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

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

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;}

Customer Services

We at Bank AL Habib continuously strive for excellence and make your experience a remarkable one with us through serving you at all touch points. Customer Satisfaction Survey Your participation in this survey is highly appreciated, as it will enable us to gain a deeper understanding of your experiences, needs and expectations. Your input is invaluable to us as we strive for excellence in customer satisfaction. We encourage you to take part in the survey and share your thoughts. Online Customer Survey Customer Awareness Service StandardsDownload PDF Know Your Rights and Responsibilities as a Bank’s Consumer.Download PDF Guidelines of Business Conduct for Banks.Download PDF Customer Awareness Brochure Click here to view details You received a suspicious email. If you inadvertently give out your personal information, call us at 111-014-014. Your debit card was lost or stolen. If your debit card was lost or stolen, call us at 111-014-014, where you can also temporarily block your debit card. Downloads Guidelines for Clearing Operations C

Personal Banking

Current Accounts Saving Accounts Foreign Currency Accounts Term Deposit Islamic Apni Car Locker Facility Ways to Bank Bank Accounts AL Habib Islamic Banking offers a range of Bank Accounts to meet your personal needs. Compare and choose the account that suits your needs with the peace of mind that your money is handled in a Shariah compliant way.

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

Islamic SME Banking

Short Term Financing (Working Capital Needs) Bank AL Habib Islamic Banking Division offers diverse Shari’ah compliant solutions with flexibility of choice to cater the financing need of SMEs in a safe, simple and pleasant way. AL Habib Islamic Murabaha A short term financing facility for purchasing of raw materials, and other assets by Bank and its onward sale to the customer on cost plus profit basis usually with deferred payment. This product is suitable for manufacturers, traders, importers to procure / import any kind of Shariah permissible goods (raw / semi-finished / finished / processing / packing material etc). AL Habib Islamic Istisna (Suitable For Manufacturers) A short term financing facility in which the Bank orders the manufacturer to manufacture goods as per the specification of order. Once Istisna goods are manufactured, goods are delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent and finance is realized through their sales / export proceeds. AL Habib Islamic Musawama (Suitable For Finished Goods Financing) A Short term financing facility for meeting liquidity requirements of the customers in which the Bank purchases the finished / manufactured goods of the customer which are ready to sale. These goods are then delivered to the Bank. After taking delivery, these goods are locally sold / exported by the customer acting as Bank’s Agent. The finance is then realized through their sales / export proceeds.

Corporate Social Responsibility

The Bank is fully committed to the concept of Corporate Social Responsibility and fulfills this responsibility by engaging in a wide range of activities which include: Corporate philanthropy amounting to Rs. 159.8 million by way of donations during the year for health, social and educational development and welfare of under-privileged people; Energy conservation, environmental protection, and occupational safety and health by restricting unnecessary lighting, implementing tobacco control law and “No Smoking Zone”, and providing a safe and healthy work environment; Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank’s “Code of Conduct”;

Refinancing Facility for SME Modernization

About Scheme Small and Medium Enterprises (SMEs) play an important role in creation of employment opportunities, economic growth and poverty reduction. In order to encourage SMEs to modernize their factories for producing quality products and to meet their power shortages, State Bank of Pakistan (SBP) has introduced Refinance Facility for Modernization of SMEs. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedure and reducing turnaround time for lending to the SMEs so you can continue your activities on a fast track. Qualified staff in our branches is there to help and support you on procedures for borrowing and make it convenient for you. Easy & Low Cost Financing Facility is available for flexible tenors up to maximum of 10 years. It can be availed for setting up new SMEs, for purchase of local or machinery and new generators. Financing Tenor 10 Years (6 months grace period) Mark Up Rate 6% Per Anum Financing Facility for SME Borrowers New Machinery Financing For Local purchase/import of new machinery for BMR of existing units Generators Financing Setting up ne

Roshan Qurbani