Bank Report

Acknowledgement
All the approbation and admiration is for Almighty Allah the most generous, gracious and beneficent
who is intact source of all the knowledge and wisdom endowed to mankind. All the prayers are forever
in the name of Almighty Allah, who helped us in setting goals and objectives and blessed us to reach the
destination. Without His assistance none is capable of accomplishment.
We are delighted to work for a project like this which gave us to find the pros and cons of our Bank and
other banks in the industry. This will help us to fill or become part in filling the loop holes if any in the
Bank.
We would be doing injustice without mentioning the name of the person who helped us throughout the
project. We think of it as our extreme pleasure to avail this opportunity to express gratitude and deep
sense of obligations to Sir Rauf Iqbal, Sir Khurram Baig, Sir Muhammad Ali and Sir Shaheen Qureshi for
their valuable and unprecedented guidance, untiring help, kind behavior and moral support. So, our
special thanks go to them. We are very Thankful to Sir Savaiz Bukhari (Head TMDD Lahore) for his kind
behavior and professional guidance.
We are highly indebted to Sir Yasar Hassan and Sir Khurram Mehdi for providing us the necessary
information regarding the project and presentation.
Executive Summary
Bank AL Habib was incorporated as a Public Limited Company in October 1991 and started banking
operations in 1992. The Late Hamid D. Habib, grandson of the founder of Habib Group, was the first
Chairman of Bank AL Habib Limited. He was the Director in Habib Bank Limited from 1954 and its
chairman from 1971 until its nationalization.
In a short span of time, the Bank's assets have grown to more than PKR 1 trillion, with a network of 950
branches and sub-branches, a Wholesale Branch in the Kingdom of Bahrain, Seychelles and Malaysia and
Representative Offices in Dubai, Istanbul, Beijing, and Kenya.
This report covers the introduction and products knowledge of three commercial banks of Pakistan.
These three banks include Bank Al Habib Limited, Samba Bank Limited and NBP. We have stated the
introduction of all the banks including their establishment and brief history. It includes comparison of
Deposits, advances branch network, profit, Income, deposit products, consumer finance products and
ADC products of three banks.
We have conducted the SWOT Analysis of Bank Al Habib Limited and stated various strengths,
weaknesses, opportunities, and threats. In the last part, the report contains the overall conclusion of
this project and graphs are added to clearly understand the standing of banks based on figures.
Introduction
Bank AL Habib Limited

Dawood Habib Group, the sponsor of Bank AL Habib Limited has a long track record in banking that
dates back to the 1920s. The Group was among the founder members of Habib Bank Limited and played
a major role in meeting the financial and banking needs of Pakistan. It was nationalized along with other
Banks in Pakistan on January 1, 1974. Under the subsequent privatization policy of Government of
Pakistan, Dawood Habib Group was granted permission to set up a commercial bank.
Bank AL Habib was incorporated as a Public Limited Company in October 1991 and started banking
operations in 1992. The Late Hamid D. Habib, grandson of the founder of Habib Group, was the first
Chairman of Bank AL Habib Limited. He was the Director in Habib Bank Limited from 1954 and its
chairman from 1971 until its nationalization.
After the death of Mr. Hamid D. Habib in May 2000, Mr. Ali Raza D. Habib, who was Director on the
Board, he was appointed the Chairman of the Bank, a position he continued to hold till October 2016.
The Late Rashid D. Habib, who was the Managing Director of Habib Bank Limited from 1953 till its
nationalization, was appointed as the Managing Director & Chief Executive of Bank AL Habib Limited
until he passed away in 1994.
After his demise, Mr. Abbas D. Habib, the Joint Managing Director, and a close associate of Bank AL
Habib since its inception in 1991, was appointed as the Managing Director and the Chief Executive of the
Bank. He currently holds the prestigious position of Chairman of the Board of Directors while Mr.
Mansoor A. Khan has been appointed as Chief Executive effective November 1, 2016
As of March 2022 the total assets of the bank are Rs.1.85 trillion with a network of 1017 branches.
The Long term rating of the Bank is AAA and short term is A1+.
Vision Statement:
"To be our customers’ most convenient and trusted bank."
Mission Statement:
"To make banking safe, simple and pleasant."
Values
Directors and employees of the Bank shall always be guided by the following values:
•Respect for people
•Relationships of Trust
•Service to Customers
•Simplicity in Everything
•Culture of Ownership
•Communication & Cooperation
Brief description of each of the above-mentioned values is given below:
Respect for People
We must treat our colleagues, customers, and all other persons who meet us with utmost respect,
courtesy, and decency.
Relationships of Trust
We must be worthy of the trust of people who work or do business with us. Trust is earned by acting
with honesty, fairness, and prudence in all dealings and in all circumstances. Keeping promises is an
essential element of trust.
Service to Customers
We must provide the best possible service to customers. We should listen to them, anticipate their
needs, solve their problems, and make it easy and pleasant for them to do business with us. We aim for
continuous improvement and innovation in our products, services, and systems.
Simplicity in Everything
We must achieve simplicity in everything we do. These include our products and services, our policies
and procedures, and our way of living and behaving. Simplicity means eliminating all that is wasteful,
complicated, or unnecessary, and keeping paperwork to the minimum.
Culture of Ownership
We must take ownership of our work, personally and as a team. Ownership means willingness to do
whatever it takes to get the job done, instead of waiting for others to act. “It’s not my work” is never an
acceptable response in a culture of ownership.
Communication & Cooperation
We must maintain the best possible communication with colleagues and customers at all levels. Good
listening is essential for good communication. Most effective communication is face-to- face. We aim for
the highest level of cooperation and teamwork among ourselves.
REGISTERED OFFICE
126-C Old Bahawalpur Road Multan
PRINCIPAL OFFICE
Mackinnons Building I.I Chundrigar Road Karachi

NATIONAL BANK OF PAKISTAN (NBP)
National Bank of Pakistan (the Bank) was established on November 09, 1949 under the National Bank of
Pakistan Ordinance, 1949 and is listed on the Pakistan Stock Exchange. The Bank’s Registered and Head
Office is situated at Karachi. The Bank is engaged in providing commercial banking and related services
in Pakistan and overseas. The Bank also handles treasury transactions for the Government of Pakistan as
an agent to the State Bank of Pakistan. The Bank operates 1675 domestic branches in Pakistan and 19
overseas branches (including the Export Processing Zone branch, Karachi). The Bank has a wide local and
international outreach through a network of branches, ATMs, subsidiaries, representative offices,
agency tie-ups and correspondent banking relationships, etc. With a total asset base of PKR 3.85 trillion,
(USD 17.04 billion) and accounting for 13% of total industry assets, the Bank has been designated a
“Domestic Systemically Important Bank” by the State Bank of Pakistan. The long term rating of the Bank
is AAA and short term is A1+.
Vision:
Connecting Opportunities To be the Nation’s leading bank enabling sustainable growth and inclusive
development.
Mission:
We will achieve our vision by subscribing to the qualities captured by the word IMAGINE:
Integrity is the cornerstone of everything we do.
Market leadership is what we aim across all our target sectors
Agility and strategic nimbleness will help us adapt to changing market conditions.
Good governance and transparency Innovation to provide for the customer needs of tomorrow.
Nation building remains our priority.
Employee engagement through a merit-based culture.
Values:
• Institutionalizing teamwork and performance culture.
• Excellence in service.
• Advancement of skills for tomorrow's challenges.
• Awareness of social and community responsibility.
• Value creation for all stakeholders.

Business Description
NBP provides commercial banking services, including modaraba management, broking, leasing, foreign
currency remittances, exchange transactions, asset management and investment advisory facilities.
Furthermore, the bank acts as an agent for SBP, for the administration of administering treasury
transactions on behalf of the Government of Pakistan. It also offers Islamic banking facilities and trustee
services. NBP organizes its activities under the following eight business segments: Corporate Finance;
Trading and Sales; Retail Banking; Commercial Banking; Payment and Settlement; Agency Services;
Assets Management; and Retail Brokerage.
Corporate Finance:
This segment provides underwriting, privatization, merger and acquisition, securitization, research, debt
(government and high yield), equity, syndication and secondary private placement services, as well as
initial public offering (IPO) facilities.
Trading and Sales:

This segment offers fixed-income, equity, foreign exchange, debit, commodity, funding, lending and
repo, and broking services.
Retail Banking:
This segment provides retail and private loans, deposit facilities, banking, trust and estate investment
advisory, merchant/commercial and private label, and retail services.
Commercial Banking:
This segment offers project, export, and trade finance, as well as real estate, factoring, lending,
guarantee, bill of exchange and deposit services.
Registered Office:
NBP
NBP Building
I.I Chandigarh Road
Pakistan, Karachi
Samba Bank Limited
Samba Bank Limited is a majority owned subsidiary of Samba Financial Group of Saudi Arabia. Samba's
vision is to become a household name in Pakistan by winning customer business through high quality
services and innovative products. Samba is focused on building a full-service consumer, corporate,
investment banking and capital markets franchise. Currently, Samba is working to expand its products
and services across the consumer, corporate, investment banking and global markets. Samba has a
highly experienced senior management team capable of ensuring that the bank becomes and remains
one of the top performing financial institutions in Pakistan. The bank has a network of forty (44)
branches in 14 major cities of Pakistan
History of Samba Bank
Subsidiaries and Associates
1955 Citibank opens Jeddah Branch.
1966 Citibank opens Riyadh Branch.
1980 Citibank becomes Saudi American Bank following a Royal Decree. Citibank retains 40%
ownership and manages the bank through a Technical Management Agreement. The remaining majority
shareholding was owned by Saudi.
1984 Samba opens its first international branch in London, UK.
1991 Citibank reduces its shareholding to 30%.
1999 Samba merges with United Saudi Bank creating one of the largest financial institutions in the
Middle East, of which Citibank owned 22.83%.
2002 Citibank reduces its shareholding to 20%.
2003 The Technical Management Agreement with Citibank ends and Samba comes under full local
management on October 31, 2003. To mark this important milestone, the business is officially renamed
Samba Financial Group or Samba - a name that its loyal customers
2004 Citibank sells its last remaining 20% shareholding to local investors.
2007 • Samba acquires a majority stake (68.4%) in Crescent Commercial Bank in Pakistan,
• Obtains a branch banking license to operate in Dubai.
• Samba creates Samba Capital, a new specialized investment house in Saudi Arabia.
2009 Samba Financial Group launches a new Corporate Social Responsibility strategy with a series of
training programs for university and institute graduates to promote their employment opportunities
through comprehensive training courses.
Vision:
To be the most admired bank in Pakistan providing world class service and innovative solutions through
its people and technology, yielding superior returns, and demonstrating responsible corporate
citizenship.
Mission:
To become the most admired bank by:
 Providing world class solutions.

 Our customers by exceeding their service expectations.
 Investing in people by hiring, motivating, and retaining talent.
 Creating sustainable value through growth and efficiency of all stakeholders.
 Delivering superior returns to our investors.
 Benefiting the communities in which we operate.
Core Values
To become the most admired bank by:
 Meritocracy
 Equal Opportunity
 Respect & Dignity
 Integrity
 Teamwork
Deposit comparison
Deposits and Other Accounts in Local Currency and Foreign Currency as on 30-03-2022
Local Currency Foreign Currency

(Rupees in 000)
BAHL NBP Samba BAHL NBP
Customers
Current deposits 482,591,11 453,732,174 15,256,954 47,938,091 135,807,542 5,782,
0
Savings deposits 336,470,96 640,472,511 15,204,849 49,344,595 100,279,615 3,485,
1
Term deposits 213,483,33 363,243,330 33,483,973 43,372,240 81,409,022 2,729,
8
Current deposits- 141,021,14 492,558,978 4,396,304 - -
remunerative 7
Others 17,278,026 80,048,789 797,214 7,969,086 4,627 -
Financial
institutions
Current deposits 3,351,257 256,781,097 724,159 433,426 2,144,885 1,801
Savings deposits 5,976,792 12,807,154 3,574,797 19 - -

Term deposits 5,14,189 7,619,921 - 211,917 5,994,924 -
Current deposits- 12,405,275 - 736,770 - -

remunerative
Others 14,830 1,639,439 1,085,786 - 1,846 -

The following table below shows comparison of total deposit ( Local and Foreign Currency).
BAHL NBP SAMBA BAHL to NBP BAHL to

SAMBA
Customers
Current deposits 530,529,201 -10% 2422%
589,539,716 21,039,110
Savings deposits 385,815,556 -48% 1964%
740,752,126 18,690,178
Term deposits 256,855,578 -42% 609%
444,652,352 36,213,045
Current deposits- 145,417,451 - -
remunerative
Others 25,247,112 80,053,416 - -68% -
Financial
institutions
Current deposits 3,784,683 258,925,982 725,960 -99% 421%
Savings deposits 5,976,811 - -

Term deposits 726,106 13,614,845 -95% -
Current deposits- 13,142,045 -

remunerative
Others 14830 1,641,285

Total 1,385,494,543 2,129,179,722 7,668,293
Interpretations of Deposit
Current Deposits
The current deposit portfolio of Bank al Habib is 10% less and 2422% higher as compared to NBP and
Samba Bank respectively. In case of branches to deposit ratio and customer portfolio NBP has less
current deposit as compared to Bank al Habib which is a positive thing for Bank al Habib.
Savings Deposits
The savings deposit of Bank al Habib is 48% less and 1964% higher as compared to NBP and Samba Bank
respectively. In case of branches to deposit ratio and customer portfolio Bank al Habib as less saving
deposit as compared to NBP.
Term Deposit
The term deposit of Bank al Habib is 42% lesser and 609% higher as compared to NBP and Samba Bank
respectively. In case of branches to deposit and customer portfolio Bank al Habib has less saving term
deposits as compared to NBP. It shows that Bank al Habib is focused on short term advances and NBP is
focused on Long term advances.
Advances comparison as on 30-03-2022

The table below presents with the Advances comparison as on 30-03-2022 of Bank al Habib, National
Bank of Pakistan and Samba Bank Limited.
Performing advances Non-Performing advances (Rupees in 000)
BAHL NBP SAMBA BAHL NBP SAMBA
Loans, cash credits, 610,652,859 1,114,542,310 80,017,852 7,148,517 190,245,593 84,693,698
running finances,
etc.
Islamic financing 94,007,303 44,127,258 - 407,398 703,107 -
and related assets.
Net investment in - 40,612 - - 28,944 -
finance lease
Bills discounted and 48,125,058 19,912,730 514,542 220,810 13,334,522 562,009
purchased.
Advances - gross 752,785,220 1,178,622,910 80,532,394 7,776,725 204,312,166 85,255,707

Provision against
advances
– Specific - - (6,701,901) (180,445,749) (3,882,761)
– General as per (400,890) - - - -
regulations
– General (5,750,000) 14,326,557 (197,579) - - (195,770)

– As per IFRS 9 in (495,606) - - - -
overseas branches .
(6,646,496) (14,326,557) (197,579) (6,701,901) (180,445,749) (4,078,531)
Fair value -
adjustment
Advances-net of 746,138,724 1,164,296,353 80,334,815 1,074,824 23,866,416 81,177,176
provision.
Advances as on 30-03-2022 in Total

This table shows total advances( Performing + Non performing) of the banks
BAHL NBP SAMBA

Loans, cash credits, running finances, etc. 617,186,178 1304,787,903 84,454,266
Net Investment in Finance Lease - 69,556 -
Islamic financing and related assets 94,414,701 44,830,365 -
Bills discounted and purchased. 48,345,868 33,427,252 530,036
Advances – gross 759,946,747 1,382,935,076 84,984,302
Provision against advances
– Specific (6,701,901) (180,445,749) (3,957,528)
– General as per regulations (400,890) - -
– General (5,750,000) (14,326,557) (197,579)
– As per IFRS 9 in overseas (495,606) - -
(13,348,397) (194,772,307) (4,155,107)
Fair Value Adjustment -
Advances-net of provision 746,598,350 1,188,162,769 80,829,195
(Rupees in 000)
The below table shows percentage difference of Bank al Habib as compared with NBP and Samba Bank.
BAHL to NBP BAHL to SAMBA

Loans, cash credits, running finances -53% 631%
etc.
Islamic financing and related assets 111% -
Advances – gross -45% 794%
Advances-net of provision -37% 824%
Interpretations of Advances
Loans, Cash credit, Running finance
The advances of Bank al Habib in this category are 53% lesser and 631% higher as compared to NBP and
Samba Bank respectively. Due to higher branch ratio NBP has offered more in this category to both
banks.
Islamic financing and related assets
The Islamic financing of Bank al Habib is 111% higher than NBP. This shows that Bank al Habib is
completely focused on Islamic Banking along with conventional which is requirement of SBP. Samba
Bank has no focus on Islamic Banking in Pakistan currently.
Advances-Gross
The gross advances of Bank al Habib are 45% lesser and 794% higher as compared to NBP and Samba
Bank respectively. Due to higher number of branches and being one of the oldest bank in Pakistan NBP
has higher deposits and so higher advances. In case of Samba Bank Bank al Habib as 8 times greater
lending.
Advances-net of provision
The net advances after deducting provisioning of Bank al Habib are 37% lesser and 824% higher than
NBP and Samba Bank. It means that provisioning of NBP as compared to advances is very high and this is
a negative thing for NBP. On the other hand, Bank al Habib has very low provision of advances. It further
clarifies that Bank al Haib has a very low Customer default ratio due to strong credit policies.
Branch network Comparison
Branch network - Bank AL Habib Limited.
The Bank operates with a network of total 1017 branches including 29 sub-branches,04 representative
offices and 03 booths. The branch network of the Bank includes 02 overseas branches and 142 Islamic
branches.
Branch network –National Bank of Pakistan
The Bank operates 1,675 branches in Pakistan and 19 overseas branches(including the Export Processing
Zone branch, Karachi).
Branch Network- Samba Bank.
The Bank operates 44 branches inside Pakistan.

Comparison of profits as on 30-03-2022
The table below presents with the Comparison of profits as on 30-03-2022 in between Bank Al Habib
Limited , National Bank of Pakistan and Samba Bank Limited.
The Table below demonstrate the in-detail comparison of three banks with following comparisons
1. Net Mark-Up / Interest Income.
2. Total Non-Mark-Up / Interest Income.
3. Total Income.
4. Operating Expenses.
5. Total Non-Mark-Up / Interest Expenses.
6. Profit Before Taxation.
7. Profit After Taxation.
8. Total Comprehensive Income.
a) Mark-Up / Interest Income is the mark up earned on the advances.
b) Non-markup income is bank and creditor income derived primarily from fees including deposit
and transaction fees, insufficient funds fees, annual fees, monthly account service charges,
inactivity fees, check, and deposit slip fees, and so on.
c) An operating expense is an expense that incurs through a normal business operations.
d) Profit After Tax refers to the earnings of a business after the income taxes are deducted. It is
often seen as the final amount of profit made by a business and its best ability to generate a
return. PAT incorporates operating income and income from other sources, including interest
income
BAHL NBP SAMBA
Mark-up / return / interest earned 34,195,584 79,203,607 4,439,715
Mark-up / return / interest expensed (18,171,539) 53,412,315 3,353,679
Net mark-up / interest income(1) 16,024,045 25,791,292 1,086,036
NON-MARK-UP / INTEREST INCOME
Fee and commission income 2,780,742 4,664,399 103,822
Dividend income. 380,872 883,242 20,978
Foreign exchange income / (loss) from 585,043 2,094,921 186,404
derivatives
Gain / (loss) on securities – net 185,550 100,146 17,483
Other income. 226,721 350,362 4,107
Total non-mark-up / interest income.(2) 4,158,928 8,093,070 332,794
Total income.(1+2) 20,182,973 33,884,362 1,418,830
NON-MARK-UP / INTEREST EXPENSES.
Operating expenses (11,677,266 ) 16,732,836 941,711
Worker’s welfare fund (167,033 ) - 8,800
Other charges (251 ) 21,678 1,303
Total non-mark-up / interest expenses (11,844,550 ) 16,754,514 951,814
Profit before provisions 8,338,423 17,129,848 467,016
Reversals / (provisions) and write offs – net (153,785 ) (1,069,006) (61,670)
Extra ordinary / unusual items - - -
PROFIT BEFORE TAXATION 8,184,638 16,060,842 405,346
Taxation (3,221,589 ) 6,223,398 (161,339)
PROFIT AFTER TAXATION 4,963,049 9,837,444 244,007
Basic and diluted earnings per share 4.47 4.62 0.24
Profit and Loss Account as on 31 March 2022. (Rupees in 000)
Comparison of Profit and Income (Services&Markup) as on 31

March 2022.
BAHL to NBP BAHL to SAMBA

Net Mark-Up / Interest Income. -38% 1375%
Total Non-Mark-Up / Interest Income. -49% 1149%
Total Income. -40% 1322%
Operating Expenses. -30% 1140%
Total Non-Mark-Up / Interest Expenses. -29% 1144%
Profit Before Taxation. -49% 1919%
Profit After Taxation. -50% 1933%
Interpretations
Net Mark-up/ Interest Income
The markup income of Bank al Habib is 38% lesser and 1375% higher as compared to NBP and Samba
Bank respectively. As compared to deposit the interest income of Bank al Habib is higher than NBP. It
means that Bank al Habib is lending funds and investing in efficient as compared to NBP and Samba Bank
which is a positive thing for the bank.
Total Non-Mark-Up / Interest Income
The non-markup income of Bank al Habib is 49% lesser and 1149% higher than NBP and Samba Bank
respectively. The non-markup income of Bank al Habib is not so much efficient as compared to markup
income which means that Bank al Habib is lenient in extra charges to customers which are a part of Non
markup income which further means that Bank al Habib takes care of its customer the most.
Total Income
The total income of Bank al Habib is 40% lesser and 1322% higher as compared to NBP and Samba Bank
respectively.
Operating Expenses
The operating expenses of Bank al Habib are 30% lesser and 1140% higher as compared to NBP and
Samba Bank respectively. It means that expenses of Bank al Habib are a little bit higher when compared
with deposits.
Total Non-Mark-up/ Interest Expenses
The interest expenses of Bank al Habib are 29% lesser and 1144% higher as compared to NBP and Samba
Bank respectively. If we compare interest expenses of Bank al Habib with interest income of all banks
then we conclude that expenses are lesser than income so this is a positive thing for all banks.
Profit Before Taxation
The PBT of Bank al Habib is 49% lesser and 1919% higher as compared to NBP and Samba Bank
respectively.
Profit after Taxation
The PAT of Bank al Habib is 50% lesser and 1933% higher as compared to NBP and Samba Bank
respectively. It reveals the net efficiency of a bank. The PAT of NBP is almost double of Bank al Habib and
it means that Bank al Habib has to work more to decrease its expenses and grab more deposit to lend
them.
In case of Samba Bank al Habib has earned almost 20 times more net profit.
Samba bank is one of the smallest bank in Pakistan with only 44 branches and limited services so in
every aspect Samba Bank is far away from Bank al Habib and NBP.
Non performing Loans (NPL’S) Comparison
The table below presents with the Comparison of NPL’S as on 31-03-2022 in between Bank Al Habib
Limited, National Bank of Pakistan and Samab Bank Limited.
Non performing loans of the bank are divided into 3 catogories.
1. Substandard
2. Doubtful
3. Loss
Provisions are done against these NPL’s according to the category through rescheduling and
restructuring as per SBP’s Prudential Regulations.
NPL’S as on 30-09-2021
Rupees in '000'
Non-performing loans Provisions
BAHL NBP SAMBA BAHL NBP SAMBA

Domestic
Other assets 65,813 5,705,673 - 796 122,309 -
especially
mentioned
Substandard 812,903 7,199,174 276,064 199,229 1,574,386 69,773
Doubtful 643,767 17,806,928 497,200 314,022 8,901,635 249,500
Loss 4,097,754 125,321,225 3,678,644 4,031,366 123,244,230 3,368,225
Total 5,620,237 156,033,001 4,451,908 4,545,413 133,842,559 3,957,528
Interpretations of NPL’s
Other Assets especially mentioned (OAEM)
OAEM is classification of non-performing loans in Small enterprises (SE) category. Bank al Habib is the
only bank in this comparison which finances small enterprises. NBP and Samba bank has no financing in
SE’s. This is an edge of Bank al Habib over these two banks.
Substandard
Substandard loans are those which are overdue by 90 days. Bank al Habib has very few substandard loan
as compared to advances. In case NBP the ratio of substandard loans as compared to advances is high
which is not good for the bank. In case of Samba Bank, the ratio of substandard loans is also high as
compared to its advances, same as the case in NBP. So, it is concluded that Bank al Habib is very safe in
terms of lending due to its efficient credit policies.
Provisioning done for substandard debts is 25% as per SBP’s Prudential Regulations.
Doubtful
Doubtful loans are those which re overdue by 180 days. Bank al Habib has a low ratio of doubtful loans
as compared to its advances. In case of NBP the ratio is higher as compared to its advances and similar in
the case of Samba Bank. Doubtful loans are alarming situation for banks as the customer is near to
default and the bank must take adequate measures to reschedule or restructure the debt timely.
Provisioning done for doubtful debts is 50% as per SBP’s Prudential Regulations.
Loss
Loans classified as loss are those which are overdue by 1year and 6months( in case of Trade bills). Bank
al Habib also has a very low ratio of loans classified as loss and this reveals the truth of strong credit
measurements of bank. In case of NBP and Samba Bank the ratio is higher as compared to their deposits
respectively. Loan classified as loss means that customer has defaulted completely.
Provisioning done for loans classifies as loss is 100% as per SBP’s Prudential Regulations.
Deposits Products of Bank Al Habib
Non-Checking Deposits:
• Term deposit
• 1-month Term Deposit
• 3-months Term Deposit
• 6-months Term Deposit
• 1-Year Term Deposit
• 3-Years Term Deposit
• 5-Years Term Deposit
• Mahana Munafa Term Deposit
• Salana Munafa Term Deposit
Profit Rates :
• 1 Month Deposit 13.75% p.a

• 3 Months Deposit 14.00% p.a
• 6 Months Deposit 14.25% p.a
• 1 Year Deposit 14.60% p.a
Checking Deposit Account
Armed Forces Pensioner Current
AL Habib Armed Forces Pensioner Account” facilitates Armed Forces personnel to receive pension funds
timely and conveniently. The Account is being offered with host of free and value-added services.
Key Features :
• Free Paypak Debit Card (Default)
• Free Cheque Book
• Free Internet Banking / Mobile Banking
• Free e-statements
• Individual single account only
• No minimum balance requirement
• No charges on opening and closure of account
• SMS Alerts Facility
• Banker’s Cheques Facility (Pay Orders)
• Online Banking Facility
• Rate @12.50%
Current Account Account Type: 0081
Meet your regular banking needs with freedom AL Habib Current Account is Pak Rupees non-
remunerative account specially designed for the customers who are looking for their day to day banking
needs. This account offers transactional freedom to both individuals and businessmen who have
frequent transactional needs and funds accessibility requirement.
Key Features :
• No Minimum Balance Requirement
• SMS alert facility
• Free Mobile / Internet Banking
• Free e-statement
• PayPak Debit Card (Default)
Pensioner's Current Account Type
Current A/C - 0117 Saving A/C – 0870
Your banking partner, in retreat. AL Habib Pensioners Account” is specially designed for pensioners to
facilitate them in receiving their pension funds after retirement. The account assist pensioners carry out
routine transactions from their current account with a host of free waivers which helps them save their
routine transactional costs.
Key Features :
• No Initial deposit or minimum balance requirement
• No charges on opening and closure of account
• Free ATM/Debit Card (PayPak)
• Free Standing Instruction Charges
• Free Internet & Mobile Banking
• Banker’s Cheques Facility
Basic Banking Account
Account type : 0119
Helping you open your basic bank account. A current account to facilitate and provide basic banking
facilities to the people. The account can be singly or jointly operated and provides host of value-added
services for the customer.
Key Features :
• No minimum balance required
• No services charges on account
• Statement of account to be dispatched once a year
• Cheque book facility

• Initial deposit for account opening Rs. 1,000/-
• Two deposit and two withdrawals by cheque (cash or clearing) are allowed free of charge
Asaan Current
Account Type:
Current A/C - 0048 Saving A/C - 0047
Asaan Current Account is a special account for Pakistani nationals who do not have a Bank account. Easy
to open, all you need is your CNIC and as little as PKR 5/- and enjoy a host of value-added services.
Key Features :
• Debit Balance Limit of Rs. 1,000,000/-
• Total Debits per month of Rs. 1,000,000/-
• Free Life Insurance
• SMS Alert Facility
• Free e-statements
• Free PayPak Debit Card (Default)
• Account can be opened with Rs.5/- only
Apna Current
Account Type: 0095
Banking convenience with free insurance for peace of mind Bank AL Habib Apna Individual Current
Account is a personal account that fulfills modern day banking needs of segments of society which may
include professionals, employees, farmers, self-employed, and students across the board.
Key Features :
• Bankers Cheques (Upto three per month)
• Free E-Statement
• Free AL Habib Mobile and Net Banking Facility

• Online Banking
Asaan Remittance
It’s a Free, Safe and Easy way to receive remittances Receive money from your loved ones abroad
directly into your account with Bank AL Habib Asaan Remittance Current Account. Account can be
opened with a one-page simplified account opening form. Only individuals (Joint/Single) can open this
account.
Key Features :
• For receiving Home Remittances from abroad only
• No initial deposit or minimum balance requirement
• No charges at opening or closure of account
• Cash withdrawal limit: PKR 50,000 per day
• Fund transfer limit: PKR 50,000 per day
• Total Debit Balance Limit: PKR 2,000,000
• Free e - statements
Zamanat Account
• Claims payable on last 90 days of average balance in customer account
• New account eligible after 90 days of opening of account
• Maximum claim payable on accidental death - PKR 2 Million
• Maximum claim payable on natural death/permanent disability - PKR 1 Million
• In case of joint account, any one of the account holders will be covered
• Admissible age limit of claim - 18 to 60 years

Current plus Account Type: 0981
Flexibility of transactions plus more benefits Bank AL Habib Current Plus Account meets all your
business-related and individual needs for convenient secure banking.
Key Features :
• Personalized Cheque Books
• Banker’s Cheques
• Free E-Statement
• Free AL Habib Mobile and Net Banking Facility
• Online Banking
Monthly saver
Account Type: 0078
Let your savings add to your monthly income
Let your savings add to your monthly income with Bank AL Habib Monthly Saver Account with profits
paid every month.
Enjoy the exclusive benefits
Key Features :
• Rate of Profit 12.35%p.a
• On Average Monthly Balance applicable from Oct 1, 2021. (The Indicative rate of profit is
Current and subject to change)
• Profit may be drawn through Cheque from any branch of Bank AL Habib or ATMs nationwide.
• All other conditions including Zakat & Taxes for Savings account are applicable.
AL Habib Senior Citizen PLS Saving Account
Account Type: 007
Bank AL Habib Senior Citizen Account extends special benefits to individuals aged 60 Years & above. For
Joint Accounts, at least one account holder should be 60 years or above.
Key Features :
• Rate of Profit is 12.50% p.a.
• On Average Monthly Balance applicable from Oct 1, 2021 (The rates of profit are Current and
subject to change).
• All other conditions including Zakat & Taxes for Savings Account are applicable.
AL Habib Young Saver Account Type: 0070
It’s never too early to start saving! Bank AL Habib Young Savers Account is for children under 18 years of
age. It is especially designed to allow parents to save for their children’s future. Being part of the process
is fun for kids and teaches them financial discipline from a young age.
Key Features :
• Savings grow at designated Rate of Return on monthly average balance
• Up to PKR 500,000 @ 12.50% p.a
• Above PKR 500,000 @ 12.25% p.a
• Applicable from Oct 1, 2021. The Indicative rate of profit is current and subject to change.
• Profit would be subject to Zakat, Withholding Tax and other Government Levies unless
exempted.
• EMV Debit Card Transaction Limits
• ATM Cash Withdrawal PKR 3,000 Amount / per day (PKR)
• POS (Point of Sale) Transaction PKR 3,000 Amount / per day (PKR)
• Nominal Fee Structure
• Card Replacement Fee PKR 300
PLS Saving Account
Account Type: 0071
While you save, we provide cover to your life
While you save, we provide cover to your life. An account that manages your savings with convenience
of day to day transactional needs.
Key Features :
• 12.25% p.a. On Average Monthly Balance. (Applicable from Oct 1, 2021. The Indicative rate of
profit is current and subject to change).
AL Habib Mahana Munafa Account:
• Boost your monthly income
• AL Habib Mahana Munafa Account lets you earn high profits when you keep your savings for a
fixed term. No more temptation to use the principal, just enjoy the monthly profits.
Key Features:
• Mahaha Munafa Account can be opened with PKR. 25,000/-.
• Profit paid on the 1st working day of each month.
• Up to 90% financing available against deposit.
• Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested.
• Profit may be drawn through Cheque at any branch of Bank AL Habib or ATMs nationwide.
• Option available for premature encashment.
• 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.
Treasurer's Call Account
Account Type: 0118
Let your idle funds earn for you
Bank AL Habib Treasurer’s Call Account earns handsome profits on funds lying idle with Corporate
Societies, Trusts and even Individuals.
Key Features:
• Treasurer’s Call assures liquidity at 24-hour notice
• Open to Current Deposited Account.
• Access to funds requires only a 24 hour notice.
• Profit calculated on a daily product basis and debited to your account monthly.
• Rate of return is calculated on daily average balance which is subject to change.

AL Habib Salana Munafa Account
Augment your yearly income Bank AL Habib Salana Munafa Account lets your earn high profits when you
keep your savings for a fixed term. So no more temptation to use the principal, just enjoy the annual
profits.
Key Features :
• Minimum investment of PKR, 25,000/-.
• Up to 90% financing available against deposit.
Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. If the
Term deposit is encashed before completing the tenure, the profit on the broken period/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.
Foreign Currency Saver
Acccount Type: USD-0112, EUR-0114, GBP-0113
Ease of savings in foreign currency
Bank AL Habib offers saving accounts in major foreign currencies i.e. US Dollar, Pound Sterling and Euro
and lets you earn monthly interest.
Key Features :
• Profit Payable on Monthly Basis
• Free SMS Alerts (On Transaction Equivalent to PKR 25,000 & above)
• Free Cash Handling
• Free Collection of Outward Foreign Cheques
• Free Remittances (Two Per Month)
• Free e-statements / Internet Banking
• Up to 90% Financing in Pak Rupees
• All Other Conditions of Saving Accounts apply

Forex Current:
Acccount Type: USD-1138, EUR-1140, GBP-1139
Ease of transactions in foreign currency
Bank AL Habib Forex Current Account allows Pakistani based accounts to be opened with US Dollar,
Pound Sterling, Euro and Yuan with No Minimum Balance requirement
Enjoy the exclusive benefits.
Key Features :
• Free Life Insurance.
• Free SMS Alerts (On Transactions Equivalent to PKR. 25,000 & Above).
• Up to 90% Financing in Pak Rupees.
• Free Cheque Book.
• Free Cash Handling.
• Free Collection of Outward Foreign Cheques.
• Free Remittances (Three Per Month).
• Free e-statements / Internet Banking
NBP Products
Current Accounts of NBP
NBP Choice Business Account
Type:
• Checking Current Account
• Minimum Average Balance of Rs.100,000/- required to avail the following free services:
- 20 Free Issuance and Cancellation of PO / DD and CD
- 02 Free 25-Leaf Cheque Book per month
- Free Debit Card issuance / Renewal*
- Free Unlimited Online Transactions (Inter Branch Fund Transfer, i.e. NBP to NBP)
- Free Account Statements
- SMS Alert Facility

- Free inter-city cheque clearing, without any restriction
- Allotment of 1 free locker (upon availability) - Waiver of annual rent on medium sized locker*
- Minimum monthly average balance to be maintained throughout the preceding 12 calendar

months
Purpose:
 For those businessmen who want to avail free services on maintaining certain average balance
in their current account
 Eligibility:
 Any individual resident and non-resident having valid CNIC and NICOP can open NBP Choice
Business Account.
NBP Choice Individual Account
Type:
• Checking Current Account
Salient Features
• Minimum Average Balance of Rs.25,000/- required to avail the following free services:
9. 05 Free Issuance and Cancellation of PO / DD and CD
10. 01 Free 25-Leaf Cheque Book per month
11. Free Debit Card issuance / Renewal*
12. Free Unlimited Online Transactions (Inter Branch Fund Transfer, i.e. NBP to NBP)
13. Free Account Statements
14. SMS Alert Facility
15. Free inter-city cheque clearing, without any restriction
16. Allotment of 1 free locker (upon availability) - Waiver of annual rent on small sized locker
* Minimum monthly average balance to be maintained throughout the preceding 12 calendar months
Purpose:
• For those individuals who want to avail free services on maintaining certain average balance in
their current account.
Eligibility:
• Any individual resident and non-resident having valid CNIC and NICOP can open NBP Choice
Individual Account.
Premium Aamdani Certificate
Type:
• Term Deposit Certificate
Salient Features:
• 5 year certificate with profit up to 11.25% p.a.* in 5th year of investment
• Profit paid on monthly basis
• Running finance facility up to 90
• Minimum deposit of Rs.20,000/- with maximum balance of Rs.10 Million for 5 years.
• Free Mobile App
• Free SMS Alert.
Purpose:
• For those small ticket size individuals who wish to avail a higher return on their investment on
monthly basis
Eligibility:
• PAC may be invested in by Individuals having single or joint accounts, Clubs, Societies,
Associations, Trusts, Charitable Institutions, and Educational Institutions.
NBP Asaan Account:
An account for New to Bank customers only. It is a current saving PKR account.
Key Features:
• Open an account with just PKR 100/-
• Free ﬁrst year Payak debit card
• No minimum balance requirement
Avail up to 4 free over-the-counter withdrawals every month
• Maximum account balance up to PKR 1000000
• Only New to Bank customers can open this account
• This account is for resident individuals having Pakistani Nationality only

NBP Foreign Currency Current Account
An account ideal for all Pakistanis and foreign nationals who wish to maintain foreign currency deposit.
Key Features:
• Open an account in USD, GBP, EUR, and CNY
• Maintain a minimum of USD 1,000, EUR 800, GBP 700 in your account to avoid service charges
(levied as per SoBC)
• Cheque book can be acquired as per the prevalent SoBC
• Issuance of Debit Card – Debit Card can only be issued on USD Foreign Currency Account. Debit
Card charges will apply as per SoBC
Premium Saver Account
Type:
• Checking Savings Account
Salient Features:
• Profit Up to 1% in excess of the normal PLS Savings account rate on maintaining balance of
Rs.20,0000 – 1 Million
• Profit paid on half yearly basis
• Maximum 2 withdrawals allowed per month
• Free Mobile App
• Free SMS Alerts
Purpose:
• For small savers who want to earn more than PLS rate on their saving accounts.
Eligibility:
• Any individual resident and non-resident having valid CNIC and NICOP can open NBP Choice
Individual Account.
NBP Plus TDC
Type:
• Term Deposit Certificate
Salient Features:
• Investment up to 10 years with tier based profit payment structure depending on amount and
tenor.
• Running Finance Facility up to 90%
• Profit payment on maturity
• Attractive profit rates are offered according to invested amount and tenure
• Free SMS Alerts
Purpose:
• For those high net worth individuals and corporate customers who wish to avail attractive return
on their investment upon maturity of the certificates.
Eligibility:
• Individuals, government / educational institutions, sole proprietors and corporate entities.
NBP Junior Account:
NBP Junior Account is a Special Savings Deposit account that can be opened by only enduring Pakistani
student having an age 7 years to 17 years. The main emphasis is to give students familiarity with banking
and build the habit to save. This account will offer the account holders a unique opportunity to save
from an early stage of life to ensure better education and other financial needs in the future.
NBP Junior Account will facilitate students' savings attitude toward secure future"
Customer Benefit:
1. Attractive Interest rate (Higher than Savings Account

2. Cheque book facility
3. Collect local remittance in both Payment Order and any other valid instrument.
4. Transfer of fund on Standing Instruction Arrangement

5. Collection of cheques through clearing house
6. Online banking service
No Fees and Charges are applicable (except Government fees as applicable by central bank time to
time).
SAMBA BANK PRODUCTS
Samba Asaan Account
Starting up a banking relationship was never so easy. Being a Pakistani resident individual (with a valid
ID), you can now open Samba Asaan Account in Pak Rupee in singe or joint capacity with a minimum
initial deposit of as low as PKR 100.
Key Features:
• Choice of opening a Current Account or a Savings Account
• No Minimum Balance Requirement
• No Account Maintenance Charges
• Simple Initial Documentation Requirement
• One-Pager Account Opening Form & Hassle Free Account Opening
• Banking on Subsidized Charges
Big Benefits – Best Facilities
• 24/7 SambaPhone Banking Service
• Samba Online - Internet Banking Facility
• Un-limited SMS Alerts Facility on all your Banking Transactions
• Inter-Bank Funds Transfer Facility (IBFT) through ATM Machine & Internet Banking
• Samba Master ® /Pay Pak Debit Card with Secured Chip and NFC enabled Technology
• Growing network of Online Branches across Pakistan
Ladies Banking Account:
Samba Bank Limited offers you an exclusive platform to experience ultimate banking and investment
solutions specifically catering to your lifestyle needs.
The account is designed especially for the empowered women of Pakistan based on their unique
lifestyle and diverse financial needs.
Now you can simply walk in for personalized attention and avail a full suite of conveniences at any of our
branches. The presence of experienced staff in our branches will make you feel comfortable to seek
assistance in account opening and day to day branch banking activities
Key Features :
• No Account Maintenance Charges
• Dedicated Female Relationship Manager *
• Access to Mobile & Internet Banking
• Samba Master ® Debit & ATM Card | Secured Chip Technology and Global Acceptability | NFC
Enabled
Value Added Services:
• Free Issuance of Cheque Book
• Get 50% Waiver on Issuance Fee of Samba Master ® ATM / Debit Card
• Get 50% Discount on Locker rent for 1st year (Subject to availability)
• Get lower rate of interest on Lending Products
Sehel Current Account:
• Small surprises that make a big difference!
• Samba Sehel Current Account offers you a variety of benefits absolutely free based if you avail a
monthly average balance starting from PKR 500,000 to PKR 2,999,999.
Key Features :
 Free 3 Pay Orders per Month
 Free 3 Countrywide Online Withdrawal Transactions per Month
 Free Clearance of 3 Outstation Cheques per Month
 Un-limited monthly deposit and withdrawal transactions
 Free bank statement upon request
 Locker Facility (Available in Small, Medium & Large sizes at Selected Branches)
 Samba Master ® /Pay Pak Debit Card with Secured Chip and NFC enabled Technology and
Global Acceptability
 Samba Break-Free - Overdraft Facility up to 95% of rupee deposit
 Real-time Funds transfer on any Samba Account via Samba ATM,Samba Smart (Mobile
Banking App) and Samba Online (Internet Banking)
 Inter Bank Funds Transfer(IBFT) Dacility on all SBL ATMs across Pakistan,Samba Smart
(Mobile Banking App) and Samba Online (Internet Banking)
 Un-limited SMS Alerts
 Free Real-time Utility Bills Payment via Samba Online & Samba Smart (Mobile Banking App)
(K-Electric, PTCL, LESCO, SSGC, GEPCO, Ufone, Warid, Telenor)
 Dedicated Relationship Manager
 Convenience of Free online banking across all Samba branches nationwide
 View latest account statement, transfer funds to other Samba accounts, order cheque book
etc via Samba Online (www.samba.com.pk)
 24/7 SambaPhone Banking Services at +92-21-11-11-SAMBA (72622
FCY ACCOUNT:
Samba Bank Limited provides you an opportunity to choose an account that best suits your financial
needs. You get easy access to your savings account while allowing your money to grow at the same time.
Deposits are accepted under Profit & Loss sharing basis and the rates on such deposits are not final and
are subject to change.
KEY FEATURES:
 You can avail deposit facility in a currency of your choice i.e. US Dollars, Great Britain Pounds,
Euros, Riyal & Dirham
 Minimum monthly average balance requirement of USD 1,000 or equivalent for FCY Current
Account
 No minimum monthly average balance requirement for FCY Savings Account
 Foreign currency term deposit can also be booked on tenors that suits your financial needs such
as periods of maturity with variable rates of return: (1) One Month (2) Three Months (3) Six
Months (4) Twelve Months
 Avail different attractive rates depending on the currency you choose
 Higher returns on higher balances
 Flexible options of rollover or renew the TDR at the time of encashment
 Un-limited monthly deposit and withdrawal transactions.
 Facility of FCY deposits and withdrawals available at all Samba Bank Limited branches across
Pakistan
 View latest account statement, transfer funds to other Samba accounts, order cheque book etc
via Samba Online (www.samba.com.pk)
 24/7 Samba Phone Banking Services at +92-21-11-11-SAMBA (72622)
Savings Account:
Key Features:
 No Minimum Balance Requirement
 A PKR Savings Account provides you immediate access to your money with unlimited transaction
facilities
 Unlimited monthly deposit and withdrawal transactions
 Samba Master ® /Pay Pak Debit Card with Secured Chip and NFC enabled Technology and Global
Acceptability
 Unlimited SMS Alerts
 Samba Break-Free - Running Finance Facility up to 95% * of your deposit
 Samba SpeedCash – Instant Remittance Facility
 Real-time Funds transfer on any Samba Account via Samba ATM,Samba Smart (Mobile Banking
App) and Samba Online (Internet Banking)
 Inter Bank Funds Transfer (IBFT) Facility on all SBL ATMs across Pakistan, Samba Smart (Mobile
Banking App) and Samba Online (Internet Banking)
 Free Real-time Utility Bills Payment via Samba Online & Samba Smart (Mobile Banking App) (K-
Electric, PTCL, LESCO, SSGC, GEPCO, Ufone, Warid, Telenor)
 24/7 SambaPhone Banking Services at +92-21-11-11-SAMBA (72622
Savings Plus Account:
Features:
 No Minimum Balance Requirement
 A PKR Savings Account provides you immediate access to your money with unlimited transaction
facilities
 Your savings start earning for the 1st day of your deposit
 Un-limited monthly deposit and withdrawal transactions
 Samba Master ® / Pay Pak Debit Card with Secured Chip and NFCenabled Technology and Global
Acceptability
 Un-limited SMS Alerts
 Samba Break-Free - Running Finance Facility up to 95% * of your deposit
 Real-time Funds transfer on any Samba Account via Samba ATM,Samba Smart (Mobile Banking
App) and Samba Online (Internet Banking)
 Inter Bank Funds Transfer (IBFT) Facility on all SBL ATMs across Pakistan, Samba Smart (Mobile
Banking App) Samba Online (Internet Banking)
 Free Real-time Utility Bills Payment via Samba Online & Samba Smart (Mobile Banking App) (K-
Electric, PTCL, LESCO, SSGC, GEPCO, Ufone, Warid, Telenor)
 24/7 SambaPhone Banking Services at +92-21-11-11-SAMBA (72622)
Term Deposit Account:

Samba Bank Limited's Term Deposit is an easy and convenient way to invest your money. Your money
grows, which ensures that your investment reaches its highest potential. Samba Bank Limited's Term
Deposits give you the flexibility to choose from a payout frequency that best meets your individual
needs.
So bank with Samba Bank Limited to invest in a fast and productive investment plan.
Features:
 Complete Security of your funds
 Flexible term deposit tenors to suit your needs such as 1 Week, 1 Month, 3 Months, 6 Months,
12 Months, 3 Years, 4 Years and 5 Years
 Profit Payable at your convenience such as on Monthly, Quarterly, Semi-Annually and Annual or
at Maturity basis
 Option to avail Auto-renewal / rollover facility
 To match our product with your needs, our dedicated relationship management staff will help
bring all the services together to form a tailor-made solution and help you realize your money's
true potential.
Consumer Finance Products

Apni Car Finance
"Leading to your dreams"
Bank AL Habib ApniCar Auto Finance facility leads to your dream car through convenient repayment
plans.
• Free Accident Insurance up to PKR 500,000
• Financing available for Brand New, Used & Imported Cars
• Financing Upto 7 years (Financing for 6-7 years is only for Toyota, Honda, and Suzuki vehicles)
• Easy monthly installments
• Free E-statements
• Pre-payment is allowed
• Partial payments option
• Choice of reputable insurance companies at competitive rates
• Free E-statements
• Quick processing and minimal documentation
• Also available under Islamic Finance (Diminishing Musharaka) Financing Amount Limit
• Minimum of Rs. 250,000
• Maximum of Rs .3million for brand car
• Maximum of Rs .1.5million for importerd car. Initial down payment
  20 to 40% depending on type of vehicle
  15% is allowed only for new vehicle
Pricing
 Variable rate
 Fixed rate
House Finance
"Bank AL Habib makes it easy to own a dream home"
We believe, home is a place where the heart and mind are at peace. Bank AL Habib keeping its long and
recognized history for customer oriented products and services, now introduces “AL Habib Housing
Finance” which will facilitate its customers for:
Buying your own Home
The product is offered to individuals who intend to buy already built residential property (house or
apartment).
Financing Criteria
• Financing is available from PKR 300,000 up-to PKR 50 million .
• Financing period from 1 to 25 years.
• Disbursement as Bullet Payment (one time).
• Financing will be based upon verified net income of the applicant to ascertain repayment
capacity.
• Minimum income requirement for primary borrower is PKR 60,000 and co-borrower is PKR
30,000. Only Spouse can be made as co-borrower for income clubbing or property ownership.
• Option for balloon payments. Balloon payment fees shall be applied as per the applicable
Schedule of Charges of the Bank.
• Repayment in equal monthly installments based on the tenure of financing.
Home Construction
This product is extended to customers who already own land and need funds to meet the construction
cost. It also caters customers who have already begun construction and have completed it up to a
certain level.
Financing Criteria
 Financing is available from PKR 300,000 up to PKR 35million) or 100 % of Bill of Quantity (BOQ)
or 70% of the construction cost and appraised land value whichever is lower.
 Financing period from 1 to 25 years.
 Minimum income requirement for primary borrower is PKR 60,000 and co-borrower is PKR
30,000. Only Spouse can be made as co-borrower for income clubbing or property ownership.
 Disbursement of Payment in three stages as follows:
 Plinth Stage 30%
 Structure completion 30%
 Finishing Stage 40%
Repayment in equal monthly installments based on the tenure of financing (2 years grace period for
construction is also included, where only markup is to be serviced).
Option for balloon payments. Balloon payment fees shall be applied as per the applicable Schedule of
Charges of the Bank.
Home Renovation?
This product is offered to customers for the purpose of renovation of a constructed house.
Financing Criteria
• Financing from PKR 300,000 up to PKR 15 million or up to 50% of the appraised property value
whichever is lower.
• Financing period from 1-25 years.
• Minimum income requirement for primary borrower is PKR 60,000.
• Disbursement made as Bullet Payment (one time).
• Bill of Quantity also required.
• Repayment in equal monthly installments based on the tenure of financing.
• Option for balloon payments. Balloon payment fees shall be applied as per the applicable
Balance Home Transfer Facility
Bank AL Habib provides you opportunity to get transferred your already availed house loan from other
banks/institutions with Bank AL Habib if you have maintained a good repayment history
Financing Criteria
 Only the outstanding amount shall be paid to the releasing bank/institution or maximum
amount PKR 50 Million whichever is lower.
 No enhancement in financing amount will be offered to the applicant.
 Property ownership must be in the name of primary borrower or co-borrower (spouse).
 Customer to provide a letter, authorizing our bank official to collect and retrieve all title
documents from the releasing bank/institution.
 Option for balloon payments. Balloon payment fees shall be applied as per the applicable
Schedule of Charges of the Bank.
 Plot Purchase and Construction
 Bank AL Habib can help you achieve your goals through its financing facility.
 Financing Criteria
 Avail Financing with a Limit of Rs.0.3 million up to Rs.50 million
 Maximum financing for plot purchase is 50% of the land value or 50% loan amount, whichever is
lower.
 Disbursement in 4 tranches
Mera Pakistan Mera Ghar
Bank AL Habib along with the Government of Pakistan and with the support of the State Bank of
Pakistan offers an affordable and flexible Housing Finance Scheme. With the help of this scheme, you
can turn your dream of owning a home into a reality and secure your future.
Avail this facility through our Conventional and Islamic Banking branches.
All your Mera Pakistan, Mera Ghar queries will be answered instantly through a joint call center
facilitating customers at 033-77-786-786.
Key Features
• Subsidised Markup Rate
• Financing up to PKR 10 Million
• Available for up to 20 years
• Easy Documentation
• Quick Processing
• No restrictions and no charges on early repayment
• No cap on maximum Unit Price for Tier 2 & 3
Low Cost Housing Facility for Special Segment
Bank AL Habib has now also started to cater Financing Facility for Low Cost Housing for Special
Segments. The purpose of the loan is to make low cost housing affordable to lower middle and low
income segment for only Construction of his/her house.
Special Segment:
 Widows.
 Children of Martyrs (Shaheed) of law & enforcement agencies, armed forces and Civilians
martyred in terrorist attacks.
 Special persons holding CNIC / SNIC with disability logo/ symbol.
 Transgender.
 Persons who desire to construct (including plot purchase) housing units in the Mohmand,
Bajaur, Orakzai, Kurram, Khyber, North Waziristan and South Wazirstan districts of Khyber
Pakhtunkhwa.
 Eligibility Criteria:
 All customers must fulfill the following requirements to be eligible for Bank AL Habib low cost
housing finance for special segments:
 Must be a Pakistani national.
 Valid CNIC / SNIC / NICOP
 Borrower’s Age:
 Minimum 18 years
 Maximum 60 years for Salaried*
 65 years for Self Employed Professional/ Business Persons*
 70 years for Widows*
 *at loan maturity
Individuals in the above categories can avail financing subject to following eligibility criteria / conditions:
The borrower must not own any residential housing unit /flat / apartment. The borrower must not have
availed housing finance previously from any bank/DFI.
The loan shall be available only for construction (including plot purchase) of new housing unit. Maximum
value of the housing unit, being financed under this scheme, shall be PKR 3 million (including plot value).
Sale or renting out of housing unit, financed under this scheme, shall not be al-lowed until full
adjustment of outstanding finance or five (5) years after the date of first disbursement or, whichever is
earlier.
Cash Finance
Need cash without encasing your savings?
Bank AL Habib Cash Finance is a hassle-free secured personal loan that provides cash for your need at
the most competitive rate against your National Savings Certificates, Pak Rupee/Foreign Currency Bank
AL Habib Deposits & First Habib Cash Fund units
Al Habib Cash Finance works in two ways
• Running Finance Facility (RF), a Revolving line of Debit with quarterly mark-up servicing
• Term Finance Facility (TF), 1 Year to 5 years, repayments in equal monthly instalments.
Finance Amount Minimum Rs 5o,ooo
Maximum rs upto 90% of the value of securities
What makes AL Habib Cash Finance a great option?
• Prompt & Hassle-Free Processing
• No Processing Fee
• Balance Transfer Facility
• Documentation Charges at Actual
• No Pre-payment Penalty
• Third Party security of Bank AL Habib Deposit/National Saving Certificates
• PayPak Debit Card (Default)*
• Free Online Banking
• Free eStatement/ I Banking Facility
*Customers can avail free PayPak Debit Card on the condition of maintaining a minimum monthly
average balance of PKR 25,000/- However, you can also opt for a Visa or UnionPay Card. Charges will be
applicable as per prevailing Schedule of Bank Charges.
NBP CONSUMER FINANCE PRODUCTS
NBP Advance Salary
FEATURES A loan facility that provides you financial assistance whenever you need it. This will help you
finance your dreams as well as be your support in difficult times.
• Financing limit between PKR 25,000 to PKR 3,000,000

• Repayment tenure(s) ranging from 12 to 48 months
• Availability of top-up facility after every 12 months
• Life insurance coverage
BENEFITS
Avail financing upto Rs. 3 million against your salary.
 Lowest Mark-up Rate
 Easy installments of upto 48 months at your choice.
 Quick processing and fast disbursement.
 No minimum income, colleteral & insurance charges required
 For permanent employees of Government, Semi Government and autonomous bodies receiving
salaries through NBP
ELIGIBILITY CRITERIA:
NBP Advance Salary* is for NBP Account Holders who are:
Permanent Employees of Federal / Provincial / Semi Government & Autonomous Bodies receiving
salaries through NBP..
Financing Limit:Up to 20 net take home salary can be availed, which should not exceed the maximum
limit of Rs.3,000,000/-.
Tenure:Maximum tenure of the NBP Advance Salary Finance is 4 years (48 months).
Age Criteria:Maximum age of the borrower at the time of maturity of the finance should not exceed 59
years and six months.
NBP Aitmad Humsafar Auto Finance

Aitemaad Hamsafar Auto Finance is structured on the basis of Shariah compliant mode 'Diminishing
Musharakah (DM)'. Diminish mean 'Reduce' and Musharakah mean 'Partnership' Diminishing
Musharakah (DM) is that form of partnership wherein Customer and Bank contributes their fund for
purchasing the vehicle(s). After taking possession of purchased vehicle(s), Customer pays rental and
simultaneously purchases the share of Bank gradually through Installment Payments until Customer
becomes 100% owner of the purchased vehicle(s).
FEATURES
 Financing limit between PKR 200,000 to PKR10,000,000.
 Repay within a 7-year time period
 Choose any type of vehicle, new, used, local or imported.
 Receive financing up to 85% of the value of preferred car
 Secured insurance at all times for peace of mind (with tracker facility)
 Multiple Partial payment facility as per your convenience
 Our network of over 150 eligible dealers means you have lots of brands and cars to choose from.
 Dedicated after sales service.
CRITERIA
SALARIED INDIVIDUALS
 Applicant must be a Pakistani citizen.
 Applicant to be 22 years or more at the time of loan application and max 60 or retirement age
whichever is lower
 Minimum monthly income to be PKR 20,000.
PENSIONER INDIVIDUALS:
 Applicant must be a Pakistani citizen
 Applicant maximum age to be 70 at the time of maturity
 Applicant must have pension account relationship with NBP
 Minimum monthly income to be PKR 200,000
SELF-EMPLOYED BUSINESS PERSONS/PROFESSIONALS
 Applicant must be a Pakistani citizen.
 Applicant to be 22 years or more at the time of loan application and max 70 years or less at the
time of maturity
 Minimum monthly income to be PKR 25,000

 DOCUMENTS REQUIREMENT SALARIED INDIVIDUALS TO PROVIDE:
 Original copy of CNIC along with verified copy
 Two recent passport size photographs
 Latest original salary slips and personal bank statement for last three months
 SELF-EMPLOYED BUSINESS PERSONS/PROFESSIONALS TO PROVIDE:
 Original copy of CNIC along with verified copy
 Two recent passport size photographs
 Bank statement for last 6 months and bank letter confirming details of account
 Proof of occupation / business
NBP Cash N Gold

OVERVIEW
NBP cash n gold is a one stop solution to fulfill all your financing needs it offers a smooth finance facility
of ready cah against gold.
FEATURES:
 Rate of mark-up 1Yr KIBOR + 5% Incentivized Markup rate for Females One Year Kibor + 4.5%.,
 Financing against each 10 grams of net contents of gold as follows:
 For One Year Financing Rs. 70,000/
 For Three Year Financing Rs. 65,000/
 Maximum Limit upto Rs. 7,000,000/-
 Repayment after one year / Three Years
 No minimum income requirement
 One year Rollover tenure
 Only gold ornaments acceptable
 Weight and quality of gold to be determined by NBP's appointed schroffs
 No penalty for early repayment
 For education, marriage, consumer and other domestic needs

Karsaz SME
We, at NBP, offer different kinds of financing modes to SMEs
General Financing
Fund-Based
In fund based financing, we have following options:
1. Working Capital Finance e.g. (finance against pledge, hypothecation or mortgage etc.) for
services concerns, local / foreign traders and manufacturers
2. Medium Term Finance
3. Long Term Finance
Non Fund-Based
SMEs can avail a range of non-funded facilities e.g. letter of debit, letter of guarantees etc.
Seasonal Finance
NBP offers specific seasonal working capital finances for manufacturers / traders under Rice, Cotton and
Wheat seasonal crops. These finances are for the procurement of stocks and meeting day to day
expenses for value addition i.e. conversion of raw products into finished products and subsequent
selling into local or international market.
Brief Features
Following are brief features of our SME products:
Eligibility Criteria: Businessman having minimum age 22 years or maximum 65 years
Pricing criteria: Floating Markup mechanism (i.e. KIBOR + spread)
Required documents: Loan Application Form, borrower’s profile, Financials, property documents
etc.
Repayment frequency: Monthly / Quarterly /lump sum
Financing under SBP Schemes
Various SBP financing schemes are offered to our SME customers details as follow:
 Debit Guarantee Scheme For Small And Rural Enterprises
 Debit Guarantee Scheme For Women Entrepreneurs In Underserved Areas
 Export Finance Schemes

 Long Term Financing Facility (LTFF) for Plant & Machinery
 Refinancing Facility for Modernization of SMEs
 Scheme for Financing Power Plants using Renewable Energy
 Financing Facility for Storage of Agricultural Produce
SAMBA BANK LIMITED CONSUMER FINANCE PRODUCTS

Auto Finance
Samba Auto Loan is a term loan that allows you to purchase locally assembled/manufactured new and
used vehicles for your personal use.
Features
 Simple documentation and fast loan processing turnaround time
 Flexible repayment periods with loan tenure options from 12 months to 84 month
 1 to 7 years (vehicles up to 1000 CC)
 1 to 5 years (vehicles above 1000 CC)
 Fixed and Floating (annually renewable) mark-up rate options
 Floating Rate KIBOR + 3.25% to 7.50% based on risk assessment
 Fixed Rate Flexible rates from 14.75% to 20.00% based on risk assessment
 Broad range of approved vehicles for financing including hatchbacks, sedans, SUVs and Light
Commercial Vehicles
 Down payment as low as 15%
 Partial payment option available
 Comprehensive insurance coverage throughout the financing tenure with well reputed
insurance companies on Samba Bank’s panel.
Eligibility:
 Pakistani nationals residing and working in Karachi, Lahore, Faisalabad, Islamabad or Rawalpindi
 Applicants must be aged at least 21 years at the time of loan application
 Salaried individuals must not be aged older than 67 years (or retirement age, whichever comes
earlier) at the time of loan maturity
 Self-Employed individuals must not be aged older than 70 years at the time of loan maturity
 Applicants must have a minimum 6-month depository relationship with any Bank in Pakistan
 Applicants must have a minimum monthly income of PKR 50,000 and PKR 60,000 for salaried
and self-employed individuals respectively
 Salaried applicants must be working at their current employer for a minimum period of 3
months as Permanent Staff (not on probation)
 Self-Employed applicants must have a minimum tenure of 2 year in their current business
 Applicants must not be delinquent on any other consumer loan product (s) from Samba Bank or
any other Bank in Pakistan
 Income from other sources such as rent, pension or profit on term deposits may also be
considered, subject t Bank's internal debit policies.
Requirements:
 To apply for Samba Auto Loan, please contact Samba Phone Banking on (021) 111 1 SAMBA
(72622) or write to us on SambaCare@samba.com.pk.
 You will need to provide the following minimum documents to apply for Samba Auto Loan;
 Complete and signed Samba Auto Loan Application Booklet
 Copy of Valid Computerized National Identification Card / Smart National Identification Card
 Six Months’ Bank Statement
 Valid documentary evidence of employment or business
 NTN Certificate and Tax Return with Active Tax payer list.
 Salaried Individuals: Three months’ pay / salary slip
 Self-Employed Individuals: Acceptable business proof including Tax Returns, Proprietorship

letter, NTN Certificate, Partnership Deed, Articles / Memorandum of Association etc.
(requirements may vary on a case-to-case basis)
Samba Home Loan

You can now meet your desires of owning the home of your dreams with Samba Home Loan.Samba
Bank now provides you with financing options to buy, build or renovate the perfect home to call your
own.
Features and benefits
• An installment based facility against the collateral of residential property

• Financing limit from PKR 3,000,000 to PKR 100,000,000/-
• Equal monthly installments
• Flexible rates from *KIBOR+3.00% to 5.00% based on risk assessment
• Flexible tenure from 2 to 20 years
• Financing up to 75% of property value
• Co-borrower option available
• Free Property and life insurance
Product Offerings
• Home Purchase
• Home Renovation
• Purchase of Undivided share of Property Mortgaged by other banks (Balance Transfer)
• Construction Finance
Eligibility Criteria:
RESIDENT PAKISTANI:
 Pakistani nationals residing and working in Karachi, Lahore and Islamabad
 Applicant must be 30 years or more at the time of financing application and 60 years or less/
retirement age, whichever is lower at the time of financing maturity (70 years at loan maturity
for Self-Employed Individuals)
 Monthly income must be from PKR 100,000/- Salaried Individuals and PKR 500,000/- for Self-
Employed Individuals
 NON-RESIDENT PAKISTANI:
 Pakistani citizens living abroad.
 Monthly income must be equivalent to USD 3,500/- or above for Salaried Individuals and USD
5,000/- for Self-Employed Individuals
 Non-Resident Pakistanis can only apply for Samba Home Loan with a co-borrower who is a
Resident Pakistani
Personal Finance
Have an unforeseen expense to meet? Want to renovate your home or take that long awaited dream
vacation? Samba Bank now makes it all possible with Samba Personal Loan! Samba Personal Loan is a
term loan geared towards meeting your short and medium term personal financing needs without the
need for any security or collateral.
Features
 Financing amounts of up to PKR 2 Million
 Choose your repayment period with flexible loan tenure options of up to 48 months
 Free Debit Life Insurance with your Samba Personal Loan*
 No pre-payment penalty charges upon early settlement of your loan with Samba Personal Loan’s
0% pre-payment penalty option**
 Transfer your existing Personal Installment Loans with other Banks with Samba Personal Loan’s
Balance Transfer Facility
 Simple documentation and fast loan processing turnaround time
 Free first time 10-leaves cheque book
 Free Samba Personal Loan Current Account with no minimum balance charges
 Flexible rates from 22.5% to 36.5% based on your risk assessment
Eligibility:
• Pakistani nationals residing and working in Karachi, Lahore, Islamabad, Rawalpindi, Wah
Cantt and Peshawar.
• Applicants must be aged at least 22 years and 30 years for salaried and self-employed
individuals respectively.
• Must not be aged older than 65 years (or retirement age, whichever comes earlier) at the
time of maturity of loan
• Applicants must have a minimum 3-month deposit relationship with any Bank in Pakistan for
salaried individuals and minimum 6-month for self-employed individuals.
• Applicants must have a minimum monthly income of PKR 45,000 and PKR 225,000 for
salaried and self-employed individuals respectively.
• Salaried applicants must be working at their current employer for a minimum period of 6
months or have total continuous experience of 12 months
• Self-Employed applicants must have a minimum tenure of 2 years in their current business
• Applicants must not be delinquent on any other consumer loan product(s) from Samba Bank
or any other Bank in Pakistan
Requirements:
You will need to provide the following minimum documents to apply for Samba Personal Loan;
• Complete and signed Samba Personal Loan Application Booklet
• Valid Computerized National Identification Card / Smart National Identification Card
• Six Months’ Bank Statement
• Valid documentary evidence of employment or business
• Salaried Individuals: Three months’ pay / salary slip duly validated by employer’s Human
Resource Department
• Self-Employed Individuals: Tax Returns, Proprietorship letter, NTN Certificate, Partnership

Deed, Articles / Memorandum of Association etc. (requirements may vary on a case-to-case
basis)
• Loan payoff / termination sheet (s) and / or repayment schedule (s) from existing Bank (s)
[for “Balance Transfer Facility” applications]
 The given requirements and eligibility criteria are indicative minimum requirements only and
may vary depending on various factors including but not limited to customer profile, debit
history, employment status etc.
ADC (Alternate delivery channel)

Mobile Banking USSD Ufone Service Introduction
Bank AL Habib Mobile Banking USSD Ufone is easy, convenient, safe and available 24/7. It allows you to
manage your account on your mobile phone using telecom service provider Ufone SIM. This service is
free of charge.
BAHL Mobile Banking is available for customers having
• PKR Account
• ATM / Debit Card

• Active Ufone SIM
• Your 13 digit CNIC number
Electronic Fund Transfer
This is a service for transferring funds between your own account, beneficiary account, any BAHL
account and other Bank account by using ATM / Debit Card and I Banking Service. Customer can perform
funds transfer via the following channels:
• BAHL ATM through ATM / Debit Card
• AL Habib Netbanking
• AL Habib Agile
Utility bills payment
Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are.
 Pay your taxes against your pre-generated Payment Slip ID (PSID) through:
 No More Paperwork and Long Queues!
 Bank AL Habib ATMs
 AL Habib I Banking (Internet Banking)
 Counters at the Bank AL Habib nationwide branch network
 Track your tax payments
 Get receipts of your tax payments
• No submission of physical challan
Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC),
currently ATM / Debit Card, I Banking and Mobile Banking (Ufone USSD Model). BAHL value added Bill
Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone
bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week
from any BAHL ATM across Pakistan and BAHL I Banking and Mobile Banking (Ufone USSD Model).
It is simple, easy to use and above all this service is free of cost
Direct Debit Facility

Bank AL Habib is proud to introduce the Direct Debit Facility to make bill payments and mobile top-ups
easier for you. When you sign up for the service, this unique and innovative facility sets up automatic
recurring payments for all your bills and top-ups from your designated account maintained at the
branch.
Make Your Life Easy!
 No registration fees
 Save your time as bills are paid automatically
 No requirement to have a debit or debit card to register for this facility
 No need to remember payment deadlines
 No hassles of writing cheques or carrying cash
 No waiting in long queues at banks
 For electricity, gas and telephone bills, you have the option to restrict the maximum amount of
bill to be paid.
 Nominal fee of PKR 25/- only for a successful debit transaction Registering for the Bank AL Habib
Direct Debit Facility is as easy as 1-2-3:
 Visit your nearest branch.
 Fill up the registration form (provided in the branch – also attached for your convenience)
 Submit the form for activation of the facility to your branch.
Debit Cards
Overview
BAHL Debit Cards are a secure and convenient option to do shopping, pay bills, and do more without
carrying cash. Customers can also withdraw money from an Automated Teller Machine (ATM) using
customers BAHL Debit Card
Unlike a credit card, the amount is automatically taken from customer account, so customers must have
the balance in customers account for customers’ transactions.
Different debit cards for different people
Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits customers’
needs
Visa
Use globally and across Pakistan
PayPak
For use in Pakistan
UnionPay
Use globally and across Pakistan
There are four types of BAHL Debit Card
 Visa Debit Gold
 Visa Debit Platinum
 Visa Debit Silver
 Union pay debit card
Visa Debit Gold Features
Linked to the Global VISA Network, Bank AL Habib VISA Gold Debit Card empowers customers to handle
purchases and withdraw cash while travelling abroad.
 Avail Exclusive Discounts at participating outlets
 Use it at millions of ATMs and retail outlets locally and globally*
 Get Supplementary Cards
 Utility bill payment
 For 24/7 assistance and guidance call at our Helpline
 Transfer Funds
How to Apply for VISA Debit Gold Card?
New Customers:
Apply by filling the account opening form available at customers relationship branch.
Existing BAHL Customers:
For first-time issuance of debit card: please contact customers relationship branch.
For debit card replacement/conversion: please contact our 24/7 Call Centre at (+92 21) 111-014-014.
Supplementary Cards:
Customers can get up to 5 supplementary cards.

To apply please visit customers relationship branch.
Daily Limits (PKR)
Transaction VISA Gold Primary VISA Gold Supplementary
ATM Cash Withdrawal 100,000 30,000

POS (Point of Sale) Transaction 200,000 75,000
Funds Transfer Across Accounts 250,000 Not Allowed
Transaction Charges*
Annual Fee for Primary Card PKR 2,000

Annual Fee for Supplementary Card PKR 1,250
Card Replacement Fee (Primary / PKR 2,000 / 1,250
Supplementary)
Reissuance of ATM PIN PKR 100
Fund transfer to any account within BAHL NIL
ATM Cash Withdrawal - Local (1 Link) PKR 23.44
Balance inquiry charges - Local (1 Link) PKR 3.13
ATM Receipt printing fee - Optional PKR 2.5
ATM Cash Withdrawal - International 3.5% of transaction amount
Balance inquiry charges - International PKR 250
POS/E-Commerce transaction charges - 3.5% of transaction amount
International
Visa Global Customer Assistance Service (GCAS)
While travelling overseas, customers can also get emergency assistance on calling BAHL international
helpline numbers.
EMV Chip
Chip and PIN cards are evolution of electronic payments around the globe, helping to make payments
more secure. This means that cardholders will be required to enter PIN (Personal Identification number)
to complete the transactions performed on POS terminals and ATMs.
Visa Debit Platinum Features
Bank AL Habib VISA Platinum Debit Card is customers financial power-key. Linked to over 1.7 million
ATMs and 24 million merchants globally, Bank AL Habib helps customers unlock premium lifestyle
facilities globally.
 Use it at millions of ATMs around the world
 Utility Bill Payment
 Transfer Funds
 For 24/7 guidance call our helpline
 Avail Exclusive Discounts
Other Information
How to apply for VISA Debit Platinum Card.
New Customers:
Customers can apply through the account opening form, if customers fulfill the eligibility criteria, which
will be completed at customers relationship branch.
Existing Cardholders
In case customers already possess a Debit Card issued by Bank AL Habib, contact customers’ relationship
branch or call 111-014-014 for further assistance.
Customers can avail up to 3 supplementary cards.

Eligibility Criteria:
Avg. Monthly Balance (PKR) or 500,000 or above
Monthly Salary (PKR) 300,000 or above
IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account , 0.1% o
will be charged
Transaction Daily Limits (PKR)
VISA Platinum VISA Platinum

Primary Supplementary

Card Replacement Fee (Primary / PKR 4,500 / 2,500
Supplementary)
ATM Receipt printing fee – Optional PKR 2.5
ATM Cash Withdrawal - International 3.5% of Transaction amount
POS/E-Commerce transaction charges – 3.5% of Transaction amount
International
IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account, 0.1%
lower will be charged
Visa Debit Silver Features
Bank AL Habib Visa Silver Debit Card enables customers the access to customers account from over 1.65
million ATMs and 20 million merchants in 148 countries.
 Avail Exclusive Discounts at participating outlets
 Use it at millions of ATMs and retail outlets locally and globally*
 Utility Bill Payment
 Transfer Funds
 For 24/7 assistance and guidance call at our Helpline
Other Information
How to Apply for VISA Debit Silver Card?
New Customers:
Apply by filling the account opening form available at customers’ relationship branch.
Existing BAHL Customers:
For first-time issuance of debit card: please contact customers’ relationship branch.
For debit card replacement/conversion: please contact our 24/7 Call Centre at (+92 21) 111-014-014.
Customers can get up to 2 supplementary cards.
Daily Limits (PKR)
VISA Silver
Transaction VISA Silver Primary
Supplementary

Card Replacement Fee (Primary / Supplementary) PKR 1,500 / 1,000
ATM Reciept printing fee – Optional PKR 2.5
ATM Cash Withdrawal - International 3.5% of Transaction amount
POS/E-Commerce transaction charges – International 3.5% of Transaction amount
IBFT charges via ATM Free IBFT - Upto PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per accoun
is lower will be charged
UNION PAY DEBIT CARD
24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Debit Card your perfect banking
companion.
Daily Limits (PKR)
Transaction Union Pay Debit Union Pay Apna Debit

Funds Transfer Across Accounts 150,000 150,000
NBP ADC PRODUCTS
CONVENIENCE 24/7 CUSTOMER SERVICES
Enjoy service at your fingertips. Wherever you are in the world, as a NBP Debit Cardholder you’ll always
have 24/7 access to our NBP Phone Banking at 111-111-425. So, whether it is card and account
enquiries, bill payments, reward redemption, we’re only one call away.
NBP INTERNET BANKING
A simple, hassle-free and secured Internet banking service that allows NBP Debit Card customers to
perform banking transactions through the Internet anywhere and anytime of the day. you can view your
monthly statement, follow payment status and make bill payments along with a host of other online
services.
SUPPLEMENTARY CARDS
Think how much easier your life would be if you shared your debit card account with those closest to
you – imagine the convenience of one statement, one monthly payment and one debit limit for all your
joint purchases like groceries, petrol, etc. As a NBP Debit Cardholder, you can now avail up to 6
supplementary cards and share NBP Debit Card benefits with your family members.
SMS ALERTS
For all transactions, an SMS alert will be sent to you on your mobile phone to confirm that the
transactions have been conducted by you. A nominal fee will be charge for this service.
E -STATEMENT
An e-statement with details for all your transactions will be sent to your specified email address every
month. You won’t have to wait for your paper statement any more or have to worry about storing it
anywhere. You can be completely paperless!
NBP EMV Debit Card
NBP EMV Debit Card enables 24/7 access to your bank account within Pakistan. Backed by the power of
Payak, this card offers you a basic level and convenient payment solution at a lower annual fee.
BENEFITS
• Cash Withdrawal from NBP ATM and 1LINK ATM countrywide
• Funds transfer to other NBP accounts, and 1LINK member bank accounts
• Pay utility bills
• Point of Sale (POS) Transactions
• Also subscribe for optional NBP SMS Alerts service, NBP Mobile and NBP Internet Banking
Debit Card Limits
Withdrawal PKR 50,000/-
Purchase (POS) PKR 50,000/-
Funds Transfer PKR 150,000/-
NBP DIGITAL BANKING

NBP Internet Banking
With NBP Internet Banking you can seamlessly bank from anywhere, anytime and perform various
financial and non-financial transactions conveniently without visiting a branch. You can access both NBP
Internet Banking and NBP Mobile with a single login ID and password.
FEATURES
 Access to account statement, transaction details and statement download facility
 Transfer funds to own account, any NBP account and any other bank’s account
 Payment of debit card bills, utility bills, mobile top-up, post-paid bills, pre-paid telco cards, e-
Vouchers, excise/taxation, e-IPO, zakat/ donations, education fee, movie/bus/event tickets
 Online shopping
 Investment in NBP mutual funds and term deposit
 SMS alerts for log-in and financial transactions
 View NBP Card deals and discounts

 NBP Cards management
 Apply for travel and accidental insurance
 Request for cheque book & banker’s cheque
 Update CNIC expiry
 Update contact details
 Schedule recurring bill payments and fund transfers
 Multiple bill payments in a single transaction
 Generate withholding tax certificate
 Loan management
 Apply NOC for NBP Personal Loan
 Link and de-link your accounts
 Generate advance Tax Certificate
 SMS alerts and e-Statement activation
 Beneficiary management
 Manage your transaction limits
 Pakistan stock market updates
 Complaint lodgment
 Reward Points & installment payment
 Access ATM and Branch Locator
Exciting list of services are now also available exclusively for Roshan Digital Account
NBP Mobile App
NBP Mobile is an app designed to simplify the way you bank. It offers enhanced digital services to our
valuable customers, enabling them to access and transact through their NBP account or Debit Card,
anytime, anywhere.
 24/7 access to account, everywhere
 Convenient & saves time
 User friendly & hassle-free services

 Safe and secure
FEATURES
 Access to account statement, transaction details and statement download facility
 Transfer funds to own account, any NBP account and any other bank’s account
 Payment of debit card bills, utility bills, mobile top-up, post-paid bills, pre-paid telco cards, e-
Vouchers, excise/taxation, e-IPO, zakat/ donations, education fee, movie/bus/airline/event
tickets
 QR payments
 Order food online
 Online doctor consultation
 Online shopping
SAMBA BANK ADC PRODUCTS
SAMBA BANK Master Card
Samba Debit MasterCard ® gives you 24/7 access to your Samba Bank Limited account and will be
accepted at 1.4 million MasterCard ® ATM Machines and 28 million merchants across the globe. Now
can you enjoy all the spending liberty you want because your Samba Debit MasterCard ® offers you
higher usage limits locally and internationally on POS & at ATMs around the world.
Particulars
Blue Card Gold Card **
Daily ATM Cash Withdrawal Limit (International)*
Not Allowed 400,000
Daily ATM Cash Withdrawal Limit (Local)
50,000 100,000
Daily POS Usage Limit (International)
Not Allowed 400,000
Daily POS Usage Limit (Local)
50,000 200,000
IBFT through Internet Banking / ATM Machine /Samba Smart (Mobile Banking)
100,000 500,000
Phone Banking Services
 Automated help messages on your cell Samba Bank Pakistan Ltd. offers a state-of-the art 24/7
Phone Banking service which provides quality services and financial solutions to esteemed
customers. Our highly trained Phone Banking Officers are available round the clock to assist and
provide you the following services:
 Enquiries and Instructions
 Financial Transactions
 Enquiries and Instructions
 Account Balance Inquiry
 Transaction Inquiry
 Auto and Home Finance application status
 Duplicate Account Statement request
 Order Cheque Book
 ATM/ Debit Card Activation
 ATM / Debit Card Replacement
 ATM / Debit Card Blocking
 ATM/ Debit card PIN Re-generation
 Name Correction on ATM / Debit Card
 Request for linking account with ATM / debit card
 Request for De-linking account with ATM / debit card
 Internet Banking Registration
SMS Banking Features
Now, Samba Bank Pakistan Limited brings banking services at your fingertips! Free yourself from the
hassle of visiting the branch and enjoy the convenience of Samba Bank SMS Banking.
 You can select your desired services from a variety of options available
 You can block your account, in case of stolen or lost cell phone
 24/7 customer service helpline

 phone
 Alert Services
 You will receive an SMS alert on your cell phone for the following:
 Deposit & Withdrawal transactions
 Account Balance (specify a time or an amount to trigger alerts)
 Complaint acknowledgement
 Complaint resolution
 Cheque clearing
 Cheque return
Mobile Banking
Samba Bank Mobile Banking lets you bank online from your cell phone at your convenience. With an
easy to use interface and comprehensive suite of transactions, you’re ready to manage your account
from anywhere and at anytime. Samba Bank Mobile Banking is designed to run effortlessly on all cell
phones provided that they are connected to the internet. To use this service, simply register yourself
through any of the methods described in ‘How to Register’ section.
Our security features protect you from unauthorized transactions while making day-to-day banking
convenient. It is our commitment to give you a safe and secure avenue to carry out your banking
transactions 24/7.
What are the benefits of Samba Bank Mobile Banking?
• Eliminate long lines at the branch
• FREE service with no hidden charges
• Safe and secure
• Easy to use interface
• Global accessibility
Account Related
• Account Summary
• Account Full Statement

Funds Transfer
• Own account transfer
• Transfer to any other SAMBA BANK account
• Manage account debit limits
• Add or view beneficiaries
Fixed Deposits
• Place Fixed Deposits
• View existing Fixed Deposits
SWOT ANALYSIS OF BANK AL HABIB Ltd

Strength
 Bank AL Habib is providing the strong and secure connection of ATM network.
 Job security among employees consider as the strength of the bank because it increase
emplyoes loyalty with organization.
 Habib group holding the largest banking share in the history of pakistan.
 Al Habib provides online aswell as physical training sessions for its employees.
 More than 1000 branches in Pakistan
 There is a huge variety products and services
 Bank AL Habib don't consume to much capital on the marketing services of their product and
services.
 Less risk in their banking system because they are not easily give the debit facilities to the
customer
 Decent way of dealing with the customers.
 Rapidly expansion of branches network in the different cities of Pakistan.
 Fast and secure online banking system.
 Less political interference .
Weaknesses:
 Bank Al Habib system is not give loan or debit cards easily because it does not trust easily. So
that's why time consuming process.
 Difficult procedure application is for applying for a debit card
 Less efforts for the promotion of their marketing.
 They didn't take high risk.
 IT system is very slow.
 Online transfer procedure is very timing consuming.
Opportunity
 There is a lot of cushion available for Bank Al Habib in terms of expanding its network of
branches but all this depends on stability of the Pakistan economic and political situation
 The opportunities available for Bank Al Habib are financing to SME’s (Small and Medium,
Enterprises) in Pakistan.
 Bank Al Habib can also look for small account holders
 Bank Al Habib has an opportunity to merge with some other bank to increase the number of its
branches in Pakistan.
 Attractive salary packages should be awarded.
 Marketing department should be started in order to promote the name of Bank Al HAbib.
 On the job training & coaching sessions can be conducted.
 WhatsApp Banking
Threats
 In Pakistan, there are lot of banks that are prevailing in the market. So, there is very tough
competition between banks.
 Circumstances of Pakistan are a great threat for the existence of the Bank Al Habib.
 If IT system of bank AL habib not become fast then there is a threat that customer will shift to
another channel.
 Other banks whose growth rate is high may be a chance to tackle Al Habib customer easily.
 Documentation process is very lengthy in bank AL habib people always reluctant to do this type
of activities.
CONCLUSION
Bank AL Habib has had an impressive growth rate over the past few years and has been one of the most
rapidly growing banks. Its deposits grew at an average of around 25% per annum during the past six
years and advances grew at around 18%per annum in the same period
By observing all the information in the report, I hereby conclude that bank AL Habib is providing well in
market in terms of products and services. They are using different tactics and strategies to achieve the
organizations goals and objectives. Bank AL Habib continuously increasing its branches network and
ATM network as well. Bank AL Habib offer new products in market as per the need of customer. Best
example is that now they are offering young saver account to attract the youth for growing banking.
Bank AL Habib always play on safer side in banking industry. Bank AL Habib have less than 1 percent of
non-performing loans which shows the debit worthiness of Al Habib customer.
Bank AL Habib main strategy is that they always attract the old customers. We by providing special rates
on every product as compare with other banks. They are also fulfilling the corporate social
responsibility. They are providing fees concession for poor students via scholarships program.
Bank Al Habib has the good position in liquidity because they have the Current accounts (C. A) ratio20%
of total deposits. Bank Al Habib is mostly emphasis on the financing and deposits that is the better for
the effective work of the organization. Bank AL Habib Limited is continuously improving the IT system of
which will provide the effective and efficiently result on the performance of banking. In this bank AL
Habib profitability will definitely increase.
References
 https://www.bankalhabib.com/
 https://www.samba.com.pk/samba/personal-banking
 https://www.nbp.com.pk/

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Acknowledgement

Bank AL Habib Limited

"To be our customers’ most convenient and trusted bank."

"To make banking safe, simple and pleasant."

•Respect for people

•Communication & Cooperation

Brief description of each of the above-mentioned values is given below:

Respect for People

Communication & Cooperation

126-C Old Bahawalpur Road Multan

Mackinnons Building I.I Chundrigar Road Karachi

Integrity is the cornerstone of everything we do.

Market leadership is what we aim across all our target sectors

Nation building remains our priority.

Employee engagement through a merit-based culture.

• Advancement of skills for tomorrow's challenges.

• Awareness of social and community responsibility.

• Value creation for all stakeholders.

Trading and Sales:

I.I Chandigarh Road

History of Samba Bank

Subsidiaries and Associates

1955 Citibank opens Jeddah Branch.

1966 Citibank opens Riyadh Branch.

1984 Samba opens its first international branch in London, UK.

1991 Citibank reduces its shareholding to 30%.

2002 Citibank reduces its shareholding to 20%.

• Obtains a branch banking license to operate in Dubai.

 Providing world class solutions.

Local Currency Foreign Currency

Others 17,278,026 80,048,789 797,214 7,969,086 4,627 -

Savings deposits 5,976,792 12,807,154 3,574,797 19 - -

Current deposits- 12,405,275 - 736,770 - -

Others 14,830 1,639,439 1,085,786 - 1,846 -

BAHL NBP SAMBA BAHL to NBP BAHL to

Others 25,247,112 80,053,416 - -68% -

Savings deposits 5,976,811 - -

Current deposits- 13,142,045 -

Others 14830 1,641,285

Advances comparison as on 30-03-2022

Advances - gross 752,785,220 1,178,622,910 80,532,394 7,776,725 204,312,166 85,255,707

– General (5,750,000) 14,326,557 (197,579) - - (195,770)

Advances as on 30-03-2022 in Total

BAHL NBP SAMBA

BAHL to NBP BAHL to SAMBA

Loans, Cash credit, Running finance

Islamic financing and related assets

Branch network Comparison

Branch network - Bank AL Habib Limited.

Branch network –National Bank of Pakistan

Branch Network- Samba Bank.

The Bank operates 44 branches inside Pakistan.

1. Net Mark-Up / Interest Income.

2. Total Non-Mark-Up / Interest Income.

5. Total Non-Mark-Up / Interest Expenses.

6. Profit Before Taxation.

7. Profit After Taxation.

8. Total Comprehensive Income.

a) Mark-Up / Interest Income is the mark up earned on the advances.

c) An operating expense is an expense that incurs through a normal business operations.

Comparison of Profit and Income (Services&Markup) as on 31

BAHL to NBP BAHL to SAMBA

Total Non-Mark-Up / Interest Income