Roshan Equity Investment

Raast

Raast is Pakistan’s first instant payment system that enables end-to-end digital payments among individuals, businesses and government entities within seconds. Not only that it helps bring down the high cost of the transactions making small-value retail payments cheap. Click here to view list of Raast Enabled Branches Register RAAST ID Link / Unlink RAAST ID Delete RAAST ID Generate QR Code Raast Tutorial Simplified P2M Payments via RAAST Bank AL Habib has recently added the Raast Person-to-Merchant (P2M) feature to AL Habib Mobile which allows customers to scan Raast QR codes to make payments. Customers may also use the "Merchant Alias Payment" option which allows them to make payments through AL Habib Mobile and Netbanking using unique identifiers such as Virtual Payment Address (VPA), Till Code, or Merchant ID assigned to merchants. P2M will enable customers to pay directly to merchants for shopping, dining, and monthly utility expenses. With just a quick scan of the QR code provided by the merchant, transactions can swiftly and securely be completed, eliminating the need for cash or physical cards. Key Features Funds Transfer on Merchant Alias Customers can make payments by scanning Raast P2M accepted QRs Only account-based transactions can be performed

Harassment At Work Place

Harassment At Work Place Employees must avoid any behavior that may be termed as gender-related harassment of female / male staff / customers. Offensive, threatening or disturbing behavior towards staff and customers at the workplace or in any interaction or situation that is linked to official activity outside the office would also be termed as harassment. In this connection, reference may also be made to HR circulars, Reference No. HR-008(A) and HR-008(B) dated October 29, 2010.

SME Banking

Offeredfor SMEs SME Products and Services SBP Refinance Schemes OtherSchemes SME Products & Services For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP. Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures. SME Definition Classification Annual Sales Turnover Limit / Exposure SE Up to PKR 150 Million PKR 100 Million Start-up SE A small enterprise up to 5 years old will be considered as start-up SE ME Above PKR 150 Million to PKR 800 Million PKR 500 Million Start-up ME A Medium Enterprise up to 5 years old will be considered as start-up ME SBP Policy - Promotion of SME Finance Download PDF *Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch. Downloads Prudential Regulations of SBP for SMEs SME Financing and Services Working Capital Financing Short Term Financing Long Term Financing Commercial Vehicle Financing AL Habib Zariya / Receivable Financing Export/Import Auto Lease Trade Finance Guarantees Export Finance Scheme SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products. View Details Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS) View Details Related Links Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details Agriculture Banking View Details Cash Management Services View Details Trade Services View Details

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

Apni Car

Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS)

Eligibility Criteria All citizens holding CNIC, aged between 21 and 45 years with entrepreneurial potential are eligible. For IT/ E-Commerce related businesses, the lower age limit will be 18 years For IT/E-Commerce related businesses, at least matriculation or equivalent education will be required Above age limit condition is applicable on individual and sole proprietors. In case of all other forms of business including partnership and companies, only one of the owners, partners or directors must in the age bracket prescribed above Small & Medium Enterprises (startups and existing businesses) owned by youth as per above mentioned age brackets are also eligible In case of agriculture, farmers classification as per SBP’s "Indicative Credit Limits & Eligible Items for Agriculture Financing 2020” will be applicable Loan Type Working Capital Loan / Term Loan. Financing of Machinery & locally manufactured vehicle for commercial use (also available under Diminishing Musharakah) Only one vehicle per borrower is allowed. A borrower in food franchise and distribution business may avail financing for more than one vehicle Upto 65% of total financing limit can be availed for Civil Works. For agriculture, production and development loans are eligible Loan Tenor Long Term Loan: Upto 8 years with maximum grace period of 1 year For working capital/production loans and murabaha under T2 and T3, tenor will be upto 5 years. Banks will have the option to lend working capital/production loans wherein only markup will be payable during first 2 years and thereafter both principal along with the markup will be paid in next 3 years making it total repayment period of upto 5 years Loan Size Product Financing Limit Tier 2 Above Rs. 0.5 Million and upto Rs. 1.5 Million Tier 3 Above Rs. 1.5 Million and upto Rs. 7.5 Million Pricing Tier 2 : 5% Tier 3 : 7% Security Arrangement Tier 2 (T2) loans – Clean (secured only by personal guarantee of the borrower) Tier 3 (T3) loans – As per Bank Policy Vehicle financed under T2 and T3 to serve as collateral Number of loans per borrower A customer may avail maximum two loans (including one long term and one short term loan) within overall maximum financing limit of Rs 7.5 million In case of agriculture, a customer may avail one production loan and one development loan within overall maximum financing limit of Rs 7.5 million Sector & Products All sectors and products. Moreover, in case of agriculture, all crop and non-crop sectors (including crop production, livestock, poultry, fishery, dairy etc.) are also eligible. Debt Equity Requirement New Business Tier 2 (T2) loans – 90:10 Tier 3 (T3) loans – 80:20 Existing Business Nil for all Tiers Turn Around Time The processing time will not exceed 45 days and will be stated clearly in the application form Application for PMYB&ALS Visit the Prime Minister Youth Loan Portal to start your application now. Apply Now .fixedImgDynamic.mera-pakistan{background-image:url('" ~ image_url("theme::images/individual-financing-icons-04.svg") ~"')} .fixedImgDynamic.mera-pakistan::after { content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; } .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%; } #main-slider .carousel-inner .container .carousel-caption{width: 61%;} .contentSection ul li { line-height: 1.5; } .bgPosBtmLeft { background-position: center center !important; }

Planning

Planning The Bank shall prepare an annual plan with clearly defined objectives, goals and strategies and implement such plans to ensure achievement of objectives and enhancement of corporate image.

Green Banking Initiatives

Bank AL Habib promotes environmental sustainability through its Green Banking initiatives, while also nurturing a strong culture of social responsibility. By aligning with global sustainability frameworks, engaging employees, and taking steps to reduce its carbon footprint, Bank AL Habib demonstrates its commitment to building a more sustainable future. Bank AL Habib integrates environmental sustainability across 3 core pillars: Strengthening Sustainability Through Environmental and Social Risk Management (ESRM) Integration Environmental and Social Risk Management Green Business Facilitation Reduction of the Bank’s Own Environmental Impact The Bank has embedded an ESRM framework within its credit evaluation process for both new and existing clients. As one of only two banks selected by the State Bank of Pakistan to pilot ESRM in lending, Bank AL Habib commenced full integration of the framework in March 2024. This ensures that all credit proposals are subject to rigorous screening for environmental and social risks. Where risks are identified, an Environmental and Social Action Plan is implemented to ensure continuous improvement and monitoring. To support this initiative, over 1500+ employees have been trained in ESRM, reinforcing compliance with mitigation protocols. To further strengthen its sustainability strategy, Bank AL Habib has partnered with KPMG Taseer Hadi & Co. Pakistan for consultancy in the implementation, validation and reporting of its Environmental, Social, and Governance initiatives. This collaboration enhances the credibility, effectiveness, and transparency of the Bank s ESG efforts. WWF-Pakistan Green Office Certification: A Milestone in Sustainable Operations Bank AL Habib's DHA Phase 6, Lahore branch has been recognized as the first certified Green Office of 2024 by WWF-Pakistan. This certification, part of WWF’s Green Office initiative, aims to reduce CO₂ emissions through energy efficiency, effective waste management, and the adoption of sustainable operational practices. As part of the certification process, WWF-Pakistan conducted a comprehensive audit, validating Bank AL Habib's commitment to environmental sustainability. This achievement highlights the Bank's continued efforts to enhance resource efficiency through water and energy conservation, minimized paper consumption, and responsible procurement practices. Empowering Employees for a Sustainable Future Employee engagement plays a vital role in Bank AL Habib's sustainability journey. To build internal capacity and foster a culture of environmental responsibility, 3,500+ employees across the country have participated in more than 75+ sessions focusing on key topics such as Green Banking, Green Taxonomy, and Environmental and Social Risk Management. These initiatives promote a deeper understanding of sustainable finance and risk mitigation. To further embed sustainability in its corporate culture, Bank AL Habib has introduced a Green Culture initiative, which includes regular sustainability bulletins to raise staff awareness. Additionally, sustainability principles have been integrated into the Management Trainee Officer program, equipping future leaders with the knowledge and tools to champion environmental stewardship in the financial sector. Driving Resource Efficiency Through Green Branches Bank AL Habib is actively expanding its network of green branches, with seven locations already designated as sustainable branches. These branches operate with a focus on 5 key sustainability indicators: Paper Fuel Water Electricity Waste To promote responsible consumption, the Bank closely monitors paper usage across its operations, achieving significant reductions. To minimize electricity consumption and reliance on non-renewable energy sources, these branches are powered by solar energy. The Bank has also partnered with a specialized vendor to manage recycling and waste repurposing, significantly reducing landfill contributions. To further reduce its carbon footprint, Bank AL Habib encourages virtual meetings to limit travel and associated fuel usage. In support of transparency and performance tracking, the Bank is developing an online database for real-time reporting on resource consumption and reduction milestones. Additionally, the Bank's Green Procurement Strategy ensures that all purchasing decisions are aligned with environmentally sustainable standards, reinforcing its long-term commitment to responsible operations. Alignment with the United Nations’ Sustainable Development Goals. Bank AL Habib’s sustainability efforts are closely aligned with the United Nations' Sustainable Development Goals (SDGs), reflecting the Bank’s commitment to driving positive environmental and social impact. Through its initiatives, Bank AL Habib contributes to the global agenda for sustainable development, aiming to build a more resilient and inclusive future by 2030. Good Health and Well Being Since 2024, Bank AL Habib has placed an even stronger emphasis on employee well-being by conducting a series of health and wellness initiatives. These include workshops on stress management, awareness sessions on Thalassemia, breast cancer, and diabetes, as well as emotional intelligence training to foster a healthier and more supportive work environment. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Gender Equality Bank AL Habib is committed to advancing gender equality through inclusive hiring practices and other women-centric initiatives. The "Banking on Equality" department, which oversees the AL Habib Woman, a dedicated portfolio of banking services for women, is a prominent feature of the Bank. This department also manages various women-focused initiatives within the Bank. Aligned with its vision of empowering women in business, the Bank has introduced the AL Habib Kamyab Khatoon Zarai Finance scheme, offering specialized financial products for female agri-entrepreneurs across Pakistan. Additionally, the Bank AL Habib Woman ApniCar Auto Finance Facility allows women to fulfill their dream of car ownership with flexible repayment plans and affordable rates. The Bank celebrates International Women’s Day and Women’s Week to further promote financial inclusion and highlight the critical role of women in the economy. Affordable and Clean Energy In 2024, Bank AL Habib successfully solarized 57 branches, with a total installed capacity exceeding 682KW, reflecting a 52% increase from the previous year. The Bank is committed to further expanding its solarization efforts in 2025, continuing to enhance its sustainability initiatives and reduce reliance on non-renewable energy sources. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Decent Work and Economic Growth Bank AL Habib supports inclusive economic growth through targeted recruitment programs focused on youth, women, and marginalized communities. The Bank offers competitive employee benefits and leadership development opportunities, while also advancing financial inclusion through its expanding digital banking services. By providing customized financial solutions for small and medium enterprises and women entrepreneurs, Bank AL Habib plays a key role in promoting job creation and driving economic diversification across the country. Reduced Inequalities Bank AL Habib is dedicated to fostering financial inclusion and accessibility by employing over 150 persons with disabilities (PWDs) and retrofitting more than 14 branches to ensure ease of access for all. These enhancements include wheelchair-friendly entrances, ATM cabins, and cash counters, along with ramps, railings, and tactile flooring to support mobility. To further accommodate customers and employees with disabilities, the Bank has introduced dedicated service counters, token systems, help desks, and designated parking spaces. Branches are equipped with wheelchair-accessible door designs, appropriate signage, and Braille materials to enhance the banking experience. Recognizing the importance of inclusive communication, Bank AL Habib has trained staff in effective interaction with PWDs and introduced Sign Language training and sensitization sessions through its Training & Management Development Division. Additionally, the Bank launched an e-learning module, AL Habib iLearn, to promote continued awareness and understanding of PWD-related sensitivities. With nearly 98% of its branches now accessible, Bank AL Habib reaffirms its commitment to reducing inequalities and building a truly inclusive environment for both customers and employees. Climate Action Bank AL Habib offers Smart Climate Agriculture Financing to promote resource-efficient practices and technologies across both agricultural and non-agricultural sectors. This tailored financing solution supports the adoption of alternative energy systems, advanced water management techniques, and precision agriculture practices, enhancing sustainability and operational efficiency across the agricultural value chain. Beyond financing, the Bank actively contributes to environmental awareness and policy dialogue. It has published insightful articles on critical topics such as green taxonomy, sustainable supply chains, and carbon markets in leading English, Urdu, and Sindhi newspapers. Additionally, Bank AL Habib collaborates with prominent think tanks such as Future Forum and regularly participates in national and international summits dedicated to green finance and climate change—reinforcing its commitment to driving impactful, knowledge-based sustainability initiatives. #green-banking p { font-size: 19px !important; } span.green { color: #00a25b !important; } .environment-sec h4 { color: #00a25b; font-size: 26px !important; } .environment-sec h3 { font-size: 35px; text-transform: capitalize; } .environment-sec .card { background: white; border-radius: 20px !important; box-shadow: 0px 0px 2px 3px #eee; } .environment-sec h5 { font-weight: 400; color: black !important; } .green-feature-inner .icon-wrap { padding: 45px 15px; background: #f4f4f4; border-radius: 7px; } .featuerImg img { width: 78px !important; height: 78px !important; } .green-feature-inner img { width: 78px !important; height: 78px !important; } .green-feature-inner h5 { font-weight: 400 !important; color: black !important; } .owl-nav { top: -15px !important; } .owl-carousel .owl-item { height: unset !important; } .owl-carousel .owl-nav button { border: 0px !important; background: white !important; width: 40px; height: 40px; line-height: 43px !important; } .owl-carousel .owl-nav button i { color: #00a25b; } .owl-nav button[class^="owl-"]:hover i { color: #fff !important; } .owl-theme .owl-nav [class*=owl-]:hover { background: green !important; } body.dark-mode .environment-sec .card { background: #333 !important; box-shadow: none !IMPORTANT; } body.dark-mode .environment-sec h5 { color: white !important; } body.dark-mode .green-feature-inner .icon-wrap { background: transparent !important; border: 1px solid #5a5a5a !important; } body.dark-mode .green-feature-inner h5 { color: white !important; } body.dark-mode h4 { color: #72ec8e !important; }

Avail AL Habib Netbanking

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