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; }

eCIB

Returns & Reconciliation Division Mr. Hasnain Abbas Lakhani Mr. Mir Sajid Ali To submit your query / feedback Electronically Address Bank AL Habib Ltd, Returns & Reconciliation Department PABX +92 21-32470135 to 44

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

AL Habib Woman Islamic

Anti-Bribery And Corruption Policy

Definitions “Corruption” means abuse of official position for an improper private advantage or gain. “Bribery” means inducing the holder of an official position to act in a corrupt manner, by providing such person or their close relative anything of value in order to obtain or retain business or to reward an improper decision or favour. Explanation: “Anything of Value” extends beyond cash or cash equivalents to include non-cash items and favours as well. Prohibition and Zero Tolerance All employees of Bank AL Habib, whether temporary or confirmed, permanent or contractual, are instructed to carefully note and strictly comply with the following: Values and Code of Conduct of the Bank are totally incompatible with bribery and corruption, which have no place at all at Bank AL Habib. The Bank has Zero Tolerance for any activity involving bribery and corruption. It is strictly prohibited for all employees of the Bank to engage in any activity involving bribery and corruption, in Pakistan or overseas. Employees working in overseas offices of the Bank should familiarize themselves with the applicable anti-bribery and corruption laws and regulations of the respective country, and meticulously comply with the same. This policy should be circulated to all employees of the Bank. It should be brought to the notice of all new employees by Human Resource Division at the time of their joining the Bank. Reporting of Violations: It is the duty of all employees to ensure compliance with this policy. Any violation or suspected violation of the policy noted by an employee should be reported by them as laid down in the Bank’s Policy on Reporting of Violations (“Whistleblowing Policy”) and investigated promptly. As the Bank has Zero Tolerance for violation of this policy, any employee who violates it will be subject to disciplinary action and may also face penalties under the applicable laws and regulations of the country. Records of bribery and corruption related instances should be maintained at Fraud Investigation Unit (FIU) who should arrange to present these to the Audit Committee and the Board for information and review, on semi-annually basis. Review and Amendments The Anti-bribery and Corruption Policy will be approved by the Board of Directors and will be effective from the date of its approval. This policy will be reviewed on annual basis for any amendments.

AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage their accounts in Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis with a simple, secure & convenient online digital account opening process which, will ultimately help them make payments, investments and avail various other banking facilities while being abroad. View Details View Details View Details View Details Other Investment Opportunities View Details RoshanQurbani View Details Roshan ServiceRequest Form View Details Product Features Free E-Statements Free Cheque Books Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Free Life Takaful Terms and conditions applied Bi-annual Profit Payout on Savings Account Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Savings Account KFS Free Life Takaful Coverage for customers with following eligibility criteria: New accounts eligible after 30 continuous days of opening of account Claims payable on the basis of 90 days of average balance in customer account Maximum claim payable on Natural Death / Permanent Disability - PKR 2 Million Maximum claim payable on Accidental Death - PKR 4 Million In case of joint account, any one of the account holders will be covered Admissible age limit of claim - 18 to 60 years Steps to Open AL Habib Roshan Digital Account Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: a Foreign Currency Account or a Pak Rupee Account. Upload required documents mentioned in "required documents" and a Live Photo. Receive confirmation on provided email with a reference number. The account opening confirmation will be intimated within 2 working days through email. Required Documents The following scanned documents are required for opening of AL Habib Roshan Digital Account: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and / or foreign / passport of other country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry / exit stamps etc.) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letter head or bank account statement etc.) Live Photograph  Before Getting Started Filling of account opening form will approximately take 10-15 minutes. After gathering the Required Documents you will need to scan and upload them. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. All fields are mandatory. You will have to acknowledge declaration to proceed to next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome or Firefox to avoid any difficulties during the process. Before you start we advise you to also clear your browser cache / cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now .mt25{ margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; color:#ffaf3c; padding-left:10px;} .decimal ul li span.gray{color:#333;} × .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; }

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 319 dedicated Islamic branches. In addition, it also operates from 10 Islamic Banking Windows established in selected conventional branches of the bank. This Islamic network is spread over 123 major cities of Pakistan. Shariah Compliance Department (SCD) Personnel Islamic Branches 319 Islamic Windows 10 Cities Covered 123

Refinance and Credit Guarantee Scheme for Women in Undeserved Areas

About Scheme In order to improve access to financing facility, especially for the women entrepreneurs operating in the underserved areas of Pakistan, Bank AL Habib offers a refinance along with credit guarantee scheme for female borrowers. Financing Tenor Financing Tenor 10 Years (6 months grace period) Mark Up Rate 5% Per Anum Limit/Exposure 1.5 Million Maximum Main Features Financing facility is available for women entrepreneurs in the underserved areas. Financing under the scheme is provided for setting up of new business enterprises or for expansion of existing ones. Underserved Areas Districts Excluded From Definition of Underserved Areas 01 Lahore

Customer Security Awareness

Introduction For the Netbanking Customers of Bank AL Habib, an extensive Customer Awareness Programme has been established to make our customers aware of initiatives undertaken by the Bank to facilitate its customers in enjoying secure internet banking. Security Tips Latest Internet Threats Identity Theft SIM Replacement Social Media Keystroke Capturing Social Engineering From time to time, Bank AL Habib will also issue updated guidelines and alerts for the continued security of our customers while using the Netbanking services. These guidelines/alerts are formulated both in English and Urdu for your convenience, and c

Proceed Realisation Certificate (PRC)

Introduction PRC ( Proceed Realisation Certificate ) is the authentication/verification from the processing bank that remittance has been received and processed from an overseas arrangement. In light of the Government of Pakistan's vision for Digital Pakistan, Bank AL Habib has initiated an automated portal for ePRC ( Electronic Proceed Realisation Certificate ) issuance and verification. Bank AL Habib Customers can now immediately receive a PRC certificate digitally once remittance has been credited into their account. Click here to download the user guide ePRC sPRC Verify Receive ePRC for single remittance Download, view or print your PRC for remit received in your account or request the bank to email it to you on your registered email address. View ePRC Receive sPRC for multiple remittances Request your sPRC, (Statement of Proceed Realisation Certificate) through this option for a particular time period of a financial year. View sPRC Government agencies can now verify PRCs in a single click Real-time verification of ePRCS issued by Bank AL Habib to its customers for their home remittances. Verify .termdepositIcon.termdeposit-1 { background-image: url('/files/images/eprc-icon.svg'); } .termdepositIcon.termdeposit-2 { background-image: url('/files/images/sprc-icon.svg'); } .termdepositIcon.termdeposit-3 { background-image: url('/files/images/verify-certificates.svg'); } #lostCard{background-color:#fff;}