Investors Relations

Investor Portal

Details of Contact Person Designated to Handle Investor Complaints & Grievances:

  • Email

    complain@arifhabibltd.com

  • SMS

    0321-8210616

  • Call (Complaint Department)

    +92 21 111 245 111 Ext. 218

  • Commission Complaint Lodge Link:

  • [Disclaimer: "In case your complaint has not been properly redressed bu us, you may lodge complaint with the Securities and Exchange Commission of Pakistan(the "SECP"). However, please note that SECP will entertain only those complaints which were at first directly requested to be redressed by the company and the company has failed to redress the same. Further, the complaints that are not relevant to SECP's regulatory domain / competence shall not be entertained by the SECP."]


  • PSX Complaint Lodge Link

    https://csir.psx.com.pk/

  • Investor Awareness Guide

    English, Urdu

  • PSX Rulebook

    English, Urdu

  • Pending Investor Complaints against the brokerage firm

    Nil

  • Details of penal action taken by Exchanges & SECP against the brokerage firm­­­­­­­

    Nil


Corporate Social Responsibility

Arif Habib Limited (AHL) is a firm believer in sustainable development. At AHL, we pride ourselves in contributing to the betterment of the lives of our communities and the people of Pakistan. Corporate philanthropy and development are a means to this, which allows us to give back to those around us. As a responsible member of the business society, we are actively working with local bodies and authorities to find ways in which we can help with various social programs and development projects.


Social Development

AHL is in constant collaboration with various social welfare projects. This past year, our total contribution amounted to over PKR 50 million. These included:

  • Arif Habib Foundation, which is governed by a board of trustees, began work with an aim to help make a difference to thousands of lives through a range of charitable work and by partnering with individuals and agencies that address key priority areas which are: Education, Health, Nutrition, and Social inclusion
  • “Rizq” is a food recovery initiative started in Lahore in 2015. It is a registered NGO that aims to fight food wastage and feed the needy and hungry by collecting unconsumed food from restaurants and individuals. In the past 2 years, Rizq has served meals to over 100,000 families. This year Rizq carried out a series of Iftars for over 3000 people. This noble cause was sponsored by AHL.
  • Karwan-e-Hayat is a non-profit welfare organization established in 1983. It is certified by the Pakistan Centre for Philanthropy. Karwan-e-Hayat has worked diligently ever since its inception in providing treatment and rehabilitation services to poor and underprivileged.
  • WWF-Pakistan has deep roots embedded in the country and currently has over 30 active projects implemented throughout Pakistan to achieve nature conservation and sustainable development goals.


Notice of Annual General Meeting


Board Meetings


Symbol of the Company

Investor Information

AHL


Annual Report

Yearly Report

June 30, 2021

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Yearly Report

June 30, 2020

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Yearly Report

June 30, 2019

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Yearly Report

June 30, 2018

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Financial Highlights

Financial Highlights

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Half Yearly Financial Reports

Half Yearly Report

December 31, 2020

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Half Yearly Report

December 31, 2019

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Half Yearly Report

December 31, 2018

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Half Yearly Report

December 31, 2017

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Latest Report 2019 - 2020

Quarterly Financial Reports

1st Quarter

September 30, 2019

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3rd Quarter

March 31, 2021

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Previous REPORTS


Earnings Per Share


Share Registrar

Registrar & Share Transfer Office

Share Registrar Department Central Depository Company of Pakistan Ltd.

CDC House, 99-B, Block-B S.M.C.H.S., Main Shahra-e-Faisal Karachi-74400


Free Float of shares

Free Float Shares

17,820,000

Rating of the Company



Basic Definitions

Investor Awareness

Investment Strategy of Onself

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Investment Instruments

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Modes of Stock Investment

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Common Terms of Trading Screen

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Procedure for allowing access to IBTS

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Guidelines to register for Centralized Cash Dividend Register (CCDR)

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Anti-Money Laundering Policy

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Client broker Relationship & Arbitration Procedure

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Risk & Rewards


Procedures

Account Opening Procedure

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Trade Process

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Important Links

AHL Etrade User Manual

Client(s) of AHL availing IBTS can have access upon specific request to our Service level agreement and the infrastructure provided by the Third party vendor.

Download

Investment Strategy of Onself (Self Investment Profiling)

Before committing yourself as an investor to any investment, it is imperative that one should have clear and identifiable Objective and Constraints (Investor self profiling). Doing so ensures that the investor commits his/her funds in the most rational manner. Actually most of us haven’t actually started framing an IPS (Investment Portfolio Statement) for our self at all. We are driven by thoughts like:

  • Do we need to do this?
  • Can’t we directly jump into trading without all this?
  • This only works for sophisticated investors and not for us

We all should devote some of our investing time in framing the individual IPS (or get someone do it for us). We are here to give an over view only to the different ingredients of what goes into making a good IPS and how is it useful to all of us.

To state it in one line, IPS is a document which identifies one’s Investment Objectives and Constraints. Why are you investing? What are your goals? How much risk can you bear?

Once you understand the purpose, IPS will sound more Relevant and Interesting to you. It’s more Process Oriented, Less Mathematical and No Formula or Technicalities. Basically it summarizes the relevant fact and concludes the investment strategy of one self.

MAIN INGREDIENTS OF IPS:

  • 1. IPS Objectives (Risk and Return)

    As a Return Objective you should list down your required (more priority goals) and desired objectives. Goals like having a retirement, child’s education, child’s marriage etc. has to be noted down. Also, the Risk Tolerance has to be noted down, Risk in terms of both Ability and Willingness.

    To understand risk you have to do “situational profiling” of yourself and it’s done by understanding your biases, preferences and perceptions.

    • Active Wealth creator has higher willingness towards risk
    • If perceived self wealth is more, one will take more risk
    • Stage of Life also matters

    Risk and return goes hand in hand. If you can’t take more risk, you can’t get more returns. This does not mean you have to take lot of risk. The only point is your Return objective has to match your willingness and ability to take risk.

    Objectives should also be consistent with Capital Market expectation (Economic forecast and its effects on different sectors/industries of the economy) and one’s constraints.

  • 2. IPS Constraints (Time, Liquidity, Tax, Legal and Unique)

    You should list down different constraints under which the investments have to be made, as they are more likely to limit your risk taking abilities and in turn hamper the return objectives. Different individuals face different types of Constraints and they have been grouped into different categories like, Time Constraint, Liquidity Constraint, Tax Constraint, Legal Constraint and Unique Constraints.

    • Time Constraint (How much is timeframe of the investment): This is critical because if we have a longer time frame, we do not have to worry about the short term market fluctuations and can concentrate on more long term investments. The age of the individual is one of the factors which determine his/her time constraint.
    • Liquidity Constraint: It determines how much dependent; the individual is on the Investment. Does he/she have sufficient emergency reserve or other sources of income to meet the ongoing and or sudden fund requirements?
    • Tax, Legal and Unique Constraints: Similarly Client should be aware of the before and after tax returns from the investment, the Legal constraint under which he/she can make investment and any specific Unique Constraint he/she may be subject to.

    It’s better to approach IPS in a reverse order, meaning first analyze your constraints, then the risk tolerance and then the return objective. Because Constraint affects your risk tolerance and which affects the Return objective.

Investment Instruments

Products in Stock Markets:

Following are the main financial products/instruments in dealt in stock market;

  • 1. Equity Shares

    After the shares are made public through Initial Public Offering the same are then traded in secondary market (Stock Exchanges). The holders of such shares are members of the Company and have voting rights. There are various rights of shareholders as per law. For details, please visit SECP guide in reference to shareholder’s rights at www.secp.gov.pk.

    • Rights issue/Rights shares: Rights shares are issued when companies need to raise additional capital to finance their new expansion projects or to meet working capital needs, etc. in case of rights issue; existing investors have the right to subscribe to these new shares in proportion to their respective shareholdings.
    • Bonus Shares: Shares issued by the Companies to their shareholders free of cost by capitalization of accumulated reserves from the profit earned in the earlier years.
  • 2. Derivatives

    The term “Derivate” indicates that its value is entirely “derived” form the value of the underlying asset. The underlying asset can be securities, commodities, bullion, currency, live stock or anything else. In other words, Derivatives means a forward, future, option or any other hybrid contract of predetermined fixed duration, linked for the purpose of contract fulfillment to the value of a specified real or financial asset or to an index of securities.

  • 3. Future Contract

    Futures Contract means a legally binding agreement to buy or sell the underlying security on a future date. Futures Contracts are the organized/standardized contracts in terms of quantity, quality, delivery time and place for settlement on any date in future. The contract expires on pre specified date which is called the expiry date of the contract. On expiry, futures can be settled by delivery of the underlying asset or cash. Cash settlement enables the settlement of obligations arising out of the Future Contract in cash. Trading in derivates is governed by the regulations of each exchange regarding Cash settled futures contract, Deliverable futures contract, Commodities futures contracts and Stock index futures contract. These regulations are available on the webpage of the exchanges.

  • 3. Bond

    Bond is a negotiable certificate that promises fixed income on the value of the bond. It is generally issued by a Company or Government agency. Bond investors lend money to the issuer and in exchange, the issuer promises to repay the amount equal to the bond value on a specified maturity date. The issuer usually pays the bond holder periodic interest payments over the life of the bond.

    The two types of bonds available in the financial markets of Pakistan are Government Bonds and Corporate Bonds;

    • Government Bonds: The different types of bonds issued by the Government of Pakistan are Pakistan Investment Bonds, US Special Dollar Bonds, Wapda Bonds, National Saving Bonds, and Sukuk. These bonds provide fixed return or floating rate of return to the holder of the bond.
    • Corporate Bonds: Corporate bond (commonly known as Term Finance Certificate ‚Äì TFC in Pakistan) is a debt instrument issued by companies to raise money to meet its financial requirements. Corporate Bonds are normally issued for a specific period of time with promise to repay the principle amount of the bond money plus interest to the bond holder. When you buy a bond, you are lending money to the company that issued it. The company promises to return your money, or principal, on a specified maturity date. Until that time, it also pays you a stated rate of return, usually semiannually. The interest payments you receive from corporate bonds are taxable. Unlike shares, bonds do not give an ownership interest in the issuing company.

    Corporate bonds/TFCs can be of various types depending on the requirements of the issuer. It could be either based on fixed or floating rate of interest or it could be secured or un-secured or with or without Call and Put Option or it could be convertible or non convertible.

    Investors can buy corporate bonds for number of reasons, which includes attractive yields, dependable income, safety, diversity and marketability etc.

Mode Of Stock Investment

Following are the modes of investment in stock;

  • 1. IPO - Initial Public Offer

    An initial public offering (IPO) is the process through which a company issues/offers its securities to the public for the first time. The company goes for IPOs for various reasons which include raising money for a specific project; or to list their securities on the stock exchange; or to meet their working capital requirements or to pay extensive debts etc.

    The shares are offered to the public through an offering document called ‘Prospectus’ or “Offer for sale document” (incase shares are offered by existing shareholder of a company and not by the company itself) which covers all information relevant to the issue and which helps an investor to make his/her decision whether to invest in a particular scrip or not. The information contained in the prospectus includes procedures for application of shares, financial and general information about the issuer, purpose of utilization of the proceeds of the issue, risk factors and advice for investors.

    Before issue of shares, the prospectus or the offer for sale document, as the case may be, of a company must be cleared by the respective stock exchange under the listing regulations and must be approved by the Commission under section 57 or section 62 (in case of offer for sale document) of the Companies Ordinance, 1984.

    The shares offered to the public may be at par or premium.

    The Company may issue its shares to the general public either at fixed price or at a price determined through book building mechanism. Where the shares are offered at a price determined through book building mechanism then the company is required to fulfill the requirements which pertain to the book building offering mechanism as mentioned in the Listing Regulations.

    Book Building Process: Book building is a capital issuance process used in initial public offer (IPO) which aids price and demand discovery. It is a process used for marketing a public offer of equity shares of a company. It is a mechanism where, during the period for which the book is open, bids are collected from institutional investors. The offer is pre determined after the bid closing date based on the market demand of shares.

    the book building process since the price of share is determined on the basis of market demand; as such the chances of over/under pricing are minimized. Further, the issuer company has the option to withdraw from the market if the demand for the shares does not exist. Book building is an established practice in most developed countries.

    However, investors must ensure that only one application in IPO is submitted for subscription. As submission of multiple applications against an IPO is against law and is liable for confiscation of application money.

  • 2. Secondary Market (Stock Exchange)

    The market that exists in a new security just after the new issue is often referred to as the secondary market/aftermarket. Once a newly issued stock is listed in a Stock Exchange, investors and speculators can easily trade on the exchange through members of the stock exchange (stock brokers). Liquidity is the main benefit of the secondary market. Supply and demand in stock markets are driven by various factors which, as in all free markets, affect the price of stocks.

    A Stock Exchange provides “trading” facilities for stock brokers and traders, to trade stocks and other securities. To be able to trade a security in a certain Stock Exchange, it has to be listed there. There is a central location for Securities movement and shareholding’s record keeping (Central Depository Company of Pakistan).

    Trade on an exchange is allowed for members only (stock brokers) therefore to Trade in the Stock Exchange, you must be an account holder with a member (broker) of an exchange.

Common Terms of Trading Screen

Following are the most common terms of trading screen:

MarketThe type of trade in which the Security falls.
Symbol Unique short name assigned to any particular script by PSX.
Change Difference between the last traded and close of the previous day’s price.
Buy Vol No. of Securities investor intends to buy.
Buy The rate at which investor intends to execute his/her buy order.
Sell Vol No. of Securities investor intends to sell.
Sell The rate at which investor intends to execute his/her Sell order.
Last Vol No of Securities executed/traded in previous/last trade.
Last Price The price at which last trade took place.
Total Vol Total No. of Securities traded during a particular time/day.
Avg Total value of Security traded, divided by No. of Securities traded.
High The highest rate at which the Security traded.
Low The lowest rate at which the Security traded.
Prev. Close Previous day’s closing price.
Trade Time The time at which the trade took place.
Limit Order A limit order is when the user enters the order into the system with a specific price.
Market Order A market order is when the user enters the order into the system without a specific price. The system will execute the order irrespective of price. The system will search for the quantity of order to be completed at any available price. In a rapidly moving market, a market order may be executed at a price higher or lower than the quote displayed on the website at the time of order entry.
Market Lot Market Lot is the normal unit of trading for a security, which is 500 shares of stock having price less than Rs.100/- and 100 shares of stock having price above Rs.100/-.
Odd Lots For stocks, any transaction less than the market lot is usually considered to be an odd lot. These odd lots cannot be traded on the regular market and hence the Karachi Stock Exchange has initiated a separate ODD Lots Market.
Margin Call A margin call most often occurs when the amount of actual capital the investor has, drops below a set percent of the total investment. A margin call may also be triggered if the broker changes their minimum margin requirement which is the absolute minimum percentage of the total investment that one must have in direct equity.
Stop Loss Order A stop-loss order is a request to sell a security once the market price reaches or falls below an investor -specified price. Once the target price has been reached or surpassed, the order becomes a “market” order. This is especially true in a fast-moving market where stock prices can change rapidly. A stop-loss order is typically used to sell a security, to lock in profits or limit losses if a security price falls. Setting a stop-loss order for 5% below the price at which you bought the stock will limit your loss to 5%. Stop-loss orders are only available when selling a security to close a position.
Short Sell Short selling refers to the practice of selling securities the seller owns in the hope of repurchasing them later at a lower price. This is done in an attempt to profit from an expected decline in price of a security. Such as a stock or a bond, is contrast to the ordinary investment practice, where an investor “goes long,” purchasing a security in the hope the price will rise.

Risk & Reward Of Investment In Shares

Studies have shown that in the long run investment in shares has provided greater returns than most other forms of savings. Buying shares can offer advantages over saving in deposit accounts: the investment may increase in value besides getting dividends. An investor shares the rewards when the company does well and the price of the shares goes up. But if the company performs badly, the shares price may go down and the value of the investment will be reduced. Other factors, such as the performance of the stock markets as a whole and the general economic climate, may also affect the price of the shares.

Investment in shares is therefore investment in ‘Risk Capital’. The shareholders can be rewarded for taking the risk and the potential return on their money can be higher than that on other investments. An investor can reduce risk with careful planning.

Stock Returns

An investor can earn two types of returns on investment in shares; one is termed as capital gain that is result of price appreciation; the other is holding period gain (i.e. regular stream of income through dividends, bonus and right issues).

  • 1. Dividend

    Dividends are returns paid to shareholders out of profits of the Company. Returns can be in the form of cash or additional shares of the Company called bonus shares. Dividends are usually paid once or twice a year depending upon the Company’s profit distribution policy.

  • 2. Capital Gain/Growth

    Capital gain is the amount with which the value of the investment in shares exceeds the price at which it was purchased. In other words it is the profit, realized from the sale of shares when the market value is increasing.

Benefits of AHL eTrade

Arif Habib Limited facilitates its clients with easy, accessible and real time equity trading option via Internet through Server Based System. All clients have equal right of using our on-line system. Through our online trading system via internet one is able to trade at his home, office or anywhere in the world. Benefits of AHL eTrade include:

  • Live market rates on the internet
  • Universal access to stock trading accounts via the Internet
  • Instant executions and confirmations on stock trades
  • Confidentiality on all customer transactions
  • Anytime / Anywhere Connectivity with Broker
  • Easy downloadable module with no application Setups
  • Platform independent application based on JAVA
  • Connectivity with Windows, Linux, Mac OS, Ubuntu and Solaris based machines
  • Low Latency (Almost Zero Latency) in Quotes Display
  • SSL Certificate based Web Security
  • Encrypted data communication for Security
  • Comprehensive Market Watches: 100 Index Watch, 30 Index Watch, Sector Watch and Custom Market watch
  • Live Tickers : Upper Cap, Lower Cap, Active Scripts, Top Ten and Custom Tickers
  • Scalable Solution to meet demanding loads

Risks Of Online Trading & Its Mitigation

Risks of Online Trading:

We would like to inform you of the potential and inherent risks of trading online such as:

  • The misuse of the Account Holder(s)’ Password/PIN
  • Hacking of line
  • Outages and slowdowns in the internet connection
  • Breakdown of broker system and or other third-party service breakdown and system errors
  • Piracy of the Account Holder(s) information and affairs by unscrupulous persons, etc.

Mitigation of Risks Associated with Online Trading:

In order to be able to mitigate the risks associated with Online Trading, you are encouraged to download AHL ETRADE USER MANUAL or contact our Online Trading Support Department at:
Ms. Munazza Mazhar
Online Trading Support Department

Address:Arif Habib Centre, 23 – M.T. Khan Road, Karachi – 74000.
Direct:+92 21 32461105 – 04
PABX:+92 21 32460717 – 19 ext. 218

Email:

support@arifhabibltd.com,
info@arifhabibltd.com

Alternative Means To Place/Cancel Pending Orders During A System Failure

In order to place orders and or to cancel pending orders during a system failure, you are requested to please contact our Online Trading Support Department and Call Centre Representative.
Ms. Munazza Mazhar
Online Trading Support Department

Address:Arif Habib Centre, 23 – M.T. Khan Road, Karachi – 74000.
Direct:+92 21 32461105 – 04
PABX:+92 21 32460717 – 19 ext. 218

Email:

support@arifhabibltd.com,
info@arifhabibltd.com


We ask for your patience, during those times, because the Online Trading Support Department will be experiencing heavy call volume.

Account Opening Procedure

To invest in stock market, an investor needs to operate a trading account with a registered member of Stock Exchange and CDC Sub – Account, if CDC IAS (CDC investor account under the custody of CDC) is not operated. Following is the procedure for operating the accounts:

The documents required to be submitted by the client are available in the downloads section on the Homepage under Account Services and forms. AHL will make sure that the required documents are submitted by the client before approval for operation of the account can be given (requirement stated by SECP & PSX).


Investor Protection & Financial Literacy

Client Broker Relationship & Arbitration Procedure

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Investor Guide – SECP

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Investor Awarness Brochure – SECP

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PSX RuleBook (English)

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PSX RuleBook (Urdu)

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Dispute Resolution Procedure

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FAQs – SECP

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Website Compliance Certificate 2021

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Monthly NCB & LC Reports


Unclaimed Dividends and Shares List

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Miscellaneous

AHL

Symbol of Company

Credit Rating

Rated AA- /A-1 with “Stable” of outlook.Rated by JCR – VIC Credit Rating Company Limited

Registrar & Share Transfer Office

Share Registrar Department Central Depository Company of Pakistan Ltd.

CDC House, 99-B, Block-B S.M.C.H.S., Main Shahra-e-Faisal Karachi-74400

Registered Office

Arif Habib Centre 23, M.T. Khan Road Karachi-74000

Lahore Branch

Office Nos. G-05 & G06, Ground floor, LSE Plaza 19, Khayaban-e-Aiwan-e-Iqbal, Lahore

  • Tel:

    042 36313741, 042 36313711, 021 38899267

Islamabad Branch

Office No. 506, 5th Floor, ISE Towers, Jinnah Avenue, Islamabad

  • Tel:

    +92 51 2895344, +92 51 2895337,
    +92 51 2895340

Peshawar Branch

Shop No. F13, F14, F15, F16, F17, 1st Floor, The Mall Tower, Peshawar Cantt.

  • Tel:

    +92 91 5253838

Rawalpindi Branch

Office No. F-15, 1st Floor, Rizwan Arcade, Adamjee Road, Saddar,Rawalpindi

  • Tel:

    +92 (51) 5120428-29 , +92 (51) 5563476-78

Faisalabad Branch

Office No. 04, 3rd Floor Legacy Tower, Kohinoor City, Faisalabad.

  • Tel:

    +92 41 8531010-3


Election of Directors

Source: PSX