AL Habib Roshan Digital Account

Introduction Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and Foreign Nationals having a Pakistan Origin Card (POC) to open and manage a Pakistani bank account through Roshan Digital Account (RDA) in Bank AL Habib via an online digital platform. Bank AL Habib is the leading Roshan Digital Account service provider across the country that will facilitate overseas Pakistanis and expats with a simple, secure and convenient online digital account opening process which facilitates payments, investments and helps them avail various other banking facilities while being abroad. Bank AL Habib provides secure banking solutions for Non-Resident Pakistanis (NRPs) with the option to establish a Roshan Digital Account (RDA) to facilitate remittances for subsequent investments in securities via CDC, government-issued bonds, real estate and other permissible purposes outlined by the State Bank of Pakistan. Benefits of Roshan Digital Account If you are an overseas Pakistani looking for an easy way to manage your financial needs back home then the Roshan Digital Account offered by Bank AL Habib is tailored for the Pakistani diaspora. The current / savings accounts offered for overseas Pakistanis ensure that you stay connected to your financial interests in Pakistan without any hassle. The unparalleled support and RDA features are what makes Bank AL Habib Roshan Digital Account the best bank account for overseas Pakistanis and a reliable option to open a current / savings account in your homeland. View Details View Details View Details View Details View Details View Details View Details Other Investment Opportunities View Details RoshanSurvey Form View Details RoshanService Request Form View Details RoshanQurbani View Details Roshan DigitalAccount Tutorial View Details Premium Prize bond View Details Product Features Free E-Statements Cheque Book Facility Digital Banking for Non-Residents Debit Card Facility (PKR Account Only) Offered in Pak Rupee & Foreign Currency Free registration for Netbanking and AL Habib Mobile No Initial deposit or minimum balance is required No charges on opening, closure and maintenance of account Availability of 24/7 Dedicated Roshan Digital Unit (RDU) Available in Current & Saving account types with both Conventional & Islamic variants Local credits are allowed to the extent of proceeds received from permissible investments Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificate, investment in Pakistan Stock Exchange, property investment etc. Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels Account is fully repatriable Also available in Joint Account Free Life Insurance Monthly Profit Payout on Savings Accounts Free welcome pack delivery globally No deduction of Zakat FCY to PKR Transfer & Bill Payments through internet banking Key Fact Sheet To learn more about Roshan Digital Accout fees & charges, click below to download the detailed KFS Download Current Account KFS Download Saving Account KFS Free Life and Disability Insurance Cover Salient features of the insurance policy are as under Claim is eligible after 30 Days of Account Opening Claims payable on 90 Days of Average Balance in Account Maximum Claim on Accidental Death - PKR 4 Million Maximum Claim on Natural Death / Permanent Disability - PKR 2 Million In a Joint Account, any one of the account holders is covered Age Limit - 18 to 60 Years Basis of Coverage The insurance coverage for each Member shall be equal to the last 90 days’ average balance Maximum Limit of the Roshan Digital Account will be PKR 2,000,000/- based on 90 days’ average balances provided to the insurance company equivalent to PKR using interbank dollar exchange rate. How to Open Roshan Digital Account for Overseas Pakistanis The following steps are required to open the Roshan Digital Account (RDA) in Pakistan: Provide Basic Information. Enter the OTP received on your email address & provide the account opening information. Choose the type of Digital Account: A Foreign Currency Account or a Pak Rupee Account. Upload the documents mentioned in "required documents" and a Live Photo. Receive confirmation in the provided email with a reference number. The account opening confirmation will be emailed within 2 working days. Documents Required for Roshan Digital Account Registration The following scanned documents are required for the registration of AL Habib Roshan Digital Account in Pakistan: Customer CNIC / SNIC / NICOP / POC Customer Passport (first 2 pages, Pakistani and/or foreign / passport of another country) Specimen Signature (scanned on a white page) Proof of NRP status (e.g. copy of POC, visa entry/exit stamps, etc.) Proof of profession and Source of income / Funds (For example: For salaried individuals; employment letter, salary slip or bank account statement & for business persons; business registration document, business letterhead or bank account statement, etc.) Live Photograph Before Getting Started Filling out the account opening form will approximately take 10-15 minutes. After gathering the Required Documents, you will need to scan and upload them. We advise you to read the FAQs to get familiar with the product. You will also need access to a webcam so that your live photo can be captured. You may use the live chat feature in case you need any kind of assistance at any point. All fields are mandatory. You will have to acknowledge the declaration to proceed to the next steps. Disclaimer: Please make sure that you have the latest version of Microsoft Edge, Chrome, or Firefox to avoid any difficulties during the process. Before you start, we advise you to also clear your browser cache/cookies to ensure the application runs smoothly. AL Habib Roshan Digital Account Tutorials Singly Account Tutorial Joint Account Tutorial AL Habib Roshan Digital Account User Guide Please Download The User Guide For Roshan Digital Account Opening Process. Download Now × Disclaimer × Dear Valued Customer, The request for Qurbani is subject to the availability of sacrificial animals with the service provider. The Bank reserves the right to cancel the request based on non-availability of sacrificial animals. Roshan Digital Unit Bank AL Habib Limited Proceed .bannerOverlay:after{ background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.2) 52.00%) !important; } .bgPosBtmLeft { background-position: top right!important; } .mt25{margin-top: 25px !important;} .decimal ul{margin-left:15px;} .decimal ul li{list-style:decimal; padding-left:10px;} .decimal ul li::marker { color: #00a25a; font-weight: bold; }

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;} }

Roshan Pension Plan

Roshan Pension Plan The Roshan Pension Plan is a Voluntary Pension Scheme that aims to provide a personalized and flexible opportunity to fund Roshan Digital Account Holder’s Retirement. The Investment will be managed by a team of Professional Pension Fund Managers. AL Habib Roshan Digital Account Holders can save to maintain financial stability and comfort in the form of steady income after retirement. The Overseas Pakistani Roshan Digital Account Holder can now decide how much to invest in this scheme, and they can continue to invest even while switching jobs. Apply Now Eligibility Criteria AL Habib Roshan Digital PKR Account Holders only Key Features A very flexible savings cum investment plan Desired investment exposure to high yielding assets Facilitates individuals to save systematically for their retirement savings topped with investment returns After reaching retirement age, get monthly income from your accumulated investments or withdraw a lump sum amount Allocation Schemes Contributions allocated among the Units of Sub-Funds as Net Asset Value, as per selected Allocation Scheme: Allocation Scheme Equity Sub Fund Debt Sub Fund Money Market Sub Fund Medium Volatility 40% 50% 10% Low Volatility 10% 60% 30% Lower Volatility Nil 40% 60% Documents Required CNIC Copy of Participant/ POC Business Employment / Other Proof of Income/Fund AL Habib Roshan Pension Plan Tutorial .contentSection.documents-required ul li { margin-top: 35px; margin-bottom: 0; font-size: 1.2rem; padding-left: 25px; } .contentSection ul li { line-height: 1.5; }

Term Deposit

Fixed Term Deposit Salient Features Up to 90% Financing against deposit for PKR only Minimum Deposit required of PKR 25,000 Available in Tenure of 1 month, 2 months, 3 months, 6 Months & 1 to 5 Years Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.00% p.a 3 Months Deposit 8.50% p.a 6 Months Deposit 8.00% p.a 1 Year Deposit 10.50% p.a 2 Year Deposit 8.60% p.a 3 Year Deposit 8.60% p.a 4 Year Deposit 8.60% p.a 5 Year Deposit 8.60% p.a 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 *Expected Rate of Return on deposit effective May 20, 2025. (The Indicative rate of profit on deposit schemes are subject to change) 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

Roshan Qurbani

Electronic Funds Transfer

Electronic Funds Transfer Facility Electronic Funds Transfer facility enables funds transfer between bank accounts, either within the same Bank or to another Bank or financial institution, using alternative delivery channels including ATMs, POS terminals, mobile and internet banking platforms, call center or any other channel approved by the State Bank of Pakistan. Bank AL Habib provides customers the following alternate delivery channels to initiate electronic funds transfer: AL Habib ATM through Debit Card AL Habib Mobile App AL Habib Netbanking Getting Started with Bank AL Habib`s Electronic Funds Transfer Services You need to have a Savings or Current Account in Bank AL Habib along with either a Debit Card or AL Habib Mobile App / Netbanking. EFT Limits Through AL Habib Debit Cards: AL Habib Signature Debit Card Rs 2,000,000/- AL Habib Platinum Debit Card Rs 500,000/- AL Habib Gold Debit Card Rs 400,000/- AL Habib Silver Debit Card Rs 300,000/- AL Habib UnionPay Debit Card Rs 250,000/- AL Habib PayPak Debit Card Rs 200,000/- Through AL Habib Mobile App/Netbanking: Raast P2P / 1-link per day Transaction Limits in PKR Transaction Mode Transaction Limits Any Bank AL Habib Account PKR 4,000,000 Own Account PKR 10,000,000 Any other Bank Account via RAAST PKR 1,000,000 Any other Bank Account via 1-Link (IBFT) PKR 1,000,000 EFT Charges There are no charges for customers who wish to transfer funds from one Bank AL Habib Account to another account within Bank AL Habib. If you wish to transfer funds from your Bank AL Habib account to a Bank Account in another Bank, the charges are as follows: Inter Bank Funds Transfer Free IBFT - Upto Rs. 25,000/- per month / per account. For the additional amount above Rs. 25,000/- per month per account, 0.1% of the transaction amount or Rs. 200, whichever is lower will be charged Error/Dispute/Complaint Reporting Procedures For support, you may contact: Your relationship branch where your Bank Account is maintained Our 24/7 Call Center (+92 21) 111-014-014 (+92 21 32446978 69 for international customers) Through Email via info@bankalhabib.com You may also drop your complaint / suggestion in the Complaint Box available at all Bank AL Habib branches and ATMs Alternatively, you may visit the provided link to submit a complaint, where the entire procedure is outlined for your convenience. Click here Availability of Online Funds Transfer Facility Service Availability: 24/7 Expected Duration for Fund Transfer Instantly, funds transfer on a real time basis. On successful funds transfer a SMS alert will be sent to customer registered mobile number, where available. An email alert along with the SMS alert will be sent to customers registered email address if transfer funds through AL Habib Mobile and Netbanking. Funds Transfer to Member Bank account ADVANCE MICROFINANCE BANK ALBARAKA ALLIED BANK LIMITED APNA MICROFINANCE BANK ASKARI BANK LIMITED BANK ALFALAH LIMITED BANK OF KHYBER BANK OF PUNJAB BANK ISLAMI CITI BANK DUBAI ISLAMIC BANK FINCA FINJA EMI WALLET FAYSAL BANK LIMITED FIRST WOMEN BANK HABIB BANK LIMITED HABIB METROPOLITAN BANK ICBC JS BANK LIMITED KMBL KHUSHALI MICRO FINANCE BANK MCB ARIF HABIB SAVINGS MCB BANK LTD MCB ISLAMIC BANK LTD MEEZAN BANK LIMITED MOBILINK MICROFINANCE BANK NAYAPAY NBP FUNDS MANAGEMENT NRSP NATIONAL BANK OF PAKISTAN SAMBA SILK BANK SINDH BANK SONERI BANK STANDARD CHARTERED BANK BANK MAKRAMAH LIMITED TELENOR MICROFINANCE BANK LTD HBL MICROFINANCE BANK U MICROFINANCE BANK UNITED BANK LIMITED ZARAI TARAQYATI BANK LTD AL MEEZAN INVESTMENTS CENTRAL DIRECTORATE OF NATIONAL SAVINGS (CDNS) CENTRAL DEPOSITORY COMPANY (CDC) DIGITT++ KEENU ONEZAPP PAYMAX SADAPAY TAG .contentSection.bank-list ul li { width: 24%; display: inline-block; vertical-align: top; margin-top: 25px; margin-bottom: 0; padding-right:20px; } .contentSection ul li{ line-height:1.5; } @media only screen and (max-width: 991px) { .contentSection.bank-list ul li { width: 33%; margin-top: 15px; } } @media only screen and (max-width: 767px) { .contentSection.bank-list ul li { width: 100%; } }

Netbanking

Welcome to the New Age Bank AL Habib Netbanking empowers you to manage all your finances with an enhanced platform that makes banking simple and easy. Whether you’re looking to check your balance, pay bills, transfer funds or print statements; our Netbanking and mobile app has got you covered. Netbanking Login Register Now 3 Simple Steps to Start Self-Registration Register online through Netbanking View Process Details Activate Activate your account online through Netbanking View Process Details View Dashboard Perform Transactions Account Services Balance Inquiry Cheque Book Request Cheques in Clearing Change Password Funds Transfer Bill Payment Account Usage Online Self-Registration One-time password for each transaction Multiple Funds transfers Multiple bill payments Digital Statements WHT Certificate Online Stop Cheque Credit Card Services Balance Inquiry Transaction details Credit Card Payment Account Statement Enhanced Security Features AL Habib Mobile and Netbanking is now equipped with a host of new security features in line with State Bank of Pakistan`s security guidelines. These security features are designed to safeguard you against potential digital banking scams and reflect the Bank`s commitment to provide you a safe banking experience. Please note that biometric verification (in-App) is mandatory for you to proceed further, followed by a two-hour security buffer period if you perform any of the following actions on our digital banking platform. You may click on the below mentioned action items to access an info-guide. Self-Registration / Sign-Up New Device Registration Request for a Change/Reset Password Request the Retrieval of Username and Limit Upgrade User Guide for Support To download the User Guide, please Click Here Why is this upgrade important? The two-hour security buffer implemented will give you time to reverse the changes in case the request has not been made by you. To minimize any challenges while accessing your account digitally, we urge you to: Update your contact information with the Bank (registered mobile number/email address) if you intend to travel abroad. Register your new device as soon as possible. Guidelines for New Security Controls How do I Sign Up? Fill in your details to create your ID, after which you must perform your in-App biometric verification. In case of biometric verification failure, you may visit any Bank AL Habib branch or perform your verification through AL Habib Biometric Verification App. What are the steps for Device Registration? For any new device registration, in-App biometric verification will be required. If your biometric verification is unsuccessful, an automated robo-call will be performed for verification, after which, a cooling off period of two hours will be in effect. During cooling off period, you will receive a call back for confirmation from our Call Center. What if I Forgot the Username? If you reset your username through an unregistered device, biometric verification will be required. In case of biometric verification failure, an automated robo-call will be executed. What if I forgot my Password? If you reset password through an unregistered device, biometric verification will be necessary. In case of biometric verification failure, customer will have to contact Call Center for assistance. What happens if I change my Transactional Limits? Debit Card limit management will now be enabled where you can customize limits as per your need, in addition to limit management for Funds Transfer for AL Habib Mobile / Netbanking which was previously available to you. The option to manage daily transactional limits of the Debit Card will be made available for Cash Withdrawal and Purchase (PoS and e-Commerce). Each time you change your AL Habib Mobile / Netbanking transaction limit, a cooling off period of two- hours will be activated. What Does This Change mean for Non-Resident Customers? If you are a Roshan Digital Account holder, you must contact your designated Relationship Managers for performing for biometric verification for Self Registration, or to get your ID unlocked. A robo-call will be received by Roshan Digital Account holders for verification of all changes, including device registration, password and username reset. If you are temporarily based outside Pakistan, you must contact your relationship branch to update your contact number. Minimum Requirement Of Internet Browser For AL Habib Netbanking The new Internet Banking service platform is a world renowned system with best in class features, and is named “Bank AL Habib Netbanking” providing you with more value added services and enhanced security features. Google Chrome Latest Version Mozilla Firefox Latest Version Microsoft Edge Latest Version Apple Safari Latest Version Introducing the AL Habib Mobile Application The new AL Habib Mobile App enables you to easily manage your finances on the go from almost anywhere! With a host of new features it is designed to make your digital banking experience more convenient, quick and secure. What’s new: Multiple Funds Transfers Multiple Bill Payments Instant Stop Cheque Facility Credit Card bill payment of other banks through the 1BILL feature Withholding tax and Balance Certificate Forex Calculators Transaction Based OTP Retrieve User ID by using “Forgot User ID” option without calling the Helpline Set frequent payments as Favourites on the main dashboard If you are an iBanking user Click Here For More Details Click Here To Download the App, head over to the Google Play Store for the Android version OR visit the App store to download the iOS version of AL Habib Mobile. What is Device Binding? Device Binding is a technology that extracts unique properties from the customer`s device to mark it as a Registered Device. It also notifies the customer of access to Net Banking/Mobile Application from an Untrusted Device. Additionally, if a customer marks a Device as a Trusted Device on OTP screen, then the OTP is not required by customer upon logging-in from their Registered Devices in future. Key Features: Device Binding strengthens the security control and protects from real time fraud. Customers may bind more than one device and maximum of three devices as their Trusted Device. When Customer logs in from an Untrusted Device, Alert messages notifies that someone has logged in from an unauthorized device. Auto Read OTP feature is made available to customers, that reads OTP as received through SMS on Android Mobile devices. Trusted Device Guide Tutorial Self-Registration Process × Activate Process × × .fixedImgDynamic.current { background-image: url("files/images/netbanking-Breaker.jpg") !important; } @media only screen and (max-width: 767px) { .fixedImgDynamic.current .px-0.col-lg-8 { z-index: 99; } }

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Download AL Habib Mobile App Now! Experience hassle-free banking with the new AL Habib Mobile app designed to make your digital banking experience more convenient. Manage your finances quickly and securely with a host of new features that provide you with an enhanced user experience. Your feedback is important to us Click Here Plan with us

Anti-Bribery And Corruption Policy

Definitions “Corruption” means abuse of official position for an improper private advantage or gain. “Bribery” means inducing the holder of an official position to act in a corrupt manner, by providing such person or their close relative anything of value in order to obtain or retain business or to reward an improper decision or favour. Explanation: “Anything of Value” extends beyond cash or cash equivalents to include non-cash items and favours as well. Prohibition and Zero Tolerance All employees of Bank AL Habib, whether temporary or confirmed, permanent or contractual, are instructed to carefully note and strictly comply with the following: Values and Code of Conduct of the Bank are totally incompatible with bribery and corruption, which have no place at all at Bank AL Habib. The Bank has Zero Tolerance for any activity involving bribery and corruption. It is strictly prohibited for all employees of the Bank to engage in any activity involving bribery and corruption, in Pakistan or overseas. Employees working in overseas offices of the Bank should familiarize themselves with the applicable anti-bribery and corruption laws and regulations of the respective country, and meticulously comply with the same. This policy should be circulated to all employees of the Bank. It should be brought to the notice of all new employees by Human Resource Division at the time of their joining the Bank. Reporting of Violations: It is the duty of all employees to ensure compliance with this policy. Any violation or suspected violation of the policy noted by an employee should be reported by them as laid down in the Bank’s Policy on Reporting of Violations (“Whistleblowing Policy”) and investigated promptly. As the Bank has Zero Tolerance for violation of this policy, any employee who violates it will be subject to disciplinary action and may also face penalties under the applicable laws and regulations of the country. Records of bribery and corruption related instances should be maintained at Fraud Investigation Unit (FIU) who should arrange to present these to the Audit Committee and the Board for information and review, on semi-annually basis. Review and Amendments The Anti-bribery and Corruption Policy will be approved by the Board of Directors and will be effective from the date of its approval. This policy will be reviewed on annual basis for any amendments.