Bank Al Habib Ltd.
PPSX:BAHL148.92
PKR
-1.00
(-0.67%)
Bank Al Habib Ltd.
PSX:BAHL
(Pakistan Stock Exchange)
Recent
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148.92
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ROIC.AI
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- Bank AL Habib Limited is a Pakistan-based commercial banking institution engaged in providing a comprehensive suite of conventional banking, Islamic banking, trade finance, treasury, and wealth management solutions to individual, small and medium-sized enterprise (SME), commercial, corporate, and institutional clients. Founded in 1991 and headquartered in Karachi, Pakistan, the bank operates across five core business segments: Retail Banking, Commercial and Corporate Banking, Islamic Banking, Treasury and Capital Markets, and International Banking. The company's primary products and services comprise: retail and consumer banking offerings, including current accounts, savings accounts, fixed and term deposit receipts, foreign currency accounts, Roshan Digital Accounts for overseas Pakistanis, home finance, auto loans, personal loans, debit and credit cards, bancassurance, and payroll management services; commercial and corporate banking solutions, including working capital finance, term loans, syndicated financing, project finance, cash management, supply chain finance, structured trade finance, agricultural credit, and SME financing facilities; trade finance services, including import and export letters of credit, bank guarantees, bid bonds, performance bonds, export refinancing, documentary collections, and bill discounting; Islamic banking products offered under the AL Habib Islamic Banking brand, encompassing Shariah-compliant deposit schemes, Murabaha, Ijarah, Diminishing Musharakah, Istisna, Salam, and Islamic trade instruments; treasury and capital market operations, encompassing foreign exchange trading, money market transactions, sovereign debt securities dealing, fixed-income investments, interest rate and currency risk management, and liquidity solutions; and digital banking services, including the AL Habib Digital mobile banking application, internet banking portals, biometric digital account onboarding, electronic Know-Your-Customer (e-KYC) verification, Raast instant payment integration for person-to-person (P2P) and person-to-merchant (P2M) transactions, utility bill processing, and automated teller machine (ATM) services. In addition, through its subsidiary AL Habib Asset Management Limited, the institution offers open-end mutual funds, investment advisory, and voluntary pension schemes. Geographically, Bank AL Habib maintains an extensive domestic network of over 1,100 branches and sub-branches across urban and rural centers in Pakistan, supported by an international footprint comprising a wholesale banking branch in the Kingdom of Bahrain, a branch in Malaysia, and representative offices located in the United Arab Emirates (Dubai), the People's Republic of China (Beijing), the Republic of Kenya (Nairobi), and the Republic of Turkey (Istanbul). In recent major operational and strategic developments, Bank AL Habib established and operationalized AL Habib Exchange Company (Private) Limited as a wholly owned subsidiary following foreign exchange sector structural reforms enacted by the State Bank of Pakistan, expanding its retail foreign exchange and cross-border remittance capabilities. The bank has substantially broadened its digital banking infrastructure through the rollout of upgraded mobile application interfaces, automated remote account opening systems, and full integration with the national Raast instant payment settlement architecture. Additionally, the bank has continued the strategic expansion of its dedicated AL Habib Islamic Banking branch network to meet accelerating domestic demand for Shariah-compliant banking services, while expanding its sustainable finance framework by integrating comprehensive Green Banking Guidelines and Environmental and Social Risk Management (ESRM) protocols into its corporate and commercial lending operations.