 1 year For working capital/production financings i.e. Murabaha under T2 and T3, tenor will be upto 5 years. Banks will have the option to finance working capital/production Financings wherein only profit portion will be payable during first 2 years and thereafter both principal along with the profit will be paid in next 3 years making the total payment period of upto 5 years Financing Size Product Financing Limit Tier 2 Above PKR 0.5 Million and up to PKR 1.5 Million Tier 3 Above PKR 1.5 Million and up to PKR 7.5 Million Pricing Tier 2 : 5% Tier 3 : 7% Security Arrangement Tier 2 (T2) Financings – Clean (secured only by personal guarantee of the applicant) Tier 3 (T3) Financings – As per Bank Policy Vehicle financed under T2 and T3 to serve as collateral Number of financings per applicant A customer may avail maximum two Financings (including one long term and one short term Financing) within overall maximum financing limit of Rs 7.5 million In case of agriculture, a customer may avail one financing for each production and development purposes within overall maximum financing limit of Rs 7.5 million Sector & Products All sectors and products. Moreover, in case of agriculture, all crop and non-crop sectors (including crop production, livestock, poultry, fishery, dairy etc.) are also eligible. Debt Equity Requirement New Business Tier 2 (T2) Financings – 90:10 Tier 3 (T3) Financings – 80:20 Existing Business Nil for all Tiers Turn Around Time The processing time will not exceed 45 days and will be stated clearly in the application form Application for PMYB&ALS Visit the Prime Minister Youth Financing Portal to start your application now. Apply Now .fixedImgDynamic.mera-pakistan{background-image:url('" ~ image_url("theme::images/individual-financing-icons-04.svg") ~"')} .fixedImgDynamic.mera-pakistan::after { content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; } .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; } #main-slider .carousel-inner .container .carousel-caption{width: 61%;} .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Directors and Employees

Directors and Employees We select and employ people based on the Bank’s recruitment policy and criteria, without any bias or prejudice of race, caste, color, creed, gender, or religious belief. We place qualified and efficient people in management positions, so that the Bank’s functions are performed effectively and are of high quality. We encourage/motivate employees to perform their duties diligently for achieving optimum output and efficiency. We evaluate employees’ performance and reward them on the basis of their contributions. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and citizens. We provide training to employees at all levels for improvement in their knowledge and skills. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and

Privacy Policy

Introduction This Website is owned and controlled by Bank AL Habib Ltd. ("BAHL"). BAHL respects the privacy of visitors to its Website, and advises all visitors/surfers and clients to read and understand our privacy policy, and to check it periodically for any updates or revisions. When you visit this Website, BAHL may collect personal data about you, either directly (where you are asked to provide the data) or indirectly (through IP address, cookies, etc.). BAHL will, however, use such personal data only for the purposes set forth in this Privacy Statement and BAHL is committed to safeguarding such personal data. This Statement sets out the purposes of BAHL's data processing in respect of this Website. BAHL may gather and analyze information relating to particulars of users, their computing equipment/devices, usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.  Purposes of Processing BAHL collects and processes information about customers and visitors to its Website to conduct its business, to inform and offer products and services that may be of interest to you, as well as to compile Web statistics. The information provided by you can be used to contact you when necessary, e.g. to obtain further information or confirmation about your data, notify you about functionality changes to the Website and BAHL online services, as well as to offer other services that you may find helpful (provided you have not opted out of receiving such services). Sensitive Data/Information BAHL does not seek to collect sensitive personal information (such as information revealing personal preferences, political opinions, religious beliefs, health or other matters) through this Website. If BAHL does collect any such data, your prior consent for this will be obtained. Please note that, by providing BAHL with solicited or unsolicited sensitive personal information you consent to our using such personal information as described above.  Disclosure of Information Where required by Financial Services Regulator(s) or Law Enforcement Agencies, BAHL will share necessary customer and other information, as advised. Other than this, BAHL will never disclose information that it has collected from its users to any of its affiliates, independent contractors and business partners for any purpose, whatsoever. Also we will not transfer information collected in the process of sales of our products and services. Third Party Sites Please note that this Privacy Statement does not extend to third party websites linked to this/BAHL’s Website. Amendments BAHL reserves the right to modify this Privacy Statement, or any part thereof, at any time and from time to time. You are requested to kindly review this statement frequently for any changes. Website Analytics BAHL Website uses analytical tools, a service which transmits website traffic data to analytical tools. Google Analytics does not identify users or associate your IP address with any other data. We use these tools to understand website traffic, and usage.We use the following tools for Advertising Google AdWords  Personal Data: Cookies and Usage Data Facebook Audience Network Personal Data: Cookies, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example) and Usage Data For Bahrain Customers Download the Bank AL Habib Data Privacy Notice Click here.

Cash Management

Services We Offer To provide value added services is part of our mission statement. When it comes to optimize cash flows and liquidity of our clients, we tailor need-based solutions for them. Our Cash Management suite of products and services is geared towards addressing business and operational complexities of clients with the objective to streamline their receivables and payables. With our branch network of 1309 Branches (inclusive of Sub-Branches & Islamic Banking Branches) in 531 cities / towns of Pakistan, scalable systems and experienced product specialists, we add significant efficiencies in streamlining cash flows and financial operations of clients. Following products and services are readily available under the ambit of Cash Management: Collections Collection Solutions for Corporates, SME & Commercial clients etc Utility Bills Collection Arrangements Domestic (LCY) Correspondent Banking Services to F.Is School Fee Collection Arrangements (via Branches & iBanking/ATMs) Club Fee Collection Arrangements (via Branches & iBanking/ATMs) Bar Code Enabled Bills / Fee Collection Solutions for Schools & Clubs General Public Flotations – (TFCs / IPOs / Rights Shares Arrangements) API Based Collection Solutions Special Receipts Issuance & Collection Solution Collection Arrangements (via internet banking, Mobile Apps & ATMs of other banks) using services of Aggregator

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AL Habib Woman Islamic Account

AL Habib Woman Account is a product especially designed to empower women with financial independence and facilitate them in simplified banking.

Remit Account

AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features. Compare Accounts

AL Habib Islamic Freelancer Current Account

AL Habib Islamic Freelancer Account is a specialized banking solution tailored for freelancers seeking seamless and efficient management of their work payments and remittances. Opening a Freelancer Account is convenient through digital means or by visiting the nearest branch. Compare Accounts

Islamic Tijarat Account

A personal relationship of caring and trust Let us take care of your family if you are unable to, due to Accidental Death or Permanent Disability. With our Shariah-compliant AL Habib Islamic Tijrat Account, get Shariah compliant profit and free Takaful Coverage. Takaful Sharia compliant insurance system in which money is pooled and invested and in case of adverse circumstance shared with the people in the pool. Compare Account .fixedImgDynamic.current {background-image: url('../files/images/current.jpg') !important;position: relative;}

AL Habib Woman Islamic Asaan Account

AL Habib Woman Asaan Account is a product especially designed for women to empower them with financial independence and facilitate them with simplified banking.

AL Habib Islamic Signature Account

AL Habib Islamic Signature Account is a current remunerative account designed for those who value personalized service and premium benefits. This account offers unmatched convenience, lifestyle rewards, and an exceptional customer care experience. This account is based on Shariah Compliant mode of Mudarabah. Compare Accounts

Islamic Asaan Remittance Savings Account

An easy to open account for receiving money directly from abroad into your account Open AL Habib Islamic Asaan Remittance Savings Account and receive your money from abroad directly in your savings account. See your savings grow by earning Shariah compliant profit. Sending and receiving money is free, fast and safe. Account is easy to open with a simplified one-page account opening form. This account is for individuals only (Single/ Joint) Compare Accounts .fixedImgDynamic.current {background-image: url(../files/images/saving.jpg) !important;position: relative;} .carousel-item.active.bgCover.bgPosBtmLeft.page-.sliderImg.sliderImg.bannerOverlay{ background-image: url('../files/images/Saving-Account-Banner.jpg') !important; }

Islamic Foreign Currency Savings Account

Catering to your Personal needs AL Habib Islamic Foreign Currency Savings Account gives you unlimited access to your account available in US dollar only. Stay assured that your money is handled in a Shariah-compliant manner and you enjoy complete control over your cash flows with Free benefits. @media only screen and (max-width: 450px) { .fixedImgDynamic.current::after { background: rgba(51, 51, 51, 0.8313725490196079) !important; } } .fixedImgDynamic.current { background-image: url("../files/images/Foreign-Currency---Breaker.jpg ") !important; position:relative; } .fixedImgDynamic.current .container { position:relative; z-index:2; } .fixedImgDynamic.current::after{ content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; }

AL Habib Islamic Remit Account

AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features.

AL Habib Woman Islamic Asaan Saving Account

Specifically for those who are looking to save with minimal requirements. Availing financial services is not challenging anymore as this account is an easy and reliable solution for women to grow their savings and enjoy several benefits. Connect with us

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AL Habib Digital Account Gold

Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:

Signature Debit Card

Your AL Habib Signature Debit Card offers superior features and unmatched benefits

Visa Debit Silver

Bank AL Habib Visa Silver Debit Card enables you the access to your account from over 1.65 million ATMs and 20 million merchants in 148 countries.

Visa Debit Platinum

Bank AL Habib VISA Platinum Debit Card is your financial power-key. Linked to over 1.7 million ATMs and 24 million merchants globally, Bank AL Habib helps you unlock premium lifestyle facilities globally.

UnionPay Apna Debit

24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Debit Card your perfect banking companion.

Visa Debit Signature

Bank AL Habib has introduced the prestigious Visa Debit Signature Card, designed exclusively for you, our distinguished customer. As a valued Signature cardholder, you can avail higher transaction limits, world-class international Visa services and privileges you truly deserve.

AL Habib Digital Account Classic

AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.

Visa Debit Gold

Linked to the Global VISA Network, Bank AL Habib VISA Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.

UnionPay Debit

24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Debit Card your perfect banking companion.

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Notice for Diamer-Bhasha and Mohmand Dam Fund

Inauguration of new Islamic Banking Branches in Gujranwala, and Bajaur.

Bank AL Habib’s Islamic Branch Network now expands to 369 branches in 148 cities.

Launch of Bank AL Habib NetBanking Facility

Inauguration of new Islamic Banking Branches in Karachi, Multan and Gujranwala.

Avail an exciting discount with UnionPay at Burger King

Amazing Discounts at Burger King !

Financial Literacy Program

Bank AL Habib and Suzuki bring you yet another exciting offer!

The Supreme Court of Pakistan and the Prime Minister of Pakistan Diamer-Bhasha and Mohmand Dams Fund

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