BANK ALFALAH

DEPOSITS ACCOUNTS
 Current Accounts
 PLS Savings Account
 
 Royal Profit
 
 Basic Banking Account
 
 Alfalah Kifayat
 
 Alfalah Mahana Amdan
 
 Alfalah Education
 
 Alfalah Kamyab Karobar

REMITTANCE:
Through our international correspondent banking relationships we provide direct and indirect foreign
currency remittance facility around the world

LOCKERS:
Bank Alfalah provides safe deposit locker facility to its customers for safe keeping of their valuables like
documents, securities and jewellery etc.

Important features of lockers facility are as follows:

 Various sizes to choose from small, medium & large.

 
 Annual locker rent ranges from Rs.2,000/- to Rs.4,000/-.
 
  Locker rent is waived for customers maintaining a minimum deposit of Rs.2 million in current
account or above US $25,000/- in a current account or US $50,000/- in a savings account.
 

Locker Rates

The annual license fees of the following sizes of lockers will be as follows:

 
Locker Size Charges

Key Deposit:    Small Rs.2000/- Rs.2000/- 

(Refundable) Medium Rs.3000/-
Large  Rs.4000/-
The license fees lockers will be payable in
advance every year and no part of the same shall
be refundable in any circumstances.

STRUCTURED FINANCE:
Structured Finance Department comprises a team of hand picked professionals, dedicated to syndicated
loans and structured products. The team’s expertise is well known in the marketplace with its capability to
assist public & private sector entities, major financial institutions, multinational corporations, domestic &
international institutional investors in innovative financing including underwriting & private placements.

The scope of SFU’s activities also encompasses advisory assignments, such as privatization, Mergers &
Acquisitions (M&As), domestic listings, IPOs and restructuring.

During the past few years, SFU has been successful in sourcing and participating in a number of prestigious
transactions involving large amounts.

Some of the value added services offered by SFU include the following:

 Loan syndication
 
 Public floatation of Term Finance Certificates (TFCs) and equity
 
 Private placement of Term Finance Certificates (TFCs) and equity underwriting
 
 Guarantee syndications
 
 Financial restructuring
 
 Mergers & Acquisitions (M&As)
 
 Fostering joint ventures
 
 Privatization – Sale side and buyers side advisory
 
 Structuring new financial instruments

In future, SFU is envisaged to supplement the enhanced profile and profitability of Bank Alfalah Limited
through its value added services, through both asset building and income generating aspects

CREDIT CARDS:
Your Bank Alfalah Credit Card is your partner everywhere and is globally accepted and welcomed at locations
displaying the VISA logo. It is accepted at over 29 million locations in more than 200 countries around the globe
and over 27,000 Bank Alfalah’s establishments in Pakistan.
 
Alfalah VISA lets you pay for shopping, travel, entertainment, meals and much more. Card members are facilitated
through a number of promotions from time to time. In addition, there are a number of strategic business
partnerships with leading local and international brands for purchase of home appliances at exciting Step-BY-Step
(SBS) monthly installment plan with free home delivery at lowest interest rates. Salient features are:

 No Joining / Annual / Renewal fee (except Platinum cards)

 Electricity, Sui Gas, PTCL and Warid bills payment through 24 hour Call Center and Auto Debit instructions
 SMS for card usage, mini statement, payment receipt confirmation, etc.
 Cash withdrawal at all 1LINK ATMs
 Special offer on Warid post paid connections

Rush now to avail matchless features offered by Alfalah VISA.

 
Platinum Card  
  It is accepted at over 29 million locations in more than
Gold
200 /countries
Classic  around the globe and at over 27,000
Aestablishments more
in Pakistan.for
perfect card combination detail
all segments of salaried &
professional individuals. more detail
Titanium  

Titanium MasterCard is your partner everywhere and is

globally accepted and welcomed at locations displaying
the MasterCard logo. more detail

Supplementary Cards  
Now you can give Supplementary Cards to anyone you
care for... more detail

Alfalah HilalCard - The International Visa

Debit Card
The Alfalah HilalCard is an International Visa Debit Card which gives you an unlimited access to your current
/ savings account with a simple swipe, at millions of retail shops and ATMs, worldwide.

Why Should you apply for the Alfalah HilalCard?

 No Interest
 No Minimum Income Requirement - all you need to do is open an account in any branch of Bank
Alfalah Limited
 No PIN required for Retail Transactions
 Accepted at more than 1 Million ATMs and 29 Million retail outlets around the world.
FEATURES OF BANK ALFALAH:
Money Market

 Short term money market inter-bank trading.

 
 Active Treasury Bills trading in secondary market.
 
 Forward – forward inter-bank money market trading.
 
 Money market linked lending to and borrowing from corporate clients.
 
 

Foreign Exchange Market

 Active trading in ready and forward USD/PKR.

 
 Active quotations of foreign exchange rates in fifteen major currencies.
 
 Information in respect of prevailing rates of most of the currencies of the world for corporate clients
and individuals.
 
 Forward – Forward foreign exchange rates of USD/PKR.
 
 Active swap trading in USD/PKR and other major currencies such as EUR, GBP, JPY and CHF.
 
 

Investment

 Active Investment in treasury bills (TBs).

 
 Active Trading in Pakistan Investment Bonds (PIBs).
 
 Active investment in Certificate of Investment (COIs)
 
 Active investment in Terms Finance Certificates (TFCs)
 
 

Government Securities

 Efficient service for individuals and corporate clients for buying and selling govt securities on their
appropriate requests.
 
 

Custodianship

 Investment Securities Portfolio Accounts of Customers for holding on their behalf  Treasury Bills,
Pakistan Investment Bonds.
 

Financial Advisory Services

  Briefing on current information available in market in respect of prevailing rates of USD/PKR.
 
 Briefing on current information available in market in respect of foreign exchange rates of major
foreign currencies.
 
 Future expectations and sentiments on major foreign currencies including Pak.Rupees.

Bank Alfalah limited, in collaboration with MoneyGram, offers remittance service to Pakistan.MoneyGram
is person to person money transfer service that allows consumers to receive money in just a few minutes.
 

Secure and reliable:

An extensive network of quality agents, linked by computer, will transfer your money safely and ensure that
it is handled with care and without delay. Thousands of people already use the MoneyGram service all over
the world. It is trusted for its reliability and security.
 

Convenient and fast:

MoneyGram is available in over 180 countries and territories and in more than 190,000 locations worldwide.
With MoneyGram your money is transferred immediately and usually arrives at the receiving end within 10
minutes while other services can take days or weeks. There are no complicated procedures and you do not
need a bank account or a credit card. What’s more, the receiver is handed the cash immediately.
 

Free message service (for senders):

There is also an added personal touch-you can receive a 10 word message from the sender with every
transaction at no extra cost.
 
CORPORATE BANKING:
Murabaha Finance

 Types of Murabaha:
 
o Local purchases: For purchase of locally available goods
  
o Imported goods/commodities/assets
 
 Mode of repayment:
 
o Immediately in cash
 
o On a mutually agreed future date
 
o Spot Murabaha (Import)
 
o Deferred Sale Murabaha

 Trade Finance

 Imports
 
 o Letter of Credits
 
o Import Murabaha Finance
 
o Full range of services related to imports e.g. Contract registration, Import bills for
collection, Shipping Guarantees and Advance payments against imports.
  
 Exports
 
o Export Murabaha Finance
 
o SBP Islamic Export Finance Scheme
 
o Other export related services e.g. Collection of export bills, Negotiation under Sight LCs,
Advising/Confirmation/Transfer of Letter of Credits opened by other banks
 

Bank Guarantees
A host of Guarantee types are offered by BAL-IBD including performance, financial and payment guarantees.
BAL-IBD also issues guarantees securing financing facilities to be availed from Islamic Banks and/or
Conventional Banks’ under Islamic modes of financing.