Alfalah At Work

Abu Dhabi Group – A Winning Partnership with Pakistan

• Leading business conglomerate in the Middle East .

• Single largest foreign investor in Pakistan – Over US$ 7.4 Billion in total assets
• Diversified set of businesses in Pakistan, Bangladesh, Afghanistan, UAE.
• Over 10,000 employees.

Largest Satellite Services Healthcare Services

250,000 customers. 14,000 KM Primary & secondary care.
of fiber optic backbone across Surgery services. Pathology
23 cities. One of the largest Assets USD 7.4b Diagnostics. Imaging
distributor of WiMAX Network with over 650 Services and In-home Care.
nationwide. branches, 190+ cities,
1.4M+ customers. 5th
largest Private Bank in
Pakistan.

Real Estate
General Insurance Multi-use development on 11.5
Underwriting business acres, 5 Star Hotel, Iconic
with a paid-up capitlal of Office Tower, Shopping Mall,
PKR 300M and presence in 9 Residential Apartments.
major cities across Pakistan.
Bank Alfalah – Our History & Presence

Operating in Pakistan A network of over 650 Largest credit card issuer

since 1997, Bank Alfalah
has grown to become the
5th largest Private Bank in
the country by balance
sheet
branches in 190+ cities and acquiring base in
with an international Pakistan with around 22,000
presence in Afghanistan, POS Terminals (45% market
Bangladesh, a wholesale share) and 650+ ATM’s
banking unit in Bahrain
and a representative office
in UAE
Alfalah At Work – A Comprehensive Worksite Program

 Bringing the Bank to the workplace

 Convenience and access to a wide spectrum of products and services

Salary Accounts Onsite Onsite ATM Booths at locations

for all Account deployment for Loan &
Employees Opening bancassurance
facility facilities
Alfalah At Work – A Comprehensive Worksite Program
Convenience &
Accessibility
• VISA Debit card with a
host of privileges
• A full suite of Internet &
Mobile Banking services
• 24 hour access to BAF call
centre (111-225-111)
• SMS Alerts
• E-statement facility
• Over 650 branches in
190+ cities
• Mobile Wallet & Cards for
non-management staff.
Loans & Insurance Exclusive
Benefits Privileges
• Alfalah loan facilities • Waivers on account
for your employees services*
 Corporate Credit Cards • Dedicated
 Individual Credit Cards Relationship Manager
 Personal Loans • Onsite account
 Car Financing opening/loan services
 Home Financing • Same day salary
transfer
• Wide range of
Insurance products for
your employees.
 Child educations plans
 Pension plans
* Applicable on Payroll Current
Account
 Health Insurance
 Marriage Plans
Alfalah At Work: Payroll Accounts
Exclusive Benefits for your Full-time Faculty /
Management staff
Transactional Privileges

 NO Minimum Balance Required

 FREE Cheque Book

 FREE Debit Card Issuance and Renewal

 FREE Pay Orders and Demand Drafts

 FREE Cash withdrawals from any bank’s ATM nationwide

 FREE Bank Statements & Bank Certificates

 FREE Bank Reference Letters

 FREE E-Statements

 NO Online intercity clearing charges

 NO restriction on the number of debit & credit transactions

Note: Applicable on Payroll Current Account

Convenience & Accessibility: Internet & Mobile Banking
A host of payment and account management services for your Bank Accounts and Credit Cards

• Balance Enquiry & Mini Statements

• Account statement for your required time period
• Transfer funds between your Bank Alfalah accounts
• Transfer funds from your account to other Bank Alfalah
account holders
• Interbank Funds Transfer (IBFT) Service
• Utility Bill Payments
• Loan & Credit Card Payments
• Buy mobile phone airtime and more

Alfa MobileApp allows customers to remain connected

with all their banking relationships through their smart-
phones. Through the Alfa MobileApp, customers can
conduct regular banking transactions at their convenience
24 hours a day.
Mobile Wallet & Cards
A secure and convenient way to transfer
salaries to Part-time invigilators / Third-
party / Contractual Staff
The Product
• Branchless Banking Payroll cards is a user friendly solution that will allow companies to disburse salaries
directly into the Mobile Wallet Accounts of the employees.
• Mobile account linked to a card.
• Salaries are directly disbursed to the accounts at the prescribed time.
• To get cash, the Card-holder or their family members can visit any Alfalah or 1-Link ATM across Pakistan, or
over 23,000 Branchless Banking Agent locations.
• Secure – BB Payroll Card is the safest way of disbursement of salaries for the organization and the
employees, where there is no involvement of cash.
• Cost Effective - It is cost effective as Bank will not charge any transaction fee.
• Simple – Deployment is simple and & execution is fast.

Transactional Privileges
 Balance Enquiry
 Transaction History
 Cash withdrawal (Card based/ATM)
 Top up
 Bill Payments
 Donations
 Retail Payments/Purchases
 Funds Transfer
Advantages & Benefits

For the Institution:

 Hassle free, cost effective & saves time

 Simplified enrolment process for organizations & employees
 Secure as removes cash management challenges
 Availability of transactional records and reports

For the Employees:

 Monthly salary will be directly transferred in the payroll wallet account every month and will be
instantly accessible through debit card
 The individual will be notified through regular SMS alerts
 The individual will not have to wait in lines at a bank to cash cheques
 The individual will not have to go through the extensive requirements to open an account in the
branch. It’s a one pager form only.
Lifestyle and Savings Needs
Bank Alfalah Consumer Finance
Credit Cards

You may choose from a range of Platinum, Titanium, Gold and Classic cards, offering
features such as
 Cash Advance
 Utility Bill Payments
 Foreign Transactions
 SMS Alerts
 Cash Withdrawal (up to 50% of credit limit) facilities at customer`s disposal.
 Exclusive dining discounts at various restaurants across Pakistan

Personal Loans
Our individual loans are designed exclusively for customers who want ready financing for important
events like their child’s wedding / education or for a general upgrade in lifestyle.
 Financing of up to PKR 2 Million
 Affordable markup rates
 Fixed and variable pricing options
 Repayment tenure up to 5 years
 Partial payment option to reduce liability
 Loan top-ups for more financing
Bank Alfalah Consumer Finance
Home Finance
 Buy Your Home : Providing required financing up to 70% of the assessed
value of the property.
 Build Your Home: Financing up to 100% of the construction cost on already
owned plot. Finance for plot purchase and subsequent construction thereon.
 Renovation: Financing up to Rs. 3.5 Million for home improvement &
renovation.
 Payment period ranges from 3 to 25 years

Car Finance
 Priority processing & Turn Around
 Minimum Documentation Requirements
 Variable & Fixed rates to cater to every Budget
 No Termination Charges on car Replacement
 Balloon Payment Options
 Deferred Insurance & Registration Charges
 Presence in 170+ cities
Bancassurance Privileges

• Rida Marriage Plan is a unit linked product especially designed

to meet wedding, education and career milestones of customer’s
children.

• Roshni Education Plan is a unit linked product designed to

safeguard customer’s child education and ensure the beneficiaries
stay financially stable in case of customer’s' death.

• Sahara is a unit linked Endowment Plan that acts as a

protective cover while the customers save for life after retirement
and provides them with regular pension on retirement.

• Kamil –Takaful Savings Plan is an easy and affordable

membership plan issued to the participants that provides a cash
benefit at the occurrence of the covered events.

• Alfalah Tadbeer is a family Takaful plan that allows Bank

Alfalah account holders to save and invest in a Shari’ah compliant
manner while having a significant level of family Takaful coverage.

• Alfalah Danish Education Plan is an easy and affordable

solution where the customers can make regular contributions to
the Window Takaful Operator from the date the customer acquire
membership of the plan to build up a Participant Investment
Account (PIA) by the time the customer’s child enters college.

• Alfalah Uroos Marriage Plan is an easy and affordable solution

where the customer can make regular contributions to the
Window Takaful Operator from the date the customer acquire
membership of the plan to build up Participant’s Investment
Account (PIA) by the time of the customers child’s marriage.
Alfalah At Work: How you benefit..

 Comprehensive banking solutions

under one roof

 Convenience in day to day banking

needs

 Single point of contact for salary

disbursement of all employees

 Ease of accessibility through a

hosts of alternative solutions and a
wide geographic footprint

 Access to a wide spectrum of

products and services
Alfalah At Work: How do we start…

Presentation to Management /
Employees

MOU/ SLA signing

On Site Account Opening /

Service Desk

Client on boarding