Home Remittance

INTRODUCTION REMIT ACCOUNT REMITTANCE TRACKER SERVICES REMITTANCE PARTNERS SOHNI DHARTI AL Habib Remit Every year thousands of Pakistani expatriates open the door for foreign currency inflow to our country. These Home Remittances have now evolved as a key factor in supporting our country’s economy. Bank AL Habib Home Remittance Division is facilitating overseas Pakistanis around the globe and their loved ones in Pakistan by providing value-added services to remitters and beneficiaries under the special Home Remittance arrangements. AL Habib Remit Contact Details For any queries, information or complaints regarding our Home Remittance services, please feel free to contact our 24/7 Call Centre at (92-21) 111-014-014, for international customers dial 92-21-32446978-79 or Home Remittance Division at (92-21) 32417837 / 32472140 / 32473008 & 32480209 PABX: 0092 21 32480124 - 34 Ext: 119, 118, 113, 112, 114 & 116 or e-mail us at hroperations@bankalhabib.com

Term Deposit

Fixed Term Deposit Salient Features Minimum Investment of PKR 25,000/- Available in Tenure of 1 Month, 2 Month, 3 Month, 6 Month & 1 to 5 Years Up to 90% Financing against Deposit Available Pre mature Encashment option available Profit payment frequency at maturity for 1, 2, 3 & 6 months. For 1 to 5 Year, profit payment frequency is annual Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.50% p.a 3 Months Deposit 9.50% p.a 6 Months Deposit 9.50% p.a 1 Year Deposit 11.50% p.a 2 Year Deposit 10.75% p.a 3 Year Deposit 10.75% p.a 4 Year Deposit 10.75% p.a 5 Year Deposit 10.75% p.a Profit rates are indicative and are subject to change from time to time. Note: On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Book A Fixed Term Deposit Visit nearest Bank AL Habib Branch or download form online and submit the duly completed form with all supporting documents. Download Form Download KFS All taxes will be imposed as per government regulation and directives by State Bank of Pakistan. Apply Now

Naya Pakistan Certificates

Naya Pakistan Certificate (NPC) Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Naya Pakistan Certificates (NPCs), which are PKR, USD, GBP and EUR denominated instruments issued by the Government of Pakistan with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Naya Pakistan Certificate while Bank AL Habib is acting as an agent of the same. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Eligibility AL Habib Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificates can be booked in PKR, USD, GBP and EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Rates & Profit Payouts Tenure PKR Rate USD Rate GBP Rate EUR Rate Profit Payout (Coupon Payment) 3 Months 11.75% 6.75% 6.75% 4.75% Maturity 6 Months 12.00% 7.00% 7.25% 5.25% Maturity 12 Months 12.25% 7.25% 7.50% 5.50% Maturity 3 Years 12.50% 7.50% 7.75% 6.00% Bi-Annual 5 Years 12.75% 7.75% 8.00% 6.25% Bi-Annual *Revised Rates effective from June 1st, 2026 onwards. Premature Encashment Certificates can be prematurely encashed (early encashment before maturity). No profit will be paid in case of encashment of certificates before completion of 3 months. Profit/proceeds of premature encashment made after 3 months will be calculated based upon the rates of nearest completed tenures.Please click for illustrations Maturity Maturity proceeds will be credited back to the investor’s Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions In case of a holiday on the periodic profit or principal payment date, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. In such case, no profit will be payable for the period of the holidays. The Certificates shall be pledgeable as security for raising financing in Pakistan subject to such conditions as may be prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

Roshan Qurbani

Supreme Court & Prime Minister fund for Diamer & Bhasha Dams

Introduction In accordance with the directives of the State Bank of Pakistan, Bank AL Habib has opened an account titled “The Supreme Court of Pakistan and the Prime Minister of Pakistan Diamer-Bhasha and Mohmand Dams Fund” where donations/contributions can be deposited to raise finances for construction of the above mentioned dams. Notice of Complains for Diamer-Bhasha and Mohmand Dam Fund Diamer Bhasha And Mohmand Dam Fund Donation Donations and contributions to this fund can be made in the form of cash, cheque, prize bonds and other cash equivalents at any of our branches and sub branches nationwide or through our following digital channels: ATMs AL Habib Mobile and Netbanking Mobile Banking

AL Habib Stock Market Investment

Investment in Pakistan Stock Exchange (PSX) at Your Convenience Bank AL Habib account holders may now open an account digitally with Central Depository Company (CDC) / Brokerage House through a Digital process. This is an ideal opportunity for Bank AL Habib account holders (Local) to invest in Pakistan’s capital market and earn competitive returns offered by Pakistan Stock Exchange (PSX). The following customer information will be required: Permission to share the KYC/CDD details, documents and Specimen Signature with CDC for onward sharing with Trading Right Entitlement Certificate Holder (TREC), National Clearing Company of Pakistan (NCCPL) Consent on Terms & Conditions for opening of Account with TREC holder and opening of CDC account Select a TREC Holder with whom he/she wishes to trade Apply Now Key Features Digital access to Pakistan Stock Exchange Trading Account Opening Digitally Select the broker of your choice to open Trading Account User friendly, fully automated and integrated system Safe and secure custodial services Email & SMS Alert Facility Step for Investment Broker List Brokers Connected with CDC Disclaimer: Bank AL Habib Limited bears no responsibility for any action / investment made in reliance of research reports of any brokerage house. The analysis and recommendation in the research reports are of the brokerage companies themselves and Bank AL Habib Limited does not recommend any investment decision based on them. Customers are requested to take their own investment decisions considering all influencing elements including but not limited to the market risk. AL Habib Stock Market Investment Tutorial × .downloadListItem{background-color: #fff;} body.dark-mode .downloadFieldWrapper .downloadList .downloadListItem { background-color: #202020; } .bgPosBtmLeft { background-position: top !important; } @media (max-width: 575.98px) { .featureWrapper { flex-wrap: nowrap; text-align: left; } }

AL Habib Biometric App

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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

Individual Financing