BAHL TMDD PROJECT.pdf

BANK AL HABIB LIMITED (TMDD)
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Table of Contents
BANK AL HABIB LIMITED ...............................................................................................................................6
Deposits ....................................................................................................................................................7
Advances...................................................................................................................................................7
Profit .........................................................................................................................................................7
Npls ...........................................................................................................................................................7
Income ......................................................................................................................................................7
BRANCHES.................................................................................................................................................7
DEPOSIT PRODUCTS..................................................................................................................................8
PRODUCTS OF AL HABIB ROSHAN DIGITEL ACCOUNT NAYA PAKISTAN CERTIFICATE............................22
Alternate Delivery Channels ...................................................................................................................26
SWOT ANALYSES .....................................................................................................................................32
National Bank of Pakistan (NBP).................................................................................................................35
Deposits & Funding:................................................................................................................................36
Mark-up/Interest Income: ......................................................................................................................37
Loans and Advances:...............................................................................................................................38
Profit After-Taxation:..............................................................................................................................38
Loan Losses and Provisions:....................................................................................................................39
BRANCH NETWORK:................................................................................................................................39
ATM Foreign:...........................................................................................................................................40
Deposit products.....................................................................................................................................43
Purpose:..............................................................................................................................................44
Eligibility:.............................................................................................................................................44
Type:....................................................................................................................................................46
Consumer Finance Products: ..................................................................................................................48
ADC CHAANALS.......................................................................................................................................51
Eligibility:.............................................................................................................................................54
Apna Microfinance Bank.............................................................................................................................56
About.......................................................................................................................................................56
DEPOSITS.................................................................................................................................................57
ADVANCES...............................................................................................................................................57
PROFIT.....................................................................................................................................................58

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INCOME...................................................................................................................................................58
Non-performing loans.............................................................................................................................58
BRANCHES...............................................................................................................................................59
DEPOSITE PRODUCT................................................................................................................................59
Profit Payment on Monthly Basis.......................................................................................................60
CONSUMER FINANCE PRODUCTS ...........................................................................................................62
Security/ Collateral .............................................................................................................................64
ADC PRODUCTS.......................................................................................................................................64
Utility Bills Payments: .............................................................................................................................64
Standard Chartered Pakistan ......................................................................................................................68
DEPOSITS.................................................................................................................................................69
ADVANCES...............................................................................................................................................70
PROFIT & LOSS ........................................................................................................................................71
INCOME...................................................................................................................................................72
Branches: ................................................................................................................................................73
Deposits Products: ..................................................................................................................................73
Benefits ...............................................................................................................................................79
Attractive Interest...............................................................................................................................79
Pakistani Resident...............................................................................................................................79
Non Resident Pakistani .......................................................................................................................80
Documents Required: .........................................................................................................................80
Account Features ....................................................................................................................................80
Non Resident Pakistani .......................................................................................................................84
Alternate Delivery Channels ...................................................................................................................93
Personal Loan..........................................................................................................................................93
Benefits ...............................................................................................................................................93
Visa Platinum Credit Card ...........................................................................................................................97
SC MOBILE...........................................................................................................................................98
SAMBA BANK ............................................................................................................................................101

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PROFIT & LOSS ......................................................................................................................................103
INCOME.................................................................................................................................................104
ADVANCES.............................................................................................................................................105
DEPOSITS...............................................................................................................................................106
BRANCHES NETWORK...........................................................................................................................107
Deposit Products...................................................................................................................................107
Finance Facility......................................................................................................................................117
FEATURES & BENEFITS ......................................................................................................................119
Samba Home Loan ................................................................................................................................124
Pricing................................................................................................................................................128

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BANK AL HABIB LIMITED
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 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.
In a short span of 28 years, 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.

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Deposits
 The deposits increased to Rs.1, 224 billion as compared to Rs. 1,099.7 billion on December 31,
2020.
Advances
 In the same period, advances increased to Rs. 603.3 billion from Rs. 510.3 billion, while
investments increased to Rs. 983.7 billion from Rs. 764.9 billion.
Profit
 The pre-tax profit of the Bank for the half year ended June 30, 2021 was Rs.14.34 billion as
compared to Rs. 12.10 billion during the corresponding period last year.
Npls
 Total non-performing loans are PKR 28,230,000/0.02823 Billion as per June 2021.
Income
 Total income of BAHL as per june 2021 is PKR 33,675,565,000/33.675565 Billions
BRANCHES
By the Grace of Allah, the Bank now has a network of 939 offices, comprising 903 branches, 32
sub-branches, and 4 Representative Offices. Our branch network includes 128 Islamic Banking
Branches and 3 Overseas Branches. Continuing with our branch expansion policy, the Bank
intends to open more branches during the year 2021.

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DEPOSIT PRODUCTS
Current account:
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.
Features and Benefits
 No Minimum Balance Requirement
 SMS alert facility
 Free Mobile / Internet Banking
 Free e-statement
 Paypak Debit Card (Default)
Armed forces pensioner account:
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
Features and benefits
 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

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Pensioners account:
You’re 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.
 No Initial deposit or minimum balance requirement
 Free ATM/Debit Card (Paypak)
 Free Standing Instruction Charges
 Free Internet & Mobile Banking
 Banker’s Cheques Facility
Basic Banking Account
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.
 No minimum balance required
 No services charges on account
 pay Pak Debit Card (Default)
 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

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Assan account
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
 Credit Balance Limit of Rs. 500,000/-
 Total Debits per month of Rs. 500,000/-
 Free Life Insurance
 SMS Alert Facility
 Account can be opened with Rs.5/- only
Apna individual current
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.
 Bankers Cheques (Upto three per month)*
 Paypak Debit Card (Default)*
 Free E-Statement
 Free AL Habib Mobile and Net Banking Facility
 Online Banking
 Free life insurance coverage
Asaan remittance account
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.

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Feature and benefits
 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 Credit Balance Limit: PKR 2,000,000
 Free e - statements
 Free life insurance
Current Plus
Flexibility of transactions plus more benefits Bank AL Habib Current plus Account meets all your
business-related and individual needs for convenient secure banking.
 Personalized Cheque Books*
 Banker’s Cheques*
 Free E-Statement
 Free AL Habib Mobile and Net Banking Facility
 Online Banking*
SAVING ACCOUNTS
Armed forces pensioner saving
“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.

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 Free Internet / Mobile Banking
 Individual single account only
 Banker’s Cheques Facility (Pay Orders)
 Online Banking Facility
 Higher return on Savings Account
 Bi-annual profit payout & calculated on monthly average balance
Pensioners saving
AL Habib Pensioners Account” is specially designed for pensioners to facilitate them in receiving
their pension funds after retirement. The account is designed for pensioners who want a steady
profit rate on their investment for their routine monthly expenses after their retirement from
work
 Free Standing Instruction Charges
 Banker’s Cheques Facility
 Attractive rate of profit
Assan Remittance Saving
Receive money directly into your account and see it grow. Open Bank AL Habib Asaan
Remittance Saving Account and receive your money from abroad directly in your saving account
 For receiving Home Remittances from abroad only
 No initial deposit or minimum balance required
 No charges at opening or closure of account
 Cash withdrawal limit: PKR 50,000 per day

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 Fund transfer limit: PKR 50,000 per day
 Total Credit Balance Limit: PKR 2,000,000
Monthly saver
Let your savings add to your monthly income Bank AL Habib Saver Account with profits paid
every month is for individuals (single or joint) salaried persons, self-employed, retired,
housewife, minor, etc. of any age group.
 No minimum or maximum balance requirement.
 Free Internet Banking & e-statements.
 90% financing available on deposit.
 Preferential rate of profit
 Paypak Debit Card (Default)
PLS saving
While you save, we provide cover to your life an account that manages your savings with
convenience of day to day transactional needs.
 No Minimum Balance Requirement
 Free Internet and Mobile Banking
 Up to 90% Financing Against Deposit
 Free Life Insurance*

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Asaan Saving
Opening a bank account was never so easy if you are a resident Pakistani national and have
never opened a bank account before; Bank AL Habib Asaan Saving Account is just for you. Easy
to open, it is loaded with value added services.
 Account can be opened with PKR.5/- only
 One Page Account Opening Form
 Profit payout every six months
 Profit calculated on monthly average balance
 Total Debits per Month: Rs. 500,000/-
 Total Credit Balance Limit: Rs. 500,000/-
Young saver
Saving can be fun for young ones 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
 Open the account with as little as PKR 5/-
 Free issuance of Banker’s Cheques
 Free first cheque book (10 Leaves)
 Free online banking
 Incremental rate of Profit
 Six monthly profit payout
 No minimum or maximum balance requirement
 The account offers two tiers of profit payout

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Senior citizen
Growing old earns special privileges Bank AL Habib Senior Citizen Account with special benefits
is for individuals aged 60 Years & above. For Joint Accounts, at least one account holder should
be 60 years or above. Only individuals (Single/ Joint) can open this account.
 No minimum or maximum balance requirement
 Up to 90% financing available on deposits.
 Free Online Banking
 Free Bankers Cheques
 Profit payout on monthly basis
 No restrictions on withdrawals
TERM DEPOSITS
Fixed Term Deposits
No penalty on Premature Encashment.
Indicative Rates of Profit on Fixed Deposit Schemes
1 Month deposit 5.75% p.a
6 month 5.75% p.a
1 year 6.35% p.a
2 years 6.5% p.a
3 years 6.8% p.a
4 years 6.8% p.a
5 years 6.8% p.a
On premature encashment, profit will be calculated as per rate of last nearest completed
tenure while profit on the remaining number of days deposit held, will be calculated and paid
on the Savings Account Profit Rate, applicable at the time of Booking of deposit.

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Special Notice Deposits
Notice deposit can be issued to individuals (single or joint), charitable institutions, provident
and other funds of benevolent nature, local bodies, autonomous corporations, companies,
associations, educational institutions, firms etc., and those as ordered by a competent Court of
Law. Notice deposits are usually held for pre-specified tenors of seven days and thirty days after
which they may be encashed. If the deposit runs for a period in excess of the notice period then
the profit will be payable at the same rate up to the encashment date.
Pre specified tenors of special notice deposits
AL Habib Special Saver Certificate
Let your savings earn for you
Bank AL Habib Special Saver Certificate has a term of 3 years; the profit is paid out every six
months.
Term Deposit certificates are popular with:
 Individuals (single or joint)
 Registered Partnership
 Public & Private Company
 Registered Trust
 Government Body etc.
Applicable Indicative Rate of Profit
Over night Nil
7 days’ notice 5.75%
30 days’ notice 5.75%
1st
year ( 1st
and 2nd
profit payment) 6.25%
2nd year (3rd
and 4th
3rd
year (5th
and 6th

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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.
High Returns Reliable and Convenient
1st
year 7%
2nd
year 7%
3rd
year 7%
4th
year 7.25%
5th
year 7.25%
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.
ZMANAT ACCOUNT
Ensure achieving your goal
Bank AL Habib Zamanat Account lets you plan the achievement of your goal and assures that
your plan amount will be given along with profits when you or to your loved ones need it.

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Indicative Rate of Profit5.75% p.a
* Expected Rate of Return on deposits effective September 21, 2021.
AL Habib Zamanat Account is tailored to your needs
 Plan Tenure: 1 to 20 years
 Personalized investment plan
 No charges on premature encashment
 Free life insurance for plan tenure
 Accumulated profit based on bank’s PLS Savings Rate
 Investment plans starting from PKR 2,000 per month
 Multiple deposit options: Single Payment or Installments (Monthly, Quarterly, Semi-
annually or Annually)
 Maximum plan limit PKR 20 million
 Non-Medical limit up to PKR 5 million
 Age limit: 18 – 60 years
Free Insurance Benefits work for you
 Death Benefit
 100% sum covered
 Accidental Death Benefit
 Death benefit + 50% sum covered
 Permanent Total Disability
 50% sum covered
Treasure's Call
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
 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 credited to your account monthly.
 Minimum Rate of Return is 5.75% p.a. effective from Oct 1, 2021 which is subject to
change

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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.
Indicative Rate of Profit 7.05% p.a
* Expected Rate of Return on deposits effective September 21, 2021.
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
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.
Check out the Rate of Return on Minimum Monthly Balance.
United States dollar rate of return
Below 5000 .10% p.a
From 5000 to 9999.99 .25% p.a
From 10000 to 24999 .35% p.a
From 25000 to 99999.99 .50% p.a
From 100000 and above .75% p.a
Rate of returns for GBP & EURO
Below 5000 .10% p.a
From 5000 to 9999.99 .10% p.a
From 10000 to 24999 .10% p.a
From 25000 to 99999.99 .10% p.a
From 100000 and above .10% p.a

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KEY FEATURES AND BENEFITS
 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
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
 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
Free Life and Disability Insurance Cover
It gives us great pleasure to inform our valued customers that Bank AL Habib has arranged
Absolutely Free Insurance Cover to our existing saving accountholders. Salient features of this
insurance policy are as under:
Salient features of this insurance policy are as under
The insurance cover is provided to the extent of average balance maintained in the account
during last 90 days in case of Natural death and Permanent Disability, whereas in case of
Accidental Death the coverage provided is double.
AL HABIB ROSHAN DIGITAL ACCOUNT
Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs) and
Foreign Nationals having a Pakistan Origin Card (POC) to open and manage their accounts in
Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis
with a simple, secure & convenient online digital account opening process which will ultimately

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help them make payments, investments and avail various other banking facilities while being
abroad.
Product Features
 Free E-Statements
 Cheque Book Facility
 Debit Card Facility (PKR Account Only)
 Offered in Pak Rupee & Foreign Currency
 Free registration for Netbanking and AL Habib Mobile
 No Initial deposit or minimum balance is required
 No charges on opening, closure and maintenance of account
 Availability of 24/7 Dedicated Roshan Digital Unit (RDU)
 Available in Current & Saving account types with both Conventional & Islamic variants
 Local credits are allowed to the extent of proceeds received from permissible
investments
 Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan
Certificate, investment in Pakistan Stock Exchange, property investment etc.
 Account can be fed by Foreign Inward Remittances originating from the account holder
themselves & other formal SWIFT & Home Remittance channels
 Account is fully repatriable
 Also available in Joint Account
 Roshan Free Life Insurance
 Monthly Profit Payout on Savings Accounts
 Free welcome pack delivery globally
 No deduction of Zakat
ROSHAN FREE LIFE AND DISABILITY INSURANCE COVER
SAILENT FEATURES OF INSURANCE
 Claims are payable on the last 90 days of the average balance in a customer’s account.
 New account is eligible after 90 days of opening of the account.
 Maximum claim payable on accidental death is PKR 2 Million.
 Maximum claim payable on natural death/permanent disability is PKR 1 Million.
 In the case of a joint account, any one of the account holders will be covered.
 Admissible age limit of claim - 18 to 60 years.
Basis of Coverage
The insurance Coverage for each Member shall be equal to the last 90 days’ average balance
Maximum Limit of the RDA account will be PKR 1,000,000/- based on 90 days’ average balances
provided to the insurance company equivalent to PKR using interbank dollar exchange rate.

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PRODUCTS OF AL HABIB ROSHAN DIGITEL ACCOUNT NAYA PAKISTAN
CERTIFICATE
Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives
for growth and prosperity. The Bank now offers Naya Pakistan Certificates (NPCs), which are
PKR and USD denominated instruments issued by the Government of Pakistan with attractive
risk-free returns over different maturities.
State Bank of Pakistan (SBP) is the sole custodian of the Naya Pakistan Certificate while Bank AL
Habib is acting as an agent of the same. The booking of the certificate is subject to issuance of
the certificate by SBP.
Eligibility
 AL Habib Roshan Digital Account (RDA) Holders (Singly and Jointly Operated)
 The funds for investment in Certificates must be remitted from abroad
Currency
 Certificate can be booked in PKR & USD currencies.
 For Roshan Digital accounts in GBP and EURO, the banks shall debit the account by an
amount equivalent to the amount of investment requested in USD denominated NPCs
by applying the exchange rate prevailing at the time of execution of the transaction.
How to Invest
Investor will submit the request through Bank AL Habib Roshan Digital Account web page and
provide investment details such as; account no, tenure, currency and amount to be invested.
Funds will be debited from customers Roshan Digital Account for onward purchasing or
certificate from SBP.
Minimum Investment
 Minimum investment of USD 5,000 with multiples of USD 1,000
 Minimum investment of PKR 100,000 with multiples of PKR 10,000
We are offering this service to our valued customers as a token of appreciation of their trust
and confidence placed on us.
Premature Encashment
 Certificates can be prematurely encashed (early encashment before maturity).

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 No profit will be paid in case of encashment of certificates before completion of 3
months.
Profit/proceeds of premature encashment made after 3 months will be calculated based upon
the rates of nearest completed tenures.
Maturity
Maturity proceeds will be credited back to the investor’s Roshan Digital Account on the same
day by the Bank.
Zakat and Taxes
Zakat: The Certificates shall be exempted from compulsory deduction of zakat.
Tax: 10% Withholding Tax on profit will be applicable.
OTHER INVESTMENT OPPORTUNITIES
Open a Term Deposit Account
Invest in Bank AL Habib Term Deposits and avail attractive returns on your investments.
Download account opening form online and submit the duly completed form with all
supporting documents at RDA@bankalhabib.com On premature encashment of TDR, profit will
be calculated as per the last nearest completed tenure while profit on the remaining number of
days deposit held will be calculated and paid on the PLS Savings account profit rate applicable
at the time of booking of deposit.
GATE WAY TO EQUITY MARKET (GEM)
Stock Market at Your Doorstep
Bank AL Habib introduces Gateway to Equity Market “GEM” to facilitate customers who are
interested in investing their surplus funds in shares/securities through designated and
registered TREC Holders / Brokerage Houses.
“GEM” is being offered to all Bank AL Habib customers having conventional, saving and current
accounts. “GEM Linked Account” will be opened alongside customer’s existing bank account,
for facilitating investment in shares, settlement of trades and custodial services.
Investment in Real Estate
Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds
digitally in commercial and residential real estate in Pakistan with ease and convenience.
Salient Features

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 Direct Investment
 Investment in Registered Schemes
 Easy & Convenient Payment Options
 Relaxation in taxes
 Easy Repatriation of Funds Anytime (Terms & Conditions apply)
ROSHAN SAMAJI KHIDMAT
Charity is an act of kindness that helps bring light in to the lives of others without expecting
anything in return. To promote this noble cause, Bank AL Habib offers Roshan Samaaji Khidmat
to our Roshan Digital Account holders to donate their charity or zakat digitally. The helping
hand that you have extended to Bank AL Habib in the form of your donations will be
remembered and appreciated through time.
Thank you for supporting those in need and supporting the people of Pakistan with your
generous contribution
ROSHAN APNI CAR
We are now offering Roshan Apni Car (Auto Finance) facility to individuals having a Roshan
Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse / parents /
children residing in Pakistan.
Product Eligibility Criteria:
 Financing facility for brand new locally assembled vehicles.
 Non-Resident Roshan Digital Account (RDA) holder at Bank AL Habib Limited (BAHL) with
Resident Pakistani Spouse / parents / children as co-borrower or Resident Pakistani
having RDA at BAHL.
 Having minimum working experience as follows:
o Regular Salaried individuals with minimum 2 years’ experience of current
employer.
o Contractual Salaried individual with minimum 3 years’ experience.
o Self-Employed Professionals (SEP) and Business Individuals with minimum 3 years’
experience in similar profession / professional setup.
 Having minimum net monthly Income of:
o Employed / Working in Gulf Countries: Equivalent to DHS 10,000/-
o Employed / Working in Non Gulf Countries: Equivalent to USD 3,000/-

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 Minimum Down Payment 15-45% depending upon the variant of vehicle.
 Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency
/ Resident Card for Gulf Countries.
 Having clear credit history.
 Vehicle to be registered in the name of borrower or spouse / parent / child as co-
borrower.
 Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR
Account.
 For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on
foreign currency deposit.
 Processing fee, documentation etc. to be charged as per the Bank’s Schedule of Charges.
 Minimum age at the time of application: 25 years.
 Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP.
For lien based facility, minimum experience, minimum income requirement and restrictions of
stated jurisdictions shall not be applicable.
AL HABIB ROSHAN APNA GHAR
We believe, a 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 offers Roshan
Apna Ghar (RAG) housing finance facility for Non-Resident Pakistanis having a Roshan Digital
Account at BAHL.
This product is categorized into two sub-categories:
 RAG Standard Housing Finance Facility (SHFF).
 RAG Government Markup Subsidy Scheme (G-MSS).
BAHL housing finance is available for:
 Home Buying.
 Home Construction.
 Plot Purchase & Construction.
 Renovation for SHFF / Expansion for G-MSS.
Product Features
 Low and competitive mark-up rates.
 Tenure of financing: up to 25 years.
 Co-applicant option available (Spouse, Children, Parents, and Brother(s)).
 Flexibility to make partial pre-payments with zero charges after first year.

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 For First year 1% will be charged upon Early Termination after words NO charges will be
levied.
 Repayment in equal monthly installments
Eligibility Criteria
 Non-Resident Pakistani (NRP) having a Roshan Digital Account at BAHL.
 Valid and verifiable source of income.
 Aggregate Debt Burden Ratio up to 50% of Net Income.
 Age: Minimum 25 Years; Maximum 60 years for Salaried, 65 years for Non-Salaried.
Maximum age of salaried may be extended to 65 years based on justification that
he/she can repay even after retirement age.
 Employment/Business Tenure: Minimum 2 years.
 Satisfactory credit history.
Insurance
 Free property Insurance.
 Optional Life Insurance at customer cost.
Alternate Delivery Channels
AL Habib SMS Banking
Bank AL Habib now offers SMS banking; a smart and convenient way of keeping you in touch
with your Bank 24 hours a day, 7 days a week without the need to have a smartphone.
Key Features
 No need of a smartphone.
 The service is available on any mobile phone that can send or receive SMS.
 Users can save time and enjoy the convenience of instant banking while on the move.
 Users can perform their transaction inquiries and service requests around the clock
from their handsets.
 No dependency on internet connection or mobile App.
Eligibility Criteria
SMS Banking Services shall only be available on the following Account types.

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 Individual Account
 Sole Proprietorship Account
 Joint Account holder
 with operating instruction as “Either or Survivor
Usage Process
All existing Value Added SMS alerts subscribers will be eligible by default to use this service. If
you have not as yet subscribed to the Value Added SMS alerts:
Go to the messaging feature of your mobile and type sub <space> your 17 digit account number
<space> first and last character of network name and send to 8810.
Please view User Guide to understand the commands and processes of AL Habib SMS Banking.
You can also view the Company Codes of Billing Companies in the guide.
Benefits
Following are the services for AL Habib SMS Banking:
 Balance Inquiry Request
 Mini Statements
 Last 5 Credit Transactions
 Last 5 Debit Transactions
 Utility Bill Inquiry
 Cheque Book Request
 Mobile Balance Recharge
 E-Statement Request
 Telco Change
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 usingtelecom service provider Ufone
SIM. This service is free of charge.
BAHL Mobile Banking is available for customers having
 PKR Account
 ATM / Debit Card

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 Active Ufone SIM
 Your 13 digit CNIC number
How to Register for Mobile Banking via using Ufone SIM?
STEP 1
Dial short Code *808# from your mobile set having active Ufone SIM, Select Bank AL Habib and
follow the instructions to register with your valid CNIC.
STEP 2
Upon successful registration you will receive a confirmation SMS from Ufone.
STEP 3
To activate Mobile Banking Service contact BAHL 24/7 helpline 111-014-014 from your
registered Ufone SIM for activation of service.
One CNIC will be linked to one Ufone number
KEY FEATURES
 Check account balances
 View Mini Statements
 Transfer funds
 Bill Payments
 "Top up" prepaid mobile service providers
E-SATATEMENT
E-Statement is the electronic version of your account physical statement. You can view and print
your statement right from your computer whenever you need it. You will start receiving the e-
Statement service within three business days after registration. For different accounts you need
to update different email IDs in each account in order to get registered for each of them.
IBANKING
Bank AL Habib I Banking lets you enjoy the convenience to handle your daily banking needs
from office, home or on the go. Watch your transaction activities, download statements, pay
your bills, transfer money to any account and much more.
Accounts Services
 Balance Inquiry
 Account Statement

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 Cheque Book Request
 Cheques in Clearing
 Change Password
 Funds Transfer
 Bill Payment
 Account Usage
Supplementary Details
 Balance Inquiry
 Transaction details
 Credit Card Payment
 Account Statement
DEBIT CARDS
BAHL Debit Cards are a secure and convenient option to do shopping, pay bills, and do more
without carrying cash. You can also withdraw money from an Automated Teller Machine (ATM)
using your BAHL Debit Card
Unlike a credit card, the amount is automatically taken from your account, so you must have
the balance in your account for your transactions.

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UNION PAY DEBIT VISA DEBIT PLATINIUM VISA DEBIT GOLD
UNIONPAY APNA
DE

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PAYPAK DEBIT VISA DEBIT SILVER
SUMMARY
Daily Usage Limits
ATM CASH WITHDRAWAL 50000 75000
SUPLEMENTARY - 25000
POS
PRIMARY 100000 150000
SUPLEMENTRY - 50000
FUNDS TRANSFER
ACROSS ACCOUNTS 100000 200000
FEE 1200 750
FUNDS
Free IBFT - Upto Rs. 25,000/-
per month/per account. For
additional amount above Rs.
25,000/- per month / per
account, 0.1% of the transaction
Free IBFT - Upto Rs.25, 000/-
per month/per account. For
additional amount above Rs.25,
000/- per month / per account,
0.1% of the transaction amount
or Rs.200, whichever is lower

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SWOT ANALYSES
Strengths:
 ATMs at bank Al Habib are secured friendly and easy to access.
 Younger’s account of the bank Al Habib is good source of promotion for bank Al Habib.
 Bank Al Habib’s brand name is itself a strength
 Bank Al Habib provides online as well as physical training for its employees all over
world
 There is a huge variety of products and services
 Less risk in their banking system because they are not easily give the credit facilities to
the customer
 Rapidly expansion of branches in the different cities of Pakistan.
 Too much focus on the development and the promotion of the employees.
 Proper online banking system.
 Not too much threat of the political environment.
 Sufficient liquidity position.
 Habib schools 50% concession for the poor peoples
 Bank al Habib brand name is itself strength.
 Bank al Habib credit rating AAA depicts its credit worthiness in market
 Bank Habib bad debt ratio is less than 2% in banking sector which attract valuable
depositors in banking sector
 One of the unique strength of bank al Habib is its expertise in trade business bank al
Habib cover approximately 34% of trade business in market among other banks.
 Bank al Habib profit rates on saving deposits is comparatively high than other banks
which attracts more valuable customers.
 Bank al Habib offer variety of deposit products than other banks which satisfy the
customer’s needs.
 Bank al Habib overseas branches and subsidiaries in different countries is also its
strength which creates more revenues abroad
 Bank al Habib invest huge portion of their revenue on training of employees which
benefits them in future
Weaknesses:
 Bank Al Habib is not quick to give loans and cards.
 Not Easy application is for applying for a credit card
 No marketing for the promotion of their marketing.
 They are not high risk taker in business activities but in business the term is used “high
risk high profit, low risk low profit”
 Bank al Habib is very cautious while offering credit to customers.

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 While offering credit products they target commercial customers not assume personal credit
products
Opportunities:
 There is a lot of cushion available for Bank Al Habib in terms of expanding its network of
branches up to 1000 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.
 Bank al Habib strong grip in trade business in market so our bank has great opportunity to
attract more clients by offering variety of trade business
 Textile industries in Pakistan is at its peak level so its great opportunity for us to earn from
textile business by importing and exporting textile items
 Habib brand name is itself opportunity all time customers trust Habib brand so utilization of
Habib brand to attract valuable customer is a great opportunity for our bank
Threats:
 Day by day competition is increasing not only of the expansion of the banks but also due
to the launching of the new bank in the market e.g. Barclays.
 Circumstances of Pakistan are a great threat for the existence of the Bank Al Habib.
 More and more banks are launching their operations in Pakistan which is increasing
competition for the Bank AL Habib.
 The conventional banks those having high growth rate and high market share are always
being a threat.
 Large business parties have fewer attractions in being a client of BAHL, mainly because
of excessive amount of documentation.
 Advancement in technology now days are great challenge for our bank because
modification in previous technology affects our bank policies so it is a big threat for us.
 FATF recommendation and rules has effect our banking we must be more cautious while
taking financial decisions

P a g e | 34

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National Bank of Pakistan (NBP)
National Bank of Pakistan (NBP) is a Pakistani government-owned multinational commercial
bank which is a subsidiary of State Bank of Pakistan. It is headquarter in Karachi, Pakistan. As of
September 2021, it has 1,511 branches across Pakistan with assets of approximately USD 20.2
billion.
National Bank Limited was born as the first hundred percent Bangladeshi owned Bank in the
private sector. From the very inception, it was the firm determination of National Bank Limited
playing a vital role in the national economy. We are determined to bring back the long
forgotten taste of banking services and flavors. We want to serve each one promptly and with a
sense of dedication and dignity.
President of the People's Republic of Bangladesh Justice Ahsanuddin Chowdhury inaugurated
the bank formally on March 28, 1983, but the first branch at 48, Dilkusha Commercial Area,
Dhaka started commercial operation on March 23, 1983. The 2nd Branch was opened on 11th
May 1983 at Khatungonj, Chittagong.
National Bank of Pakistan has developed a wide range of consumer products, to enhance
business and cater to the different segments of society and meet its social responsibilities.
Some schemes have been specifically designed for the low to middle-income segments of the
population. It has implemented special credit schemes like small finance for agriculture,
business and industries, administrator to Qarz-e-Hasna loans to students, self-employment
scheme for unemployed persons, public transport scheme. The Bank has expanded its range of
products and services to include Shariah Compliant Islamic Banking products. It has also put in
place a remittance service for overseas Pakistanis to send their money back to Pakistan.
Customer Social Responsibility is a new department which provides social services
for Education, health and women empowerment.
 The bank provides both commercial and public sector banking services.
 For the year 2020, NBP was designated domestic systemically important bank (D-SIB) by
the State Bank of Pakistan.

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Deposits & Funding:
As of June 30, 2021, total deposits of the Bank were PKR 2,679.74 Bn being 10.8% higher
against year-end, 2020 level of PKR 2,418.97 Bn. The vast majority of the Bank’s funding comes
from its core customer deposit base which has continued to grow during H1 ‘2021. Customer
deposits pool-in 84.2% (PKR 2,255.23 Bn) of the Bank’s total deposits. Compared to Dec 31,
2020 level, customer deposits have increased by PKR 234.59 Bn or 11.6%. Non-remunerative
current deposits are significant at 27.6% of the total customer deposits; whereas remunerative,
but low cost current accounts deposits comprised 23.5%. On a positive note, the Bank’s CASA
ratio also improved to 85.9% (2020: 83.8%). The liquidity position of the Bank is supported by
the presence of sizeable liquid assets in relation to deposits and borrowings. Furthermore,
adequate liquidity is available through Liquidity Coverage Ratio and Net Stable Funding Ratio
over the regulatory requirements as the same amounted to 158% and 282% at Jun’21,
respectively vis-à-vis regulatory requirement of 100% for each.

P a g e | 37
Mark-up/Interest Income:
During the period under review, the Bank earned gross mark-up/interest income of PKR 108.0
Bn (-25.7%, YoY). Performing interest-bearing assets averaged PKR 2,581.10 Bn, being
marginally higher by 6.4%, YoY. The Policy rate that was 13.25% during most of H1 2020 had
been reduced to 7.0% which triggered a significant YoY drop in both interest/mark-up earnings
and expense. The Bank’s investment portfolio averaged PKR 1,566.45 Bn (Jun’20: PKR 1,403.68
Bn) and generated interest/mark-up income of PKR 64.10 Bn. Whereas, loans and advances
portfolio averaged at PKR 965.04 Bn (Jun ’20: PKR 969.12 Bn) and generated a mark-up/interest
income of PKR 42.15 Bn. Average interest-bearing liabilities increased by 2.0% to PKR 2,537.18
Bn (Jun ’20: PKR 2,487.17 Bn). Whereas, cost of funds closed at PKR 60.60 Bn (Jun ’20: PKR
96.82 Bn (-37.4%, YoY), of which 64.5% i.e. PKR 39.10 Bn (Jun ’20: PKR 61.51 Bn) was on
account of profit to the depositors. Average deposits of the Bank grew by PKR 119.86 Bn or
6.2% YoY to PKR 2,057.76 Bn. However, given our efficient deposit-mix strategy, average non-
interest bearing deposits increased by PKR 57.07 Bn contributing towards a drop in overall cost
of deposits that reduced by 257 bps at 3.83% compared to 6.40% of the same period last year.
Mark-up/interest expense incurred during the period under review on Repo transactions
amounted to PKR 13.48 Bn as compared to PKR 25.81 Bn of the corresponding H1’20.
Consequently, the Bank’s net mark-up/interest income closed at PKR 47.40 Bn, being 2.2%
lower than PKR 48.44 Bn earned during the corresponding six-month period of 2020.

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Loans and Advances:
Given the limited loan demand in the private sector, gross advances of the Bank grew
marginally by 1.7% to PKR 1,179.73 Bn from PKR 1,159.87 Bn as at December 31, 2020. The
Bank’s net advances recorded a marginal growth of 1.4% to PKR 996.95 Bn from PKR 983.25 Bn
at the end 2020. The Bank is pursuing a more risk-prudent strategy for loan growth with a focus
on small ticket loans to high quality borrowers in the SME sector.
Profit After-Taxation:
The Bank has delivered an impressive 11.7% growth in profit after-tax that closed at PKR 16.97
Bn as against PKR 15.19 Bn for the corresponding six-month period of 2020. The effective tax
rate rose to 39.4% vs. 29.7% for the corresponding period last year. It was due to the impact of
the additional 2.5% tax imposed (in the Federal Budget) on the entire income on Federal
Government Securities for banks with ADR below the defined limits. This tax was previously
imposed on the incremental component of income.

P a g e | 39
Loan Losses and Provisions:
Reflecting the economic environment triggered by the Covid-19 pandemic, the asset quality of
the Bank has come under considerable pressure in recent months. As of June 30, 2021, NPLs of
the Bank totaled PKR 184.40 Bn, being PKR 13.11 Bn or 7.7% higher than PKR 171.29 Bn at the
end 2020. The Bank prudently identified loan impairments under the expected credit loss
model to buttress its balance sheet and maintained a robust level of provisions. The Bank’s
financial results, while these show a strong increase in earnings, they also demonstrate its
resilience and ability to build necessary cushions to absorb credit losses. Accordingly, a net
provision charge of PKR 6.77 Bn (Jun ’20: PKR 15.64 Bn) has been created being PKR 7.08 Bn
against NPLs slightly off-set by PKR 0.35 Bn of reversal against diminution in the value of
investments. Consequently, the specific and general provisions held stood at PKR 162.77 Bn
(Dec’20: PKR 154.15 Bn) and PKR 20.02 Bn (Dec ’20: PKR 22.47 Bn), respectively. Gross NPL
Ratio, Net NPL Ratio and provision coverage stood at 15.6%, 2.2% and 88.3% at the end of
period under review as compared to 14.8%, 1.7% and 90.0% as of Dec 31, 2020, respectively.
BRANCH NETWORK:
 It has 1,511 branches across Pakistan
 National Bank of Pakistan has built an extensive branch network with 1450 branches in
Pakistan and operates in major business centre abroad.
 The Bank has representative offices in Beijing, Tashkent, Chicago and Toronto.
 It has agency arrangements with more than 3000 correspondent banks worldwide.
Since the very beginning, the bank has exerted much emphasis on overseas operations and
handled a sizable quantum of homebound foreign remittance. It has drawing arrangements
with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange
Companies located in 13 countries. NBL was the first domestic bank to establish agency
arrangements with the world famous Western Union in order to facilitate quick and safe
remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi nationals.
This has meant that the expatriates can remit their hard-earned money to the country with
much ease, confidence, safety and speed.
1949 National Bank of Pakistan (NBP) was established under the National Bank of Pakistan
Ordinance of 1949 and was government-owned. NBP acted as an agent of the central
bank wherever the State Bank did not have its own branch. It also undertook government
treasury operations. Its first branches were in jute growing areas in East Pakistan. Offices
in Karachi and Lahore followed.

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 1950 NBP established a branch in Jeddah, Saudi Arabia.
 1955 By this time NBP had branches in London and Calcutta.
 1957 NBP established a branch in Baghdad, Iraq.
 1962 NBP established a branch in Dar es Salaam, Tanganyika.
 1964 The Iraqi government nationalized NBP's Baghdad branch.
 1965 The Indian government seized the Calcutta branch on the outbreak of hostilities
between India and Pakistan.
 1967 The Tanzanian government nationalized the Dar es Salaam branch.
 1971 NBP acquired Bank of China's two branches, one in Karachi and one at Chittagong.
At separation of East Pakistan NBP lost its branches there. NBP merged with Eastern
Mercantile Bank and with Eastern Bank Corporation.
 1974 The government of Pakistan nationalized NBP. As part of the concomitant
consolidation of the banking sector, NBP acquired Bank of Bahawalpur.
 1977 NBP opened an offshore brain Cairo.
 1994 NBP amalgamated Mehran Bank.
 1997 NBP branch in Ashgabat, Turkmenistan commenced operations.
 2000 NBP opened a representative office in Almaty, Kazakhstan.
 2001 State Bank of Pakistan and Bank of England agree to allow only 2 Pakistani banks
to operate in the UK. NBP and United Bank agreed to merge their operations to form
Pakistan International Bank, of which NBP would own 45% and United Bank 55%.
2002 Pakistan International Bank renamed itself United National Bank Limited (UNB). The
ownership structure of the UNB remained as before. The only change to the shareholding
structure is that UNB had recently been privatized in Pakistan and was now owned 49% by the
Government of Pakistan and 51% by a joint foreign consortium of Abu Dhabi.
NBP needed to redefine its role and shed the public sector bank image, for a modern
commercial bank. It has offloaded 23.2 percent share in the stock market, and while it has not
been completely privatized like the other three public sector banks, partial privatization has
taken place. It is now listed on the Karachi Stock Exchange.
ATM Foreign:
 2003 NBP opened its branch in Kabul, and the first ATM in Afghanistan was installed
 2005 NBP closed its offshore branch in Cairo.
 2010 NBP opened its branch in Karaganda (Kazakhstan).
 2011 NBP opened its representative office in Toronto (Canada).

P a g e | 41
Remittance Mode:
 Demand Draft
 Mail Transfer
 Pay Order
 Telegraphic Transfer
 Western Union.
Demand Drafts:
A Demand Draft is created by a seller with a buyer's checking account number on it, but
without the buyer's signature. If anybody is looking for a secure, quick and reliable way to move
money, now he can purchase NBP’s Demand Drafts at very sensible rates. Any person whether
an account holder of the bank or not, can purchase a Demand Draft from a bank branch.
Mail Transfers:
Transfer your money securely and speedily by NBP Mail Transfer service. And NBP also
recommend the most competitive rates in the market. They charges Rs 80/- (for a limit of
amount 100000) exchange rate and RS 75/- postage charges on issuing mail transfer.
Pay Order:
NBP offers another way to move your funds using Pay Order facility. NBP’s pay orders are a safe
and simple way to shift your money from one place to another. And, as usual, its charges for
this service are very competitive.
Western Union:
NBP provides the facility of the Western Union. The foreign remittances can be received by
NBP’s branches.
OTHER SERVICES
 In addition the following services are also being offered at the NBP’s Branches: Handling
of salaries & pensions of Government personnel: The NBP is providing the service of
handling the salaries and the pensions of the government’s employees

P a g e | 42
 NBP Cash Card (ATM + Debit Card): The NBP gives the facility of ATM and debit cards.
Use an ATM in any of the ATM’s in Pakistan and Debit Card in any of the outlets with
ORIX POS machine. The limit of cash withdrawal is up to Rs. 20,000/- per day
Letter Of Credit:
NBP is committed to offering its business customers the widest range of options in the area of
money transfer. If you are a commercial enterprise then our Letter of Credit service is just what
you are looking for. With competitive rates, security, and ease of transaction, NBP Letters of
Credit is the best way to do your business transactions.
Government Collections:
As the NBP is the bank of government of Pakistan so it collects the government collections. All
the government challans and different fees are collected by the NBP.
Utility Bills Collection:
The NBP is also providing the facility of the utility bills collection. The utility bills are accepted in
all the branches of the National Bank of Pakistan.
Safe Deposit Lockers for customers:
The NBP provides the locker facilities to the customers at the competitive charges. An account
holder in the NBP can get Locker in branch of NBP where he/she has account.

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Deposit products
NBP ASAAN ACCOUNT
Product Type Current, Savings Deposit
Product Currency Pak Rupees
Eligibility Individual – Single
Individual – Joint (max. 1)
Product Feature PLS Saving Accounts rate of profit applicable on Asaan Savings
Account.
Free Cheques Book on Customer Request
(Initial / One time)
EMV Debit Card
Initial Deposit - Rs. 100/- only
No Monthly Minimum Balance maintenance requirement.
Bank Charges as per current tariff.
No charges on closure of Account.
Zakat and taxes, as per Law.
SMS Alert Service (subject to subscription)
Account Opening
Simplified One Page Paper-based form
Upon production of Valid Proof of Identity Document (Original)
Identified source of fund (As per Declaration on AOF)
Statement of Account As per current policy for PLS and Current accounts
Account Activation Within 3 working days – After NADRA Verisys
Transactions Limit * Total Debit per Month: Rs. 500,000
Total Credit Balance Limit: Rs. 500,000

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Restrictions * No cross border (outward) remittance transactions
Personal Appearance for delivery of cheque book at Branch.
Basic Banking Accounts Conversion into Asaan(Current) Account – upon concurrence of
Customer
NBP Choice Business Account
Type:
 Checking Current Account
Salient Features
 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
 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.

P a g e | 45
NBP Choice Individual Account
Type:
 Checking Current Account
Salient Features
 Minimum Average Balance of Rs.25,000/- required to avail the following free services:
 05 Free Issuance and Cancellation of PO / DD and CD
 01 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
 Free inter-city cheque clearing, without any restriction
 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:
Individual Account.
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

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 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:
Individual Account.
Premium Aamdani Certificate
Type:
 Term Deposit Certificate
Salient Features:
 5 year certificate with profit up to 9.50% 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 Alerts
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.

P a g e | 47
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.
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.

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Foreign Remittance Account Opening Procedure
Foreign Remittance Account enables Home Remittance beneficiaries to receive remittances
from their loved ones. Foreign Remittance Account is an easy and hassle free account for the
Home Remittance Beneficiaries. The customers can receive their home remittance with
complete peace of mind, free of any charges or taxes and be able to withdraw their funds
within Pakistan through any ATM or cheque book.
Consumer Finance Products:
Products Offered Under NBP Saibaan
1. Home Purchase (House or Apartment)
Financing Amount Upto 35 Million
Financing Period 3 to 20 Years
Debt to Equity 70:30 (Maximum)
Debt Burden 45% (Maximum)
2. Home Construction
3. Land Purchase Plus Construction
4. Balance Transfer Facility (BTF)
(If you have a Home Finance Facility outstanding with another bank you can have it
transferred to NBP.

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Hajj Applications:
NBP is committed to offering its business customers the widest range of options and it also
provide the facility of Hajj applications that are accepted in all the branches of NBP. Sale and
encashment of prize Bonds: The NBP provides the facility of encashment and sale of prize bond.
As the NBP is the agent of the State Bank of Pakistan so it is providing the services in the
absence of SBP.
Personal Loan
• Avail financing upto Rs. 3 million against your salary.
• Lowest Mark-up Rate
• Easy installments of upto 60 months at your choice.
• Quick processing and fast disbursement.
• No minimum income, collateral & insurance charges required
• for permanent employees of Government, Semi Government and autonomous bodies
receiving salaries through NBP

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Bancassurance:
Bancassurance has been specially coined for
offering, distributing and selling of various
insurance products of SLIC through NBP
branch network, as an additional service to
their existing and potential new customers.
NBP has signed a tripartite agreement with
State Life Insurance Corporation (SLIC) and
GBA Services (Pvt) Ltd. for launch of a new
Banc assurance Product.
Banc assurance includes plans which are
high value savings and investments
products designed to provide benefits to
the entrepreneurs, businessmen, lawyers,
doctors, engineers, service oriented people,
teachers, shopkeepers, factory owners,
commission agents, investors and specially
those who need money at some phase of
their lives. These plans are as follows;
Endowment Plan
Sada Bahar Plan
3 Payment Plan
For sale of Bancassurance Product, SLIC has
employed Bancassurance Sales Consultants
(BSCs). These BSC’s are duly trained and
certified and authorized for the sales of
insurance products in NBP branches.
All NBP Account holders/customers
including non- resident Pakistanis (NRPs),
Dual/foreign national maintaining an active
PKR current or savings account are eligible
for buying an Insurance product. However,
only active accounts can buy the insurance
product, provided the customer account
has sufficient funds available or the
customer deposits required funds for the
recovery of premium. NBP will debit the
customer’s or policy holder’s account vides
a premium collection system mutually
agreed between NBP and SLIC.

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Customer's age at the time of enrollment
should be within the stipulated age limits of
18-65 years of age. NBP customer having
foreign currency account shall have to open
a PKR account in order to buy any
Bancassurance policy. NRPs will have to
ensure physical presence at the time of
buying any policy.
Disclaimers
This product is underwritten by State Life Insurance Corporation of Pakistan. It is not
guaranteed or insured by NBP or its affiliates and it is not a NBP product. NBP is only
working in the capacity of a distributor.
The past performance of State Life Insurance Corporation of Pakistan is not necessarily a
guide to future performance. Any forecast made is not necessarily indicative of future or
likely performance of the funds and neither State Life Insurance Corporation of Pakistan
nor NBP will incur any liability for the same.
A personalized illustration of benefits will be provided to you by our staff. Please refer to
the notes in the illustration for detailed understanding of the various terms and
conditions.
Service charges and taxes will be applicable as per the Bank’s “Schedule of Charges” and
taxation laws as stipulated by the relevant authorities.
A description of how the contract works is given in the policy privileges and conditions.
ADC CHAANALS
EMV Debit Card
 Europay, MasterCard and Visa
 Use it as an ATM card in any of the ATM’s in Pakistan
 Use it as Debit Card in any of the outlets with POS machine across nationwide.
 Cash withdrawal up to Rs. 50,000/- per day
 Account Balance Enquiry
 Mini Statement (Only at NBP ATMs)
 PIN Change facility (Only at NBP ATMs)

P a g e | 52

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NBP digital is free, secure and user friendly smartphone app for all you’re banking needs.
Eligibility:
NBP account holder (Conventional & Islamic) can register NBP Digital.
Salient Features:
Fund Transfer & Payments
 NBP account holders can perform following transactions by using NBP Digital:
 Funds transfer to NBP account holder (Conventional & Islamic)
 IBFT- Funds transfer to any other bank account holder
 Utility Bill Payment
 Mobile Top-Up
 Credit Card Bill payment
 Government Payments
 CNIC Transfer
 UPI QR Payments
 NFC Payments (only for Android Users)
 Generate QR
Account Services
 Add multiple accounts
 Balance inquiry
 Check Account Statement (30/60/90 days)
Others
 MPIN Management
 Beneficiary Management
 Beneficiary Payment
 Search location of the nearest ATM & QR Merchants
 Device Binding
 Biometric Login (Touch ID/ Face ID)

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NBP Internet Banking
Eligibility:
NBP account holder (Conventional & Islamic) who has an Active Debit/ATM Card can register on
NBP Internet Banking
Salient Features:
Fund Transfer & Payments
 Registered users can perform following transactions on NBP Internet Banking portal:
 Funds transfer to NBP account holder (Conventional & Islamic)
 IBFT- Funds transfer to any other bank account holder
 Utility Bill Payment
 Mobile Top-Up
 Credit Card Bill payment
 Government Payments
 Internet Bill Payments
 Education Fee Payments
 CNIC Transfer
Account Services
 Link Multiple Accounts (Single & Either or Survivor account type only)
 Balance Inquiry
 Check Account Statement (30/60/90 days)
Others
 MPIN Management
 Beneficiary Management
 Beneficiary Payments

P a g e | 55

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Apna Microfinance Bank
About:
Apna Microfinance Bank managed by Group of highly experienced bankers committed and
specialized in providing financial services to less privileged / marginal poor including economic
empowerment of WOMEN & micro-entrepreneurs in the Agri and Micro enterprises in rural
areas of Pakistan. It is a private commercial Microfinance bank, currently licensed by the State
Bank of Pakistan under the Microfinance Ordinance 2001 to operate its operations nation-wide.
Our main focus is to provide personalized services to the poor segment of the society through
our dedicated Products that aims to change their lifestyle by entering them in micro-
entrepreneurs at a lowest markup rate in the market. We aim to arrange capacity building of
under-served masses by improving attitudes, skill, knowledge and ability to initiate and manage
economically viable projects. We aim to provide finances, advances and other credit facilities
for the development of agriculture and rural market sector including production, marketing and
house finance facilities. To mobilize savings by accepting deposits in Savings and other
specialized deposit products. We aim to combine the knowledge based with the modern
management methodology, latest technology, sophisticated financial instruments, universal
Micro-banking concepts and current corporate sciences. We aim to create and perpetuate a
culture of balanced approach for the development of market related competitive and
innovative financial services. Introducing a culture of innovation and excellence with a view to
find the acceptable solutions to real and conceived impediments for promoting a true micro
financial regime.

P a g e | 57
DEPOSITS
 Deposits and other accounts
 22,184,548,418 (30 June 2021)
 26,178,886,970 (30 June 2020)
 -15%
The Bank’s deposit figure stood at PKR. 22,184.548 million. The deposits have exhibited a
significant decrease of 15 % from December 31, 2020. This decline is due to a withdrawal of
approx. PKR 4,000 million by a large ticket.
ADVANCES
 Advances net of provision
 10,591,542,073 (30 June 2021)
 10,119,919,747 (30 June 2020)
 +5%
However, the management has revamped its deposit strategies which focus on building a long-
term deposits portfolio while minimizing costs of deposits. Further, with a slight increase from
the year end 2020, advances net of provision stood at PKR. 10,591.542 million. Investment-net
of provision were at PKR. 1,322.771 million. All advances are secured by personal guarantees
including gold loans amounting to Rs. 1,973.67 million (2020: Rs. 1,272.63 million).

P a g e | 58
PROFIT
 Profit / (loss) after taxation 7,896,867 (30 JUNE 21)
 Profit / (loss) after taxation 29,592,801 (June 30, 2020 )
The Bank posted a profit after tax in the current period amounting to PKR 7.897 million as
compared to a profit of PKR 29.593 million in corresponding period. The equity (net of losses) of
the Bank has grown to PKR 2,417.083 million and the total assets stood at PKR 24,960.454
million as at June 30, 2021. The earnings per share for the period ended June 30, 2021 is PKR
0.023 per share as compared to earnings per share of PKR 0.086 in the corresponding period.
INCOME
 Net Mark-up/Interest Income after provisions 973,893,838
 Income / Mark-up Accrued 2,850,639,946
Non-performing loans
 non-performing loans and advances 46,041,581 June 2021
 non-performing loans and advances 75 ,143,473 June 2020

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BRANCHES
 Total Number of Branches: 118
DEPOSITE PRODUCT
GENERAL DEPOSIT
APNA Deposit Rate
 Current Account with Rate 0.
 PLS Account with Rate of Profit 3%
TERM DEPOSITS
 Deposit for fixed period.
 Profit payable at maturity.
Pre-encashment facility without any penalty, however, rate of profit for pre-mature encashment will be
payable as last completed Term deposit period.
APNA TERM DEPOSIT ACCOUNT FOR INDIVIDUALS
SLAB 3-Month 6-Month 1-year 2-year 3-year 4-year 5-year
25000 & Above 7.75% 8.50% 9.50% 10% 10.50% 11% 11.50%
Profit Payment on Monthly Basis
Slabs 3 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
25000 and
above
6.75% 8.25% 9.00% 09.50% 10.00% 10.50% 11.00%
APNA TERM DEPOSIT ACCOUNT FOR INSTITUTIONS (OTHER THAN INDIVIDUALS)
Profit Payment at Maturity
Slabs 6 Months 1 Year
Upto 50,000,000 7.10% 7.60%
Above 50,000,000 7.30% 7.80%

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Slabs 6 Months 1 Year
Upto 50,000,000 6.85% 7.35%
Above 50,000,000 7.00% 7.50%
APNA MUSTAQBIL SARMAYA
 Eligible Persons : Senior Citizens (Above 55 years)/ Pensioners/ Widows/ Minors
 Minimum Limit : PKR 25 Thousand
 Maximum Limit : PKR 50 Million
Rate of Profit on deposit Slabs are as under:-
 Profit Payment at Maturity
 1 Year & 3 Years
 Profit Payment at Maturity
TERM DEPOSITS Duration (1 Year & 3
Year)
Slabs
Slabs 1 Year 3 Years
25000-50000000 11.00% 11.50%
TERM DEPOSITS
Slabs
Slabs 1 Year 3 Year
25000-50000000 10.00% 10.50%

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SPECIAL DEPOSIT
 APNA DSP/SARMAYA ACCOUNT (DAILY PRODUCT BASIS)
 Calculation of profit on daily products basis Payment of Profit on Quarterly Basis.
Rate of Profit on deposit Slabs are as under:-
INDIVIDUALS
SLABS RATE
Upto 500,000 4.00%
500,001 to 1,000,000 4.25%
1,000,001 to 5,000,000 4.50%
5,000,001 to 10,000,000 4.75%
10,000,001 to 20,000,000 5.00%
20,000,001 to 40,000,000 5.25%
40,000,001 to 50,000,000 5.50%
Above 50,000,000 5.75%
INSTITUATIONS (OTHER THAN INDIVIDUALS)
INSTITUATIONS (OTHER THAN INDIVIDUALS)
SLABS RATE
Upto 5,000,000 3.50%
5,000,000 to 10,000,000 3.75%
10,000,001 to 20,000,000 4.0%
20,000,001 to 30,000,000 4.25%
30,000,001 to 50,000,000 4.50%
50,000,001 to 100,000,000 4.75%
100,000,001 to 200,000,000 5.00%
Above 200,000,000 5.50%

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CONSUMER FINANCE PRODUCTS
APNI Sawari – 4 Wheeler
Loan amount: Maximum amount up to Rs. 500,000/-
A new product has been designed to cascade the Business/Personal needs of individuals who
want to purchase their new transport (4-wheelers) through AMBL financing channel. Under this
product, we will provide financing for the purchase of new vehicles meant to be used for
Business/Personal purpose only.
Requirement
 Copy of CNIC
 1 Passport Size Photo
 2 Personal Guarantees of well reputed and credit worthy persons
 Copy of CNIC of both guarantors
 Business Proof
Security/Collateral
1. Two personal guarantees of the reputed persons of the vicinity and within the range of
branch.
2. Vehicle will be registered in the name of borrower and HPA (lien) will be marked as
collateral.
3. Tracker device shall be installed in each vehicle financed and the cost of the tracker shall
be embedded in the annual insurance premium.
Advantages:
 ATM Card (Optional)
 Full range of banking services.
APNA House Loan
 Loan amount: Maximum amount up to Rs. 500,000/-
APNA House Loan
A new long-term product of Apna House Loan is designed to cascade the housing needs of the
individual of the low-income group of society and micro entrepreneurs to buy, build and

P a g e | 63
renovate houses only for residential purpose. Under the product of Apna House Loan, customer
will repay the loan through monthly payments to the bank to trigger their ultimate dream for a
house. Owning a house is a dream of every class of the society but poor segment needs funds
as assistance to buy/build or renovate houses for their livings. Apna Bank is giving easy
installment plans o cascade the loan related needs of the poor class of the society.
Requirement
 Copy of CNIC
 2 Passport Size Photos
 Copies of Latest Utility Bills (Not older than 3 months)
 Business Proof
 2- Security Cheques
Security/ Collateral
1. Equitable mortgage shall be obtained in all cases along with MOTD (memorandum of
title deposit).
Advantages:
APNA Salary Loan
 Loan amount: Maximum amount up to Rs. 150,000/-
APNA Salary Loan
The “Apna Salary Loan” product is designed for the salaried individuals of low income group of
the society to fulfill their needs enabling them to bridge up their financial shortcomings. This
product will fulfill the financing necessities of the salaried individuals to realize any urgent
financial requirement. Individuals drawing their salaries in cash are also eligible to apply for the
facility.

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Requirement
 Copy of CNIC
 2 Passport Size Photos
 Copies of Latest Utility Bills (Not older than 3 months)
 Last 3 salary slips or Salary Certificate issued by Employer.
 2- Security Cheques
Security/ Collateral
1. Two personal guarantees of the reputed persons within the vicinity/range of branch.
Advantages:
ADC PRODUCTS
ATM SERVICES
 Cash Withdrawal Maximum limit of Rs. 25,000 per day.
 Inter Bank Fund Transfer Maximum Limit of Rs. 50,000 per day.
 Bank Customers using banks own ATM may transfer Funds to account of any 1LINK /
MNET Member Bank.
Utility Bills Payments:
Bank customers by using Bank’s own ATMs may settle their utility bills for the following:-
 KESC Bills Payments
 SSGC Bills Payments
 PTCL Bills Payments

P a g e | 65
APNA MOBILE APNA BANK
All Apna Bank ATM Card holders having Ufone registered SIMs can now enjoy Mobile Phone
Service at their finger-tips anywhere any time. No GPRS, No Application Download, No Android
dependency, service can be accessed on any type of Mobile Phone
SERVICES INCLUDE
 Account Inquiries
 Mini Statement
 Utility Bills Payments
 IBFT - Interbank Funds Transfer (Apna Bank to any other IBFT Member Bank) "1 LINK /
MNET Member Banks"
 Internal Funds Transfer (Apna Bank to Apna Bank)
 Balance Upload
 Payment/Availment of Loan
MOBILE BANK SERVICES
1. As a step forward to provide value added service with use of Modern technology, Apna
Microfinance Bank in collaboration with Pak Telecom Mobile Limited (Ufone) is now
poised to extend Mobile Phone Banking service to all the customers holding ATM Cards.
Selected Features of the Mobile Phone Service are available as follows:-
2. All Apna Bank Customers having Ufone registered SIM can enjoy Mobile Banking Service
at their fingertips anywhere any time.
3. The service can be accessed on any type of Mobile Phone with no condition of GPRS,
Application Download or Android dependency. The following Services are available to
the customers:-
 Account Inquiries
 Mini Statement
 IBFT Interbank Bank Funds Transfer (Apna bank to any 1link member bank)
 Internal Funds Transfer ( Apna bank to Apna bank account)

P a g e | 66
REGISTRATION OF SIM FOR MOBILE PHONE SERVICE
 Ufone SIM user will call on by entering *808#
 Apna Bank is listed on No. 7 which is to be selected and send the request.
In response for Registration of SIM following message will appear:-
 Please enter your CNIC number as soon as the valid CNIC number against which the SIM
is issued is verified
Following message will be displayed:-
 “Successful Registration, Kindly contacts your bank for the activation of Service”.
OTC – OVER THE COUNTER BILLS COLLECTION – 1LINK
M/s 1LINK has introduced On-line Utility Bills payment which will allow the Bank’s Branches to
collect the respective Utility bills and on-line credit to the accounts of the respective Billing
Companies. The scope of this project is to extend the current utility bill payment model directly
over the counters (OTC) of banks so that the tellers at the bank counter can access the 1Link bill
payment portal directly at their counters and make the payment to the respective Billing
Companies avoiding any miss-appropriation in this regard.
Utility Bills Payment Service
The product is developed by 1LINK to extend the current utility bill payment model directly
Over the Counters of the bank’s Branches, the purpose is to establish a platform which can
facilitate bank to perform bill payment to achieve the following tasks:-
 Minimize customer’s time at the cash counter by initiating paperless transactions.
 Automation of existing cumbersome procedures.
 All Reconciliation and Settlement managed by 1LINK
 Efficient paperless handling of Bill Payment
 No need for the customer to be a bank account holder/debit card holder.
 To allow branchless banking merchants to collect payments from walk in customers.

P a g e | 67

P a g e | 68
Standard Chartered Pakistan
About:
Standard Chartered Pakistan is proud to be operating in the country as the largest and oldest
international Bank since 1863. Standard Chartered Pakistan employs more than 2,400 people
and has a network of 235 touch points (45 branches, 157 ATMs, 24 CDMs and 9 CDKs) across 10
cities. Standard Chartered Pakistan is the first International Bank to get an Islamic Banking
license and to open the first Islamic Banking branch in the country. Standard Chartered Pakistan
is the leading bank for the MNCs operating in Pakistan. The Bank is the market leader for
providing USD liquidity for Corporates and Financial Institutions in the country. Standard
Chartered Pakistan plays a leading role in providing FCY liquidity solutions through innovative
client centric structures. Standard Chartered Pakistan is a leading partner of State Bank of
Pakistan in promoting RMB and increasing its use in Pakistan, which further strengthens its role
as the main bank for CPEC led initiatives. Standard Chartered Pakistan partnered with ANT
FINANCIAL in 2019 to launch the first block chain based 24/7, cross border wallet-to-wallet
remittance service between Malaysia and Pakistan.

P a g e | 69
DEPOSITS

P a g e | 70
ADVANCES

P a g e | 71
PROFIT & LOSS

P a g e | 72
INCOME

P a g e | 73
Branches:
Network of 235 touch points (45 branches, 157 ATMs, 24 CDMs and 9 CDKs) across 10 cities.
Deposits Products:
SAVING ACCOUNTS:
Basic Saver Account:
Basic Savings Account offers you profits that are calculated on your daily balance, and
paid out twice a year
Attractive Interest
 Enjoy attractive interest rate of 5.5% APR.
 Low Fees (Open an account with an initial deposit of PKR 100/-).
 No Minimum Balance
 Profit Payout
 Profit calculated on daily balance and paid out twice a year.
High Yield Savings Account
High Yield Account offers liquidity and returns for those who need flexibility
Attractive Interest
 Interest rate of 5.5% APR.
 Profit Payout
 Profit calculated on daily balances and paid monthly.
 Minimum Average Balance Requirement
 Average balance requirement as low as PKR 500,000.
 Initial Deposit
 Initial Deposit of PKR 500,000.
Pakistani Resident
 Application Eligibility
 Nationality: Pakistani
 Age: 18 years and above

P a g e | 74
 Documents Required:
 Proof of Nationality /National ID card
 Proof of residence either electricity bill water bill, tenancy agreement
addressed in your name
 Employer confirmation letter/ward executive letter, photo of your face(selfie)
Non Resident Pakistani
 Proof of Nationality either Passport/National ID card/Voter ID Card
Bonus Saver Account
Earn a rate up to 5.65% APR on this high return bonus account
Benefits
 Enjoy 5.6% APR interest rate on your savings account
 Bank at PKR 500K minimum balance
 Get 24/7 access to your funds via online banking and SC mobile app
Attractive Interest
 Profit Payout

P a g e | 75
 Minimum Average Balance Requirement
 Average balance requirement as low as PKR 500,000.
 Initial Deposit
 Initial Deposit of PKR 500,000.
Resident Pakistani
Return rate
Now, you can get a high rate of return without locking in your funds in a term deposit. You can
access your funds with a cheque-book or Debit Card.
 Tiers (PKR) Rates
 PKR 0 – 1,499,999 at 5.5% APR
 PKR 1,500,000 and above at 5.65% APR

P a g e | 76
*The rates are indicative and may change from time to time at the bank’s discretion.
**Rates are quoted on Annual Percentage Rate (APR) basis.
Basic Banking Account
Enjoy unrivalled security and liquidity with the Standard Chartered Basic Banking
Account
Benefits
 Bank at Zero minimum balance
 Enjoy Free bill payment via online and mobile banking
 Resident Pakistani

P a g e | 77
Pension Account
 Earn a rate of 5.5% APR
 Bank at zero minimum balance
 Enjoy 5.5% interest rate on your savings account
 Enjoy free bill payment via online and mobile banking
Benefits
 Enjoy 5.5% interest rate on your savings account
 Bank at Zero minimum balance
Account Features
 Attractive Interest
 Initial Deposit
 No initial deposit.
 Minimum Balance Requirement
 No minimum balance requirement.
 Profit Payout
 Profit payout on bi-annual basis.
Pakistani Resident

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Easy Account
 A simple banking solution that gives you 5.5% APR on your savings
 Enjoy free bill payment via online and mobile banking
 Avail 5.5% APR interest rate on your savings account
Benefits
 Avail 5.5% APR interest rate on your savings account
Account Features
 Attractive Interest
 Enjoy attractive interest rate of 5.5% APR.
 Profit Payout
 E- Statements
 You receive free e-Statements daily, weekly or monthly depending on your
preference.
 Online And Mobile Banking Access
 Get full access to your account, transfer funds, and make bill payments, mobile
money transfers and airtime purchases via Online and Mobile Banking.
Pakistani Resident

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