Bank Al Habib

What Bank Al Habib does

Bank Al Habib is a Pakistani commercial bank incorporated in 1991 and headquartered in Karachi, listed on the Pakistan Stock Exchange under the ticker BAHL. It serves individual consumers, SMEs, corporate clients, agricultural borrowers, women, and overseas Pakistanis through a dual conventional-and-Islamic banking platform. The bank operates 1,348 branches and sub-branches across 554 cities, including 150 dedicated Islamic Banking branches and 145 Islamic Banking windows, complemented by digital channels (AL Habib Mobile App, Netbanking), ATMs, Cash Deposit Machines, and a 24/7 call center.

The bank's core technology stack centers on regulated payment and digital banking infrastructure, including participation in the State Bank of Pakistan's Raast instant payment system, the Pakistan Single Window for trade facilitation, an integrated Gateway to Equity Market (GEM) for Pakistan Stock Exchange investing, the AL Habib FX Gateway for foreign exchange, and the Roshan Digital Account for overseas Pakistanis. Sub-brands include AL Habib Woman, AL Habib Signature (premium banking), AL Habib Digital Account, AL Habib Exchange, and Islamic Apni Car auto finance. Card products span Visa (Classic/Gold), UnionPay, Platinum, Signature, Woman-specific, and Freelancer FCY variants.

Revenue is generated primarily through interest income from lending (consumer loans, home financing, auto finance, SME and corporate credit), fee-based income from accounts, transfers, trade, and FX services, and profit-sharing income from Islamic financing products including Murabaha and Mudaraba. Distribution relies on the physical branch network for relationship and high-value transactions, digital self-service for transactional banking, and dedicated segment channels (women, freelancers, NRPs, agriculture). The bank reported 2025 consolidated profit-after-tax of Rs. 32.46 billion, down approximately 23% year-on-year, with a 2025 total dividend per share of Rs. 15 (vs Rs. 17 in 2024).

Name

Bank Al Habib

Legal name

Bank AL Habib Limited

Website

https://bankalhabib.com

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank Al Habib is a Pakistani commercial bank offering conventional and Islamic banking through 1,348 branches across 554 cities, serving retail, SME, corporate, agricultural, women, and overseas-Pakistani customers with full digital and physical channels.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industries

Islamic Retail Banking (FSABAGAA), Islamic Corporate Banking (FSABAGAC), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF), Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

Keywords

• Retail banking services
• Islamic banking
• Corporate banking
• Trade finance services
• Consumer lending

Headquarters

HQ city

Karachi

HQ country

Pakistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including consumer loans, home financing, auto finance, and business loans.
2. Fee-based Income: Transaction fees from account services, fund transfers, trade services, and banking operations.
3. Islamic Banking Income: Profit sharing mechanism from Islamic banking products including Murabaha, Mudaraba, and other Shariah-compliant financing.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Bank Al Habib is a Pakistan-based commercial bank that provides personal banking (current accounts, savings accounts, term deposits, debit/credit cards, consumer loans, auto finance, home financing), business banking (corporate, SME, trade services, cash management, agriculture banking, FX), Islamic banking, and digital banking services through 1,348 branches across 554 cities as well as mobile and internet banking channels.

Product overview

Bank AL Habib operates as a dual-platform bank offering both Conventional and Islamic Banking services in Pakistan. The Conventional Banking platform provides personal banking (current accounts, savings accounts, term deposits, foreign currency accounts, debit/credit cards, home remittance, auto financing), business banking (corporate banking, SME banking, trade services, FX gateway, cash management, agriculture banking), and digital banking channels (AL Habib Mobile App, Netbanking, ATM, CDM services). The Islamic Banking platform operates 150 branches and 145 windows nationwide, offering Shariah-compliant versions of all major products including current accounts, savings accounts, term deposits, auto financing (Apni Car), and investment services. Additional specialized services include GEM (Gateway to Equity Market) for stock market investment, Raast instant payments, Roshan Digital Account for overseas Pakistanis, and AL Habib Woman banking targeting women customers with specialized products.

Differentiator

Problem solved

Functional benefit

Brands

• AL Habib Digital Account: Digital account opening and banking platform for convenient online account management.
• AL Habib Roshan Digital Account
• AL Habib Woman
• AL Habib Signature Account
• AL Habib Mobile App
• Netbanking
• Raast
• Gateway to Equity Market (GEM)
• AL Habib FX Gateway
• AL Habib SME Banking
• Apni Car Auto Finance
• AL Habib Exchange

Products and services

• Current Plus Account Current account meeting business-related and individual needs for convenient and secure banking with enhanced features.
• AL Habib Digital Account Digital account enabling customers to open accounts online and bank digitally with convenient access to banking services.
• AL Habib Roshan Digital Account Facilitates overseas Pakistanis with simple, secure and convenient online digital account opening without visiting a branch.
• Saving Accounts Personal savings accounts offering varying profit rates based on account type for individual customers.
• Term Deposits Fixed deposit accounts with locked-in tenure offering higher returns based on deposit amount and duration.
• Foreign Currency Accounts Accounts held in foreign currency for international customers, exporters, and those receiving remittances in foreign currency.
• Home Remittance Instant remittance service free of cost to sender and receiver in Pakistan for expatriate Pakistanis.
• Raast Instant Payment System Pakistan's first instant payment system enabling end-to-end digital payments among individuals, businesses and government entities within seconds.
• Credit Cards Classic and Gold Credit Cards offered to existing account holders with lifestyle benefits and discounts.
• Debit Cards Secure and convenient debit cards for shopping, bill payments, ATM withdrawals, including Visa Debit, Platinum, Signature, Woman-specific, and Freelancer FCY cards.
• Individual Financing Consumer loans, auto finance, and housing finance facilities for individuals to meet personal credit needs.
• AL Habib Signature Account Personalized banking experience for high-net-worth customers with exclusive benefits and premium services.
• AL Habib Woman Banking services empowering women through prompt, convenient and affordable financial access including woman accounts, woman debit card, consumer loans, and Agri Woman.
• Corporate Banking Comprehensive banking solutions for corporate customers including cash management, trade services, and financial institution relationships.
• SME Banking Banking services tailored for small and medium enterprises including specialized financing and cash management solutions.
• Agriculture Banking Banking services for the agricultural sector supporting farmers and agri-businesses with specialized products.
• Trade Services Trade finance facilities including documentary letters of credit, export/import LCs, and correspondent banking relationships.
• AL Habib FX Gateway Foreign exchange services for business customers enabling international transactions and currency management.
• Cash Management Liquidity and cash flow management solutions tailored for business clients with customized cash management strategies.
• Gateway to Equity Market (GEM) Facilitates account holders to invest in listed companies of Pakistan Stock Exchange (PSX-KMI All Shares) through an end-to-end automated system for investment, trade settlement, and custodial services.
• AL Habib Mobile App Mobile banking application for iOS and Android enabling customers to bank on the go, transfer funds, pay bills, track spending via E-statement facility, and access exclusive deals through Bookme.pk integration.
• AL Habib Netbanking Internet banking platform for online account management, fund transfers, bill payments, and access to banking services. New Netbanking platform introduced with enhanced security features.
• Cash Deposit Machine (CDM) Self-service machines allowing customers to deposit cash instantly without visiting a branch.
• Islamic Banking Services Shariah-compliant banking platform operating 150 Islamic Banking Branches and 145 Islamic Banking Windows nationwide, offering current accounts, savings accounts, term deposits, auto financing (Islamic Apni Car), and trade finance.
• Islamic Apni Car Auto Finance Shariah-compliant auto financing facility for purchasing vehicles with convenient repayment plans.
• Profit Sharing Mechanism Islamic banking profit and loss distribution mechanism showing historical profit sharing ratios and weightages for deposit products.

Quantifiable outcome

• Profit-after-tax of Rs. 32.46 billion in 2025

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• Pakistan Stock Exchange (PSX)coreTechnology or IntegrationThrough the Gateway to Equity Market (GEM) platform, Bank Al Habib provides customers access to Pakistan Stock Exchange for investment in listed companies (PSX-KMI All Shares), trade settlement, and custodial services.
• State Bank of Pakistan (SBP)coreStrategic or Co-development PartnerBank Al Habib participates in SBP initiatives including Raast instant payment system, National Financial Literacy Program (NFLP), Deposit Protection Mechanism, and various regulatory programs.
• VisacoreTechnology or IntegrationBank Al Habib offers Visa Debit Cards and Credit Cards (Classic and Gold) to customers, with exclusive dining discounts and benefits on UnionPay debit cards.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Bank Alfalah Limited: Pakistani commercial bank with similar conventional and Islamic (Alfa) product suites, aggressive digital banking, and a comparable branch network targeting retail, SME, and corporate customers.
• Allied Bank Limited: Pakistani commercial bank with parallel retail, corporate, Islamic (AITEM), and digital offerings that compete for the same SME, consumer, and remittance customers as Bank Al Habib.
• Faysal Bank Limited: Pakistani commercial bank offering directly comparable conventional and Islamic banking products across retail, SME, and corporate segments, with similar digital and branch distribution.
• BankIslami Pakistan Limited: Full-fledged Islamic bank in Pakistan offering directly comparable Shariah-compliant current, savings, financing, and digital banking products competing for the same Islamic banking customers.
• MCB Bank Limited: Large listed Pakistani commercial bank providing directly comparable personal, corporate, agricultural, Islamic, and digital banking services across a similar branch footprint.
• United Bank Limited (UBL): Major Pakistani commercial bank with overlapping retail, corporate, SME, Islamic, and digital banking products and a comparable nationwide branch and digital footprint.
• Habib Bank Limited (HBL): Pakistan's largest commercial bank offering a similar full-spectrum personal and business banking franchise with comparable deposit, lending, Islamic, digital, and branch network operations, plus a familiar Habib-family heritage.
• National Bank of Pakistan: State-owned Pakistani commercial bank with a comparable mix of personal, corporate, agricultural, trade, and treasury services and an overlapping distribution network.
• Meezan Bank Limited: Pakistan's largest dedicated Islamic bank, directly comparable to Bank Al Habib's Islamic Banking arm in Shariah-compliant deposits, financing products, and branch rollout strategy.

Broad incumbents

• Standard Chartered Bank Pakistan: International bank's Pakistani franchise focusing on corporate, trade, treasury, and priority banking with overlapping capabilities in trade finance, FX, and high-net-worth segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Bank_AL_Habib

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Al Habib