Founded in the year 2000, Khushhali Bank Limited was a part of the Government of Islamic Republic of Pakistan's Poverty

Reduction Strategy and its Microfinance Sector Development Program (MSDP). MSDP was developed with the facilitation of Asian Development Bank (ADB). With its headquarters based in Islamabad, Khushhali Bank Limited operates under the supervision of the State Bank of Pakistan (SBP) and many central (commercial) banks are its shareholders. The mandate remains to retail microfinance services and to act as a catalyst in stabilizing the country's newly formed microfinance sector.

The quarter under review witnessed Khushhalibanks 13th anniversary celebrations with the usual festive spirit. The bank continues on its growth trajectory with expanding business, employees and network. The amazing Khushhali team remains focused as always on achieving their business & operational goals taking the bank to new heights with each passing year. Branch visits and area sales conferences are being held on regular basis to keep our channels of communication with the frontline staff, successes of clients are being celebrated at entrepreneurial forums and Women Entrepreneurs recognized by the bank at an ever increasing frequency. In short, we are living our core mission and values and proud to be part of Khushhali. Another successful quarter has ended and our team have performed beyond expectations to achieve the targets and Khushhhali retains its market leadership. I trust we will continue to leverage the momentum of earlier achievements to attain even higher levels of performance, bringing a great year to a resounding close. As always, I wish you well in your endeavors. M.Ghalib Nishtar President & Chief Executive Officer

The Board of Directors comprises of the following members: Rayomond Kotwal Chairman

M Ghalib Nishtar President / Director Zakir Mahmood Director Syed Javed Director Lisa G. Thomas Director Geert Peetermans Director Peter Kooi Director

Product Features Product Name

Details

Khushhali Cash Sahulat Loan for Individuals Khushhali Cash Sahulat is an Individual Loan collateralized through a range of acceptable securities. The loan may be utilized to expand micro-enterprises / Product Description small businesses (to meet working capital requirements or purchase of assets) and offers free imbedded credit life insurance. Household annual income less than Rs. 300,000 Age: 18 - 64 Years Loan Eligibility Business experience of minimum of 2 Years Criteria Holding valid CNIC Not defaulter of KBL or other banks Gold ornaments/bars as evaluated by Khushhalianks approved goldsmith (18 carat or above) Khushhalibank Term Deposit Certificates Acceptable Securities National Savings Certificates (Defence Saving Certificates, Special Saving Certificates, Regular Income Certificates) Tenure 3 - 12 months Lump Sum payment at the end of the loan period Repayment Options Equal Monthly Installments 1. Minimum Loan Amount: Rs.25, 000/Loan Ticket 2. Maximum Loan Amount: Rs.150, 000/-

Product Features Product Name

Details Sarsabz Karobar Individual unsecured loan backed by Facilitation in acquisition/Collection by Value Chain Partner Sarsabz Karobar is 1st KBL value chain Finance Product in collaboration with its Value Chain Partner Connecting Agro Value Chain PVT Limited .Sarsabz Karobar will cater to the financing needs of small certified growers of Public or Private Agro based organizations, primary /secondary milk suppliers, Artisans, craftsmen, entrepreneurs & small traders involved either in supply/manufacturing of raw material or finished goods, End users of technology & energy equipments Proposed Value Chain Partner reference Household annual income less than Rs. 300,000 or as revised by SBP from time to time Age: 22 - 60 Years Business experience of minimum of 2 Years Holding valid CNIC Not defaulter of KBL or other banks 3 - 12 months Lump Sum payment at the end of the loan period Equal Monthly Installments 1. Minimum Loan Amount: Rs.25, 000/2. Maximum Loan Amount: Rs.60, 000/-

Product Description

Loan Eligibility Criteria

Tenure Repayment Options Loan Ticket

Product Features

Details

Product Name Agriculture Loan Product Type/Category Group Based For the purchase of seed, fertilizer, pesticides. For Product Description irrigation, rental of agricultural equipment, transportation etc. Loan Eligibility Age: 18 58 years, Maximum for repeat clients: 64 Criteria years

Income: Total annual income is less than Rs.300,000 Permanent resident of the locality for 2 years NADRA NIC Holder 2 years experience Loan Amount PKR 10,000 / 15,000 Tenure/Repayment 3-12 Months Options Quarterly/Semiannual/Annually Guarantors Cross Guarantees Collateral None Rates & Fee Structure Please refer to our current schedule of charges

Product Features Product Name Product Type/Category Product Description

Details

Live Stock Loan Group Based For the purchase of livestock Age: 18 58 years, Maximum for repeat clients: 64 years Income: Total annual income is less than Loan Eligibility Criteria Rs.300,000 Permanent resident of the locality for 2 years NADRA NIC Holder 2 years experience Loan Amount PKR 10,000 / 15,000 3-12 Months Tenure/Repayment Options Monthly/Quarterly/Semiannual/Annually Guarantors Cross Guarantees Collateral None Rates & Fees Structure Please refer to our current schedule of charges

Product Features Product Name Product Type/Category Product Description

Details Enterprise Loan Group Based For managing a running business and purchasing new assets having minimum useful life of one year.

Age: 18 58 years, Maximum for repeat clients: 64 years Loan Eligibility Income: Total annual income is less than Rs.300,000 Criteria Permanent resident of the locality for 2 years NADRA NIC Holder 2 years experience Loan Amount PKR 10,000 / 15,000 Tenure/Repayment 3-12 Months Options Monthly/Quarterly/Semiannual/Annually Guarantors Cross Guarantees Collateral None Rates & Fee Structure Please refer to our current schedule of charges

Saving money for a sound and content future is an integral part of life for all individuals. At Khushhali Bank, we strongly believe that everyone has a right to save for the future. Saving habits take time to develop, need to be learnt and bring benefits that you will endure for the rest of your life. If you wish to deposit your money in a secure, reliable and convenient savings account that offers an attractive rate of return, choose from any of our instant access savings accounts that offer multiple benefits. Earn Profit Your Savings account with Khushhali Bank guarantees a return on your funds! The

higher your balance, the more profit you will earn. Accessibility Our savings accounts allow you to have access to your money whenever you want. Your account can be accessed by visiting any of our online branches nationwide. Gear up for the unforeseen Having a savings account helps provide a safety net for bad times. Even if you have a small amount of money saved in your savings account, you are that much covered for losses if anything should indeed go wrong. Remember - Every rupee counts - start saving today! Contact your nearest Khushhali Bank branch for more details.

Savings

Term Deposits