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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 founder 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 1, 1974. Under the subsequent privatization policy of Government of Pakistan, Dawood Habib Group was granted permission to set up a commercial bank.

Bank AL Habib was incorporated as a Public Limited Company in October 1991 and started banking operations in 1992. The Late Hamid D. Habib, grandson of the founder of Habib Group, was the first Chairman of Bank AL Habib Limited. He was the Director in Habib Bank Limited from 1954 and its Chairman from 1971 until its nationalization.

After the death of Mr. Hamid D. Habib in May 2000, Mr. Ali Raza D. Habib, who was Director on the Board, he was appointed the Chairman of the Bank, a position he continued to hold till October 2016. The Late Rashid D. Habib, who was the Managing Director of Habib Bank Limited from 1953 till it's nationalization, was appointed as the Managing Director & Chief Executive of Bank AL Habib Limited until he passed away in 1994.

After his demise, Mr. Abbas D. Habib, the Joint Managing Director and a close associate of Bank AL Habib since its inception in 1991, was appointed as the Managing Director and the Chief Executive of the Bank. He currently holds the prestigious position of Chairman of the Board of Directors while Mr. Mansoor A. Khan has been appointed as Chief Executive effective November 1, 2016

In a short span of 28 years, the Bank's assets have grown to more than PKR 1 trillion, with a network of more than 1245 branches and sub-branches, a Wholesale Branch in the Kingdom of Bahrain, Malaysia and Representative Offices in Dubai, Istanbul, Beijing and Kenya.

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History of Bank AL Habib

Vision Statement

To be our customers' most convenient and trusted bank

Mission Statement

To make banking safe, simple, and pleasant

Board of Directors

The Board of Directors of the Bank comprises of the following

CHAIRMAN
Mr. Abbas D. Habib

Mr. Abbas D. Habib, Founder Member & Chairman of the Board, has over 50 years’ commercial, industrial and banking experience in the domestic and international markets. He is a Fellow Member of the Institute of Bankers, Pakistan. He has held senior management positions with various organizations of the Habib Group and gained international banking experience. He has also served on the Board of Habib Insurance Company Limited. Upon the inception of Bank AL Habib Limited in 1991, he became its Director and Joint Managing Director. He assumed responsibilities as Managing Director and Chief Executive of the Bank on May 8, 1994, and served in that position till October 31, 2016. He became Chairman of Bank AL Habib Limited on November 1, 2016. He is also the Chairman of the Board of AL Habib Asset Management Limited, a wholly owned subsidiary of the Bank since August 11, 2020.

Mr. Abbas D. Habib, Founder Member & Chairman of the Board, has over 50 years’ commercial, industrial and bank...
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NIT NOMINEE DIRECTOR
Mr. Adnan Afridi

Mr. Adnan Afridi holds a Bachelor’s degree in Economics and a Juris Doctor degree in Law from Harvard University, USA. His industry experience includes Capital Markets, Private Equity, Financial Services, Real-Estate, Health Care, Natural Resources, Logistics, Large-Scale Manufacturing, Technology and Food sectors, operating in CEO roles with Board level experience.  He assumed charge as Managing Director of Pakistan’s first and largest Asset Management Company, National Investment Trust Limited (NITL) in February 2019. Mr. Afridi has over 28 years’ international experience in Change Management, business transformation, innovation and profitability enhancement in blue chip companies, public sector and high growth situations. He has led a distinguished career in financial services and capital markets, including the position of Managing Director of the Karachi Stock Exchange, CEO of Overseas Chamber of Commerce and Industry (OICCI), Chairman of National Clearing Corporation of Pakistan (NCCPL). He has also served as a member of SECP Policy Board for 4 years. Mr. Afridi also serves as Chairman of the Board of Governors of The Kidney Center Post Graduate Institute and also as Board member of Shaukat Khanum Memorial Trust. He was also president of Old Grammarians Society and former Board member of Young Presidents’ Organization (YPO) as well as currently serving as Chairman of Young Presidents’ Organization (YPO) – Gold Pakistan. He joined the Board of Bank AL Habib Limited as a nominee of NITL in April 2019.

Mr. Adnan Afridi holds a Bachelor’s degree in Economics and a Juris Doctor degree in Law from Harvard Universi...
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DIRECTOR
Mr. Anwar Haji Karim

Mr. Anwar Haji Karim holds a Bachelor’s degree in commerce and has over 40 years’ experience in business and industry. He belongs to the Al Karam Group, a reputable business group of Pakistan, with interests in textiles and synthetics. He is the Chairman of AL Karam Textile Mills (Private) Limited and Iqbal Textile Mills (Private) Limited. He is a Founder Member of the Board of Directors of the Bank since its inception in 1991.

Mr. Anwar Haji Karim holds a Bachelor’s degree in commerce and has over 40 years’ experience in business and i...
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DIRECTOR
Ms. Farhana Mowjee Khan

Ms. Farhana Mowjee Khan, Director of Razaque Steels (Private) Limited, has over 35 years’ experience in the local and international environment. She has also served as Managing Director of Razaque Steels (Private) Limited from 1994 to 2006. She graduated from University College London, UK and is a qualified Chartered Accountant from Institute of Chartered Accountants in England and Wales, UK. Ms. Farhana Mowjee Khan is also a director of Shabbir Tiles and Ceramics Limited. She joined the Board of Bank AL Habib Limited in April 2019.

Ms. Farhana Mowjee Khan, Director of Razaque Steels (Private) Limited, has over 35 years’ experience in the lo...
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DIRECTOR
Mr. Humayun Bashir

Mr. Humayun Bashir holds an Electronics Engineering degree from University of Karachi (Dawood College of Engineering & Technology), along with finance and management courses from IBM centers in La Hulpe, Belgium, and Armonk, USA, and training in leadership and innovation from Boston University and INSEAD, France. Mr. Bashir has served 40 years at IBM, in Pakistan and the Middle East headquarters in Dubai, and was CEO of IBM Pakistan twice for 16 years till June 2016, which included Afghanistan and Iran as his operational territory for 2-3 years. He is currently serving as Chairman & advisor of Eocean, Country Advisor of Dun & Bradstreet, and Independent Director on the Boards of State Life Insurance Corporation of Pakistan, Rafhan Maize Products Co. Limited, and Nominee Director on Khushali Microfinance Bank Limited. He also served as an independent director & chairman of NCCPL, and also on the Boards of NBP mutual funds, SILKBANK, Linde/POL, Karachi Port-KPT, Export Processing Zone Authority, Foree Fintech, MIT-EP, and ICCBS Incubator. Mr. Bashir serves as the Chairman PSX IT Steering Committee; and advisor to NBP boards IT digital committee. He was elected president of the American Business Council (ABC) in 2011, president of the Overseas Investors Chamber of Commerce & Industry (OICCI) in 2012, and a member of the executive committee of the Management Association of Pakistan. He joined the Board of Bank AL Habib Limited in June 2024.

Mr. Humayun Bashir holds an Electronics Engineering degree from University of Karachi (Dawood College of Engin...
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Director
Mr. Mohammad Rafiquddin Mehkari

Mr. Mohammad Rafiquddin Mehkari holds a Bachelor degree and has over 43 years’ experience in international and domestic banking. Mr. Mehkari has served as President & Chief Executive of Askari Bank Limited from June 2008 to May 2013. He also served as Director, Exchange Policy Department, State Bank of Pakistan. He carries a varied and versatile banking experience in all banking dimensions including operations, credit, treasury, foreign exchange, fund management and investment banking. He also served as Director on the board of: Askari Investment Management Limited, Khushhali Microfinance Bank Limited, 1- Link Limited, and Export Processing Zone. Mr. Mehkari is currently serving as member of governing board of Imdad foundation, Infaq Foundation and Centre for Development of Social Services. He joined the Board of Bank AL Habib Limited in June 2022.

Mr. Mohammad Rafiquddin Mehkari holds a Bachelor degree and has over 43 years’ experience in international and...
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Director
Mr. Qasim Habib

Mr. Qasim Habib is a banking professional with a Bachelor’s (Honours) degree in Global Finance Management from England. With over six years of experience in the banking sector, he has demonstrated exceptional leadership in Marketing, Digital Banking, and Contactless Payments segment.

Mr. Qasim Habib has served as the General Manager and Head of Marketing, Digital Innovation and Cards & Payments at Bank AL Habib Limited, where he was essential in driving strategic growth and enhancing the Bank's digital offerings, ultimately shaping the Bank`s digital banking strategy.

His expertise extends beyond day-to-day operations, having also served on the Board of AL Habib Capital Markets (Pvt) Limited from February 12, 2019, to February 12, 2025. In April 2025, Mr. Qasim Habib joined the Board of Directors for Bank AL Habib Limited.

Mr. Qasim Habib is a banking professional with a Bachelor’s (Honours) degree in Global Finance Management from...
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EXECUTIVE DIRECTOR
Mr. Qumail R. Habib

Mr. Qumail R. Habib is a graduate of the University of California in Business Economics and has over 35 years’ commercial, industrial, and banking experience. He is a Founder Member of the Board and Executive Director of the Bank since its inception in 1991. Prior to that, he was Resident Director of AL Ghazi Tractors Limited. He has been actively involved with the operations of the Bank since its inception. He is responsible for enhanced oversight on Enterprise Risk and Corporate Strategy, and for monitoring Fraud Investigation Unit. He has been on the Board of Habib Insurance Company Limited since October 03, 2017. Mr. Qumail also serves as a member of the Board of Directors of Habib University Foundation and as a trustee to various charitable trusts of Habib Family.

Mr. Qumail R. Habib is a graduate of the University of California in Business Economics and has over 35 years’...
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State Life Nominee Director
Mr. Shahid Iqbal Baloch

Mr. Shahid Iqbal Baloch holds a Master’s degree in Political Science (1988) and a Master’s degree in Law (2009). He has over 35 years of broad-based experience in Administration, Human Resource Management, Organizational Development, Finance & Taxation, and Public Service Delivery. Mr. Shahid, a CSP officer (BS-21), has served in the Federal Board of Revenue (FBR) and held key positions in various regions. He is currently serving as the Executive Director of the State Life Insurance Corporation of Pakistan and as a Nominee Director at Pakistan Reinsurance Company Limited and Wah Noble Chemicals Limited. He joined the Board of Bank AL Habib Limited in April 2025.

Mr. Shahid Iqbal Baloch holds a Master’s degree in Political Science (1988) and a Master’s degree in Law (2009...
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DIRECTOR
MR. TARIQ IQBAL KHAN

Mr. Tariq Iqbal Khan is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP), has diversified experience of over 50 years. He served as the Chairman & MD of NIT for more than 8 years, also served on the Boards of multiple banks, pharmaceutical, chemical & petroleum companies. Currently, Mr. Tariq Iqbal Khan is serving as the director in National Refinery Limited, Sui Northern Gas Pipeline Limited, Attock Refinery Limited, Interloop Limited, and Packages Limited. He joined the Board of Bank AL Habib Limited in April 2025.

Mr. Tariq Iqbal Khan is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP), has dive...
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CHIEF EXECUTIVE
Mr. Mansoor Ali Khan

Mr. Mansoor Ali Khan was appointed Chief Executive of the Bank on November 1, 2016.

He had been with the Bank since 1994 in various positions, including Zonal Head, Group Head, and Chief Operating Officer. He is a nominee director on the Board of AL Habib Asset Management Limited and also serves as a Chairman/member of various Internal Committees of the Bank.

Earlier, he served at various positions in Bank of Credit & Commerce International (Pakistan, Dubai-UAE, Yemen), from January 1985 to March 1992.

Mr. Mansoor is a member of the Council of the Institute of Bankers Pakistan. He has attended many courses/trainings including Directors’ Training Program from the Institute of Business Administration (IBA), in January 2016.

He holds a Master’s Degree in Business Administration (Banking & Finance) and has a vast experience in commercial banking.

Mr. Mansoor Ali Khan was appointed Chief Executive of the Bank on November 1, 2016. He had been with the Bank ...
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EXECUTIVE DIRECTOR
Mr. Qumail R. Habib
CHIEF EXECUTIVE
Mr. Mansoor Ali Khan
Chief Operating Officer
Mr. Aun Ali
Head of Strategy and Special Projects
Mr. A. Saeed Siddiqui
Group Head - Treasury, Investment Banking, Corporate, Commercial & SME Financing Division
Mr. Ali Asad Habib
CHIEF FINANCIAL OFFICER
Mr. Ashar Husain
Group Head - Admin & IT & Centralized Operations
Mr. Ali Ashar Jaffri
Group Head - International
Mr. Ehtesham Hamid Ali
Group Head - Corporate Affairs, Legal, Human Resources, TMDD & OD
Mr. Mohammad Taqi Lakhani
CHIEF COMPLIANCE OFFICER
Mr. Qaiser Mahmood
Head of Islamic Banking
Mr. Saif Abbas
Chief Information Security Officer
Syed Aun Abbas Bokhari
Head of Audit
Mr. Arif Saeed Khan
Head of Credits
Mr. Tahir Aziz
Head of Customer Services
Mr. Akbar Raza Khan
Head of Human Resources
Mr. Mehboob Ali
Head of Legal Affairs
Syed Qalb e Abbas Kazmi
Head of Brand, Digital & Media
Syed Zafar Ali Zaidi
Head of Treasury
Mr. Raza Ali
Head of Equity Market
Mr. Hasnain
Head of Consumer Banking
Syed Hussain Aqdas Rizvi
Head of Agriculture
Mr. Fiaz Ahmed Malik
Head of Home Remittance & BDB
Mr. Qamber Ali
Head of Risk Management
Mr. Rizwan Hussain
Head of FIU
Syed Abbas Raza Kazmi
Head of Investment Banking
Syed Mohammad Imad Riaz
Head of Systems & Procedures
Mr. Aamir Aziz Khanani
Head of SME
Mr. Masood Ahmed Qureshi
Head of Commercial Vehicle
Mr. Imtiaz Ali
Zonal Head - Karachi
Mr. Shahzad Hussain
Head of Business Process Reengineering (BPR)
Syed Anser Abbas Zaidi
Zonal Head - Gujranwala
Syed Fazal Abbas Zaidi
Zonal Head - Northern
Syed Wadood Wasti
Zonal Head - Khyber Pakhtunkhwa
Mr. Nawaz Noor
Zonal Head - Lahore
Mr. Mahmood Zahid
Zonal Head - Jhelum
Mr. Umer Farooq
Zonal Head - Sindh
Mr. Aijaz Hussain
Zonal Head - Balochistan
Mr. Dur Muhammad Baloch
Zonal Head Islamic Banking - Khi-S&B
Mr. Muhammed Zafar Amin
Zonal Head Islamic Banking - Northern Zone
Syed Hasan Hyder Mashhadi
Zonal Head Islamic Banking - Central Zone
Mr. Shozab Ali
Head of Overseas Operations
Mr. Tufail Abbas Fadoo
Country Manager -Wholesale Branch, Bahrain
Mr. Yaqoob Yusuf AL Asiri
Country Manager - Malaysia
Mr. Brian Keith D’Mello
Chief Representative Officer - Beijing, China
Mr. Danish Shoeb
Zonal Head - Faisalabad
Mr. Talha Shahid
Chief Representative Officer, Nairobi, Kenya
Mr. Muhammad Hasnain
Zonal Head - Multan
Mr. Hussain Haider Qureshi
Chief Representative Officer - Dubai, U.A.E.
Mr. Sheikh Muhammad Kashif Shafiq
Zonal Head - Bahawalpur
Mr. Muhammad Tahir Qureshi
CHIEF REPRESENTATIVE OFFICER (Representative Office, Turkey)
Ms. Yasemin Toy
Creadit Cards

Credit Ratings

Alhamdolillah, Pakistan Credit Rating Agency Limited (PACRA) has maintained the Bank's long term entity and short term entity ratings at AAA (Triple A) and A1+ (A One plus), respectively. This long term credit rating AAA (Triple A) denotes the highest credit quality with the lowest expectation of credit risk, and indicates exceptionally strong capacity for timely payment of financial commitments.

The ratings of our unsecured, subordinated Term Finance Certificates (TFCs) are AAA (Triple A) for TFC-2018, TFC-2021 and TFC-2022, and AA+ (Double A plus) for TFC-2017 (perpetual) and TFC-2022 (perpetual). These ratings denote a very low expectation of credit risk emanating from a very strong capacity for timely payment of financial commitments. Further, the TFC-2022 the TFC-2022 (perpetual) issued in 2022, were listed on Pakistan Stock Exchange (PSX) pursuant to Chapter 5C of PSX Rule Book.

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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;

CSR

AL Habib Green Banking Policy Statement

The policy has been prepared in light of the “Green Banking Guidelines” issued by SBP vide IH&SMEFD Circular # 08 dated October 09, 2017.

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History of Bank

Started Career in 1891

Habib Esmail, founder of Habib Group, started his career in Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm that dealt in copper and brass utensils. He worked day and night, arriving before the shop opened, staying till late in the night, and then walking home to save money on conveyance. No wonder that in the short span of five years, at the age of 18, he was made a partner in the firm. Even at that young age, he had established an excellent reputation for honesty, hard work, fair play, trustworthiness, humility. These values continue to guide the activities of Habib Group to this day.

Started Career in 1891

Habib Esmail, founder of Habib Group, started his career in Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm that dealt in copper and brass utensils. He worked day and night, arriving before the shop opened, staying till late in the night, and then walking home to save money on conveyance. No wonder that in the short span of five years, at the age of 18, he was made a partner in the firm. Even at that young age, he had established an excellent reputation for honesty, hard work, fair play, trustworthiness, humility. These values continue to guide the activities of Habib Group to this day.

Started Career in 1891

Habib Esmail, founder of Habib Group, started his career in Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm that dealt in copper and brass utensils. He worked day and night, arriving before the shop opened, staying till late in the night, and then walking home to save money on conveyance. No wonder that in the short span of five years, at the age of 18, he was made a partner in the firm. Even at that young age, he had established an excellent reputation for honesty, hard work, fair play, trustworthiness, humility. These values continue to guide the activities of Habib Group to this day.

Started Career in 1891

Habib Esmail, founder of Habib Group, started his career in Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm that dealt in copper and brass utensils. He worked day and night, arriving before the shop opened, staying till late in the night, and then walking home to save money on conveyance. No wonder that in the short span of five years, at the age of 18, he was made a partner in the firm. Even at that young age, he had established an excellent reputation for honesty, hard work, fair play, trustworthiness, humility. These values continue to guide the activities of Habib Group to this day.

Started Career in 1891

Habib Esmail, founder of Habib Group, started his career in Bombay in 1891 at the age of 13 on a salary of Rs. 5 per month in a firm that dealt in copper and brass utensils. He worked day and night, arriving before the shop opened, staying till late in the night, and then walking home to save money on conveyance. No wonder that in the short span of five years, at the age of 18, he was made a partner in the firm. Even at that young age, he had established an excellent reputation for honesty, hard work, fair play, trustworthiness, humility. These values continue to guide the activities of Habib Group to this day.

Corporate Information

  • Incorporation Number:

    M-00449 (New CUIN No. 0025432)

  • National Tax Number: 0709857-0
  • Status of Company: PIC
  • Registered Office:

    126-C, Old Bahawalpur Road, Multan

    PHONE (92-61) 4580314-16

    FAX (92-61) 4582471

  • Principal Office:

    Mackinnons Building, I.I. Chundrigar Road, Karachi

    PHONE (92-21) 32412421, 32446916, 111-786-110

Associated Companies

Habib Insurance Company Limited
Habib Sugar Mills Limited

Subsidiaries

AL Habib Capital Markets (Private) Limited
AL Habib Asset Management Limited
AL Habib Exchange Company (Private) Limited

Code of Conduct