Bank AL Habib Limited

Your Bank Nationwide

DAWOOD HABIB GROUP is Founder and Sponsor Incorporated as a Public Limited Company in October 1991. Started banking operations in January 1992.

Listed on all Stock Exchanges of Pakistan.

Bank AL Habib Limited

Your Bank Nationwide

AL Habib Financial Services Limited AL Habib Capital Markets (Pvt.) Limited

Bank AL Habib Limited

Your Bank Nationwide

Vision
To be a quality financial service provider maintaining the highest standards in banking practices.

Mission
To be a strong and stable financial institution offering innovative products and services while contributing towards the National economic and social development.

Board of Directors

CEO & MD
Mr. Abbas D. Habib

Bank AL Habib Limited

Your Bank Nationwide

Board of Directors
Names
Ali Raza D. Habib

Designation
Chairman

Occupation
Businessman

Qumail R. Habib
Anwar Haji Karim Shameem Ahmed Hasnain A. Habib Imtiaz Aalam Hanfi

Executive Director
Director Director Director Director

Banker
Industrialist Former President, Askari Commercial Bank Ltd. Industrialist Former Governor, State Bank of Pakistan

Board of Directors
Names
Murtaza H. Habib

Designation
Director

Occupation
Industrialist

Syed Mazhar Abbas

Tariq Iqbal Khan

Director
Director

Former Banker
Chairman NIT & Former Commissioner

Securities & Exchange

Commission of Pakistan(SECP)

Registered Office
126-C, Old Bahawalpur Road, Multan

Principal Office
2nd Floor, Mackinnons Building, I.I. Chundrigar Road, Karachi

Punjab
Sindh Balochistan KPK ICT Azad Kashmir Offshore Total

106
137 7 5 6 2 2 265
Punjab Sindh 51%

3%

2%

2%

1%

1%

40%

Balochistan

KPK

ICT

Azad Kashmir

Offshore

Al Habib has 6 Sub-Branches Sub-branch is an extension of the controlling branch All tasks performed there are done to facilitate customers Except opening of an account

AA+

Long-Term

A1+

Short-Term

Bank AL Habib Limited

Your Bank Nationwide

Bank AL Habib Limited

Your Bank Nationwide

AL Habib Young

Saver Account

Young Savers of up to 18 years opened with as little as Rs. 5/=. Rate of return 10% upto Rs. 500,000 ATM Cards for above 16 years

AL Habib PLS
basis.

Saving Account

Profit is paid on six-monthly

There is No Minimum Balance

requirement The Return Payable is 5.00 % p.a. Free Life and Disability Insurance cover

AL Habib Monthly

Saver Account

Launched from March 01, 2010

Monthly payment of profits for all age groups

Expected Rate of Profit on Minimum Monthly

Balance: @ 5% p.a. Upto Rs. 99,999 @ 8% p.a. Rs.100,000 & Above No minimum or maximum balance requirement

AL Habib Mahan

Munafa Account

Har Maah Munafa Amdani Main Izaafa Al Habib Mahana Munafa Account gives High return reliability and convenience.

opened with an amount of Rs. 25,000/-.

Profit may be drawn through Cheque or ATM at any branch of Bank AL Habib. Free ATM Card 90% financing allowed against deposit.

AL Habib Mahan

Munafa Account

5 Flexible Mahan Munafa Schemes 1 Year Deposit 10.00% p.a.*

2 Year Deposit
3 Year Deposit 4 Year Deposit

10.25% p.a.*
10.50% p.a.* 10.75% p.a.*

5 Year Deposit

11.00% p.a.*

AL Habib Treasurers Just like current account

Call Account

Profit is calculated on a daily

product basis and credited to your Account monthly

AL Habib Treasurers
Deposit Amount On Balances Below Rs. 250,000 On Balances from Rs. 250,000 to 999,999 On Balances from Rs. 1,000,000 to 4,999,999 On Balances above Rs. 5,000,000> On Balances above Rs. 50,000,000 Rate per Annum Nil 1.25% 1.50% 1.75%

Call Account

To be quoted by zonal office

AL Habib Senior

Citizen Account

For Senior Citizens of 60 Years & Above Opened with an amount of Rs. 25,000/ATM Card Profit may be drawn through Check or ATM at any branch of Bank AL Habib.

AL Habib Salana Account

Munafa Milay Saal Kay Saal

Opened with an amount of Rs. 25,000/-

Free ATM Card

90% financing allowed against

deposit. Profit may be drawn through Check or ATM at any branch of Bank AL Habib.

AL Habib Current

Plus Account

AL Habib Current
needs

Plus Acount

A current account that meets all business On maintaining minimum balance Rs. 50,000 . offer various free facilities including: Free ATM Card Free Pay Orders

Free Online Banking

Free Personalized Check Books Free Internet Banking.

Services

Bank AL Habib Limited

Your Bank Nationwide

Services
Online Banking
Payments of Checks.
Cash Receipts. Transfer of Funds through Checks or Cash between

Branches.

Bank AL Habib Limited

Your Bank Nationwide

Services
Safe Deposit Lockers
Safe deposit lockers facilities to customers for safe keeping of their valuables like documents, securities

and jewellery etc

Bank AL Habib Limited

Your Bank Nationwide

Debit Card
Your ATM Card is now also your Debit Card

Your Bank AL Habib ATM Card can also work as a Debit Card at thousands of outlets and shops all over Pakistan, maximum of 25000/= per day.

Bank AL Habib Limited

Your Bank Nationwide

Credit Cards
Your Trust Worthy Companion Low Financial Charges

60% Cash Advance

3 Free Supplementary Cards Free SMS Alerts, e-Statement and Internet Banking

Tele Banking
Round the Clock Banking Anywhere Anytime

Instant access to the information you need Can have access to your account Without going to the bank 24 hours a day, 7 days a week, 365 days a year .absolutely free!

Electronic Funds Transfer (EFT)

Inter Bank and Intra Bank Funds Transfer IBFT Facility added to the existing ATM Card services

Bank AL Habib Limited

Your Bank Nationwide

SERVICE CHARGES
Intra Bank Funds Transfer

Inter Bank Funds Transfer

Bank AL Habib Limited

Your Bank Nationwide

Remittances
Inland Local Remittances Foreign Remittances Facilities 1) Payment Order 2) Demand Draft 3) Mail Transfer 4) Telegraphic Transfer

Life Insurance
"Absolutely Free"

For Saving Accounts Only Age Eligibility 18 to 60 Years

Minimum Balance Requirement Rs. 5,000

Life Insurance
"Absolutely Free"

Natural Death Cover Rs. 1,000,000 (Maximum)

Accidental Death Cover Rs. 2,000,000

(Maximum) Permanent Disability Cover Rs. 1,000,000 (Maximum)

Home Buy
Home Construction Home Renovation

Bank AL Habib Limited

Your Bank Nationwide

Financing from Rs. 500,000 up-to Rs.20

million
Financing period 20 years. Repayment in equal monthly installments

In Billions

2008 2009

144.39

189.28

In Billions

2008
2009

100.19 105.98

In Millions

2008
2009

2,425 2,856

In Billions

2008

177.32
249.81

2009

In Billions

2008

165.69
235.70

2009

In Millions

2008
2009

9,967 12,287

2008
2009

Rs. 3.97 Rs. 4.68

2009

5.59 7.05

Present

Innovative product line Lowest NPL even Less Than 1% Competent, Experienced and Efficient management

More convenient services

Bank AL Habib Limited

Your Bank Nationwide

Less exposure towards consumer and micro finance Underestimating the potential of rural banking

needs
Conservative banking approach Gender Biasism Islamic Banking on experimental basis

Bank AL Habib Limited

Your Bank Nationwide

Immense opportunities in agricultural sector Vast opportunities towards consumer and micro financing

Expansion in the Islamic Banking Branches

Decline in credit due to tight monetary policy Participation of foreign banks

Merger and acquisition

activities Strong Competitors

Conflicts b/w judiciary and government Situation of strain and tension between the political parties

Imposition of new Taxes

External threats

High fiscal and current account deficit Rising inflation pressure Decline inflow of foreign investment Depletion of foreign exchange reserves Erosion of purchasing power

Acute energy crises

Living Standards of People Stave Off Banking Channel High illiteracy Rate Non-Serious attitude

Back-bone of our banking system Focus on the provision of latest

technological products and services

R & D and obsolescence of technology

Explore the consumer and micro financing sector Expand operations in the agriculture sector Expansion in the number of branches Eliminate gender biasism

Bank AL Habib Limited

Your Bank Nationwide