E-Statement Facility

Introduction eStatement is the electronic version of your account physical statement. You can view and print your statement right from your computer whenever you need it. You will start receiving the eStatement service within three business days after registration. For different accounts you need to update different email IDs in each account in order to get registered for each of them. Individual Account Corporate Account Individual Account Individual Account Holders are offered e-statement facility on following frequencies: Monthly Quarterly Half-Yearly Yearly Corporate Account Corporate Account Holders are offered e-statement facility on following frequencies: Daily Weekly Fortnightly Monthly Quarterly Half-Yearly How to register for e-Statement? •   Download online form or collect it from Bank AL Habib branch. •   Fill and submit the form at your relationship branch. Bank AL Habib account holders may also subscribe to E-Statements by calling the 24/7 call center at (+92 21) 111-014-014 from their registered mobile number. Corporate customers may only register for E-Statement facility by submitting the application form at their relationship branch. Login Registration Form for Individuals Registration Form for Corporates Click here to download Rules/Terms & Conditions Setting up E-Statement Frequency Click Login Validate by entering account details Verify your account details by entering the 6-digit OTP received on your registered Email or Mobile Number Select your E-Statement frequency A confirmation message will be sent to the registered Mobile Number or Email Address Unsubscribing E-Statement Facility Click on Login On the Account Details page, click "Unsubscribe" Review the pop-up message and call our 24/7 helpline for further support or visit the nearest branch @media (max-width:767px){ .responsivebtn { margin-left: 0 !important; padding: 0.5rem 0.88rem !important; } .m0responsive { margin-bottom: 0 !important; } }

National Financial Literacy Program (NFLP)

Introduction Financial literacy is crucial for individuals to make informed decisions about their money and achieve financial wellness. In Pakistan, the need for financial literacy and wellness is more important than ever. Financial literacy leads to financial inclusion, which is defined as access to formal financial services by individuals & firms to use a range of quality payments, savings, credit and insurance services which meet their needs with dignity and fairness. State Bank of Pakistan launched National Financial Literacy Program (NFLP) to promote financial inclusion through spreading financial education for inclusive economic growth and stability across the country. Bank AL Habib is engaged in empowering citizens to make informed financial decisions through its products, services, and financial literacy initiatives. Enabling Financial Wellness Budgeting Saving Retirement Planning Budgeting Creating and sticking to a budget is essential to achieving financial wellness. In Pakistan, where the average household income is around PKR 45,000 per month, budgeting can help individuals manage their finances effectively. How can you budget? Start by calculating your monthly income and expense Categorize your expenses into fixed and variable Set financial goals and prioritize your spending Use budgeting apps or spreadsheets to track your expenses Saving Saving is a critical component of financial wellness. However, in Pakistan, where the savings rate is only 10.2% of the GDP, it is essential to understand the benefits of saving and develop a saving habit. How can you save on a limited budget? Start by setting realistic saving goals Automate your savings by setting up a standing order Cut down on unnecessary expenses Explore investment options such as savings accounts, fixed deposits, and mutual funds Retirement planning Retirement planning is essential for long-term financial wellness. In Pakistan, where only 10% of the population has a pension plan, it is important to start planning for retirement early. Here are some tips and tricks for retirement planning: Calculate your retirement needs and set retirement goals Start saving for retirement as early as possible Explore retirement plans such as pension plans and individual retirement accounts Review your retirement plan regularly Bank AL Habib`s Initiatives for Your Financial Wellness Current Accounts We offer an array of products and services that help you meet your financial needs. Our current check-in accounts are an ideal option for your day-to-day banking needs. Learn more about our current accounts by clicking here. Saving Accounts Saving accounts provide a convenient option for customers to attain return on savings and an additional monthly income. You can view saving accounts by clicking here. AL Habib Mobile App & Netbanking Facility AL Habib Mobile App allows you to bank on the go. To track your spending, check your transactions through the quick-view of the E statement facility. Use Bookme.pk to reserve participation in lifestyle activities, and save through exclusive deals. Transfer your funds to others and pay bills conveniently without using cash or visiting the Bank branch. Digital Accounts & Account Opening Facility We offer a convenient way to open your bank account digitally in a few simple steps. To open your account digitally, click here National Financial Literacy Program - NFLP Activities With the aim to understand monetary principles, financial products/services, and cultivating positive attitudes toward economic well-being, Bank AL Habib is dedicated to promote financial literacy within the middle and low-income households of Pakistan. Through a series of Classroom Sessions and Street Theaters, in-house trainers are disseminating financial knowledge among the masses and imparting essential financial concepts. This effort has engaged over 8,000 participants encompassing both males and females, opening more than 4,000 accounts during Phase II of the program. Notably, this initiative has led to the active involvement of over 3,500 females, with more than 1,000 females successfully opening their own accounts. View Gallery National Financial Literacy Program (NFLP) Phase II Year 3 The third year of Phase II of the National Financial Literacy Program (NFLP) has commenced, and Bank AL Habib Ltd. has been assigned its targets for this year. Along with classroom sessions and street theaters at the district level, a key focus of this phase is reaching the unbanked population with our simple and seamless digital banking services such as digital account opening process. For more details, please refer to the table below for our targets for FY 2024-2025. NFLP-II Targets for FY2024-25 Districts Classroom Sessions Street Theaters No. of Sessions Beneficiaries No. of Sessions Beneficiaries 36 271 6775 51 3825 Pakistan Financial Literacy Week 2025 Pakistan Financial Literacy Week (PFLW) is dedicated to advancing financial inclusion and literacy. Through a collaborative effort between Bank AL Habib and the State Bank of Pakistan (SBP), PFLW will take place from 14th-18th April, 2025, under the theme "Financial Literacy through Collaboration and Innovation." The objectives of Pakistan Financial Literacy Week (PFLW) are as follows: Promote the adoption of Digital Financial Services to enhance accessibility and convenience. Empower individuals by providing them with the necessary knowledge and skills to make informed financial decisions. Highlight the importance of Financial Education in ensuring financial well-being and security. Foster collaboration among stakeholders to create a more inclusive and resilient financial ecosystem. The following section provides a day-wise breakdown of activities to be conducted during NFLP Week 2025: Day 1: Financial Literacy Camps Day 2: On- Campus Workshops and awareness activities Day 3: Visits at bank branches Day 4: Employee Engagement Activities Day 5: Financial Literacy Walk Click here to download the PFLW Camp Locations. .btn-primary:not(:disabled):not(.disabled):active, .btn-primary:not(:disabled):not(.disabled).active, .show > .btn-primary.dropdown-toggle { border-color: #008b4d; } .nav-pills .nav-link.active, .nav-pills .show > .nav-link { color: #fff; background-color: #00a25a !important; }

Lost or Stolen Card Replacement

In case your Card is lost or stolen, call our Helpline immediately to report the incident. Our Customer Service Officer will ensure that the Replacement Card is sent to you within turnaround time. In case the incident occurs while you are traveling abroad, you may call MasterCard International Helpline Numbers. No matter, where you are in the world……feel safe and secure with efficient global assistance.

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.

Pakistan Single Window

PSW (Pakistan Single Window) PSW (Pakistan Single Window) is a newly launched trade system, which provides a facility to parties involved in trade and transport to lodge standardized information and documents with a single entry point to fulfill all import, export, and transit-related regulatory requirements. Click here to download the User Guide PSW Registration Procedure To initiate the PSW Registration process, first, you have to visit PSW’s Website https://www.psw.gov.pk/ and then follow the attached guidelines step by step for registration. PSW Registration Process Flow 1 Start the Subscription process by going to www.psw.gov.pk using your internet browser. Click on Subscribe button. 2 For authentication, please provide the following: CNIC, NTN, SECP No., Mobile Phone No. and your Email. 3 Deposit a one-time non-refundable subscription fee through Payment Slip ID (PSID) 4 Verify your Mobile Number and Email Address using One Time Password (OTP) 5 Visit your nearest NADRA e Sahulat franchise for biometric verification 6 Create your own ID/Password with the link sent to your email PSW Enrollment Process as Trader Follow the step by step enrollment process below as defined under PSW user manual to register as a Trader 1 Visit www.psw.gov.pk to start the process. 2 Click on the Registration option. The registration page will appear, and then click on Associate New Profile under Bank’s Section. 3 From the drop-down menu, select the bank and enter the following information a. IBAN b. Email (as available in Bank’s Records) c. Mobile Number (as available in Bank’s Records) 4 Verify the information by clicking on ‘Associating Banking Profile’ 5 Verify your email address and mobile number using One Time Password (OTP) 6 Entre the received OTP and Click on “Verify OTP” to complete the profile association process .featureWrapper { display: inline-block; text-align:center; width:100%; } .featureWrapper .featureImg { padding-right: 0; text-align:center; height:100px; line-height:100px; margin-bottom:15px; } .featureWrapper .featureImg img { width: 20%; } span.step { /* float: left; */ width: 35px; height: 35px; background: #fbb040; line-height: 35px; text-align: center; display: block; margin: 0 auto 15px auto; font-weight: bold; font-size: 20px; border-radius:100%; }

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.

AL Habib Mobile

Corporate Social Responsibility

Your 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. 626.95 million by way of donations & charities during the year for social and educational development and welfare of 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. Business ethics and anti-corruption measures, requiring all staff members to comply with the Bank’s “Code of Conduct” and “Anti-Bribery and Corruption Policy”. Consumer protection measures, requiring disclosure of the schedule of charges and terms and conditions that apply to the Bank’s products and services. Amicable staff relations, recognition of merit and performance, and on-going opportunities for learning and growth of staff, both on-the-job and through formal training programs. Equal opportunity employment through a transparent procedure, without discrimination on the basis of religion, caste, language, etc., including employment of special persons. Expansion of the Bank’s branch network to rural areas, which helps in ru

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

Financial Reporting and Internal Control

Financial Reporting and Internal Control The Bank shall regularly prepare financial reports and accounts and present the same to the Board for review and analysis. The Bank shall maintain an effective Management Information System to monitor its performance and to detect early warning signals in major risk areas, and to ensure that the Bank’s records are accurate. The Bank shall maintain an effective system of internal controls to mitigate risks and to ensure that assets are safeguarded. The Bank shall maintain an effective internal audit system in order to ensure integrity of our operations and reliability of financial information.