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Livestock Financing For Dairy Farmers

About Scheme Finance facility is available for eligible farmers, under our approved product “AL Habib Kissan Livestock & Dairy Development Finance Scheme" against acceptable collateral and cash flows. Bank AL Habib and Nestle’ Pakistan have an agreement to provide short, medium and long-term financing facilities to dairy farmers affiliated with and duly recommended by M/S. Nestle’ Pakistan Ltd. Main Features Dairy farmers working with Nestlé since last more than 2 years with a valid CNIC/identity doc, living / working in the area for more than five 5 years. One year running finance facility, renewable every year upon satisfactory conduct to meet day to day requirement of running dairy/livestock farms. Term Finance Facility, for a tenor from 2 to 5 years to purchase animals, livestock & dairy equipment/machinery and distribution / transportation requirement. These financing facilities are available at discounted mark-up rates. SBP Refinance Scheme Talk to our Agri Experts

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

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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; }

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

Debit Cards

AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.

Agriculture Banking

Introduction Agriculture sector is a vital component of Pakistan’s economy as it provides the raw materials to industries down the line and helps in poverty alleviation. This sector contributes 22.7 percent to the GDP and it remains by far the largest employer absorbing around 37.4 percent of the country's according to Economic Survey of Pakistan 2021-22. The entire spectrum of agriculture sector needs financial support for its sustainable growth. Keeping the importance of the sector in view, BAHL has established a full-fledge division with a sizable field force across Pakistan to provide financial facility at the door step of the farming community with a special focus on underserved areas. In this regard, the bank is directly engaging farmers as well as Agriculture Value Chain Actors (Processors of fruit, meat, milk, etc.) to fulfill their financial needs. Bank AL Habib Limited (BAHL) offers agriculture financing in crop and non-crop sectors. Agriculture Financing Products SBP Refinance Scheme Overview of Agriculture Banking Urdu Sindhi Balochi Pashto Talk to our Agri Experts