Islamic Naya Pakistan Certificates

Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Islamic Naya Pakistan Certificates (INPCs), Shariah compliant PKR, USD, GBP & EUR denominated instruments issued by the Government of Pakistan on the basis of Mudarabah with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Islamic Naya Pakistan Certificate while Bank AL Habib is acting as an agent. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Shariah Compliant Islamic Naya Pakistan Certificates (INPCs) are Shariah compliant certificates issued on the basis of Mudarabah. Under this arrangement, the holder of certificate is an investor (Rab-ul Maal) and Islamic Naya Pakistan Certificate Company Limited (INCCPL) is the Manager (Mudarib) of the funds deposited by the investors. These funds are then invested in a deposit pool comprising of Shariah-compliant transactions and the return is shared between the investors and INCCPL as per the pre-determined profit-sharing ratios and weightages. Shariah Structure of INPCs USD Certificate Terms and Conditions (Mudarabah Agreement) PKR Certificate Terms and Conditions (Mudarabah Agreement) Eligibility AL Habib Islamic Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificate can be booked in PKR, USD, GBP & EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers AL Habib Islamic Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Sharing Ratio (PSR) for the Month of February 2025 Mudarabah Pool INPCCL (Mudarib) Share Investor (Rab-ul-Maal) Share PKR 35% of distributable income 65% of distributable income USD 55% of distributable income 45% of distributable income GBP 65% of distributable income 35% of distributable income EUR 70% of distributable income 30% of distributable income Weightages and Expected Return for the Month of February 2025 Tenure PKR (Expected Return) PKR (Profit Weightage Assigned) PKR* (Expected Return- PKR INPC-I) PKR* (Profit Weightage Assigned- PKR INPC-I) PKR** (Expected Return- PKR INPC-II) PKR** (Profit Weightage Assigned- PKR INPC-II) USD (Expected Return) USD (Profit Weightage Assigned) USD* (Expected Return - USD INPC-I) USD* (Profit Weightage Assigned - USD INPC-I) USD** (Expected Return - USD INPC-II) USD** (Profit Weightage Assigned - USD INPC-II) GBP (Expected Return) GBP (Profit Weightage Assigned) GBP* (Expected Return - GBP INPC -I) GBP* (Profit Weightage Assigned GBP INPC -I) GBP** (Expected Return - GBP INPC -II) GBP** (Profit Weightage Assigned GBP INPC -II) EUR (Expected Return) EUR (Profit Weightage Assigned) EUR* (Expected Return - EUR INPC -I) EUR* (Profit Weightage Assigned EUR INPC-I) EUR** (Expected Return - EUR INPC -II) EUR** (Profit Weightage Assigned EUR INPC-II) Profit Payout (Coupon Payment) 3 Months 9.50% 1.10 15.00% 1.80 21.00% 2.20 5.50% 1.70 7.00% 1.70 8.25% 2.10 5.25% 2.10 5.50% 2.10 7.25% 2.20 4.75% 2.71 4.00% 2.71 6.25% 2.80 Maturity 6 Months 10.00% 1.20 15.25% 1.85 21.25% 2.25 6.00% 1.85 7.20% 1.85% 8.50% 2.25 5.50% 2.20 6.00% 2.20 7.50% 2.30 5.00% 2.86 4.50% 2.86 6.50%2.90 Maturity 12 Months 10.50% 1.25 15.50% 1.90 21.50% 2.30 6.50% 2.10 7.50% 2.10% 9.00% 2.30 5.75% 2.30 7.00% 2.30 8.00% 2.40 5.25% 3.00 5.00% 3.00 7.00% 3.20 Maturity 3 Years 10.75% 1.27 14.00% 1.75 17.50% 2.00 6.75% 2.20 8.00% 2.20 8.00% 2.20 6.25% 2.50 7.50% 2.50 7.50% 2.50 5.50% 3.14 6.50% 3.14 6.50% 3.14 Bi-Annual 5 Years 11.00% 1.30 13.50% 1.65 15.00% 1.90 7.00% 2.30 8.00% 2.30 8.00% 2.20 6.50% 2.60 7.50% 2.60 7.50% 2.60 5.75% 3.29 6.50% 3.29 6.50% 3.29 Bi-Annual Bank's Investment in the pool - -- - 17.00% 1.00 - - - - 5.75% 1.00 - - - - 5.25% 1.00 -- - - 4.00% 1.00 - *Note: Applicable on Fresh Booking from 1st October 2022 **Note: Applicable on all the issuances made on or after 10th October 2023. All issuance made on or after 23rd January, 2023 (before 10th October, 2023) for USD, GBP and Euro shall be classified under USD, GBP and Euro INPCs-I All the issuances made on or after 10th October, 2023 shall be classified under USD, PKR, GBP and EURO INPCs-II Declaration of Profit Rates & Profit Payouts for the Month of January 2025 Tenure USD (Actual Return) USD -I (Actual Return) USD -II (Actual Return) PKR (Actual Return) PKR -I (Actual Return) PKR -II (Actual Return) GBP (Actual Return) GBP -I (Actual Return) GBP -II (Actual Return) EUR (Actual Return) EUR -I (Actual Return) EUR -II (Actual Return) 3 Months 0.00% 0.00% 8.25% 0.00% 0.00% 21.00% 0.00% 0.00% 7.25% 0.00% 0.00% 6.25% 6 Months 0.00% 0.00% 8.50% 0.00% 0.00% 21.25% 0.00% 0.00% 7.50% 0.00% 0.00% 6.50% 12 Months 0.00% 7.50% 9.00% 0.00% 0.00% 21.50% 0.00% 7.00% 8.00% 0.00% 0.00% 7.00% 3 Years 6.75% 8.00% 8.00% 10.75% 14.00% 17.50% 6.25% 7.50% 7.50% 5.50% 6.50% 6.50% 5 Years 7.00% 8.00% 8.00% 11.00% 13.50% 15.00% 6.50% 7.50% 7.50% 5.75% 6.50% 6.50% Bank's Investment in the pool 5.75% 5.75% 5.75% 17.00% 17.00% 17.00% 5.25% 5.25% 5.25% 4.00% 4.00%4.00% Premature Encashment There shall be no premature encashment within the first month of issuance of INPCs Certificates can be prematurely encashed (early encashment before maturity). The proceeds for the premature encashment made after the first month and before the end of three months shall be worked-out based on the the repurchase of INPCs at a discounted price based on the redemption table notified by Islamic Naya Pakistan Certificate Company Limited (INPCCL) Profit/proceeds of premature encashment made after 3 months shall be worked out by Islamic Naya Pakistan Certificate Company Limited (INPCCL) based on the weightages applicable to the nearest completed tenures. Maturity Maturity proceeds will be credited back to the investor’s AL Habib Islamic Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions The Certificates shall be pledgeable as security for raising financing in Pakistan subject to conditions prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

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

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.

Trainee Officer Program

Management Trainee Officer Program Graduate Trainee Officer Program Trade Batch OfficerProgram IT Trainee Officer Program Management Trainee Officer Program Bank AL Habib Management Trainee Officer Program is a talent nourishment program guided by our value system, and it is aligned with our corporate goals for developing future leaders of Bank AL Habib and Pakistan. Fast-track your career with Bank AL Habib Management Trainee Officer Program. You will be given an opportunity to learn from industry professionals, seasoned Bankers and benefit

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

Investment Opportunities

Islamic Term Deposit (TDR) Islamic Mahana Munafa (TDR) Real Estate Investment AL Habib Islamic Term Deposit Earn better profits than the regular saving accounts. If you have financial ability to tuck away your money for a certain period of time and can place your deposit in a fixed tenure, for example for six months. The AL Habib Islamic Term Deposit Account gives you opportunity to  earn Shariah compliant returns in flexible deposit periods, which is tailor-made to meet your short-term and long-term financial needs. Key Features Term deposits based on Islamic principles of Mudarabah Available in tenures of 1-month, 3-months, 6-months, 1-year, 3-years, and 5-years Minimum balance required PKR 25,000/- Early encashment is allowed as per applicable Terms & Conditions Profit rates are declared on monthly basis in arrears Profit payout at maturity basis Withholding Tax on profits and Zakat will be applicable as per laws Deposit may be provided as security for allowing limits under Shariah Compliant modes of Finance Download Form Download KFS AL Habib Islamic Mahana Munafa Earn better profits than the regular saving accounts. AL Habib Islamic Mahana Munafa Term Deposit lets you earn high Shariah compliant profits when you keep your savings for a fixed term. No need to use the principal, just enjoy the monthly profits. Key Features Term deposits based on Islamic principles of Mudarabah Available in tenures of one and three years Mahana Munafa Account can be opened with PKR 25,000/- Profit will be paid on monthly basis Early encashment is allowed as per applicable Terms & Conditions Withholding Tax on profits and Zakat will be applicable as per laws Deposit may be provided as security for allowing limits under Shariah Compliant modes of Finance Download Form Download KFS Investment in Real Estate Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds digitally in commercial and residential real estate in Pakistan with ease and convenience. Direct Investment Registered Scheme Salient Features Direct Investment Investment in Registered Schemes Easy & Convenient Payment Options Relaxation in taxes Easy Repatriation of Funds Anytime (Terms & Conditions apply) .termdepositIcon.termdeposit-1 { background-image: url('/files/images/mahana_munafa.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/COVID19-icons-05.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/COVID19-icons-04.svg'); } .termdepositIcon.termdeposit-4 { background-image: url('/files/images/gem-01.svg'); } .termdepositIcon.termdeposit-5 { background-image: url('/files/icon/security_tips.svg'); } .termdepositIcon.termdeposit-7 { background-image: url('/files/images/fixed_term_deposit.svg'); } .termdepositIcon.termdeposit-8 { background-image: url('/files/images/special_saver.svg'); } .social-section span { font-size: 33px; color: #15804f; vertical-align: middle; } .social-section strong { margin-right: 5px; vertical-align: middle; } .social-section a { display: inline-block; width: 40px; height: 40px; background: #15804f; border-radius: 50px; margin: 0 3px; vertical-align: middle; } .social-section a i { color: #fff; font-size: 40px; line-height: 40px; } .social-section a .icon-instagram { width: 40px; height: 40px; background-size: 70%; } .social-section a:hover { background: #fbb040; text-decoration: none; } .social-section a:hover .icon-instagram { background-image: url('/files/images/intagram-icon.svg'); } .schedule-txt { display: inline-block; padding: 12px 20px; background: #cccccc61; margin: 10px 0 25px 0; } .schedule-txt p { margin: 10px 0; } .schedule-txt strong { width: 200px; display: inline-block; } .atm-content { direction: ltr; text-align: left; } .table-responsive { display: table; } div.dataTables_wrapper div.dataTables_length select { font-family: gilroy; } table.dataTable thead .sorting:before, table.dataTable thead .sorting:after, table.dataTable thead .sorting_asc:before, table.dataTable thead .sorting_asc:after, table.dataTable thead .sorting_desc:before, table.dataTable thead .sorting_desc:after, table.dataTable thead .sorting_asc_disabled:before, table.dataTable thead .sorting_asc_disabled:after, table.dataTable thead .sorting_desc_disabled:before, table.dataTable thead .sorting_desc_disabled:after { bottom: 1.5em !important; } .contentSection ul li{line-height:1.5;} @media screen and (max-width: 767px) { div.dataTables_wrapper div.dataTables_filter label { width: 100% } div.dataTables_wrapper div.dataTables_filter input { width: 84% !important; margin-bottom: 25px; } .dataTables_length { display: none; } div.dataTables_wrapper div.dataTables_paginate ul.pagination { justify-content: center !important; } .table-responsive { display: inherit; } }

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Reasons for Choosing Bank AL Habib

The workplace culture at Bank AL Habib is to keep the customer service satisfaction at its best, we are focused on assisting customer needs and businesses to succeed financially. Bank AL Habib Limited (BAHL) is a place to learn, to share ideas, to develop one’s talent, find meaning and realise one’s passion. In a short span of 25 years, BAHL has secured its position as one of the top banks in Pakistan, just the right place that offers opportunities of growth, progress and developing a successful career! Our people come from diverse backgrounds, they bring unique perspectives to our collaborative environment, every employee is a valuable resource who needs to be nurtured, and respected. Employees’ happiness quotient is very important to us, that is why constant communication is maintained to gauge their happiness. We believe that when talent is merged with the right opportunity in an organization, amazing things can happen. This is what makes Bank AL Habib, a place of opportunity, where your skills can help you make your banking career with us.

Business Dealings

Business Dealings We fulfill our commitments towards our customers and shareholders as their custodians so as to further strengthen their trust in us. We conduct all business dealings with integrity, prudence, fairness, and courtesy. We aim to ensure that the interests of the Bank, its customers, shareholders, and employees are safeguarded and corporate objectives and strategies are implemented. We must continually upgrade and expand our products and services to support the Bank’s growth and to anticipate and meet the changing requirements of our customers. We shall avoid all such activities in which our personal interests conflict with the interests of the Bank, its customers and shareholders, and shall ensure ethical handling of any actual or apparent conflict of interest. We shall always endeavor to contribute towards the betterment, development, and growth of the Bank.