Anti-Bribery And Corruption Policy

Definitions “Corruption” means abuse of official position for an improper private advantage or gain. “Bribery” means inducing the holder of an official position to act in a corrupt manner, by providing such person or their close relative anything of value in order to obtain or retain business or to reward an improper decision or favour. Explanation: “Anything of Value” extends beyond cash or cash equivalents to include non-cash items and favours as well. Prohibition and Zero Tolerance All employees of Bank AL Habib, whether temporary or confirmed, permanent or contractual, are instructed to carefully note and strictly comply with the following: Values and Code of Conduct of the Bank are totally incompatible with bribery and corruption, which have no place at all at Bank AL Habib. The Bank has Zero Tolerance for any activity involving bribery and corruption. It is strictly prohibited for all employees of the Bank to engage in any activity involving bribery and corruption, in Pakistan or overseas. Employees working in overseas offices of the Bank should familiarize themselves with the applicable anti-bribery and corruption laws and regulations of the respective country, and meticulously comply with the same. This policy should be circulated to all employees of the Bank. It should be brought to the notice of all new employees by Human Resource Division at the time of their joining the Bank. Reporting of Violations: It is the duty of all employees to ensure compliance with this policy. Any violation or suspected violation of the policy noted by an employee should be reported by them as laid down in the Bank’s Policy on Reporting of Violations (“Whistleblowing Policy”) and investigated promptly. As the Bank has Zero Tolerance for violation of this policy, any employee who violates it will be subject to disciplinary action and may also face penalties under the applicable laws and regulations of the country. Records of bribery and corruption related instances should be maintained at Fraud Investigation Unit (FIU) who should arrange to present these to the Audit Committee and the Board for information and review, on semi-annually basis. Review and Amendments The Anti-bribery and Corruption Policy will be approved by the Board of Directors and will be effective from the date of its approval. This policy will be reviewed on annual basis for any amendments.

Deposit Protection Mechanism for Banking Companies

Deposit Protection Corporation (DPC) is a subsidiary of State Bank of Pakistan and commenced its operations under the provision of DPC Act 2016. The objective of the Corporation is to compensate the eligible depositors in case the bank declared as failed by the State Bank of Pakistan. For the purpose, Corporation has determined, protected amount of upto PKR 500,000 for all eligible depositors on per depositor-per bank basis. The amount is payable to eligible depositors only if a bank is declared as a failed bank by State Bank of Pakistan and is not payable under any other circumstances. For more information and clarity, detailed Frequently Asked Questions (FAQs) have been developed and posted at DPC website http://www.dpc.org.pk/. About Deposit Protection Corporation http://www.dpc.org.pk/ FAQs on Deposit Protection Mechanism Click here for Depositors Click here for Banks Downloadable Circulars DPC Circular No. 01 of 2018 - Notification of Board of Directors DPC Circular No. 02 of 2018 - Declaration of Commencement of Business of Deposit Protection Corporation DPC Circular No. 03 of 2018 - Member Institutions of Deposi

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.

Investor Information

Listed on Pakistan Stock Exchange Symbol BAHL Website www.psx.com.pk Earnings per share, P/E Ratio and Break-up value as of Mar 31, 2025 is as follows: 3.87x Price earnings ratio Rs. 120.16 Break-up value per share (excluding surplus on revaluation) 35.00% Dividend Payout Mar-2025 Bank AL Habib Highlights Download PDF For the First Quarter as on March, 2025 Profit before tax PKR 20.60 Bn 7.1% Growthfrom Mar 24 (March 2025 as compared to the March 2024) Assets Liabilities Revenue Total Assets increased by 3.07% in March 2025 as compared to the Dec 2024 Total Liabilities increased by 3.18% in March 2025 as compared to Dec 2024 Total Income for the period ended March-2025 was 41.29 Billion. TotalNetwork 1252 Branches & Sub-Branches Domestic ATMNetwork 1300+ Onsite & Offsite Installations Total CitiesServed 499 in Pakistan and across the World Total Foreign RepOffices & Branches 6 Countries Across the Globe TotalAssetsPKR 3.422 Tr EarningPer SharePKR 9.19 Awards By the Grace of Allah, the Bank received the following awards during the year: "Outstanding Global Trade Finance Program (GTFP) Issuing Bank" in SME Transactions - Middle East 2024 award for supporting Small and Medium Sized Enterprises' (SME) transactions conducted under IFC's Global Trade Finance Program (GTFP). "4th Largest Bank in Pakistan Remittance Market" Award from the State Bank of Pakistan under the Pakistan Remittance Initiative (PRI) at the Pakistan Remittance Summit – 2024. "Straight-Through-Process (STP) Award" from Citibank for the outstanding performance in the execution of USD commercial and treasury payments. "Top 25 Companies Award" for the year 2023 by the Pakistan Stock Exchange (PSX). Criteria for the award includes Profitability Ratio, Liquidity Ratio, Dividend Related Ratios, Solvency Ratio, Free-Float of Shares, Turnover of Shares, Corporate Social Responsibilities, Reporting on Sustainability Development Goals and Environmental, Social & Governance, Reporting on Enterprise Risk Management, Diversity and Inclusion, Corporate Governance and Investor Relations. Alhamdolillah, this is the ninth time that the Bank has been selected for this award. 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Main Shahra-e-Faisal, Karachi - 74400. TelePhone 0800-23275 (Toll Free) Fax No 92-21-34326053 Email info@cdcsrsl.com Website www.cdcsrsl.com Contact details of persons designated for assisting and handling investors grievances. Manager Mr. Sajid Hussain sajid.nazeer@bankalhabib.com Manager Mr. Haider Ali Manji haider.manji@bankalhabib.com Senior Chief Manager Mr. Habib Ali Noorani habib.ali@bankalhabib.com 92-21-32417439 32419746 SECP's investor complaint Public Documents var x = JSON.parse(''); var y = JSON.parse('[]'); var docspath = {}; y.forEach(function(data, uselessKey){ docspath[Object.keys(data)[0]] = data[Object.keys(data)[0]]; }); var documents=[]; x.forEach(function(data, uselessKey){ var year = data['years']; if(year!=null){ var yearonly = year.substring(0, 5 - 1); console.log(yearonly); if(documents['"'+yearonly+'"'] === undefined){ documents['"'+yearonly+'"'] = []; } documents['"'+yearonly+'"'].push(data); } }); var html = ''; for (var year in documents){ var docdata = documents[year]; var year_title = year.replace(/"/g,""); html += ''+ ''+ ''+year_title+''+ ''+ ''+ ''+ ''+ ''+ ''+ ''; for (var key in docdata){ var doc = docdata[key]; html += ''+ ''+doc.title+''+ ''+ ''+ ''+ ''; } html += ''; } html += ''; document.getElementById("docscontainer").innerHTML = html; div#pills-contact .ChartTitle { } .divdend_payout{ color:#ffaf3c; font-weight: bold; } .dark-mode .highcharts-background {fill: #333;} .excludingprice{font-size:12px;clear: both;margin-top: -12px;position: relative;top: 5px;font-weight: 500;}

Credit Ratings

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-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. 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 cap

Housing Finance

Schedule of Charges

2025 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2024 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2023 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2022 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2021 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) 2020 Schedule of Charges (English) (July to December) Schedule of Charges (Urdu) (July to December) Schedule of Charges (English) (January to June) Schedule of Charges (Urdu) (January to June) .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; }

Reason for Choosing Bank AL Habib

Bank AL Habib Limited (BAHL) is a place to learn, share ideas, develop one’s talent and find meaning and realise one’s passion. In a short span of 25 years, BAHL has secured its position as one of the top banks in Pakistan, which is just the right place that offers opportunities of growth, progress and developing a successful career! Our people come from diverse backgrounds. They bring unique perspectives to our collaborative environment, where every employee is a valuable resource who needs to be nurtured and respected. Employees’ happiness quotient is very important to us, that is why constant communication is maintained to gauge their happiness. We believe that when talent is merged with the right opportunity in an organization, amazing things can happen. This is what makes Bank AL Habib a place of opportunity, where your skills can help you make your banking career with us.

Planning

Planning The Bank shall prepare an annual plan with clearly defined objectives, goals and strategies and implement such plans to ensure achievement of objectives and enhancement of corporate image.

AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage a Pakistani bank account through Roshan Digital Account (RDA) in Bank AL Habib via an online digital platform. Bank AL Habib is the leading Roshan Digital Account service provider across the country that will facilitate overseas Pakistanis and expats with a simple, secure and convenient online digital account opening process which facilitates payments, investments and helps them avail various other banking facilities while being abroad. Bank AL Habib provides secure banking solutions for Non-Resident Pakistanis (NRPs) with the option to establish a Roshan Digital Account (RDA) to facilitate remittances for subsequent investments in securities via CDC, government-issued bonds, real estate and other permissible purposes outlined by the State Bank of Pakistan. Benefits of Roshan Digital Account If you are an overseas Pakistani looking for an easy way to manage your financial needs back home then the Roshan Digital Account offered by Bank AL Habib is tailored for the Pakistani diaspora. The current / savings accounts offered for overseas Pakistanis ensure that you stay connected to your financial interests in Pakistan without any hassle. The unparalleled support and RDA features are what makes Bank AL Habib Roshan Digital Account the best bank account for overseas Pakistanis and a reliable option to open a current / savings account in your homeland. View Details View Details View Details View Details View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details RoshanQurbani View Details Roshan DigitalAccount Tutorial View Details Premium Prize bond View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Free Life Insurance Monthly Profit Payout on Savings Accounts Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS Free Life and Disability Insurance Cover Salient features of the insurance policy are as under Claim is eligible after 30 Days of Account Opening Claims payable on 90 Days of Average Balance in Account Maximum Claim on Accidental Death - PKR 4 Million Maximum Claim on Natural Death / Permanent Disability - PKR 2 Million In a Joint Account, any one of the account holders is covered Age Limit - 18 to 60 Years Basis of Coverage The insurance coverage for each Member shall be equal to the last 90 days’ average balance Maximum Limit of the Roshan Digital Account will be PKR 2,000,000/- based on 90 days’ average balances provided to the insurance company equivalent to PKR using interbank dollar exchange rate. How to Open Roshan Digital Account for Overseas Pakistanis The following steps are required to open the Roshan Digital Account (RDA) in Pakistan: Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 2 working days. Documents Required for Roshan Digital Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and/or foreign / passport of another country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry/exit stamps, etc.) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letterhead or bank account statement, etc.) Live Photograph Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. All fields are mandatory. You will have to acknowledge the declaration to proceed to the next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome, or Firefox to avoid any difficulties during the process. Before you start, we advise you to also clear your browser cache/cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. 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