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

Investor Portfolio Securities (IPS) Account

Introduction Customers willing to invest in the government securities are required to open an IPS account with the Bank. This account is offered to all categories of customers (individuals and institutions) who can make investments through their respective branches. The Bank will facilitate the customers by way of handling their investment portfolio in Government Securities and holding them within its Subsidiary General Ledger Account (SGLA) with the State Bank of Pakistan. Product Features SBP has allowed following three types of securities to be maintained in SGLA: Market Treasury Bills (T Bills) Denomination: Issued in multiples of PKR 5,000 Tenors: 3, 6 and 12 months Issued at discount MTBs are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Pakistan Investment Bonds (PIBs) Denomination: Issued in multiples of PKR 100,000 Tenors: 2, 3, 5, 10, 20 and 30 years Coupon rate: fixed and floating Coupon payment: Quarterly & Semi annual Zakat: No compulsory deduction of Zakat at source Government of Pakistan (GOP) Ijara Sukuks Denomination: Issued in multiples of PKR 100,000 Tenors: 1, 3, 5 and 7 years Coupon rate: floating & Semi annual GOP Ijara Sukuk are issued in a scrip less (without physical) form Zakat: No compulsory deduction of Zakat at source Customers are advised to contact their Branch Manager / Operations Manager to obtain the current price / rate of government securities Eligibility Criteria The customer requesting for an IPS account is required to have a current/ savings account with the Bank. The IPS account of the customer is opened with the same account title, details and conditions as of the current/ savings account The customer will pay applicable charges on IPS account transactions as specified in the Bank’s schedule of charges. Further, Account maintenance fee will also be recovered at the start of each month from the customer’s account Documents Required Application/letter from customer to open an account Account Opening Form Duly filled by the customer CNIC copy of the account holder(s) / directors / trustees Board resolution with company’s seal as prescribed in the IPS account opening form (for corporates) List of signatories to open and operate the account with specimen signatures (for corporates) Valid Tax Exemption Certificate (if applicable) .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

AL Habib SMS Banking

Woman Accounts

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

Business Banking

Corporate Banking SME Banking Agriculture Banking Trade Services Cash Management Services Guarantees Employee Banking Solutions Corporate Banking At Bank AL Habib, Corporate Banking is all about building relationships and bridging gaps. Whether you are a large corporation or a small business house, being a business

Rewards Program

Introduction Earn Reward Points with every PKR. 50 (or equivalent foreign currency) purchases on Basic or Supplementary Cards. Redeeming your Reward Points for desired items or services is quick and easy. Choose from a wide variety and options available at our Reward Points Redemption Partners. Only 2500 Reward Points are required to embark on the redemption journey. Just call our Helpline for redemption. Program Details Monetary value of Reward Points is Rs 0.10 per Rs 50 of retail spend, on all outstanding points. FOREX Premium Charges on all foreign retail transactions is 4.5%. How To Redeem Reward Points Download Reward Redemption Form Download Scan and Email it to info@bankalhabib.com Call us at our Helpline (021) 111-014-014 Reward Points Calculator Submit Captcha is required Points Earned Value of Points (in PKR)

Guarantees

Foreign Bank Guarantees Upon the request of our customers and against collaterals and limits accorded to them subject to approval of our Central Bank (if required), we issue Counter Guarantees ( SBLCs, Performance Bonds, Bid Bonds and Advance Payment Guarantees etc) to our Foreign Correspondent Banks. Against Counter Guarantees of Foreign banks we issue our Guarantees to beneficiaries in Pakistan. It is based on the concept that the issuer undertakes to pay the beneficiary upon presentation of complying demand.

Corporate Banking

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 1353 Branches (inclusive of Sub-Branches & Islamic Banking Branches) in 554 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