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.

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.

Cash Management

Services We Offer To provide value added services is part of our mission statement. When it comes to optimize cash flows and liquidity of our clients, we tailor need-based solutions for them. Our Cash Management suite of products and services is geared towards addressing business and operational complexities of clients with the objective to streamline receivables and payables. With our branch network of 1309 Branches (inclusive of Sub-Branches & Islamic Banking Branches) in 531 cities / towns of Pakistan, scalable systems and experienced product specialists, we add significant efficiencies in streamlining cash flows and financial operations of our clients. Following products and services are readily available under the ambit of Cash Management: Collections Collection Solutions for Corporates, SMEs & Commercial clients Utility Bills Collection Arrangements Domestic (LCY) Correspondent Banking Services for FIs School Fee Collection Arrangements (via Branches, Netbanking & ATMs) Club Fee Collection Arrangements (via Branches, Netbanking & ATMs) Bar Code Enabled Bills / Fee Collection Arrangements for Schools & Clubs General Public Flotations – (TFCs / IPOs / Rights Shares Arrangements) API Based Collection Arrangements Special Receipts Issuance based Collection Arrangements Collection Arrangements (via internet banking, Mobile Apps & ATMs of other banks) using servic

Direct Debit Facility

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

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.

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; } }

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

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.