Refinance Facility for Modernisation of SME

Working Capital Financing of Small & Low End Medium Enterprise

AL Habib Woman Debit Card

Schedule of Charges

2025 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; }

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 1248 Branches & Sub-Branches Domestic ATMNetwork 1300+ Onsite & Offsite Installations Total CitiesServed 495 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;}

Personal Banking

Bank Accounts Debit Cards Credit Cards Individual Financing Other Personal Banking Products Bank Accounts Bank AL Habib offers a wide range of Bank Accounts, to handle your Personal and Business needs. Compare the benefits of different accounts and choose the one that best suits your needs. Current Ac

Contact Us

(+92 21) 111 - 014 - 014 For Queries/Request: info@bankalhabib.com For Complaints: feedback@bankalhabib.com Find your Nearest Branch Contact Us Drop us a Line You can contact us for complaints, general enquiries and specific questions about product and service offerings. We look forward to hearing from you. *(For communication purpose only) Select an option Inquiry Complaint Feedback/Suggestions Select a complaint type Visa Debit Funds Transfer Utility Bill Payment Captcha is required Submit While sending your feedback or lodging a complaint, please make sure to provide your complete information (Email address/Mobile Number). We will attempt to resolve the issue as soon as possible and update you within 7 to 15 working days. Your feedback is important to us and we thank you for your relationship with Bank AL Habib Limited. Our Zonal Offices Karachi Zonal Office 5TH Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412986 Fax: (021) 32401171 Sindh and Baluchistan (Zonal Office) 2nd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32471801 Fax: (021) 32401180 Lahore Zonal Office Awami Complex, 1-4, Usman Block Front, Block No.6 - New Garden Town, Lahore Tel: (042) 35865380-91 Fax: (042) 35831704 Multan Zonal Office 126/C, Old Bahawalpur Road, Multan. Tel: (061) 4580314-6 Fax: (061) 4782309 Faisalabad Zonal Office Ahmad Plaza, Bilal road, Civil Lines Faisalabad. Tel: (041) 2601925-28 , 2601904-08 Fax: (041) 2601912 Gujranwala Zonal Office Opposite Iqbal High School, G.T. Road, Gujranwala Tel: (055) 3821042 Fax: (055) 3821043 North Zonal Office 78TH W, 2ND Floor, Roshan Center, Blue Area, Islamabad. Tel: (051) 2605919-22 Fax: (051) 2605948 KPK Zonal Office Plot No. 784/75, Islamabad Corporate Centro, Opposite CMT and SD, Golra Road, Islamabad. Tel: (051) 5495853-55 Fax: (051) 2605948 Our Head Office and Business Units Islamic Banking Division Office 3rd Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 Fax: (021) 32463142 Agriculture Division Head of Agriculture Division, Lahore Mr. Fiaz Ahmed Malik Land Line: 042-3597 2281-2 Portfolio Manager, Agriculture Division, Lahore Mr. Shahid Bashir Khokhar Land Line: 042-3597 2281- 2 Corporate Division 4th Floor, MacKinnon’s Building, l.l Chundrigar Road, Karachi. Tel: (021) 32412421 UAN: 111-786-110 Bahrain Branch Customer Complaints Contact Details Customer Complaint Customer Complaint Officer Abdulla Saleh AL Hammadi Monday - Friday (9:00 AM to 5:00 PM) Email : feedback.bahrain@bankalhabib.com Contact Number: (+973) 17 564044 Stay Connected Join our mailing list to get updates in your mailbox @media screen and (max-width: 390px){ .mobile-padding{padding:0px !important;} .p-4.contactUsWrapper { padding-left: 8px !important; padding-right: 8px !important; } .accordion-list-items .card-link + .collapse > div:first-of-type { overflow-x: hidden; } #recaptcha > div:first-of-type iframe { width: auto !important; } } @media screen and (max-width: 767px){ #recaptcha > div:first-of-type iframe { width: auto !important; border-right: 1px solid #ccc; height: 76px; } } label.error{color:#ff0000;margin-top:5px;}

Credit and Guarantee Scheme for Special Person (SE)

Avail AL Habib Netbanking

Your Credit Card Account is just a click away! Log on to AL Habib Netbanking from anywhere, any time and manage your AL Habib Credit Card Account conveniently, effectively and without any charges. You also have access to the detailed product information. Stay updated with ongoing promotions and discount deals. Keep in touch with us! In case you have not already subscribed to the service please contact your Bank AL Habib branch for subscription to this service or go to instant registration.

Netbanking

Welcome to the New Age Bank AL Habib Netbanking empowers you to manage all your finances with an enhanced platform that makes banking simple and easy. Whether you’re looking to check your balance, pay bills, transfer funds or print statements; our Netbanking and mobile app has got you covered. Netbanking Login Register Now 3 Simple Steps to Start Self-Registration Register online through Netbanking View Process Details Activate Activate your account online through Netbanking View Process Details View Dashboard Perform Transactions Account Services Balance Inquiry Cheque Book Request Cheques in Clearing Change Password Funds Transfer Bill Payment Account Usage Online Self-Registration One-time password for each transaction Multiple Funds transfers Multiple bill payments Digital Statements WHT Certificate Online Stop Cheque Credit Card Services Balance Inquiry Transaction details Credit Card Payment Account Statement Enhanced Security Features AL Habib Mobile and Netbanking is now equipped with a host of new security features in line with State Bank of Pakistan`s security guidelines. These security features are designed to safeguard you against potential digital banking scams and reflect the Bank`s commitment to provide you a safe banking experience. Please note that biometric verification (in-App) is mandatory for you to proceed further, followed by a two-hour security buffer period if you perform any of the following actions on our digital banking platform. You may click on the below mentioned action items to access an info-guide. Self-Registration / Sign-Up New Device Registration Request for a Change/Reset Password Request the Retrieval of Username and Limit Upgrade User Guide for Support To download the User Guide, please Click Here Why is this upgrade important? The two-hour security buffer implemented will give you time to reverse the changes in case the request has not been made by you. To minimize any challenges while accessing your account digitally, we urge you to: Update your contact information with the Bank (registered mobile number/email address) if you intend to travel abroad. Register your new device as soon as possible. Guidelines for New Security Controls How do I Sign Up? Fill in your details to create your ID, after which you must perform your in-App biometric verification. In case of biometric verification failure, you may visit any Bank AL Habib branch or perform your verification through AL Habib Biometric Verification App. What are the steps for Device Registration? For any new device registration, in-App biometric verification will be required. If your biometric verification is unsuccessful, an automated robo-call will be performed for verification, after which, a cooling off period of two hours will be in effect. During cooling off period, you will receive a call back for confirmation from our Call Center. What if I Forgot the Username? If you reset your username through an unregistered device, biometric verification will be required. In case of biometric verification failure, an automated robo-call will be executed. What if I forgot my Password? If you reset password through an unregistered device, biometric verification will be necessary. In case of biometric verification failure, customer will have to contact Call Center for assistance. What happens if I change my Transactional Limits? Debit Card limit management will now be enabled where you can customize limits as per your need, in addition to limit management for Funds Transfer for AL Habib Mobile / Netbanking which was previously available to you. The option to manage daily transactional limits of the Debit Card will be made available for Cash Withdrawal and Purchase (PoS and e-Commerce). Each time you change your AL Habib Mobile / Netbanking transaction limit, a cooling off period of two- hours will be activated. What Does This Change mean for Non-Resident Customers? If you are a Roshan Digital Account holder, you must contact your designated Relationship Managers for performing for biometric verification for Self Registration, or to get your ID unlocked. A robo-call will be received by Roshan Digital Account holders for verification of all changes, including device registration, password and username reset. If you are temporarily based outside Pakistan, you must contact your relationship branch to update your contact number. Minimum Requirement Of Internet Browser For AL Habib Netbanking The new Internet Banking service platform is a world renowned system with best in class features, and is named “Bank AL Habib Netbanking” providing you with more value added services and enhanced security features. Google Chrome Latest Version Mozilla Firefox Latest Version Microsoft Edge Latest Version Apple Safari Latest Version Introducing the AL Habib Mobile Application The new AL Habib Mobile App enables you to easily manage your finances on the go from almost anywhere! With a host of new features it is designed to make your digital banking experience more convenient, quick and secure. What’s new: Multiple Funds Transfers Multiple Bill Payments Instant Stop Cheque Facility Credit Card bill payment of other banks through the 1BILL feature Withholding tax and Balance Certificate Forex Calculators Transaction Based OTP Retrieve User ID by using “Forgot User ID” option without calling the Helpline Set frequent payments as Favourites on the main dashboard If you are an iBanking user Click Here For More Details Click Here To Download the App, head over to the Google Play Store for the Android version OR visit the App store to download the iOS version of AL Habib Mobile. What is Device Binding? Device Binding is a technology that extracts unique properties from the customer`s device to mark it as a Registered Device. It also notifies the customer of access to Net Banking/Mobile Application from an Untrusted Device. Additionally, if a customer marks a Device as a Trusted Device on OTP screen, then the OTP is not required by customer upon logging-in from their Registered Devices in future. Key Features: Device Binding strengthens the security control and protects from real time fraud. Customers may bind more than one device and maximum of three devices as their Trusted Device. When Customer logs in from an Untrusted Device, Alert messages notifies that someone has logged in from an unauthorized device. Auto Read OTP feature is made available to customers, that reads OTP as received through SMS on Android Mobile devices. Trusted Device Guide Tutorial Self-Registration Process × Activate Process × × .fixedImgDynamic.current { background-image: url("files/images/netbanking-Breaker.jpg") !important; } @media only screen and (max-width: 767px) { .fixedImgDynamic.current .px-0.col-lg-8 { z-index: 99; } }