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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

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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

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Other Information

“TFP Award 2017” from Asian Development Bank (ADB). The Bank has received Trade Finance Program Award for leading Partner Bank in Pakistan 2017. “Bank of the Year (Mid-Size Banks) 2017” by CFA Society Pakistan. This is the sixth time that the Bank has received this award, having received it earlier for the years 2009, 2010, 2011, 2012 and 2016. “Top 25 Companies Award” for the year 2017 by the Pakistan Stock Exchange Limited. Criteria for the award include dividend payout, capital efficiency, profitability, free-float of shares, transparency, corporate governance & investor relation and compliance with listing of companies & securities regulations. Alhamdolillah, this is the seventh time that the Bank has been selected for this award. “The Strongest Bank Balance Sheet in Pakistan, 2013” by The Asian Banker. This certification is based on the strength, liquidity and sustainability of the balance sheet in a challenging market place. “Award of Recognition, 2010” from International Finance Corporation (IFC) as the Most Active GTFP (Global Trade Finance Program) Issuing Bank in Middle East & North Africa for “South-South” Trade. This is the second consecutive year that the Bank received an award from IFC in recognition of participation in GTFP. “Membership of industry associations and trade bodies of the Bank are KCCI, PBA and 1Link.”

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About Us

Bank AL Habib Dawood Habib Group, the sponsor of Bank AL Habib Limited has a history in the banking sector dating back to the 1920’s. The group played a major role in meeting the financial needs of Pakistan making it the first institution to provide banking services to the new Country. Dawood Habib Group Dawood Habib Group the sponsor of Bank AL Habib Limited has a long track record in banking that dates back to the 1920s. The Group was among the founding members of Habib Bank Limited and played a major role in meeting the financial and banking needs of Pakistan. It was nationalized along with other Banks in Pakistan on January

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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

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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

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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 ×

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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.

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Financial Institutions

Documentary Letter of Credits Export LCs - Advising, Adding Confirmation, Negotiation, Discounting. Import LCs – Issuance of Import LCs. Correspondent Banks NOSTRO Accounts and Routing Detail for Remittances Bank AL Habib Ltd - Pakistan Account List Routing Detail Of Different Currencies

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Guarantees

Foreign Bank Guarantees Upon the request of our customers and against collaterals and limits accorded to them subject to approval of our Central Bank (if required), we issue Counter Guarantees ( SBLCs, Performance Bonds, Bid Bonds and Advance Payment Guarantees etc) to our Foreign Correspondent Banks. Against Counter Guarantees of Foreign banks we issue our Guarantees to beneficiaries in Pakistan. It is based on the concept that the issuer undertakes to pay the beneficiary upon presentation of complying demand.

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Results 1-5 of 18

Islamic Senior Citizen Account

Growing old has its privileges Let AL Habib Islamic Senior Citizen Account take care of your banking and financial needs in a Shariah-compliant manner. The account offers Shariah compliant monthly profit and helps you live your golden years with pride, financial independence, ease and convenience. Compare Accounts #senior_citizen_account .lifeInsurance{display:none;}

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Islamic Foreign Currency Savings Account

Catering to your Personal needs AL Habib Islamic Foreign Currency Savings Account gives you unlimited access to your account available in US dollar only. Stay assured that your money is handled in a Shariah-compliant manner and you enjoy complete control over your cash flows with Free benefits. @media only screen and (max-width: 450px) { .fixedImgDynamic.current::after { background: rgba(51, 51, 51, 0.8313725490196079) !important; } } .fixedImgDynamic.current { background-image: url("../files/images/Foreign-Currency---Breaker.jpg ") !important; position:relative; } .fixedImgDynamic.current .container { position:relative; z-index:2; } .fixedImgDynamic.current::after{ content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; }

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Remit Account

AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features. Compare Accounts

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Islamic Asaan Current Account

Easiest way to open a Shariah compliant account AL Habib Islamic Asaan Current Account enables you, conveniently open a bank account with as little as Rs.5/-. A simplified English or Urdu single-page Account Opening Form (AOF) and minimum documentation for Pakistani Nationals residing in Pakistan. Compare Accounts .fixedImgDynamic.current {background-image: url('../files/images/current.jpg') !important;position: relative;} .carousel-item.active.bgCover.bgPosBtmLeft.page-.sliderImg.sliderImg.bannerOverlay{ background-image: url(../files/images/Bank-AL-Habib-Current-Plus-Account-01.jpg) !important; }

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Islamic Tijarat Account

A personal relationship of caring and trust Let us take care of your family if you are unable to, due to Accidental Death or Permanent Disability. With our Shariah-compliant AL Habib Islamic Tijrat Account, get Shariah compliant profit and free Takaful Coverage. Takaful Sharia compliant insurance system in which money is pooled and invested and in case of adverse circumstance shared with the people in the pool. Compare Account .fixedImgDynamic.current {background-image: url('../files/images/current.jpg') !important;position: relative;}

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Islamic Apna Individual Account

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Islamic Foreign Currency Current Account

Catering to your Personal needs AL Habib Islamic Foreign Currency Current Account gives you unlimited access to your account available in US dollar, Pound Sterling and Euro. Stay assured that your money is handled in a Shariah-compliant manner and you enjoy complete control over your cash flows with Free benefits. @media only screen and (max-width: 450px) { .fixedImgDynamic.current::after { background: rgba(51, 51, 51, 0.8313725490196079) !important; } } .fixedImgDynamic.current {background-image: url("../files/images/Foreign-Currency---Breaker.jpg" ) !important; position: relative;}

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Islamic Young Savers Account

Make Saving Fun and let them learn the benefits AL Habib Islamic Young Savers Account helps develop the habit of savings in Young Pakistanis under the guardianship of Parents. Make them part of savings for their future financial needs. They earn Shariah compliant profits based on Islamic principles and see their savings grow. Compare Accounts #young_savers_account .lifeInsurance{display:none;}

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Islamic Current Account

Catering to your personal needs AL Habib Islamic Current Account gives you unlimited access to your account with no restrictions on withdrawals. Stay assured that your money is handled in a Shariah-compliant manner and you enjoy complete control over your cash flows with a host of free benefits. Compare Accounts .fixedImgDynamic.current { background-image: url(../files/images/current.jpg) !important; position: relative; }

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