Careers Frequently Asked Questions

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.

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;}

Credit Ratings

PACRA upgrades Entity & Instrument Ratings of Bank AL Habib Limited. Alhamdulillah, Pakistan Credit Rating Agency Limited (PACRA) has upgraded the Bank’s long term entity rating at AAA (Triple A). These ratings denote a lowest expectation of credit risk, indicate exceptionally strong capacity for timely payment of financial commitments. The short term rating of the Bank has been maintained at A1+ (A one plus). The ratings of our unsecured, subordinated TFCs have also been upgraded at AA+ (Double A plus) for TFC-2018, and AA (Double A) for TFC-2017 (perpetual). The ratings reflect BAHL’s strong performance, exceptional asset quality and healthy financial profile emanating from a strong equity base. The Bank’s business strategy derives strength from its strong positioning in niche market-trade finance. The ratings draw comfort from the Bank’s experienced management team, prudent risk management policies and deep rooted relationship with clients-borrowers as well as depositors. The ratings incorporate the Bank’s ability to capitalize on its branch network, expansion of deposit base via product innovation and diversification of advances portfolio by establishing relations with business entities in various sectors. Notably, the Bank’s deposit emanate from a wide client base, with a major proportion from in

RDA Service Request Form

Roshan Digital Service Form allows Roshan Digital Account holders to request the following services: Fund Transfer Payment of Utility Bills Issuance of Banker’s Cheque, Foreign Demand Draft and Foreign Telegraphic Transfer Cash Withdrawal Cheque Book Request You can nominate a person to collect the requested cash withdrawal or bankers Cheque. Filled and signed forms are required to be emailed to us at rda@bankalhabib.com Our representative will contact you to process your request further. For customers requesting services for the first time would be required to submit the following indemnity form along with the services form. Service Request Form Email Indemnity for RDA Transactions For all future requests indemnity form will not be required

Agriculture Finance Products

AL Habib Kissan Farm Murabaha This scheme offers finance for crops input requirements such as seeds, fertilizers, pesticides, diesel, gunny bags, etc. It is a Murabaha facility with tenor matching the lifecycle of the crop.

Utility Bills Payment

Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are. Pay your taxes against your pre-generated Payment Slip ID (PSID) through: No More Paperwork and Long Queues! Bank AL Habib ATMs AL Habib Netbanking and AL Habib Mobile Counters at the Bank AL Habib nationwide branch network Track your tax payments Get receipts of your tax payments No submission of physical challan For further assistance, please visit any of our nearest branch or contact our 24/7 Call Center at 111-014-014. Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC), currently ATM / Debit Card, Netbanking and AL Habib Mobile. BAHL value added Bill Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week from any BAHL ATM across Pakistan and BAHL Netbanking and AL Habib Mobile. It is simple, easy to use and above all this service is free of cost. At present customer can pay bills for the following companies. Through ATM 1. Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB,FWASA,KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment),Oneload 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS,BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL 6. Clubs Creek Club, Karachi Club, Karachi Boat Club 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 8. Engro Engro Fertilizer 9. Online Store/Digital Payments Daraz.pk, Jazz Cash Voucher 10. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 11.  Welfare & Tax FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Donation TCF 13. Aggregator Kuickpay, ConnectPay 14. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 15. Bus/Air Line Daewoo Express 16. DHA Payments DHA IR (Islamabad & Rawalpindi) Through Bank AL Habib Netbanking 1. Utility Companies Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB, FWASA, KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment) 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS, BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL, 1Load, 6. Clubs Creek Club, Karachi Club, Karachi Boat Club, Dreamworld 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 9. Fertilizers Engro Fertilizer 10. Franchise Ufone 11. Welfare & Tax SECP,FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 13. Online Store/Digital Payments Jazz Cash Voucher 14. Aggregator Kuickpay, ConnectPay,PAYPRO 15. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 16. Travelling Daewoo Express 17. Water & Sewerage DHA IR,FAWASA,KWSB 18. Shipping Companies DP World   For any issue or complaint, please contact: Your relationship branch where your account is maintained BAHL 24X7 Call Center 111-014-014 info@bankalhabib.com

Islamic SME Financing

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

Declaration of Profit

Declaration of Profit on various Deposits for the Month ended May 31, 2025 Bank AL Habib Limited – Islamic Banking Division has declared the following Profit Rates: S. # Products Profit Rates 1 AL Habib Savings Deposit 8.31% 2 AL Habib Woman Islamic Savings Account 9.50% 3 AL Habib Woman Islamic Asaan Savings Account 9.50% 4 AL Habib Woman Islamic Digital Savings Account 9.50% 5 AL Habib Woman Islamic Asaan Digital Savings Account 9.50% 6 AL Habib Islamic Armed Forces Pensioner Savings Account (profit paid monthly) 8.31% 7 AL Habib Islamic Armed Forces Savings Account 8.31% 8 AL Habib Islamic Asaan Savings Account 8.31% 9 AL Habib Islamic Asaan Digital Savings Account 8.31% 10 AL Habib Islamic Digital Savings Account 8.31% 11 AL Habib Islamic Asaan Remittance Account 8.31% 12 AL Habib Islamic Remit Saving Account 8.31% 13 AL Habib Islamic Remit Digital Saving Account 8.31% 14 AL Habib Islamic Freelancer Account Savings 8.31% 15 AL Habib Islamic Freelancer Digital Account Savings 8.31% 16 Mahana Amdani Savings Account 8.31% 17 Al Habib Islamic Income Plus 0 - 499,999 8.48% 18 Al Habib Islamic Income Plus 500,000 - 999,999 8.50% 19 Al Habib Islamic Income Plus 1,000,000 - 2,499,999 8.55% 20 Al Habib Islamic Income Plus 2,500,000 - 4,999,999 8.60% 21 Al Habib Islamic Income Plus 5,000,000 - 9,999,999 8.65% 22 Al Habib Islamic Income Plus 10,000,000 - 24,999,999 8.65% 23 Al Habib Islamic Income Plus 25,000,000 - 49,999,999 8.65% 24 Al Habib Islamic Income Plus 50,000,000 - 99,999,999 8.65% 25 Al Habib Islamic Income Plus 100,000,000 - 199,999,999 8.65% 26 Al Habib Islamic Income Plus 200,000,000 - 499,999,999 9.00% 27 Al Habib Islamic Income Plus 500,000,000 & above 9.00% 28 Roshan Digital Savings Account 8.31% 29 AL Habib Tijarat Account (Current Remunerative) 0.01% 30 AL Habib Apna Individual Account (Current Remunerative) 0.01% 31 AL Habib Pay AC 0.01% 32 AL Habib Pay Plus AC 0.01% 33 AL Habib Islamic Young Savers Account 8.31% 34 AL Habib Islamic Senior Citizen Account (profit paid monthly) 9.00% 35 Term Deposit One Year Senior Citizen Account (profit paid monthly) 9.50% 36 Term Deposit - 7 Days 3.34% 37 Term Deposit - 1 month (1 - 9,999,999) 7.50% 38 Term Deposit - 1 month (10,000,000 - 24,999,999) 7.75% 39 Term Deposit - 1 month (25,000,000 - 49,999,999) 8.00% 40 Term Deposit - 1 month (50,000,000 - 99,999,999) 8.25% 41 Term Deposit - 1 month (100,000,000 & above) 8.50% 42 Term Deposit - 3 months (1 - 9,999,999) 8.00% 43 Term Deposit - 3 months (10,000,000 - 24,999,999) 8.25% 44 Term Deposit - 3 months (25,000,000 - 49,999,999) 8.50% 45 Term Deposit - 3 months (50,000,000 - 99,999,999) 8.75% 46 Term Deposit - 3 months (100,000,000 & above) 9.00% 47 Term Deposit - 6 months (1 - 9,999,999) 8.70% 48 Term Deposit - 6 months (10,000,000 - 24,999,999) 8.90% 49 Term Deposit - 6 months (25,000,000 - 99,999,999) 9.10% 50 Term Deposit - 6 months (100,000,000 & above) 9.30% 51 Term Deposit - 1 year (profit paid monthly) 9.50% 52 Term Deposit - 1 year - (1 - 9,999,999) (profit paid at maturity) 10.00% 53 Term Deposit - 1 year - (10,000,000 - 24,999,999) (profit paid at maturity) 10.25% 54 Term Deposit - 1 year - (25,000,000 - 49,999,999) (profit paid at maturity) 10.50% 55 Term Deposit - 1 year - (50,000,000 - 199,999,999) (profit paid at maturity) 10.75% 56 Term Deposit - 1 year - (200,000,000 & above) (profit paid at maturity) 11.00% 57 Term Deposit - 3 years (profit paid monthly) 5.49% 58 Term Deposit - 3 years - (1 - 9,999,999) 5.53% 59 Term Deposit - 3 years - (10,000,000 - 24,999,999) 5.64% 60 Term Deposit - 3 years (25,000,000 - 49,999,999) 5.64% 61 Term Deposit - 3 years (50,000,000 - 199,999,999) 5.64% 62 Term Deposit - 3 years (200,000,000 & above) 5.64% 63 Term Deposit - 5 years (profit paid at maturity) 5.20% 64 IFRE (Islamic Finance for Renewable Energy) 2.46% 65 ILTFF – 10 years (Textile) 2.14% 66 ILTFF – 5 years (Textile) 5.88% 67 ILTFF – 3 years (Textile) 5.34% 68 ILTFF – 10 years (Non-Textile) 2.94% 69 ILTFF – 5 years (Non-Textile) 4.11% 70 ILTFF – 3 years (Non-Textile) 2.72% 71 ITERF – (Islamic Temporary Economic Re-Finance) 1.01% 72 SBP - Islamic Refinance for Modernization of SMEs 2.14% 73 SBP - Islamic Financing Facility for Storage Product (IFFSAP) 2.46% 74 IB AL Habib Signature Account 0.01%   Foreign Currency-USD S. # Product Profit Rates 1. Saving Account USD (0-4,999)1.00% 2. Saving Account USD (5,000-9,999) 1.24% 3. Saving Account USD (10,000-24,999) 1.46% 4. Saving Account USD (25,000-99,999) 1.77% 5. Saving Account USD (100,000 & Above)2.05% 6. Roshan Digital Saving Account USD (0 - 4,999) 1.00% 7. Roshan Digital Saving Account USD (5,000 - 9,999) 1.24% 8. Roshan Digital Saving Account USD (10,000 - 24,999) 1.46% 9. Roshan Digital Saving Account USD (25,000 - 99,999) 1.77% 10. Roshan Digital Saving Account USD (100,000 & Above) 2.05% Foreign Currency- EURO & GBP S. # Product Profit Rates 1. Saving Account EURO & GBP (0-4,999) 0.83% 2. Saving Account EURO & GBP (5000-9,999) 1.02% 3. Saving Account EURO & GBP (10,000-24,999) 1.54% 4. Saving Account EURO & GBP (25,000-99,999) 1.76% 5. Saving Account EURO & GBP (100,000 & Above) 1.95% 6. Roshan Digital Saving Account EURO & GBP (0 - 4,999) 0.83% 7. Roshan Digital Saving Account EURO & GBP (5,000 - 9,999) 1.02% 8. Roshan Digital Saving Account EURO & GBP (10,000 - 24,999) 1.54% 9. Roshan Digital Saving Account EURO & GBP (25,000 - 99,999) 1.76% 10. Roshan Digital Saving Account EURO & GBP (100,000 & Above) 1.95% The above declared profit rates have been approved by the Resident Shariah Board Member (RSBM).