Careers

Why Bank AL Habib is the right choice? Discover why Bank AL Habib is the place to build a banking career, the values that drive us, what opportunities and benefits we offer, our more than 10,000 employees work with the spirit of belonging to a family. See more Reasons for Choosing Bank AL Habib Specialised Training

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Investor Portfolio Securities (IPS) Account

Introduction Customers willing to invest in the government securities are required to open an IPS account with the Bank. This account is offered to all categories of customers (individuals and institutions) who can make investments through their respective branches. The Bank will facilitate the customers by way of handling their investment portfolio in Government Securities and holding them within its Subsidiary General Ledger Account (SGLA) with the State Bank of Pakistan. Product Features SBP has allowed following three types of securities to be maintained in SGLA: Market Treasury Bills (T Bills) Denomination: Issued in multiples of PKR 5,000 Tenors: 3, 6 and 12 months Issued at discount MTBs are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Pakistan Investment Bonds (PIBs) Denomination: Issued in multiples of PKR 100,000 Tenors: 2, 3, 5, 10, 20 and 30 years Coupon rate: fixed and floating Coupon payment: Quarterly & Semi annual Zakat: No compulsory deduction of Zakat at source Government of Pakistan (GOP) Ijara Sukuks Denomination: Issued in multiples of PKR 100,000 Tenors: 1, 3, 5 and 7 years Coupon rate: floating & Semi annual GOP Ijara Sukuk are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Customers are advised to contact their Branch Manager / Operations Manager to obtain the current price / rate of government securities Eligibility Criteria The customer requesting for an IPS account is required to have a current/ savings account with the Bank. The IPS account of the customer is opened with the same account title, details and conditions as of the current/ savings account The customer will pay applicable charges on IPS account transactions as specified in the Bank’s schedule of charges. Further, Account maintenance fee will also be recovered at the start of each month from the customer’s account Documents Required Application/letter from customer to open an account Account Opening Form Duly filled by the customer CNIC copy of the account holder(s) / directors / trustees Board resolution with company’s seal as prescribed in the IPS account opening form (for corporates) List of signatories to open and operate the account with specimen signatures (for corporates) Valid Tax Exemption Certificate (if applicable) .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Sohni Dharti Remittance Program

Sohni Dharti Remittance Program is a point-based loyalty program that allows remitters to accumulate points when sending their remittances through the SBP regulated channels. Upon sending these remittances customers will be allowed to redeem points by participating in the Public Sector Entities (PSEs) and avail their services free of cost. A mobile application for iOS and Android users is available for download, facilitating customers to register and additionally redeem points through the PSEs on it. Remitters can also add one beneficiary relationship and transfer their reward points to him/her. A centralized back-end system is developed and run by 1LINK. Don’t miss the opportunity to avail exciting rewards and benefits Download the application. SBP Survey State Bank of Pakistan (SBP) is conducting a survey to obtain feedback of Overseas Pakistanis on remittances flows. The information collected through this survey will be used in aggregation; and will only be utilized as input for policy making to increase facilitation in remittances through banking channels. Please click the link for survey: The reward points will be awarded as per the following tier-based criteria: Virtual Category Annual Remittance Amount (fiscal year) Awarding Ratio(% of remittance amount) Green Up to USD 10,000/- 1.00% Gold From USD 10,001 /– to USD 30,000/- 1.25% Platinum From USD 30,001 /– to USD 50,000/- 1.50% Diamond USD 50,001 above 1.75% The reward points can be redeemed through the following Public Service Entities Entity Services Offered Redemption Flow PIA International Air Tickets Extra Baggage Fee on PIA International Flights Download FBR Mobile Phone Duty Payment of Duty on Imported Vehicles Download NADRA Renewal of CNIC/NICOP Download Passport Office Renewal Of Passports Download State Life Life Insurance/Takaful Premium Payment Download Overseas Pakistanis Foundation (OPF) School Fee Payment Download Utility Stores Corp Retail Purchases At Utility Stores Download Bureau of Emigration & Overseas Employment (BE&OE) Emigrant Registration Fee – OEP Emigrant Registration Fee–Direct Employment Download Going Forward More Public Sector Entities and other services will be added. SDRP Complaint Resolution Desk Tel No+92 21 111 11 6757 Email SDRPSupport@1link.net.pk, SDRPSupport@sbp.org.pk Tutorial Videos for Sohni Dharti Remittance Loyalty Program × .primaryBefore.video img { width: 390px; } .owl-carousel .owl-item { height: auto; }

Value Added Services

Frequently Asked Questions

AL Habib Woman Debit Card

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; }

Roshan Mutual Funds

AL Habib Roshan Digital Account (RDA) holders can now invest digitally in Roshan Mutual Funds from anywhere in the world. A wide range of investment funds are managed by AL Habib Asset Management Company (AMC) duly licensed by the Securities and Exchange Commission of Pakistan and approved by the State Bank of Pakistan for Overseas Pakistanis. To build investment portfolio for higher returns from the highly competitive Pakistan's Capital market. Apply Now Eligibility Roshan Digital Account Holders Key Features Opportunity to invest in the AL Habib Asset Management Company in Pakistan. Accounts are fully repatriable. 24/7 Assistance through Roshan Digital Unit (RDU) Professional and Dedicated Fund Managers Team of AL Habib AMC. Access to one of the wide range of products which include: S.no Name of Fund Fund Category 01. AL Habib Cash Fund (Formally First Habib Cash Fund) Money Market 02. AL Habib Income Fund (Formally First Habib Income Fund) Income 03. AL Habib Islamic Income Fund (Formally First Habib Islamic Income Fund) Shariah Compliant Income 04. AL Habib Asset Allocation Fund (Formally First Habib Asset Allocation Fund) Asset Allocation 05. AL Habib Stock Fund (Formally First Habib Stock Fund) Equity 06. AL Habib Islamic Stock Fund (Formally First Habib Islamic Stock Fund) Shariah Compliant Equity 07. AL Habib Money Market Fund Money Market 08. AL Habib Islamic Cash Fund Shariah Compliant Money Market 09. AL Habib Islamic Savings Fund Shariah Compliant Income 10. Voluntary Pension Scheme Fund VPS (Islamic & Conventional) Procedure for Investment in Mutual Funds Once investment account is opened, the investor may then transfer investments through Bank AL Habib’s Internet Banking from registered AL Habib Roshan Digital Account. AL Habib Asset management will send account statement and investment acknowledgment letter to the investor once the investment is processed. Steps for Investment in Mutual Funds Through the RDA Portal Following steps will be required for investment in Mutual Funds through the RDA portal: Visit the RDA portal, select Mutual Funds Investment Icon. Provide basic information (Account Number, Mobile Number, Email Address) and OTP sent to your registered email address.) Note: In case you do not receive the OTP, please select the Re-generate OTP option. Enter the OTP after successful validation, details will be auto populated from your existing AL Habib Roshan Digital Account (RDA) You may now select the Fund from the list and invest in Funds of your choice, no Restriction on investment from conventional to Islamic (vice versa) The customer will provide the following details Frequency of Statement (Monthly / Annually) Dividend Payout ( Reinvestment / Cash) Tick mark the following Terms and Conditions Undertaking Upon successful completion of request payment will be made through your AL Habib Roshan Digital Account You will receive a confirmation email and Login Credentials from AL Habib Asset Management on your registered email. Procedure for Redemption / Conversion in Mutual Funds The Investor can directly file redemptions / conversions through digital channels of Bank AL Habib and AL Habib Asset Management. Payment against redemptions shall be credited into the registered AL Habib Roshan Digital Account Only.

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