Trade Finance Facilities

We provide technical assistance to our customers for all type of trade businesses. Based on various modes of Islamic Finance, the facilities have been provided to suit the trade needs of customers. We provide solutions of all trade needs. Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Import Facility Imports in Pakistan by establishing Letter of Credits (LCs). Handle impo

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 to 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 shall be given an opportunity to learn from industry professionals, seasoned Bankers and benefit from banking knowledge through a well-planned training plan.  Encompassing an experiential learning approach through classroom training and on-field assignments, Management Trainee Officers shall have an opportunity to interact with banking experts and learn from their experience.  A combination of case studies, project assignments, and evaluations shall refine and equip Management Trainee Officers to handle hands-on problems of the Banking arena in Pakistan. We look forward to transforming you into future leaders of Bank AL Habib. Eligibility Criteria Master’s Degree / 04 years Bachelor Degree from HEC recognized / Foreign UniversityMinimum CGPA 3.0 or 70% marks (where CGPA is not applicable)Maximum age up to 25 years. Program Highlights Training Duration – 6 Months Perks and Benefits Health Insurance

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 ×

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

Dawood Habib Group

Dawood Habib Group Bank AL Habib Limited is a group company of Dawood Habib Group that has a long track record of banking. The group was amongst the sponsors and founder members of Habib Bank Limited, which was established in Bombay in 1941. Upon creation of Pakistan, the bank shifted its Head Office to Karachi and played a vital role in meeting the banking and financial needs of the country. Habib Bank was the leading private sector bank in Pakistan, with a large network of branches in the country as well as abroad, when it was nationalized by the Government of Pakistan along with all other private Pakistani banks on January 1, 1974. In 1991, the Government of Pakistan decided to allow the private sector to establish commercial banks in the country. It was under this privatization policy that Dawood Habib Group was granted permission by the Government to set up a new commercial bank in Pakistan. Accordingly, Bank AL Habib Limited was incorporated in October 1991 and commenced operations in January 1992. Although Bank AL Habib started functioning in 1992, it embodies the same high standards of integrity, prudence, and trust which has been the hallmark of the Habib’s banking tradition for over 70 years.

AL Habib at Work

Salary Accounts AL Habib At Work is a comprehensive banking solution designed to address the banking needs of employees of an organization. It is suitable for small businesses as well as large corporates. Convenient bulk account opening, on site debit card delivery, free account benefits, digitization of salary payment along with much more to provide an unmatched experience for employers and their employees. Key Features No Minimum Balance Requirement On Site Account Opening & Debit Card Delivery Free Debit Card Issuance And Annual Fees* Free Cheque Book And Banker’s Cheques* Free ATM Cash Withdrawals From Any Bank’s ATM Across Pakistan Free Inter Bank Funds Transfers Exclusive Insurance/Takaful Coverage* *Terms and Conditions apply Benefits For Employers/Companies Streamlined salary transfer solution through AL Habib Payments System Simplified on-site bulk account opening process Convenient MIS reports ensuring up-to-date insights Swift salary disbursal turn around time Dedicated Relationship Manager to address all your payroll related needs and concerns Benefits For Employees On premises account opening, eliminating the need to visit a branch No minimum balance and no initial deposit requirement A suite of  special account privileges Debit Cards delivered at premises Availability of Consumer Banking products Complimentary Insurance/Takaful Coverage Email Us info@bankalhabib.com BAHL Helpline (+92-21) 111-014-014 Nearest Branch Branch Locator .bgPosBtmLeft.page-alhabib-at-work { background-position: center center !important; } .dark-mode .card{background-color:#333 !important} .carousel-caption h1.caption-heading { display:none !important; } img { max-width:300px; } @media screen and (max-width: 767px) { img { max-width:180px; } }

Apni Car – Islamic Auto Finance - DM

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."

Islamic SME Financing

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.