SBP Refinance Scheme

About Scheme To promote availability of storage facilities to enhance food security, State Bank of Pakistan has launched a Refinance Scheme in the name of “Financing Facility for Storage of Agricultural Produce (FFSAP)” for the establishment of agricultural produce storage facilities. The salient features of this scheme are as under: Main Features Financing is available: On a long-term basis for establishment, expansion and balancing, modernization & replacement (BMR) of Steel/Metal/Concrete Silos, Warehouses & Cold Storage facilities for storing agricultural produce Purchase of new imported & locally manufactured plant & machinery, equipment and accessories thereof, to be used in Steel/Metal/Concrete Silos, Warehouses, and Cold Storages Purchase of new generators. The capacity of the generator shall, however, not be in excess of the in-house energy requirements of the Silos/Warehouses / Cold storage . Up to 65% cost of entire civil worksFinancing is sub

Agriculture Banking

Introduction Bank AL Habib Limited offers financing facilities for Agricultural activities both in conventional and Islamic variants. A wide range of financial products including Crop Cultivation, Farm Mechanization, Livestock (Dairy & Poultry), Fisheries, Feed/ Wanda units, Seed Processing Units, Cold Storage and more are available to fulfill the needs effectively. Agriculture Financing Products Kamyab Khatoon Zarai Finance Climate Smart Agriculture SBP Refinance Scheme Talk to our Agri Experts Head, Agriculture Division, Lahore - Pakistan Mr. Fiaz Ahmed Malik 042-36603228-29 Agri. Business Manager, Agriculture Division, Lahore – Pakistan Mr. Malik Muhammad Fiaz 042-36676808   Agri. Business Manager, Agriculture Division, Multan – Pakistan Mr. Muhammad Shahid 061-6524116-8 Agri. Portfolio Manager, Agriculture Division, Lahore - Pakistan Mr. Muhammad Asad Ayub 042-36676807   Incharge Agri. Islamic Finance, Agriculture Division, Lahore – Pakistan Syed Shawaz Hassan 042-36603228 Email Us info@bankalhabib.com

Climate Smart Agriculture

Introduction This product is designed to promote Climate Smart Agriculture resource efficient operations/ techniques in farming Main Features Financing is available for resource efficient operations/ technologies/ techniques related to Agriculture Farm and Non-Farm sectors. This product caters fund requirement for Alternate energy resources/ solar panel, farming techniques based on efficient use of chemicals/ fertilizers and pesticides, draught resistant and water resistant crops, Modern water management techniques, precision agriculture management, etc. Priority service is offered on discounted mark up rate. Financing period ranges from one year to five years depending on nature of Agri business. Finance amount is assessed as per volume of Agri Business activities in the light of SBP’s guidelines and bank’s policy/ procedures. Debt servicing on a monthly/ quarterly/ half-Yearly basis as per business cycle. Talk to our Agri Experts Agri. Business Manager, Agriculture Division, Lahore – Pakistan Mr. Malik Muhammad Fiaz 042-36676808   Agri. Business Manager, Agriculture Division, Multan – Pakistan Mr. Muhammad Shahid 061-6524116-8 Agri. Portfolio Manager, Agriculture Division, Lahore - Pakistan Mr. Muhammad Asad Ayub 042-36676807   Incharge Agri. Islamic Finance, Agriculture Division, Lahore – Pakistan Syed Shawaz Hassan 042-36603228 Email Us info@bankhabib.com Email Us info@bankalhabib.com BAHL Helpline (021) 111-014-014 Nearest Branch Branch Locator If you want to reach us Click Here .bgPosBtmLeft { background-position: center center !important; } .support-columns.investor-columns.shaded-background { background-color: #eee !important; } .fixedImgDynamic.climate { background-image: url(files/images/climate-breaker.png); } .contentSection ul li { line-height: 1.5; font-size: 18px; font-weight: 300; }

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Debit Cards Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs. Debit Cards are a secure and convenient option shopping, paying bills and more without the need to carry cash. You can also withdraw money from an Automated Teller Machine (ATM) using your BAHL Debit Card and enjoy exclusive offers and discounts. View Details

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Download AL Habib Mobile App Now! Experience hassle-free banking with the new AL Habib Mobile app designed to make your digital banking experience more convenient. Manage your finances quickly and securely with a host of new features that provide you with an enhanced user experience. Your feedback is important to us Click Here Plan with us

Personal Banking

Bank Accounts Debit Cards Credit Cards Individual Financing Other Personal Banking Products Bank Accounts Bank AL Habib offers a wide range of Bank Accounts, to handle your Personal and Business needs. Compare the benefits of different accounts and choose the one that best suits your needs. Current Ac

Green Banking Initiatives

Bank AL Habib promotes environmental sustainability through its Green Banking initiatives, while also nurturing a strong culture of social responsibility. By aligning with global sustainability frameworks, engaging employees, and taking steps to reduce its carbon footprint, Bank AL Habib demonstrates its commitment to building a more sustainable future. Bank AL Habib integrates environmental sustainability across 3 core pillars: Strengthening Sustainability Through Environmental and Social Risk Management (ESRM) Integration Environmental and Social Risk Management Green Business Facilitation Reduction of the Bank’s Own Environmental Impact The Bank has embedded an ESRM framework within its credit evaluation process for both new and existing clients. As one of only two banks selected by the State Bank of Pakistan to pilot ESRM in lending, Bank AL Habib commenced full integration of the framework in March 2024. This ensures that all credit proposals are subject to rigorous screening for environmental and social risks. Where risks are identified, an Environmental and Social Action Plan is implemented to ensure continuous improvement and monitoring. To support this initiative, over 1500+ employees have been trained in ESRM, reinforcing compliance with mitigation protocols. To further strengthen its sustainability strategy, Bank AL Habib has partnered with KPMG Taseer Hadi & Co. Pakistan for consultancy in the implementation, validation and reporting of its Environmental, Social, and Governance initiatives. This collaboration enhances the credibility, effectiveness, and transparency of the Bank s ESG efforts. WWF-Pakistan Green Office Certification: A Milestone in Sustainable Operations Bank AL Habib's DHA Phase 6, Lahore branch has been recognized as the first certified Green Office of 2024 by WWF-Pakistan. This certification, part of WWF’s Green Office initiative, aims to reduce CO₂ emissions through energy efficiency, effective waste management, and the adoption of sustainable operational practices. As part of the certification process, WWF-Pakistan conducted a comprehensive audit, validating Bank AL Habib's commitment to environmental sustainability. This achievement highlights the Bank's continued efforts to enhance resource efficiency through water and energy conservation, minimized paper consumption, and responsible procurement practices. Empowering Employees for a Sustainable Future Employee engagement plays a vital role in Bank AL Habib's sustainability journey. To build internal capacity and foster a culture of environmental responsibility, 3,500+ employees across the country have participated in more than 75+ sessions focusing on key topics such as Green Banking, Green Taxonomy, and Environmental and Social Risk Management. These initiatives promote a deeper understanding of sustainable finance and risk mitigation. To further embed sustainability in its corporate culture, Bank AL Habib has introduced a Green Culture initiative, which includes regular sustainability bulletins to raise staff awareness. Additionally, sustainability principles have been integrated into the Management Trainee Officer program, equipping future leaders with the knowledge and tools to champion environmental stewardship in the financial sector. Driving Resource Efficiency Through Green Branches Bank AL Habib is actively expanding its network of green branches, with seven locations already designated as sustainable branches. These branches operate with a focus on 5 key sustainability indicators: Paper Fuel Water Electricity Waste To promote responsible consumption, the Bank closely monitors paper usage across its operations, achieving significant reductions. To minimize electricity consumption and reliance on non-renewable energy sources, these branches are powered by solar energy. The Bank has also partnered with a specialized vendor to manage recycling and waste repurposing, significantly reducing landfill contributions. To further reduce its carbon footprint, Bank AL Habib encourages virtual meetings to limit travel and associated fuel usage. In support of transparency and performance tracking, the Bank is developing an online database for real-time reporting on resource consumption and reduction milestones. Additionally, the Bank's Green Procurement Strategy ensures that all purchasing decisions are aligned with environmentally sustainable standards, reinforcing its long-term commitment to responsible operations. Alignment with the United Nations’ Sustainable Development Goals. Bank AL Habib’s sustainability efforts are closely aligned with the United Nations' Sustainable Development Goals (SDGs), reflecting the Bank’s commitment to driving positive environmental and social impact. Through its initiatives, Bank AL Habib contributes to the global agenda for sustainable development, aiming to build a more resilient and inclusive future by 2030. Good Health and Well Being Since 2024, Bank AL Habib has placed an even stronger emphasis on employee well-being by conducting a series of health and wellness initiatives. These include workshops on stress management, awareness sessions on Thalassemia, breast cancer, and diabetes, as well as emotional intelligence training to foster a healthier and more supportive work environment. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Gender Equality Bank AL Habib is committed to advancing gender equality through inclusive hiring practices and other women-centric initiatives. The "Banking on Equality" department, which oversees the AL Habib Woman, a dedicated portfolio of banking services for women, is a prominent feature of the Bank. This department also manages various women-focused initiatives within the Bank. Aligned with its vision of empowering women in business, the Bank has introduced the AL Habib Kamyab Khatoon Zarai Finance scheme, offering specialized financial products for female agri-entrepreneurs across Pakistan. Additionally, the Bank AL Habib Woman ApniCar Auto Finance Facility allows women to fulfill their dream of car ownership with flexible repayment plans and affordable rates. The Bank celebrates International Women’s Day and Women’s Week to further promote financial inclusion and highlight the critical role of women in the economy. Affordable and Clean Energy In 2024, Bank AL Habib successfully solarized 57 branches, with a total installed capacity exceeding 682KW, reflecting a 52% increase from the previous year. The Bank is committed to further expanding its solarization efforts in 2025, continuing to enhance its sustainability initiatives and reduce reliance on non-renewable energy sources. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Decent Work and Economic Growth Bank AL Habib supports inclusive economic growth through targeted recruitment programs focused on youth, women, and marginalized communities. The Bank offers competitive employee benefits and leadership development opportunities, while also advancing financial inclusion through its expanding digital banking services. By providing customized financial solutions for small and medium enterprises and women entrepreneurs, Bank AL Habib plays a key role in promoting job creation and driving economic diversification across the country. Reduced Inequalities Bank AL Habib is dedicated to fostering financial inclusion and accessibility by employing over 150 persons with disabilities (PWDs) and retrofitting more than 14 branches to ensure ease of access for all. These enhancements include wheelchair-friendly entrances, ATM cabins, and cash counters, along with ramps, railings, and tactile flooring to support mobility. To further accommodate customers and employees with disabilities, the Bank has introduced dedicated service counters, token systems, help desks, and designated parking spaces. Branches are equipped with wheelchair-accessible door designs, appropriate signage, and Braille materials to enhance the banking experience. Recognizing the importance of inclusive communication, Bank AL Habib has trained staff in effective interaction with PWDs and introduced Sign Language training and sensitization sessions through its Training & Management Development Division. Additionally, the Bank launched an e-learning module, AL Habib iLearn, to promote continued awareness and understanding of PWD-related sensitivities. With nearly 98% of its branches now accessible, Bank AL Habib reaffirms its commitment to reducing inequalities and building a truly inclusive environment for both customers and employees. Climate Action Bank AL Habib offers Smart Climate Agriculture Financing to promote resource-efficient practices and technologies across both agricultural and non-agricultural sectors. This tailored financing solution supports the adoption of alternative energy systems, advanced water management techniques, and precision agriculture practices, enhancing sustainability and operational efficiency across the agricultural value chain. Beyond financing, the Bank actively contributes to environmental awareness and policy dialogue. It has published insightful articles on critical topics such as green taxonomy, sustainable supply chains, and carbon markets in leading English, Urdu, and Sindhi newspapers. Additionally, Bank AL Habib collaborates with prominent think tanks such as Future Forum and regularly participates in national and international summits dedicated to green finance and climate change—reinforcing its commitment to driving impactful, knowledge-based sustainability initiatives. #green-banking p { font-size: 19px !important; } span.green { color: #00a25b !important; } .environment-sec h4 { color: #00a25b; font-size: 26px !important; } .environment-sec h3 { font-size: 35px; text-transform: capitalize; } .environment-sec .card { background: white; border-radius: 20px !important; box-shadow: 0px 0px 2px 3px #eee; } .environment-sec h5 { font-weight: 400; color: black !important; } .green-feature-inner .icon-wrap { padding: 45px 15px; background: #f4f4f4; border-radius: 7px; } .featuerImg img { width: 78px !important; height: 78px !important; } .green-feature-inner img { width: 78px !important; height: 78px !important; } .green-feature-inner h5 { font-weight: 400 !important; color: black !important; } .owl-nav { top: -15px !important; } .owl-carousel .owl-item { height: unset !important; } .owl-carousel .owl-nav button { border: 0px !important; background: white !important; width: 40px; height: 40px; line-height: 43px !important; } .owl-carousel .owl-nav button i { color: #00a25b; } .owl-nav button[class^="owl-"]:hover i { color: #fff !important; } .owl-theme .owl-nav [class*=owl-]:hover { background: green !important; } body.dark-mode .environment-sec .card { background: #333 !important; box-shadow: none !IMPORTANT; } body.dark-mode .environment-sec h5 { color: white !important; } body.dark-mode .green-feature-inner .icon-wrap { background: transparent !important; border: 1px solid #5a5a5a !important; } body.dark-mode .green-feature-inner h5 { color: white !important; } body.dark-mode h4 { color: #72ec8e !important; }