Project Supervisor

Prof. Riaz Ahmad Mian

Submitted By
Muhammad Zaman E18MBA092
Muhammad Basit Subhani E18MBA077
Arbaaz Habib Khan E18MBA133

Hailey College of Banking & Finance

University of the Punjab
 Acknowledgement

First of all, I thank Allah Almighty who gave me knowledge and strength to
complete my research on Bank Al-Habib Limited
I would like to thank Hailey College of Banking and Finance, University of Punjab
who gave me this opportunity to groom my skills and making me able to complete
to complete this assignment
I would also like to thank to my Professor, Sir Riaz Ahmad Mian for his support
and provide us knowledge and guide us for the completion of this project
I would also like to thank Mr. Tahir Abbas Siddiqui Assistant manager, Area
Compliance for their kind support in this assignment
 Table of Contents

Introduction 4
HISTORY OF THE BANK 4
BOARD OF DIRECTORS 5
Vision 5
Mission 5
Code of Conduct 5
Values 6
Corporate Social Responsibility 6
Credit Ratings 7
Branch Network 7
Awards & Achievements 7
Products & Services 8
Financial Analysis 41
SWOT Analysis 42
PEST Analysis 44
Recommendations 46
Conclusion 47
Introduction
Bank Al-Habib in Pakistan is controlled by Dawood Habib
Group. Bank Al-Habib Limited is incorporated as an open
restricted organization in October 1991 and began its financial
tasks in 1992. The Head Office of the bank is in Multan and its
Principal office in Karachi. The Late Hamid D. Habib was the
Managing director of the Bank Al-Habib Limited. He was before
the Chairman of the Habib Bank Limited. After the Death of Mr. Hamid in May
2000, Mr. Ali Raza D. Habib who was the Director of the Bank Al Habib Limited
was designated as the Chairman of the Bank. The Late Rashid D. Habib was the
Managing Director and CEO of the Bank Al-Habib Limited until he passes away in
1994. After his demise, Mr. Abbas D. Habib who was the Joint Managing Director
of the Bank was selected as the Managing Director and CEO of the Bank and
currently the Chairman of the Bank. Presently, Mr. Mansoor A. Khan is the
present CEO of the Bank

History of the Bank

"Esmail Ali" of Jamnagar, India a little industrial facility in Bombay. In
the times of his battle a child was destined to him. He named him as "Habib Ismail".
He is generally amazing in studies and game. He is making a mind-blowing most in
school and all of a sudden, his father died in 1891. Habib Esmail was just 13 years
of age that time. He at that point, joined his uncle, Cassum Muhammad, the
proprietor of the "KhojaMithaBhaiNathoo", shipper and producer of Brass and
copper utensils. The youthful Habib began with a pay of Rs. 5/ -. Youthful Habib is
prominent for his battle and perfection in his work. At 18 years old, he turned into
the accomplice of "KhojaMithaBhaiNathoo" and President of the Brass and Copper
Merchant Association. In 1921, he began a firm named as "Habib and Sons." His
four children Ahmad Habib, Muhammad Ali Habib, Dawood Habib and Ghulam Ali
Habib went along with him in business. In 1941, Habib Bank was set up. In 1947, on
the production of Pakistan and on the solicitation of Quaid-e-Azam Muhammad Ali
Jinnah, Habib family moved the majority of its business in Pakistan. In 1974, Govt.
chosen to Nationalize every single business bank. Under the Privatization strategy
of Pakistan, Dawood Habib Group was conceded a consent to set up a business
bank named as Bank Al Habib. Bank Al Habib was joined as a Public constrained
organization in October 1991 and began its financial tasks in 1992.
Board of Directors
Sr. # Name Designation Occupation
1 Mr. Abbas D. Habib Chairman Banker
2 Mr. Anwar Haji Karim Director Industrialists
3 Ms. Farhana Mowjee Khan Director Industrialists
4 Syed Mazhar Abbass Director Former banker
Executive Banker
5 Mr. Qumail R. Habib
Director
Former President –
6 Safar Ali Lakhani Director
Soneri Bank ltd.
Former MD & CEO -
Mackinnon
7 Syed Hassan Ali Bukhari Director Mackenzie & co. of
Pakistan
8 Murtaza H. Habib Director Industrialists
Former CEO -
9 Mr. Arshad Nasar Director
OGDCL
Nominee
10 Mr. Adnan Afridi CEO - NITL
Director
11 Mansoor Ali Khan CEO Banker
M. Taqi Lakhani Company Banker
12
Secretary

Vision
TO BE OUR CUSTOMERS' MOST CONVENIENT AND TRUSTED BANK

Mission
TO MAKE BANKING SAFE, SIMPLE, AND PLEASANT

Code of Conduct
This Code of Conduct expects to guarantee consistence with the most
astounding moral and expert principles which have portrayed the Habib's financial
activities throughout the years. The Bank puts the most noteworthy need on its
corporate qualities and its moral and expert norms, and requires consistence
thereto by all executives and workers.

Values
Directors and employees of the Bank will dependably be guided by the
accompanying qualities:
 Respect of People
 Relationship of trust
 Services to customers
 Simplicity in everything
 Culture in ownership
 Communication & Ownership

Corporate Social Responsibility

The Bank is completely dedicated to the idea of Corporate Social
Responsibility and satisfies this duty by taking part in a wide scope of exercises
which incorporate:
 Corporate generosity adding up to Rs. 159.8 million by method for gifts
amid the year for wellbeing, social and instructive advancement and
welfare of under-special individuals
 Vitality preservation, ecological insurance, and word related wellbeing and
wellbeing by confining superfluous lighting, executing tobacco control law
and "No Smoking Zone", and giving a protected and solid workplace
 Business morals and hostile to defilement measures, requiring all staff
individuals to follow the Bank's "Set of accepted rules"
 Consumer Protection assurance measures, requiring exposure of the
timetable of charges and terms and conditions that apply to the Bank's
items and administrations
 Genial staff relations, acknowledgment of legitimacy and execution, and
on-going open doors for learning and development of staff, both at work
and through formal preparing programs
 Work through a straightforward methodology, without segregation based
on religion, position, language, and so on., including work of exceptional
people
Credit Ratings
Pakistan Credit Rating Agency Limited (PACRA) has kept up the Bank's long
haul and momentary element appraisals at AA+ (Double An or more) and A1+ (A
One or more), individually. The evaluations of our unbound, subjected Term
Finance Certificates (TFCs) are AA (Double A) for TFC-2016 and TFC-2018, and AA-
(Double A less) for TFC-2017 (never-ending). These evaluations mean a low desire
for credit chance radiating from a solid limit with regards to opportune
installment of monetary duties

Branch Network
The bank has wide scope of branch organize made up to 725
absolute branches which involves 684 branches (counting 71 Islamic Branches and
3 Overseas Branches, one each in Bahrain, Malaysia and Seychelles) 37 Sub-
branches and 4 Representative Offices, 1 each in Dubai, Istanbul, Beijing and
Nairobi

Awards & Achievements

 "TFP Award 2017" from Asian Development Bank (ADB). The Bank has
gotten Trade Finance Program Award for driving Partner Bank in Pakistan
2017
 "Bank of the Year (Mid-Size Banks) 2017" by CFA Society Pakistan. This is
the 6th time that the Bank has gotten this honor, having gotten it prior for
the years 2009, 2010, 2011, 2012 and 2016
 "The Strongest Bank Balance Sheet in Pakistan, 2013" by The Asian Banker.
This confirmation depends on the quality, liquidity and manageability of the
monetary record in a difficult commercial center.
 "Grant of Recognition, 2010" from International Finance Corporation (IFC)
as the Most Active GTFP (Global Trade Finance Program) Issuing Bank in
Middle East and North Africa for "South-South" Trade. This is the second
continuous year that the Bank got an honor from IFC in acknowledgment of
support in GTFP.
 Products & Services
1. Current Account
1.1 Current Plus Account
1.2 Apna Individual Current Account
1.3 Asaan Current Account
1.4 Asaan Remittance Current Account
1.5 Basic Banking Account
2. Saving Account
2.1 Monthly Saver Account
2.2 Senior Citizen Account
2.3 Young Savers Account
2.4 PLS Saving Account
2.5 Asaan Saving Account
2.6 Asaan Remittance Saving Account
3. Term Deposits
3.1 Special Saver Certificate
3.2 Mahana Munafa Account
3.3 Salana Munafa Account
3.4 Zamanat Account
3.5 Treasurer’s Call
4. Foreign Currency Account
4.1 Foreign Currency Savers Account
4.2 Forex Currency Account
5. Loans
5.1 House Financing
5.1.1 Home Buyer
5.1.2 Home Construction
5.1.3 Home improvement
5.1.4 Home Balance transfer
5.2 Car Finance
5.3 ApniCar
5.4 Prime Minister Youth Business Loan
6. Remittance
6.1 Home Remittance
6.2 MoneyGram
 6.3 Ria Money Transfer
7. E-Banking
7.1 Visa Debit Card
7.2 UnionPay Debit Card
7.3 PayPak Debit card
7.4 ATM Card
7.5 Credit Card
7.6 Internet Banking
7.7 Mobile Banking
7.8 Electronic Fund transfer
7.9 Direct Debit Facility
8. Corporate banking
9. SME Banking
9.1 SBP Refinancing Schemes
9.1.1 Re-Financing facility for modernization of SME
9.1.2 Re-finance & credit guarantee scheme for women entrepreneurs
10. Islamic SME Banking
10.1 Short-term Financing
10.1.1 Al-Habib Islamic Murabaha
10.1.2 Al-Habib Islamic Istisna
10.1.3 Al-Habib Islamic Musawamah
10.2 Islamic Export re-finance facility
10.3 Long-term Financing
10.3.1 Al-Habib Islamic Diminishing Musharakh
10.3.2 Al-Habib Islamic Ijarah
11. Trade Services
12. Cash Management Services
13. Guarantees
14. Agri-Banking
14.1 Al-Habib Kisaan revolving credit scheme
14.2 Al-Habib Kisaan Farm mechanization scheme
14.3 Al-Habib Tube-well finance scheme
14.4 Al-Habib livestock finance scheme
14.5 Al-Habib Godown silos. Cold storage finance scheme
14.6 SBP Re-finance scheme
 14.7 Livestock financing for Nestle dairy farmers
15. Islamic Financing
15.1 Murabaha Finance
15.2 Ijarah Finance
15.3 Diminishing Musharakh Finance
15.4 Istisna Finance
16. Islamic Banking Deposit Scheme
16.1 Al-Habib Current Account
16.2 Al-Habib Saving Account
16.3 Al-Habib Term deposits

1. Current Account
A Current account is that in which you can pull back cash at
whatever point you like. It is a basic record and no premium is paid by bank on
such record. Current record is likewise called Demand Deposits moreover.
1.1 Current Plus Account
A current plus account that meets all business and individual banking needs.
Key Features
 Free Debit Card facility
 Free Online Banking
 Free Mobile banking

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication

1.2 Apna individual Current Account

The item is fundamentally centered around people searching for an individual
record to satisfy all their current financial requirements with accommodation and
host of free offices.

Key Features:
 No minimum balance
  Free Life Insurance*
 Free online banking
 Free Pay order (up to 3 months)
 Free E-statement
 Free Internet Banking

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication
 Kid Registration Certificate/B-Form/Student ID card (For Minor)
 Foreign Citizen living in Pakistan, bore witness to duplicate of identification
bearing legitimate visa or work license

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years

1.3 Asaan Current Account

Habib has presented Asaan Account without hardly lifting a finger of record
opening for the client and a large group of significant worth included
administrations

Key Features:
 Free Life Insurance*
 Account can be opened with Rs. 5/-
 Free internet banking
 Free mobile banking
 SMS alert facility
 Free Debit card facility

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
  National Identity Card for Overseas Pakistanis (NICOP)
 Kid Registration Certificate/B-Form/Student ID card (For Minor)

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years

1.4 Asaan Remittance Current Account

Bank AL Habib "Asaan Remittance Account" offers free, protected, simple and
helpful approach to get Home settlements sent from your friends and family over
the globe. The record offers the accompanying offices.

Key Features:
 No charges at opening or conclusion of record Cash withdrawal
 No minimum balance requirement
 Cash withdrawal limit of Rs. 50,000/- per day
 Fund transfer limit of Rs. 50,000/- per day
 Total credit balance limit of Rs. 50,000/- per day
 Cheque book facility
 Free E-statement
 Free Debit card

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Kid Registration Certificate/B-Form/Student ID card (For Minor)

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 In Case of Joint Account, Any One of the Account-holders will be secured
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
  Age Limit - 18 to 60 Years

1.5 Basic Banking Account

A present record to encourage and give essential financial offices to the general
population. The record can be independently or together worked and gives host
of significant worth included administrations for the client

Key Features:
 Two deposits & two withdrawals are allowed in a month
 No bank charges
 No minimum balance requirement
 Initial deposit for opening of account is Rs. 1,000/-
 Free Debit card
 SMS Alert Facility

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication
 If there should be an occurrence of salaried individual, duplicate of
administration/representative card
2. Saving Account
A Saving account which are useful for those individuals who
have low dimension of salary and funds. Such accounts help in the activation of
the sparing of low dimension of pay. The sum can be pulled back from this record
subject to specific terms and conditions. An ostensible rate of premium is paid by
bank on such records.

2.1 Monthly Saver Account

A Savings Account with special regularly scheduled installment of benefits for
comfort of clients of all age gatherings. The record can be opened by any
individual (single or joint)

Key Features:
 Particular Rate of Profit
 No base or greatest parity requirement
  Profit determined on month to month normal balance
 Profit payout on month to month basis
 No confinements on withdrawals
 Up to 90% financing against store

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication
 If there should be an occurrence of salaried individual, duplicate of
administration/representative card
 Kid Registration Certificate/B-Form/Student ID card (For Minor)

2.2 Senior Citizen Account

A devoted bank account for Senior Citizens matured 60 Years and above (At least
one of the accountholders ought to be of 60 years and above in the event of
shared service)

Key Features:
 No base or greatest equalization necessity
 Profit determined on month to month normal parity
 Up to 90% financing against store
 Free Internet and Mobile financial
 Free Pay Orders/Bankers Checks
 Profit payout on month to month premise
 No limitations on withdrawals
 SMS Alert facility

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication

2.3 Young Savers Account

Bank AL Habib has structured another record uncommonly for you, your own
Young Savers Account
Key Features:
 This is a record for Young Savers of as long as 18 years
 You can open a record with as meager as Rs. 5
 Rate of Return on Young Savers Account is relied upon to be well over the
arrival on typical investment account. The demonstrative rate of profit for
adjusts up to Rs. 500,000 is 9.00% p.a. what's more, 8.75% p.a. on above
Rs. 500,000 on Average Monthly Balance

2.4 PLS Saving Account

A record that deals with your reserve funds with accommodation of everyday
value-based necessities

Key Features:
 No base or greatest equalization requirement
 Monthly and six months to month benefit payout plans
 Profit determined on month to month normal balance
 Up to 90% financing against deposit
 Free Internet and Mobile Banking
 No confinements on withdrawals
 Free Life Insurance*

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Copy of any service charge Proof of pay or compensation authentication
 If there should be an occurrence of salaried individual, duplicate of
administration/representative card

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 In Case of Joint Account, Any One of the Account-holders will be secured
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years
2.5 Asaan Saving Account
A straightforward and simple to open record for occupant Pakistani nationals with
least prerequisites to stretch out advantages of budgetary administrations to
ordinary citizens particularly unbanked/under banked sections of populace.

Key Features:
 Absolute Debit every Month: Rs. 500,000
 Total Credit Balance Limit: Rs. 500,000
 Account can be opened with Rs.5/ -
 Profit determined on month to month normal parity
 Profit payout at regular intervals
 Free Life Insurance*

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Kid Registration Certificate/B-Form/Student ID card (For Minor)

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years

2.6 Asaan Remittance Saving Account

Bank AL Habib "Asaan Remittance Account" offers free, sheltered, simple and
helpful approach to get Home settlements sent from your friends and family over
the globe. With least record opening necessities and an improved one pager
account opening structure, opening and working a record was never this simple.
The record offers the accompanying offices

Key Features:
 This record will be sustained through from Home Remittances from abroad
 No underlying store or least equalization prerequisite
 No charges at opening or conclusion of record
  Cash withdrawal breaking point of PKR 50,000 every day
 Fund exchange utmost of PKR 50,000 every day
 Total Credit Balance Limit of PKR 2,000,000
 Free E-Proclamations
 Preferential rate of profit for your reserve funds 9.0%
 Free Life Insurance*

Documents Required:
 Mechanized/Smart National Identity Card (CNIC/SNIC)
 National Identity Card for Overseas Pakistanis (NICOP)
 Kid Registration Certificate/B-Form/Student ID card (For Minor)

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 In Case of Joint Account, Any One of the Account-holders will be secured
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years
3. Term Deposits
A period store or term store is a store with a predefined time of development
and gains intrigue. It is a cash store at a financial establishment that can't be
pulled back for a particular term or timeframe.

3.1 Special Saver’s Certificate

Special Savings Certificates with a (development time of three years) that offers a
novel speculation open door for little and medium savers to meet their
intermittent money related requirements

Key Features:
 Multiyear Savings Certificate with six regularly scheduled installments of
profit
 The record can be opened by any; Individual (single or joint) like salaried
individual, independently employed etc. Register Partnership concern.
Public and Private Company. Registered trust. Government Body etc.
  Minimum Amount required to put resources into the testament is Rs.
25,000
 Profit will be naturally credited to the client account
 On development of the arrangement client may choose programmed move
over at winning rate
 Expected Rate of Return on stores
 Rate of return applicable:
a) First Year 9.25% p.a. (1st & 2nd Profit payment)
b) Second Year 9.30% p.a. (3rd & 4th Profit payment)
c) Third Year 9.50% p.a. (5th & 6th Profit Payment)

3.2 Mahana Munafa Account

In Mahana Munafa account, you can earn high rate of returns. The key features of
Mahana Munafa account is:

Key Features:
 Least venture of Rs. 25,000
 Residencies accessible 1, 2, 3, 4 and 5 Years
 Benefit will be paid on first working day of each month.
 Monthly benefit payout in client's base record (Current or Saving)
 90% financing permitted against deposit
 Rate of return:
a) 1-year Deposit 10.50% p.a.
b) 2-year Deposit 10.60% p.a.
c) 3-year Deposit 10.70% p.a.
d) 4-year Deposit 10.80% p.a.
e) 5-year Deposit 11% p.a.

3.3 Salana Munafa Account

AL Habib Salana Account is a store account and can be opened with Rs. 25,000. In
the event that the store is encashed before development, benefit will be
determined and paid for the period held at the rate pertinent to Savings Account

Key Features:
 Least venture of Rs. 25,000
 Profit payout at development in client's base account
 90% financing permitted against deposit
  Deposit move over choice available
 Premature encashment choice available

3.4 Zamanat Account

AL Habib Zamanat Account gives your friends and family affirmation to achieve a
fixed objective for instruction, marriage or some other reason.

Key Features:
 Assemble your very own speculation plan with ease
 No charges on untimely encashment
 Free disaster protection for whole arrangement tenure
 Accumulated benefit dependent on bank's PLS Savings rate
 Plan Tenure: Minimum One (01) year and most extreme 20 years
 Total plan limits up to PKR 20 million
 Non-Medical farthest point up to PKR 5 million
 Age utmost: 18 – 60 years
 Insurance benefits:

Permanent Total
Death benefit Accidental Benefit
Disability
Death benefit + 50%
100% sum covered 50% sum covered
sum covered

3.5 Treasurer’s Call

This arrangement is available to Current Deposited Account. Access to such assets
requires just a 24-hour notice. Benefit is determined on an everyday item premise
and credited to your Account month to month. The base rate of return will be
8.75% p.a.

4. Foreign Currency Account

Remote money accounts are opened by bank to hold stores in
outside cash. These are opened just in approved branches.
4.1 Foreign Currency Saver’s Account
A perfect record to gain alluring profits for remote money stores
Key Features:
 Benefit Payable on Monthly Basis
 Free SMS Alerts (On Transaction Equivalent to Rs 25,000 and above)
 Free Cash Handling
 Up to 90% Financing in Pak Rupees
 All Other Conditions of Savings Account apply
 Rate of profit:
a) Below RS. 5,000 0.25% p.a.
b) From 5,000 to 10,000 0.75% p.a.
c) From 10,000 to 25,000 1% p.a.
d) From 25,000 to 100,000 1.25% p.a.
e) 100,000 & above 1.50% p.a.

4.2 Forex Current Account

AL Habib Forex Current Account can be opened with US Dollar, Pound Sterling and
Euro

Key Features:
 No Minimum Balance
 Free Life Insurance*
 Free Cash Handling
 Free Remittances (Three Per Month)
 Up to 90% Financing in Pak Rupees

*Free Life Insurance:

 New Accounts Eligible After 90 Days of Opening of Account
 Claims Payable on the Basis of 90 Days of Average Balance in client account
 Maximum Claim Payable on Accidental Death - Rs. 2 Million
 In Case of Joint Account, Any One of the Account-holders will be secured
 Maximum Claim Payable on Natural Death/Permanent Disability – 1 million
 Age Limit - 18 to 60 Years
5. Loans
An advance is the loaning of cash by at least one people, associations, or
different elements to different people, associations and so forth. The beneficiary
acquires an obligation, and is typically at risk to pay enthusiasm on that obligation
until it is reimbursed, and furthermore to reimburse the primary sum obtained
5.1 House Financing
Lodging Finance item takes into account the financing needs of BAHL
clients/connections and is offered to purchase, improve/redesign, develop private
properties or exchange their current lodging money to BAHL; keeping up tasteful
association with the Bank.
5.1.1 Home Buyer
 The item is offered to people who mean to purchase officially assembled
private property (house or condo) for individual use only
 Minimum Amount PKR 0.3 Million. Most extreme Amount PKR 50 Million or
dependent on the period of property going from 75% to 85% of evaluated
estimation of developed house/loft/land whichever is lower
 Financing will be founded on total compensation
 Least pay necessity for co-borrower will be Rs.30,000/ -, anyway other
credit parameters of the co-borrower will be as of the essential borrower
 Residency ranges from 1-25 years

5.1.2 Home Construction

 This item is stretched out to clients who effectively possess land and need
assets to meet the development cost.
 Minimum salary necessity for co-borrower will be Rs.30,000/ -, anyway
other credit parameters of the co-borrower will be as of the fundamental
borrower
 Least Amount PKR 0.3 Million. Most extreme Amount PKR 35 Million or 100
% of Bill of Quantity (BOQ) or 70% of the development cost and evaluated
land esteem whichever is lower
 Financing under any of the above conditions will be founded on net gain of
the candidate to determine reimbursement capacity
 Tenure ranges from 1-25 years.
 Be that as it may, an Undertaking is to be given by the candidate to finish
the development in 2 years from first payment in all respect.
 Disbursement will be made in tranche rate insightful as per Construction
stage and its expense according to given Bill of Quantity (BOQ).
 Legal prerequisites to be finished by candidate as regarded important by
the Bank's Legal Counsel.
  Reimbursement in equivalent regularly scheduled payments dependent on
the residency of financing (multiyear effortlessness period for development
is likewise included, where just increase is to be serviced)
 Common disbursement stages are as follows:
a) Plinth & Foundation 30%
b) Structure 30%
c) Completing 40%

5.1.3 Home Improvement

 Home improvement is offered to clients who officially possess a built house
and require assets for its improvement/remodel. Just proprietor involved
and empty private properties will be engaged under this section.
 Financing from Rs.300,000 up-to Rs.15 million or up-to half of evaluated
esteem whichever is lower
 Tenure ranges from 1-25 years
 Disbursement made as 1 Bullet Payment in client's record or pay request
for the essential or co-borrower
 Bill of Quantity (BOQ) likewise required
 Property valuation(s) will be produced using an endorsed PBA valuator(s)
on Bank's board.

5.1.4 Home Balance Transfer

 Home Balance Transfer is offered to borrowers who are as of now
benefiting lodging money from different foundations/manages an account
with great reimbursement history.
 Just the remarkable sum will be paid to the discharging bank/organization
or most extreme sum PKR 50 Million whichever is lower.

Eligibility Criteria:
 Must be a Pakistani national
 Existing singular clients keeping up acceptable relationship.
 Least a half year of dynamic association with BAHL.
 BAHL Corporate/Commercial Relationships
 Valid CNIC issued by NADRA (NICOP card holders having organizations/work
in Pakistan might be acknowledged with conditions appropriate).
 The total Debt Burden ought not be over half
Pricing:
 Variable Rate Option for example 1 Year Kibor + 3% With Salary Transfer
(for Salaried Person).
 1 Year Kibor + 3.5% (for without compensation exchange and
Businessmen/SEP)
 Rate amendment on every class will be on advance commemoration

Documents Checklists for Business:

 Financing Application Form totally filled and marked by customer
 3 ongoing international ID measure photos of essential and co-candidate
(assuming any).
 Form CF-1 according to SBP format.
 Proof of being good to go for a long time can be set up through any of the
accompanying reports
 Bank authentication reflecting business element status, client's status and
years in business
 Most recent 3 years' duty documents
 Partnership deed (enlisted and authorized)

Documents Checklist for Salaried Individuals:

 Financing Application Form totally filled and signed
 3 ongoing international ID measure photos of essential and co-candidate.
 Legitimate CNIC of essential/co-candidate (Old NICs won't be acceptable).
 Form CF-1 according to SBP format.
 Latest 3 months compensation slips
 Latest Salary/work testament Last one-year bank articulation; where pay is
being credited

Security:
 Evenhanded Mortgage for BAHL alongside Token or Full Registered
Mortgage; as exhorted by our Legal Counsel
 Life Coverage Insurance and Property Insurance

Charges:
a) Processing Fee: Rs.4,000/-
b) Balloon Payment: 3% as per SOC
 c) Delayed Payment: Rs. 500 per late payment
d) Returned Cheques: Rs. 500 per case
e) Property Valuation: At Actual
f) Lawyer Fees: At Actual
g) Income estimation: At Actual
h) Life & Property Insurance: At Actual
5.2 Cash Finance
The sharpest method for satisfying your own and family needs, while keeping
your reserve funds unblemished. Presently exploit an issue free close to home
credit at the most aggressive rate against your National Savings Certificates, Pak
Rupee/Foreign Currency Deposits and First Habib Cash Fund units.
Key Features:
 Brief and Hassle-Free Processing
 Balance Transfer Facility is additionally available
 No Processing Fee
 Documentation Charges (At Actual)
 No Pre-installment Penalty
 Free E-Statement/Internet Banking Facility

Eligibility Criteria:
 Every Resident Pakistani Individuals, for example, Salaried, Self Employed
and Business Persons
 Satisfactory Credit History

Finance Amount:
 Least Finance sum is Rs. 50,000
 Maximum (90% against PKR Deposits/Encashment estimation of Securities
and 85% on FCY Deposits)

Documents Required:
 ALHABIB CASH FINANCE Application Form
 Duplicate of CNIC
 BBFS
 Most recent compensation slip/Salary Certificate (For salaried individual)
 Ledger Statement for most recent six Months (For Business Person)
 Some other record of pay evidence, if accessible
  As of now Liability assertion according to the endorsed SBP design)

Pricing:
 Financing up to Rs. 5.0 Million Against Bank AL Habib PKR Deposits
 Running Finance: 2.00% over Deposit Rate Term Finance: 1.50% over Deposit
Rate Financing up to Rs. 5.0 Million (Against FCY Deposits and Permissible
Government Securities)
 Running Finance: 2.00% more than 3 Months KiborTerm Financial 1.50%
more than 1 Year Kibor For Financing of over Rs 5.0 Million
 Running Finance: 1.50% more than 3 Months KiborTerm Finance: 1.25%
more than 1 Year Kibor Aggregate Debt Burden
 Half of net discretionary cashflow

5.3 ApniCar
Bank AL Habib APNI CAR-The vehicle financing office which gives you complete
significant serenity through advantageous reimbursement plans

Key Features:
 Free Accident Insurance up to Rs. 500,000
 Financing accessible for Brand New, Used and Imported Cars Minimum Down
Payment for Brand New Cars is 20% and 30% for Imported/Used Cars
 Minimum Financing: Rs 250,000
 Maximum Financing: Rs. 3,000,000/ - for Brand New Cars and: Rs. 1,500,000/
- for Imported/Used Cars Financing period is 1-5 years
 Easy month to month installments
 No Pre-installment penalty
 Also accessible under Islamic Finance (Diminishing Musharakh)

Eligibility Criteria:
 Must be a Pakistani Citizen
 Account Holder of any Bank
 Must be a Salaried person or businessmen

Documents Checklist for Salaried:

 Two late photographs
 Copy of Computerized National Identity Card
  Proof of business, compensation and work involvement of least 1-year
(Salary Slip/Employment Certificate)
 Bank proclamation of most recent a half year

Documents Checklist for Businessmen:

 Two ongoing photographs
 Copy of Computerized National Identity Card
 Acceptable evidence of business
 Bank Statement of most recent a half year

5.4 Prime Minister Youth Business loan

To formalize the belief system of Prime Minister's Youth Business Loan, conspire,
Bank AL Habib is focused on reinforcing the young fellows/ladies business people
of Pakistan by supporting the plan and giving the chances of money related
autonomy through independent work.

Key Features:
 Private venture Loans will center on (but won't be confined to) jobless youth,
particularly taught youth searching for setting up or expanding business
undertakings
 SME Financing (Small Business)
 All Men/Women holding CNIC, matured between 21 to 45 years having an
enterprising potential may apply from the assigned branches, mapped with
their region of living arrangement or business
 Self-Guarantor (where offered security/ardent property is in their very own
name and ought to be esteemed at any rate 1.5 occasions of the advance
sum).
 Business Hypothecation (Stocks, Inventory, Receivables and so on)
 Pricing/Mark Up Rate 6% per annum
 Maximum Up to Rs. 2 Million. Least Rs.0.1 Million
6. Remittance
A settlement is an exchange of cash by an outside specialist to a person
in their nation of origin.
6.1 Home Remittance
Bank AL Habib Home Remittance Division is encouraging abroad Pakistanis around
the world and their friends and family in Pakistan by offering some benefit added
administrations to remitters and recipients under the extraordinary Home
Remittance courses of action
6.2 MoneyGram
MoneyGram has an overall reach through its system of 310,000 nearby specialists
crosswise over 197 nations and domains, giving its clients accommodation and
adaptability. MoneyGram is quick, trusted, secure and an all-around prestigious
approach to get cash everywhere throughout the world from your friends and
family in minutes.
6.3 Ria Money Transfer
Ria is a worldwide pioneer in cash settlements and backup of Euro net Worldwide,
Inc. (Nasdaq: EEFT), with administrations in more than 147 nations and 300,000
areas.
7. E-Banking
It is a technique for banking in which the client conducts exchanges
electronically by means of the Internet.
7.1 Visa Debit Card
This is a Debit card offered explicitly to BAHL accountholders. On the off chance
that you don't have a record, if it's not too much trouble open a record at any part
of Bank AL Habib to get a BAHL Visa Debit Card (Silver or Gold) and begin getting a
charge out of the accompanying advantages.
Key features:
 Global Acceptance
 Convenience
 Supplementary card option
 ATM Cash withdrawal
 Balance Enquiry
 Mini statement
 Global customer assistance services
 Fund transfer across accounts
7.2 UnionPay Debit Card
Bank AL Habib is continually endeavoring hard to give best in class administrations
to its clients. In accordance with this vision, we have presented an all-inclusive
satisfactory item "BAHL UnionPay Debit Card"
Key features:
 Global acceptance
 Convenience
  Supplementary card option
 ATM cash withdrawal
 Fund transfer across accounts
 Balance enquiry
 Mini statement
 International customer support
7.3 PayPak Debit Card
AL Habib are glad to display the BAHL PayPak Debit Card. This Card is legitimate for
residential reason just and must be utilized by entering your PIN on electronic
terminals
Key Features:
 Convenience
 Balance enquiry
 Mini statement
 Nominal Fee structure
7.4 ATM Card
Bank AL Habib is an author part bank of 1 Link, the biggest shared ATM arrange
countrywide, allowing you 24-hour access to your record from any ATMs. This
system will continue extending to give you unmatched and most advantageous
administrations.

7.5 Credit card

A Visa is an installment card issued to clients to empower the cardholder to pay a
trader for products and enterprises dependent on the cardholder's guarantee to
the card guarantor to pay them for the sums in addition to the next concurred
charges.

Key Features:
 Acceptability around the globe
 Up to 3 supplementary credit cards
 Revolving facility
 Convenient payment modes
 24-Hour Call Centre
 Insurance Cover
 Zero Loss Liability
 Lost/Stolen Card replacement
  Cash advance facility
 E-Statements
 Net Banking
 SMS Alerts

Eligibility Criteria:
 Existing individual Account Holders
 Salaried representatives of Corporate Relationships accepting month to
month pay rates in their Bank AL Habib account.
 Self-utilized Professionals and Businessmen
 Age: 21-60 years for salaried customers
 Age: 21-65 years for independently employed Professional and
Businessmen
 Age for Supplementary Card: 18-70 years.
 Minimum Income prerequisite for salaried candidates Rs. 10,000 p.m.
 Minimum Income prerequisite for independently employed Professional
Basic Documents:
 Bank recommended application form
 Copy of Computerized National Identity Card
 Bank Statement Minimum of Six months.
 CF 1 Annexure – subtleties of different offices as of now get from different
Banks/DFIs.
 Credit Shield undertaking, if client selects, for Credit Shield.

Income Documents for Salaried individuals:

 Pay Slip or Certificate ideally marked and stepped by Employer
 Last a half year bank explanation crediting the pay sum.

Income Documents for Businessmen:

 Ownership letter
 Company most recent half year bank articulation.

Income Documents for Partnership:

 Organization deed
 Company most recent half year bank explanation.
Income Documents for Private limited company:
 Organization Articles and Memorandum of Association structure "29 A"
where-in referenced proprietorship stake.
 Company most recent half year bank articulation.

7.6 Internet Banking

The new web Banking administration stage is a widely acclaimed framework with
top tier includes, and is named "Bank AL Habib iBanking " giving you more esteem
included administrations and upgraded security highlights.

7.7 Mobile banking

Bank AL Habib clients would now be able to get to different administrations from
their PDAs by dialing *808# in UFONE USSD Model of versatile banking. With
Mobile Banking, client can direct offer money related and non-monetary
exchanges effortlessly in a safe and verified condition.

Eligibility Criteria:
 PKR Account Relationship only
 ATM/Debit Card
 Active Ufone SIM (no other system can benefit this facility)
 13-digit CNIC by NADRA

7.8 Electronic Fund transfer

This is an administration for exchanging assets between your very own record,
recipient account, any BAHL account and other Bank account by utilizing
ATM/Debit Card and iBanking Service.

7.9 Direct Debit Facility

Bank AL Habib is glad to acquaint the Direct Debit Facility with make charge
installments and portable top-ups simpler for you. When you agree to accept the
administration, this novel and imaginative office sets up programmed repeating
installments for every one of your bills and top-ups from your assigned record
kept up at the branch.

Key Features:
 No enrollment fees
  Save your time as bills are paid automatically
 No holding up in long lines at banks
 Nominal expense of PKR 25/ - just for an effective charge exchange

8. Corporate Banking
Bank AL Habib, Corporate Banking is tied in with everlasting and all-season
connections spinning around solid qualities. Being a business arranged bank
which trusts in cooperating, we generally take a stab at associations dependent
on correspondence and along these lines view ourselves as a bank that the
dynamic and result-situated organizations can identify with.
We give a wide cluster of business arrangements including yet not restricted to
the accompanying
 Working Capital financing
 Trade Financing
 Long-Term Financing offices for new undertakings, extensions and BMR
which additionally incorporates long haul fund office offered by SBP.

9. SME Banking
The SME Division was set up with an expect to give SE and ME
Banking and attempts to deliberately serve this critical fragment. BAHL has
confidence in rearrangements of methodology and decrease in turnaround
time and quality administrations.
Revised Prudential regulations as defined by the SBP
Annual
No. of
Classification Segment Sales Limit
employees
Turnover

SE Up to 50 150 25
ME Trading 51-100 800 200
ME Manufacturing 51-250 800 200
ME Services 51-250 800 200
We offer after offices to the clients:
 Working Capital Financing
 Procurement of Inventory
 Receivable Financing
  Procurement of Machinery

9.1 SBP Re-finance Scheme

9.1.1 Re-Financing facility for modernization of SME
Little and Medium Enterprises (SMEs) assume an essential job in production of
work openings, financial development and neediness decrease.

Key Features:
 Financing Facility is accessible for SMEs borrowers, as characterized in
Prudential Regulations of SBP for SMEs.
 Financing is accessible for neighborhood buy/import of new hardware for
BMR of existing SMEs units and setting up of new SMEs units for buy of
new Generators up-to 500 KVA.
 Financing is accessible just against LCs if there should arise an occurrence of
financing against imported plant and apparatus.
 Financing is accessible to the degree of the C and F estimation of the
imported new plant and apparatus and/or ex-plant/showroom cost of the
new privately made hardware.

Tenure:
The office is accessible for greatest time of ten years including a half year
elegance period.

Mark-Up Rate:
Financing is up to 6% p.a.

9.1.2 Re-Finance & Credit guarantee scheme for Women

Entrepreneurs
So as to improve access to fund in underserved territories of the economy
particularly for the lady’s business visionaries, a renegotiate alongside credit
ensure plot is being propelled for the lady’s borrowers working in the
underserved zones of the nation.

Key Features:
 Financing will be accessible to lady’s business visionaries in the underserved
regions
  Financing under the plan ought to be given to setting up of new business
undertakings or for development of existing ones.

Limit:
Most extreme Rupees one and a half million (Rs. 1.5 Million).

Tenure:
Financing is accessible at increase rate of up to 5 percent for each annum.

Mark-Up Rate:
Most extreme time of five (5) years including a half year effortlessness period.

10. Islamic SME Banking

Bank Al Habib Islamic Banking Division offers various Shari'ah
consistent arrangements with adaptability of decision to provide food the
financing need of SMEs in a protected, straightforward and wonderful way.
10.1 Short-term Financing
10.1.1 Al-Habib Islamic Murabaha
A transient financing office for obtaining of crude materials, and different
resources by Bank and its ahead deal to the client on expense in addition to
benefit premise for the most part with conceded installment.
This item is appropriate for makers, merchants, shippers to obtain/import any
sort of Shariah admissible products (crude/semi completed/got done
with/handling/pressing material and so on).
10.1.2 Al-Habib Istisna
A transient financing office in which the Bank arranges the producer to make
products according to the particular of request. Once Istisna merchandise are
produced, products are conveyed to the Bank. In the wake of taking conveyance,
these products are privately sold/sent out by the client going about as Bank's
Agent and fund is acknowledged through their business/send out continues.
10.1.3 Al-Habib Islamic Musawamah
A Short expression financing office for gathering liquidity necessities of the clients
in which the Bank buys the completed/fabricated products of the client which are
prepared to deal. These products are then conveyed to the Bank. Subsequent to
taking conveyance, these products are privately sold/sent out by the client going
about as Bank's Agent. The account is then acknowledged through their
business/trade continues.
10.2 Islamic Export Re-Finance Facility
AL Habib Islamic Banking Division offers Export Finance Facility under SBP IERF
plan to help send out arranged organizations. Both pre and post shipment offices
dependent on Murabaha and Istisna are accessible at sponsored rates conveyed
by SBP every now and then.
This item accommodates all the remarkable prerequisites of exporters, and is
accessible in both Part-I and Part-II according to the Islamic Export Refinance
Scheme of the State Bank of Pakistan.
10.3 Long-Term financing
10.3.1 Al-Habib Islamic Diminishing Musharakh
The Customer and Bank buy resource in which proprietorship is made together.
The Bank rents its offer to the client and the client buys units (of Bank's
proprietorship in the advantage) at occasional interims. Endless supply of the
considerable number of units, the client turns into the sole proprietor of the
advantage.
This item is reasonable for financing of fixed Assets, for example, for
development/buy of Godown, Warehouse, Storage Unites and Commercial
Properties, Plant, Equipment and Commercial Vehicles (Fleet Financing).
10.3.2 Al-Habib Islamic Ijarah
Ijarah is actually alluded to give something on lease. The Bank utilizes this item for
medium and long-haul financing purposes where the Bank procures the
advantage required by the client and afterward rents it to the client for a fixed
period.
This item is utilized for the financing of Fixed Assets, for example, Plant,
Machinery, Equipment and, Commercial Vehicles.
11. Trade Services
 Specialized help to our clients for all kind of outside exchange business.
 Imports into Pakistan by setting up Letter of Credits (LCs)
 Expand reporter game plans all-inclusive for LC prompting in the recipient's
nations
 Sufficient courses of action to get these LCs affirmed if so required.
 Handle imports on gathering basis
 Financing for the shippers by method for FTR, FIM, FCIF and so on., in
nearby just as remote currencies.
 Facilitate exporters to exhort LCs set up to support them.
 Fare LCs' confirmation
  Purchase of archives (FDBP) exhibited under fare LCs.
 Pre and post shipment financings to the exporters, for example, FEBP, FAPC,
FAFB, FCEF etc.
12. Cash Management Services
Our Cash Management suite of administrations/items is
outfitted towards tending to these business and operational complexities with the
target to streamline an organization's receivables and payables.
With our constant/online branch system of 729 Branches (Inclusive of Sub
Branches and Islamic Banking Branches), strong frameworks and experienced
back office, we can include huge efficiencies in streamlining an organization's
money streams.
13. Guarantee
Upon the solicitation of our clients and against securities and limits
agreed to them subject to endorsement of our Central Bank (whenever required),
we issue Counter Guarantees (SBLCs, Performance Bonds, Bid Bonds and Advance
Payment Guarantees and so forth) to our Foreign Correspondent Banks. Against
Counter Guarantees of Foreign banks, we issue our Guarantees to recipients in
Pakistan.
14. Agri-Banking
Farming segment is a fundamental part of Pakistan's economy as it
gives the crude materials to enterprises down the line and aides in neediness
mitigation. This division contributed 19.8 percent in GDP and it stays by a wide
margin the biggest manager retaining 42.3 percent of the nation's complete work
drive.
As of now the Bank is putting forth following five horticulture financing items to
the cultivating network helping them to meet their money related needs in ranch
and non-ranch parts.
14.1 Al-Habib Kisaan revolving credit scheme
Arrangement of satisfactory and convenient financing backing to cook the interest
for assets of the ranchers/cultivators in gathering their momentary horticulture
creation needs/working capital prerequisites to raise their yields according to SBP
rundown of qualified things is made through this plan
14.2 Al-Habib Kisaan Farm Mechanization Scheme
In perspective on need and to expand effectiveness of the ranchers, mechanical
help to the homestead is fundamental. This plan includes financing for buy of
tractor, tractor-mounted and tractor driven executes/apparatus.
14.3 Al-Habib Tube-well Finance scheme
Keeping in view the shortage of water-backbone of inundated terrains, Bank AL
Habib has offered to fund for establishment of cylinder wells (electric/diesel),
profound turbines, sun-based vitality units, water the executives gear and so on
which help ranchers utilize their restricted water assets
14.4 Al-Habib Livestock Finance Scheme
Domesticated animals are the biggest sub-area contributing 59% to add up to
agribusiness esteem option and comprises about 12% to nation's GDP. Pakistan is
the fourth biggest maker of milk on the planet with an extraordinary potential to
create meat ranch and can have generous offer in the alluring Halal Meat
showcase. So as to help domesticated animals’ ranchers, Bank AL Habib has
propelled this plan, which will empower them to run, grow as well as to give
working capital offices to their domesticated animals/dairy ranches.
14.5 Al-Habib Godown. Silos. Cold storage Finance Scheme
There is an intense lack of legitimate storerooms for items/natural
products/vegetables in the nation. Agribusiness advances for working
capital/development of Godown/storehouses or foundation of cold stockpiles
under horticulture financing is broadened, which clearly encourages the ranchers
to store their produce/crude materials for better cost in the market.
14.6 SBP Re-Finance Scheme
So as to build up the agrarian produce showcasing and upgrade stockpiling limit,
SBP has presented a plan to be specific "Money Facility for Storage of Agricultural
Produce (FFSAP)" to set up storehouses, stockroom and cold stockpiles.
Key Features:
 Buy of new imported and privately fabricated plant and apparatus, gear and
extras thereof, to be utilized in steel/metal/solid storehouses, stockroom
and cold storage.
 Purchase of new generators.
 Up to 65% expense of whole considerate works.

Tenure:
Financing will be accessible for a greatest time of seven years including a most
extreme beauty time of a half year.

Mark-Up Rate:
Financing is accessible at increase rate of 6 percent for each annum.
14.7 Livestock financing for Nestle Dairy Farms
The Bank has made a concurrence with Nestle' Pakistan to give short, medium
and long haul financing offices to dairy ranchers subsidiary with and appropriately
prescribed by M/S. Settle' Pakistan Defiance office is considered for qualified
ranchers, on case to case premise, under our endorsed item "Al Habib Kissan
Livestock and Dairy Development Finance Scheme" against adequate insurance
and money streams.

Key Features:
 Dairy ranchers working with Nestlé since last over 2 years ought to have a
legitimate CNIC/character doc, living/working in the territory for in excess of
five 5 years.
 Candidate must not convey default history with any bank/monetary
foundation.
 Term Finance Facility, for a tenor from 2 to 5 years to buy creatures, animals
and dairy gear/hardware and appropriation/transportation requirement.
 These financing offices are accessible at limited increase rates.
15. Islamic Financing
Islamic banking or Islamic account or sharia-agreeable fund is banking or financing
action that agrees to sharia and its reasonable application through the
advancement of Islamic financial matters
15.1 Murabaha Finance
An agreement between the Bank and a Customer under which the Customer first
buys certain merchandise/products/resources as an Agent of the Bank, and the
Bank in the wake of claiming the merchandise/items/resources pitches it to a
similar Customer by adding certain net revenue to its expense.
Available for:
 Neighborhood buy of Assets/Commodities/Goods.
 Imports under Letter of Credit/Firm Contract.
 Purchase of crude material for exports.
 Local buy of crude materials for generation of Goods/Assets.

Shariah Compatibility:
 Resources must be Shariah compatible.
  All understandings/records endorsed by our certified and experienced
Shariah Advisor and normal observing/checking of Murabaha exchanges by
the Shariah Advisor

Customer’s Guidance:
 Murabaha is constantly took into account new purchases.
 Goods will not be utilized by the Customer before the Murabaha offer and
acknowledgment are signed.
 Rollover in Murabaha isn't permitted. Notwithstanding, new buys can be
made under new Murabaha arrangements.
 Murabaha cost once fixed can't be changed.

15.2 Ijarah Finance

Ijarah is fundamentally the exchange of usufruct of a fixed/tough advantage for
someone else for a concurred period, at a concurred thought. Under Ijarah
understanding the advantage will be given to the Customer on lease for the
period concurred at the season of agreement.

For Vehicles:
 Ijarah understanding and other record endorsed by our certified and
experienced Shariah Advisor.
 Periodical rentals to be fixed by Customer needs at exceptionally aggressive
terms.
 Regular observing and checking of Ijarah exchanges by our Shariah Advisor.

For Machinery & Equipment:

 Rent understandings and different reports endorsed by our certified and
experienced Shariah Advisor.
 Periodical rentals to be fixed by Customer needs at exceptionally aggressive
terms.
 Regular observing and checking of Ijarah exchange by our Shariah Advisor.

15.3 Diminishing Musharakh Finance:

Reducing Musharakh is a type of organization in which one of the accomplice's
guarantees to purchase the value offer of the other accomplice continuously until
the title of the value share is totally exchanged to him. This exchange begins with
the development of an association, after which purchasing and selling of the value
happens between the two accomplices. Reducing Musharakh can be utilized for
plant, hardware, gear, structures and vehicle financing.

Principles:
 Lessening Musharakh (DM) is a type of co-proprietorship in which the
customer and the bank share the responsibility for unmistakable resource in
concurred extent.
 Diminishing Musharakh can be made just in substantial resources.
 Decreasing Musharakh will be constrained to the particular asset(s) and not
to the entire venture or business
 A DM would comprise of the accompanying three stages Creation of joint
proprietorship between the bank and the client
 Renting out by the bank unified offer in the benefit claimed to the client.
 Selling its offer in intermittent portions by the bank to the customer.
 Every single other term and conditions as are fundamental to co-possession,
Ijarah and deal will be satisfied in regard of various stages during the time
spent DM arrangement
 Proportionate offer of the customer and the bank must be known and
characterized as far as investment
 Loss, assuming any, will be borne by the bank and the customer in the
extent of their particular investments
 The measure of intermittent installment would continue diminishing with
buy of proprietorship units by the client.
 Each occasional installment will establish a different exchange of sale

15.4 Istisna Finance

Istisna is an agreement of closeout of indicated item(s) to be fabricated or built. It
is a request to a producer to fabricate a particular ware for the buyer. It is vital for
the legitimacy of Istisna that the cost is fixed with the assent of the gatherings and
that the fundamental determinations of the required things are completely
settled between them.

Availability:
 Assembling of determined item(s).
 Construction of structures, plants, roadways, spans, under Build, Operate
and Transfer arrangements.
  Manufacturing of flying machines, ships, machines, plant/processing plant
and gear.

Shariah Compatibility:
 Merchandise/Material/Specified things that require assembling or
development must be Shariah compatible.
 All understandings/records endorsed by our certified and experienced
Shariah Advisor and ordinary observing/checking of Istisna exchanges is
being finished by the Shariah Advisor.
16. Islamic Banking Deposit Scheme
Islamic Banking Deposits offers a differing scope of
Deposit and Investment related records guaranteeing Shariah consistence.

16.1 Al-Habib Current Accounts

 It is non-benefit gaining account with check book facility.
 ATM, Debit Card and Online Banking offices are available.
 Funds will be utilized for speculations and giving funds to exchange and
businesses on completely Shariah consistent basis.

16.2 Al-Habib Saving Account

 Profits and Losses to be shared according to recommended rules.
 Profits to be paid each half year in January and July.
 Profit to be determined based on weightages, to be reported at occasional
interval.
 ATM, Debit Cards and Online Banking offices are available.

16.3 Al-Habib Term Deposits

 Available in residencies of 3 months, a half year, 1 year, 3 years and 5-years.
 Profit to be paid intermittently or on development according to rules.
 Profit to be shared by an arrangement of weightages, to be declared at
occasional intervals.
 Funds will be utilized for ventures and giving funds to exchange and
businesses on completely Shariah consistent basis.
 Financial Analysis
2018 2017 2016 2015
Total Assets 1,048 Million 919 Million 751 Million 639 Million
Total Liabilities 998 Million 873 Million 708 Million 601 Million
Total Advances 478 Million 339 Million 261 Million 205 Million
Total Investment 414 Million 476 Million 405 Million 354 Million
Total Deposits 796 Million 692 Million 584 Million 516 Million
Share Capital 11 Million 11 Million 11 Million 11 Million
Reserves 14 Million 13 Million 11 Million 10 Million
Profit Before Tax 14 Billion 14 Billion 13 Billion 12 Billion
Profit after Tax 8.4 Billion 8.6 Billion 8.1 Billion 7.4 Billion

Earnings per share 7.57 7.78 7.31 6.66

 SWOT Analysis

SWOT Analysis is a vital arranging technique used to assess the Strengths,

Weaknesses, Opportunities, and Threats associated with a task or in a business
adventure. It includes determining the objective of the business adventure or
venture and distinguishing the interior and outer elements that are favorable and
negative to accomplishing that objective

a) Strength:
The strength of Bank Al-Habib is as Follows:
 ATMs at bank Al Habib are tied down inviting and simple to get to
 Bank Al Habib's image name is itself a quality
 Bank Al Habib have the more than 700 branches in Pakistan.
 They don't devour to much capital on the advertising of their item.
 Appropriate web based financial framework.
 No, an excess of danger of the political condition.
 Adequate liquidity position.
 Habib school’s half concession for the poor people groups
b) Weakness
The weakness of Bank Al-Habib is as follows:
 Bank Al Habib rushes to give credits and cards.
 Difficult application is for applying for a charge card
 No showcasing for the advancement of their advertising.
  They are not high daring individual in business exercises but rather in
business the term is utilized "high hazard high benefit, generally safe low
benefit"
 An excess of poor Self Marketing Department.
c) Opportunities
The opportunities of Bank Al-Habib are as follows:
 Bank Al Habib can likewise search for little record holders
 Bank Al Habib has a chance to converge with some other bank to expand
the quantity of its branches in Pakistan.
 Alluring pay bundles ought to be granted.
 Showcasing office ought to be begun so as to advance the name of Bank Al
Habib.
d) Threats
The threats of Bank Al-Habib are as follows:
 Step by step rivalry is expanding of the extension of the banks as well as
due to the propelling of the new bank in the market for example Barclays.
 Conditions of Pakistan are an extraordinary risk for the presence of the
Bank Al Habib
 An ever-increasing number of banks are propelling their activities in
Pakistan which is increasing competition for the Bank AL Habib.
 The regular banks those having high development rate and high piece of
the overall industry are continually being a danger.
 PEST Analysis

a) Political Factors
The occasions over the most recent few years; the bomb impact of May 28th, 1998
and the subsequent freezing of the FCA's, the presentation that Riba is Un-Islamic,
and an unstable political situation that saw the oust of the Nawaz Sharif routine,
all contributed in featuring the imperative job of government in the nearby
economy.

b) Economic Factors
The Pakistan economy is increasingly controlled economy, at that point one
where advertises powers reign supreme. A few key establishments are expressed
possessed. Accordingly, a discourse of the monetary powers that influence the
private association, for example, bank Al Habib can't overlook the significant
pretended by the government in deciding the condition of the economy. The
greatest pointer of the overwhelming role enjoyed by the administration was
proof when outside cash accounts (FCA's) were solidified on the orders of the
service of money in the wake of blast tests on May 31st, 1998

c) Socio-Cultural Factors
A low sparing society has balanced the tremendous populace advantage this is
delighted in by Pakistan. Also, culture is committed by the religion, and in
Pakistan a critical portion of the populace is loath to acknowledge enthusiasm for
their stores because of the negative religious ramifications of such an act. About
70% of Pakistan's populace depends on country regions, in this manner making it
harder for banks to mobilize their stores inside these locales.

 Habib bunch additionally began an educational system in Karachi for the

cherty reason
 They give the assets to the needy individual on the regular schedule
d) Technological Factors
Banks in the created world have been swinging to overwhelming IT ventures,
which differentiate their items, give reaction times, upgrade availability and
improve client satisfaction. Though putting resources into best in class have
banking arrangement (Fiserv, Kapiti, and so forth) , ATM and POS ( point of deal)
systems, visa, MasterCard, and Amex switches, brilliant cards, telebanking and
now web banking are regular IT interest in the created world, it is presently that
these items and services are increasing quicker acknowledgment in Pakistan.
Bank Al Habib change their innovation in IT part because of the prerequisites of
the present time, before this they have the poor innovation of the IT and un less
gifted individual in that field yet at this time they supplant it with the substantial
establishment of the IT instruments. They procured new expertise employed and
prepared them for the productive and successful work.
 Recommendations
Following are the recommendations which Bank Al-Bank have to improve;
 They ought to improve the showcasing office for the advancement and the
better outcome for the organization
 They should utilize the electronic media habitually for focusing on the
higher class of the customers
 They should support the occasions in Pakistan and furthermore on the
planet for the advancement of the business.
 Bank Al Habib ought to turn out to be speedy to give advances and cards.
 Make Easy methodology for applying for a charge card
 Give more impetuses like rewards extra time pay and so forth.
 Make solid Self Marketing Department.
Conclusion
From the above, we are presumed that Bank Al Habib due very well in the market.
They used the great procedures for achieve of the association objectives and goal.
Bank Al Habib met their spending plan in the year in all respects adequately,
increment the branches in Pakistan real urban communities, and increase the
ATM's system. They utilized the system deals advancement for the advancement
for the advancement of their item in the market, presented the new item in the
market like more youthful savers account and etc.

They utilized the frontal assault in the market for the advancement of their
business in the market like different banks in the Pakistan. They are politically
solid since they have no record of that thoughtful that is affected by the politically
insecurity in the nation. They are too much mindful in giving the credit facility to
the client.

Bank Al Habib is for the most part accentuation on the financing and stores that is
the better for the effective work of the association. They are poor in the IT
division however they are taking care of this issue in last year by introducing
another arrangement of IT, and furthermore train their workers enlist the gifted
representatives for the IT segment. By this execution of the IT division of the Bank
Al Habib is an excessive amount of improved