AL Habib SMS Banking

Zarkhez-e Scheme

Introduction Zarkhez-e is a digital financing SBP initiative for crop production, being offered by Bank AL Habib to support small farmers across Pakistan. The scheme offers collateral-free crop production loan through an easy digital process. Farmers can instantly access essential inputs such as seeds, fertilizers, pesticides, and diesel from bank’s approved Agri Merchants along with limited cash support with built in farmer’s life and crop loan insurance coverage. Agronomy related advisory services are also offered to farmers under Zarkhez-e financing. Apply Now Financing Limit: Up to Rs. 100,000 per acre Maximum Rs. 1 million for landowners Maximum Rs. 500,000 for tenant farmers Eligibility: Farmers owning or cultivating land up to: 12.5 acres in Punjab & Khyber Pakhtunkhwa 16 acres in Sindh 32 acres in Balochistan Safe & Transparent Process: A standardized digital system ensures quick processing and proper use of funds through registered Agri-merchants. 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 .caption-heading { font-size: 2.3rem !important; } .contentSection ul li { line-height: 1.5; } .support-columns.investor-columns.shaded-background { background-color: #eee !important; }

Direct Debit Facility

Guiding Principles

Guiding Principles Directors and employees of the Bank shall always be guided by the following values: Treat depositors' money as a trust which must be protected. Achieve high level of productivity in business processes with maximum use of Information Technology. Strive for on-going innovation in products and services. Emphasize speed and simplicity in deployment of new products and services. Focus on customer service and customer satisfaction as the key measures of performance. Recruit, develop, and retain high-potential people who have the same values and beliefs as ours, and find it natural to communicate and cooperate with their colleagues and customers. Always stay directly "connected" with colleagues and customers, and protect the organization from proliferation of paperwork and bureaucracy.

Business Dealings

Business Dealings We fulfill our commitments towards our customers and shareholders as their custodians so as to further strengthen their trust in us. We conduct all business dealings with integrity, prudence, fairness, and courtesy. We aim to ensure that the interests of the Bank, its customers, shareholders, and employees are safeguarded and corporate objectives and strategies are implemented. We must continually upgrade and expand our products and services to support the Bank’s growth and to anticipate and meet the changing requirements of our customers. We shall avoid all such activities in which our personal interests conflict with the interests of the Bank, its customers and shareholders, and shall ensure ethical handling of any actual or apparent conflict of interest. We shall always endeavor to contribute towards the betterment, development, and growth of the Bank.

Directors and Employees

Directors and Employees We select and employ people based on the Bank’s recruitment policy and criteria, without any bias or prejudice of race, caste, color, creed, gender, or religious belief. We place qualified and efficient people in management positions, so that the Bank’s functions are performed effectively and are of high quality. We encourage/motivate employees to perform their duties diligently for achieving optimum output and efficiency. We evaluate employees’ performance and reward them on the basis of their contributions. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and citizens. We provide training to employees at all levels for improvement in their knowledge and skills. We aim to ensure that all employees work towards achievement of corporate objectives, individually and collectively as a team, and conduct themselves at work and in the society as responsible employees and

Adherence To Law

Adherence To Law The Bank shall at all times strictly adhere to the laws of the country and fulfill all statutory requirements as laid down by the regulators and ensure timely, proper, and full payment of all applicable taxes, rates, duties and/or any other levies as may be imposed from time to time.

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.

Bank on Wheels - Mobile Banking Unit

Introducing Bank on Wheels, our mobile banking unit to make banking more accessible and convenient. The initiative aims to increase financial inclusion through delivery of financial services to areas where there are no bank branches such as hospitals, universities/colleges, rural areas, villages, calamity struck areas, emergency situations, or special events like exhibitions and festivals. Services for Everyone ATM Facility Utility Bill Payments Fee Collection Home RemittanceServices Services Exclusively for Bank AL Habib Customers Cheque Deposit (Transfer Cheques only) Online Funds Transfer (BAHL to BAHL) Cash deposit in BAHL Account .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; }

Trade Services

International and domestic trade is highly complex and involves a web of intricate risks. Trade Finance delivers fast, efficient, reliable and comprehensive solutions for every stage of a client's trade value chain to support their foreign trade activities Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides an entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Imports Establishment of Import Letter of Credit. (Inland & Foreign) Import Collections Import Contract Registration Open Account Transactions