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.

Housing Finance Features

Buying your own Home The product is offered to individuals who intends to buy an already built residential property (house or apartment). Financing Criteria Financing is available from PKR 300,000 up-to PKR 100 million or up to 75-85% of the appraised value of a built up house/apartment/land whichever is lower. Financing period from 1 to 25 years. Disbursement as Bullet Payment (one time). Financing will be based upon verified net income of the applicant to ascertain repayment capacity. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000.Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000.Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. No Charges for Early Settlement and Balloon Payment(s). Repayment in equal monthly installments based on the tenure of financing. Want to Construct your Dream Home? This product is extended to customers who already owns a residential land and need funds to meet the construction cost. It also caters to customers who have already begun construction and have completed it up to a certain level. Financing Criteria Financing is available from PKR 300,000 up to PKR 50 Million or 100 % of Bill of Quantity (BOQ) or 70% of the construction cost and appraised land value whichever is lower. Financing period from 1 to 25 years. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000. Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000. Spouse, Father, Mother and Son can be made as co-borrower for income clubbing or property ownership. No Charges for Early Settlement and Balloon Payment(s). Disbursement of Payment in three stages as follows: a) Plinth Stage 30% b) Structure completion 30% c) Finishing Stage 40% Repayment in equal monthly installments based on the tenure of financing (2 years grace period for construction is also included, where only markup is to be serviced). No Charges for Early Settlement and Baloon Payment. Is your home due for Renovation? This product is offered to customers for the purpose of renovation of a constructed house/apartment. Financing Criteria Financing from PKR 300,000 up to PKR 20 million or up to 50% of the appraised property value whichever is lower (Residential House). Financing from PKR 300,000 up to PKR 5 million or up to 25% of the appraised property value whichever is lower. (Residential Apartment). Financing period from 1-25 years. Minimum income requirement for Salaried person (primary borrower) is PKR 60,000 and co-borrower is PKR 30,000. Spouse,Father,Mother and Son can be made as co-borrower for income clubbing or property ownership. Minimum income requirement for SEP/SEB (primary borrower) is PKR 100,000 and co-borrower is PKR 30,000. Spouse, Father, Mother and Son can be made as co-borrower for income clubbing or property ownership Disbursement made as Bullet Payment (one time). Bill of Quantity also required. Repayment in equal monthly installments based on the tenure of financing. No Charges for Early Settlement and Balloon Payment(s). Do you wish to transfer your home loan with us? Bank AL Habib provides you an opportunity to transfer your already availed house loan from other banks/institutions with Bank AL Habib. Financing Criteria Only the outstanding amount shall be paid to the releasing bank/institution or maximum amount PKR 50 Million whichever is lower. No enhancement in financing amount will be offered to the applicant. Property ownership must be in the name of primary borrower or co-borrower. Customer to provide a letter, authorizing our bank official to collect and retrieve all title documents from the releasing bank/institution. No Charges for Early Settlement and Balloon Payment(s). Do you want to purchase a plot and construct over it? The product is offered to individuals who intends to buy a residential plot and need funds to meet the construction cost. Financing Criteria This product will be offered to purchase the plot and construction thereon, First trench will be disbursed for plot purchase with maximum 50% of approved financing amount or 50% of land value whichever is lower. After purchase of plot, process of construction to be followed by disbursing three more trenches of remaining amount.

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 8.50% p.a 3 Months Deposit 8.00% p.a 6 Months Deposit 7.50% p.a 1 Year Deposit 10.25% p.a 2 Year Deposit 9.10% p.a 3 Year Deposit 8.10% p.a 4 Year Deposit 8.10% p.a 5 Year Deposit 8.10% 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

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.

Roshan Apni Car

Roshan Apni Car We are now offering Roshan ApniCar (Auto Finance) facility to individuals having a Roshan Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse / parents / children residing in Pakistan. Apply Now Roshan Apni Car Calculator Product Eligibility Criteria Financing facility for brand new, used & imported vehicles. Non-Resident Roshan Digital Account (RDA) holder at Bank AL Habib Limited (BAHL) with Resident Pakistani Spouse / parents / children / Siblings as co-borrower or Resident Pakistani having RDA at BAHL. Having minimum working experience as follows: Regular Salaried individuals with minimum 2 years experience of current employer. Contractual Salaried individual with minimum 3 years experience. Self-Employed Professionals (SEP) and Business Individuals with minimum 3 years experience in similar profession / professional setup. Having minimum net monthly Income of: Employed / Working in Gulf Countries: Equivalent to DHS 10,000/- Employed / Working in Non Gulf Countries: Equivalent to USD 3,000/- Minimum Down Payment 15-45% depending upon the variant of vehicle. Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency / Resident Card for Gulf Countries. Having clear credit history. Vehicle to be registered in the name of borrower or spouse / parent / child / Siblings as co-borrower. Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR Account. For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on foreign currency deposit. Processing fee, documentation etc to be charged as per the Bank’s Schedule of Charges. Minimum age at the time of application: 25 years. Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP. For lien based facility, minimum experience, minimum income requirement and restrictions of stated jurisdictions shall not be applicable. Product pricing Rate Lien Based Non-Lien Based Variable Rates SBP Floor+1.0% 1 Year KIBOR+1.0% Fixed Rates Certificate of Deposit Rate (COD*) + 1% Respective (PKRV**) + 1.5% *Prevailing Certificate of deposit rate of Bank AL Habib Mahana Munafa account for respective tenure to be applied. **Respective PKRV of the last day of previous month to be applied. Notes Current SBP Floor is 20% pa and is available at the following SBP link: https://www.sbp.org.pk/ecodata... KIBOR is published on a daily basis at the following SBP link: https://www.sbp.org.pk/ecodata... Pricing of the fixed rate loans remain unchanged till maturity of the loan. However, if market conditions change, banks can offer a revised price at the start of the financing period. Insurance Without Tracker With Tracker Value Added Services (apart from comprehensive coverage-bumper to bumper) EFU 1.40% 1.99% 1.50% 1.99% Accidental death Coverage up to PKR 2.5 Million Jubilee 1.75% 1.99% 2.25% 2.50% 1) Full outstanding finance amount to be paid in the event of accidental death of Roshan Digital Account Holder. 2) Free Medical expense cover upto PKR 1 Million, in case of hospitalization of RDA holder for 30 days during stay in Pakistan. UBL Insurer 1.40% 1.89% 2.90% 3.50% Accidental death Coverage up to PKR 2.5 Million Adamjee 1.50% 1.99% 2.90% 3.50% 1) Accidental death Coverage up to PKR 2.5 Million 2) Health insurance plan up to 20.00% of vehicle or PKR 500,000 whichever is less 3) Online Medical consultancy 4) Travel Insurance Plan up to USD 50,000 Habib 1.38% 1.85% 1) Accidental Death Coverage up to PKR 2.5 Million 2) Payment of full outstanding auto finance amount in case of RDA holder’s death 3) Travel Insurance Plan up to USD 50,000 4) Tracker Facility from A rated Company 5) Speedy Claim Approvals because designated surveyors has been deputed Century 1.75% 2.25% Accidental Death Coverage of principal amount or maximum up to PKR 2.5 Million Delivery time - by manufacturers ( Approx period ) Manufacturer Variants Tentative Delivery Time Offer by Manufacturer Honda Atlas City 2 to 3 months No Priority Delivery Civic 3 to 4 months BRV 2 months Kia Sportage 3 months Priority delivery up to half from the actual tentative delivery time Picanto 3 months Carnival 2 months Sorento 4 months Indus Motors Yaris 2 to 3 months Delivery time will be communicated as per manufacturer's confirmation Corolla 1.6 & 1.8 6 to 7 months Fortuner 6 to 7 months REVO 6 to 7 months Grande 6 to 7 months Pak Suzuki Alto 2 months Delivery time will be communicated as per manufacturer's confirmation Cultus 4 months Wagon-R 2 months Bolan 2 months Ravi 2 months Swift 3 months Hyundai Tucson 6 to 7 months Stock available (subject to vehicle's colour availability) Co-Applicant For Non-Resident RDA holder, Resident Pakistani shall be added as co-applicant for vehicle registration and legal documentation purpose. Roshan Apni Car Tutorials .btn-roshan{ color: #15804F; background-color: #fff; border-color: #15804F;} @media screen and (max-width: 767px) { .bgPosBtmcenter {background-position: bottom right !important;} } ol{list-style:none;} .tableCustomizer tr td:last-child { border-right: 1px solid #ddd !important; } .tutorial_video h5{font-size:1.3rem; text-align: center; } @media screen and (max-width: 767px) { .btn-lg{display:block;} .btn-login{display:inline-block;} .owl-theme .owl-nav{display:none;} .owl-item {height: 270px;} }

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.

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AL Habib Green Banking Policy Statement

The policy has been prepared in light of the “Green Banking Guidelines” issued by SBP vide IH&SMEFD Circular # 08 dated October 09, 2017. Green Banking Department - Administration Division has the ownership to maintain this policy. This policy will be applicable to all business and support functions of the bank. The Green Banking Policy will be reviewed after every two years. This policy serves as a course of action for the bank to strategize, implement, and monitor the Green Banking practices at all levels of the bank. The purpose of BAHL Green Banking Policy is to provide necessary guidelines to protect the natural environment while providing service or financing to customers as well as to improve in-house environmental management through efficient use of various resources across the bank. In line with State Bank of Pakistan Green Banking Guidelines, BAHL Green Banking Adoption is targeted towards:- Own Impact Reduction Green Business Facilitation Environmental and Social Risk Management (ESRM) System BAHL Green Banking Policy consists the following:- Introduction Green Banking Organization Structure, Roles & Responsibilities Coordination & Monitoring .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Long Term Financing Facility (LTFF) for Plant & Machinery

Introduction SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower. Period of Financing 3,5 and 10 years. End User Rate 5% (Textile Sector) End User 6% (Non-Textile Sector) Maximum period of Loan is 10 years including a grace period of 2 years. However, where financing facilities have been provided for a period of up to 5 years a grace period of 1 year is allowed. Disclaimer Lending under the facility shall also be subject to compliance with the Prudential Regulations as prescribed by the State Bank from time to time for different categories of borrowers. Underserved Areas Districts Excluded From Definition of Underserved Areas

AL Habib SMS Banking