Adherence To Law

Adherence To Law The Bank shall at all times strictly adhere to the laws of the country and fulfill all statutory requirements as laid down by the regulators and ensure timely, proper, and full payment of all applicable taxes, rates, duties and/or any other levies as may be imposed from time to time.

Disclaimer

While Bank AL Habib Limited provides the information on this server to anyone, we retain copyright on all text and graphic images. This means that you without our prior written permission shall not: distribute the text or graphics to others; voluntarily "mirror" or include this information on your own server or documents; modify or reuse the text or graphics on this system.You shall NOT use HTML development tools, robots, spiders and other crawling, caching, retrieval devices to store in whole or in part any information under the domain www.bankalhabib.com without prior written permission. Information shall not be used to reverse engineering and/or reuse, resale etc.You MAY: print copies of the information for your own personal use; store the files on your own computer for your personal use only. Commercial organizations are not allowed to store and/or save these HTML pages for their personal use. Bank AL Habib Limited, reserves all rights to have recourse to legal proceedings in case of infringements of any of the conditions herein contained. Other manufacturers' product and service names profiled herein are trademarks and service marks of their respective companies.The information, text, graphics, and links provided herein are provided by Bank AL Habib Limited as a convenience to its customers/site visitors. Bank AL Habib Limited does not warrant the accuracy, or completeness of the information, text, graphics, links, and other items contained on this server or any other server nor do we endorse external sites.Information and documents provided on this Web site are provided "as is" without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. Bank AL Habib Limited uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any warranties or representations as to its accuracy or completeness.Bank AL Habib Limited periodically adds, changes, improves, or updates the information and documents on this Web site without notice. Bank AL Habib Limited assumes no liability or responsibility for any errors or omissions in the content of our Web site. The use of this Web site you is at your own risk. Under no circumstances Bank AL Habib Limited, its suppliers, principals, affiliates, or any other party involved in creating, producing, or delivering this Web site's contents shall be liable to you or any other person for any direct, indirect, special, incidental, or consequential damages arising from your access to, or use of, this Web site.Bank AL Habib Limited provides links and/or access to links from it's web site to other external web sites. This can result to an increase in web traffic on hyper linked (external) site. If your site is hyper linked from our web site and you wish to remove this link, please email us. All links will be removed only when originating mail is received from the webmaster of the hyper linked domain.Bank AL Habib Limited periodically shares its mailing list with its affiliates, clients and/or commercial entities whom we expect will exercise responsibility when using the list. On certain pages, you may be required to enter your personal information, which would be required for purposes of dispatch of information, product material, and/or software to you, or this information may be used for purposes of registration and/or site statistics. Please note that by having access to this site and entering your information, you have agreed that Bank AL Habib Limited can/will share its mailing lists with external entities.All downloads from this site and/or other hyper linked sites are governed by the License Agreement with the accompanying software (if any). User is solely responsible for adhering to the License Agreement. Bank AL Habib Limited provides all the files in its download section on an `As is where is´ basis. Bank AL Habib Limited does not warrant accuracy of the information contained in the document downloaded.All internal white papers, documents, specifications, prices, and other business functionary matter are non-binding.All other trademarks and service marks are properties of their respective holders.

Bank on Wheels - Mobile Banking Unit

Introducing Bank on Wheels, our mobile banking unit to make banking more accessible and convenient. The initiative aims to increase financial inclusion through delivery of financial services to areas where there are no bank branches such as hospitals, universities/colleges, rural areas, villages, calamity struck areas, emergency situations, or special events like exhibitions and festivals. Services for Everyone ATM Facility Utility Bill Payments Fee Collection Home RemittanceServices Services Exclusively for Bank AL Habib Customers Cheque Deposit (Transfer Cheques only) Online Funds Transfer (BAHL to BAHL) Cash deposit in BAHL Account .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; }

Trade Services

International and domestic trade is highly complex and involves a web of intricate risks. Trade Finance delivers fast, efficient, reliable and comprehensive solutions for every stage of a client's trade value chain to support their foreign trade activities Trade Services Bank AL Habib Ltd has been offering its expertise and experience in Trade Finance to its customers since its inception. It is one of the leading Trade Finance bank of Pakistan. The bank maintains a global network of correspondent banks in addition to its network of local and overseas offices; which are strategically placed to support the domestic, regional and global trade finance requirements of its customers. It provides an entire range of trade finance services which includes import and export activities such as issuing of Letters of Credit, purchasing export documents, providing guarantees and other support services to facilitate your trading business needs. Assistance We assist businesses to trade overseas securely and cost effectively. We offer import and export businesses access to guarantees, global payments, trade finance and foreign exchange services, as well as providing expert technical assistance to help you gain from international opportunities. Imports Establishment of Import Letter of Credit. (Inland & Foreign) Import Collections Import Contract Registration Open Account Transactions

Agriculture Finance Products

AL Habib Farm Production Financing Scheme This scheme helps farmers to bridges financial gap of their on-farm/ off-farm activities. It allows financing under Electronic Warehouse Receipt (EWR)/ against stocks of crop produce & any other Agri. Business Concern as per SBP's eligible items. The scheme facilitates Seed Processing Units, Godowns, Silos, Cold Storages, Processing of Agri. Produce (excluding five major crops), etc.

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; }

AL Habib Woman Debit Card

Debit Card Terms & Conditions

ATM & Cash Deposit Machine

ATM & Cash Deposit Machine Experience seamless banking with the innovative CRM Machine, the combination of Cash Deposit Machine (CDM) and an Automated Teller Machine (ATM). Now you can withdraw or deposit cash in a single, convenient location. Key Features Dual-function machine that works as both an ATM (services) and a CDM (cash deposit machine) Instant transaction receipts for every transaction SMS notifications on each deposit or withdrawal Fast, secure, and user-friendly interface for seamless banking 24/7 Availability of Cash Deposit Services Real time account transactions are completed Functionality to Operate ATM Insert card or tap your card on NFC enabled ATM Enter 4-digit ATM pin Select your desired option within provided ATM services How to Deposit Cash Proceed on the Welcome Screen Select "Deposit to Bank AL Habib Account" Option Enter your CNIC and your Mobile Number Enter Beneficiary Account Number/IBAN Number Provide your Thumb Impression Verify beneficiary information Enter the deposit amount and select the purpose of payment Insert Cash into the Cash Slot Collect your receipt after a successful transaction .steps{ flex:0 0 20%; padding:15px; font-size:1.1rem; } .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; } @media only screen and (max-width: 991px) { .steps { flex: 0 0 25%; } } @media only screen and (max-width: 767px) { .d-flex { display: flex !important; } .steps { flex: 0 0 50%; font-size:1rem; } } @media only screen and (max-width: 320px) { .steps { padding:8px; } }

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 Sept 30, 2025 is as follows: 6.69x Price earnings ratio Rs. 126.87 Break-up value per share (excluding surplus on revaluation) 105.00% Dividend Payout Sept-2025 Bank AL Habib Highlights Download PDF For the Third Quarter as on Sep, 2025 Profit before tax PKR 53.50 Bn Assets Liabilities Revenue TotalNetwork 1309 Branches & Sub-Branches Domestic ATMNetwork 1300+ Onsite & Offsite Installations Total CitiesServed 531 in Pakistan and across the World Total Foreign RepOffices & Branches 5 Countries Across the Globe TotalAssetsPKR 3.28 Tr EarningPer SharePKR 22.85 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. Long Term Entity Rating AAA Short Term Entity Rating A1+ .awards-intro-text{font-size:21px; color:#fff;} text.highcharts-credits { display: none !important; } span.text-small-white { font-size: 16px; font-style: italic; } .MainText{font-size:26px;} .GrowthSection{display:table; min-height:600px; width:100%;} .GrowthSection .MiddleText{display:table-cell; vertical-align:middle; font-size:20px;} .GrowthSection span{display:block;} .GrowthSection .SmallText{font-size:1em;} .GrowthSection .MediumText{font-size:1.3em;} .GrowthSection .LargeText{font-size:2.5em;font-weight:400} .GraphSection .nav-pills .nav-item{width:150px;} .GraphSection .nav-pills .nav-link{border-radius:0; width:100%;} .GraphSection .ChartTitle{background: #E6E7E8;float: right;clear: both;text-align: right;padding: 5px 15px; color:#010101;} .Summary_Middle{background-image: url("/files/images/MapBG.png"); background-repeat:no-repeat; background-position:center center;} .Summary_Middle .LargeText{font-size:30px; line-height:normal;display:block;} .Summary_Middle .SmallText{font-size:19px; color:#58585B;} .Summary_Middle .TotalCount{font-size:30px; font-weight:500; color:#00a25a; display:block; margin:25px 0 15px 0;} /* .FinancialInfo{ height:47.75% !important; } */ .FinancialInfo span.Icon{} .FinancialInfo span.Values{color:#ffffff; font-weight:300; font-size:36px;line-height:1;} .FinancialInfo span.amount{color:#fbb040;font-size:46px;margin-top:10px;line-height:normal; font-weight:400; display:inline-block;} .AwardSection{height:100%;} .AwardSection h3{font-size:36px; font-weight:400;} .AwardsContent{} .AwardsContent ul{list-style:none; margin:0; padding:0 0 0 15px;} .AwardsContent ul li{font-size:21px; padding-top:25px; position:relative;padding-left:50px;} .BorderWrap{width:2px; position:absolute; left:0; height:100%; background:#333333; top:29px;} .AwardsContent ul li:last-child .BorderWrap{top:0; height:27px;} .AwardsContent ul li:last-child .BorderWrap .Circle{top:29px;} .AwardsContent ul li .Circle{border-radius:50px;background:#fbb040; width:27px; height:27px;position:absolute; left:-12px; } .DarkTopBorder{border-top:2px solid #939597;} .DarkBottomBorder{border-bottom:2px solid #939597;} .DarkRightBorder{border-right:2px solid #939597;} .BottomTextLG{font-size:21px; font-weight:400; display:block; margin:15px 0 20px 0;} .GreenTextLG{font-size:49px;color:#00A259;} .triangle-down {width: 0;height: 0;border-left: 10px solid transparent;border-right: 10px solid transparent;border-top: 18px solid #fbb040;} .triangle-up {width: 0;height: 0;border-left: 10px solid transparent;border-right: 10px solid transparent;border-bottom: 18px solid #fbb040;} .GrowthSection .SmallText::before {width: 0;height:0;border-left: 10px solid transparent;border-right: 10px solid transparent; border-bottom: 18px solid #fbb040;content: '';margin-top: -26px;display: inline-block;margin-right:5px;} @media (max-width: 1024px){ .GrowthSection .MiddleText{font-size:16px;} .Summary_Middle .LargeText{font-size:24px;} .FinancialInfo span.Values{font-size:30px;} .FinancialInfo span.amount{font-size:40px;margin-top:0px;} .AwardsContent{margin-top:0 !important;} .AwardsContent ul li{padding-top:14px; font-size:17px;} .BorderWrap{top:14px;} .AwardsContent ul li:last-child .BorderWrap .Circle {top: 14px;} } @media (max-width: 768px){ .GrowthSection{min-height:500px;} .GrowthSection img.img-fluid{width:75%;} .GrowthSection .MiddleText{font-size:14px;} .GrowthSection .LargeText{font-size:2em;} .GraphSection .nav-pills .nav-item{width:125px;} .FinancialInfo{padding:32px 25px !important;} .FinancialInfo span.Values{font-size:20px;} .FinancialInfo span.amount{font-size:30px;} .AwardSection{padding:25px !important;} .AwardSection img.img-fluid{margin-right:15px; float:left;} .AwardSection h3{font-size:30px;} .AwardsContent ul li{font-size:14px;} .BottomTextLG{font-size:18px;} .Summary_Middle .LargeText{font-size:17px;} .Summary_Middle .TotalCount{font-size;27px; margin:10px 0 10px 0;} .Summary_Middle .SmallText{font-size:15px;} } @media (max-width: 767px){ .GrowthSection{margin-bottom:25px;min-height:200px;} .GrowthSection span.icon.mb-5{margin-bottom:25px !important;} .GrowthSection img.img-fluid{width:35%;} .GrowthSection .LargeText {font-size: 2.5em;} .GraphSection .ChartTitle{text-align:center;} .GraphSection ul.nav{width: 100%;justify-content: center;} .GraphSection ul.nav li{} .GraphSection .nav-pills .nav-item{margin:0 !important; width:auto;} .FinancialInfo span.Icon{flex:0 0 30%;} .FinancialInfo span.Values{flex:0 0 70%;} .col-md-5.pr-0 {padding-right: 15px !important;} .col-md-7.pl-4{margin-top:25px; padding-left:15px !important;} .FinancialInfo span.Values{font-size:25px;} .FinancialInfo span.amount{font-size:34px;} .iconCarouselWrapper {padding: 0 0 20px 0;border-bottom: 1px dashed #ccc;} .MobileBorderNone{border:none !important;} .MobilePaddingNone{padding:0 !important;} .MobileMarginNone{margin:0 !important;} .row.py-3.Summary_Middle{padding:0 !important; background:none;} .BottomColInner{border-bottom:25px; margin-bottom:25px; border-bottom:1px dashed #ccc; } .BottomTextLG{margin-bottom:0;} .DarkRightBorder{border-right:none;} .highcharts-title span.a{font-size:40px !important;} .highcharts-title span.b{font-size:28px !important;} } .big-box{ color:red; } KPMG Taseer Hadi & Co Chartered Accountants Legal Advisor LMA Ebrahim Hosain Barristor, Advocates & Corporate Legal Consultants Free Float of the shares of the Bank Download PDF CDC Share Registrar Services Limited CDC House, 99-B, Block B, S.M.C.H.S. 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. Senior 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;}