We are committed to provide our customers the best of our services. Please feel free to update us with your comments, suggestions or complaints.
Registered Office
AWT Plaza, The Mall, P.O.Box 1084, Rawalpindi.
Phone: 051-8092000, 051-8101000 Fax: 051-2857448
Head Office
Third Floor, Plot No. 18, NPT Building, F-8 Markaz, Islamabad.
Phone: 051-8092000, 051-8101000 Fax: 051-2857448
For submitting a query/complaint regarding bank related issues (e.g. account, credit card, debit card)
For submitting an online complaint regarding ATM related issues
Askari Bank provides an extensive ATM network to their banking and non-banking customers, with a network of 500+ ATMs (onsite & offsite) across Pakistan.
For ATM Complaints you may contact any of the following persons:
The Contact Centre provides 24/7 service to its customers for queries and information at
051-111-000-787.
Overseas Customer may call at:
+92-51-111-000-787
+92-51-5552014
Phone Banking
Askari Bank – A Step Ahead in Technology & Customer Care
Askari Bank’s 24/7 Contact Centre allows you to get in touch with us from the comfort of your home, at any time. You can avail a host of services by simply calling our UAN at 051-111-000-787
Services Offered
Account Information
Debit & Credit Cards activation and de-activation
I-Net & Mobile Banking activation and de-activation
SMS Banking activation & de-activation
Complaints & queries
Information about Bank’s products & Services
In case of any query or issue related to Askari Bank’s consumer products, please contact our Customer Services Centres
For Credit Card: 051-2250141, 051-2250554, 051-2853300, 051-8108730
For Credit Card Limit Enhancements/Upgrade: 051-2250725, 051-2250140, 051-8108730 For Personal Loan 051-2853300, 051-2250143, 051-8108730 For Auto Loan / Mortgage Finance 051-2250143, 051-2853300
For Complaints Feedback (Karachi) CBD Complaint Department Askari Bank Ltd. 3rd Floor, SB-08, Block 13-B, KDA Scheme – 24 Main University Road Gulshan-e-Iqbal, Karachi.
Email: customerservices@askaribank.com.pk support@askaribank.com.pk Telesales Unit (CBD) Contact No: 92-51-8094333 *Incoming call facility is not available on this number.
In case of any further information please contact helpline i.e. 051-111-000-787.
For Blocking of Lost/Stolen Credit Cards &
Transaction related queries, customers may call at:
+92-51-111-000-787
For verification of Guarantees issued by Askari Bank, please contact our Centralized Foreign Trade Unit (Guarantee Operation)
For Verification / Genuineness Confirmation / Encashment / Extension or for any matter relating to Letter of Guarantees and Amendment issued by Askari Bank, please contact our Centralized Foreign Trade Unit (Guarantee Operation) at following address:-
SOUTH REGION Centralized Foreign Trade Unit Askari Bank Limited Marine Trade Centre Kehkashan Block-9 Clifton, Karachi. Tel : 021-353088012, 021-35308802-5 E-mail: CFTU.01@askaribank.com.pk
CENTRAL REGION Centralized Foreign Trade Unit Askari Bank Limited 9th Floor, 27-H, Pace Tower Building College Road, Gulberg-II, Lahore.
Tel : 042-99268517, 042-99268514 E-mail : CFTU.02@askaribank.com.pk
NORTH REGION Centralized Foreign Trade Unit Askari Bank Limited Imran Khan Avenue, Chaklala Scheme – III, Rawalpindi
Tel : 051-9281306, 051-9281301-5 E-mail :CFTU.03@askaribank.com.pk
We will appreciate if you can take few minutes from your time to fill up our Online Customer Survey Form
We are committed to provide our customers the best of our professional services.
A Credit Information Bureau (CIB) is an organization that collects and collates credit data on borrowers from its member financial institutions. The financial data is then aggregated in system and the resulting information (in the form of credit reports) is made available online on request to contributing member financial institutions for the purpose of credit assessment, credit scoring and credit risk management. The major purpose of this database is to enable the Financial Institutions (FIs) to know the credit history of their prospective customers thus enabling them to make informed and timely lending decisions.
The Electronic Credit Information Bureau (eCIB) was established by State Bank of Pakistan (SBP) in December, 1992. The scope and activities of eCIB are governed under the provisions of Banking Companies Ordinance (BCO), 1962. The Section 25(A) vests powers with SBP to call for credit information in such manner as it may deem necessary and make such information available to any banking company, which is a member.
All Banks, Development Financial Institutions (DFIs), Non- Bank Financial Companies (NBFCs), and Micro Finance Banks operating in Pakistan are members of the eCIB database. The membership with eCIB, as per instructions of SBP, is mandatory for all Banks, Developmental Financial Institutions (DFIs) and Micro Finance Banks (MFBs). No financial institution can access the eCIB database without obtaining membership of eCIB of State Bank of Pakistan.
Yes. It is mandatory for Financial Institutions (FIs) to obtain CIR of their prospective and existing borrowers before extending/renewing any financial facility. However, before allowing any facility, the banks / DFIs shall preferably obtain credit report from the Credit Information Bureau of which they are a member. The report will be given due weightage while making credit decision.
All member FIs are required to submit entire borrowers’ records online to eCIB on monthly basis. This information is submitted within a period of 10 days from the date of close of every month.
Two types of reports can be generated from eCIB system:
1. Consumer Credit Information Report:
All individuals and sole proprietors are placed under the category of “Consumer Borrower” and are reported against their Computerized National Identity Card Numbers (CNIC) and Old National Identity Card Numbers, where CNIC numbers are not available with financial institutions. The system also has the provision for consumer late payment/overdue/write off history for the last 24 months which is shown on the CIR.
2. Corporate Credit Information Report:
Partnership concerns and corporate entities (both listed and unlisted) are categorized under “Corporate Borrower”. The corporate CIR contains consolidated position of outstanding liabilities (funded and non- funded), overdue, amount under litigation, write-offs (During last 10 years) and rescheduling /restructuring (During last 5 years). Format of both the reports can be accessed at the link given below:
http://www.sbp.org.pk/ecib/credit.htm
No. The eCIB is legally empowered to collect credit information from its member financial institutions. The financial institutions are required to report entire credit records irrespective of any limit to eCIB. The information in eCIB database is shared on reciprocal basis.
No. Presently, under the relevant provision of law, only member financial institutions have online access to eCIB servers for generating CIR of borrowers for their internal use. The CIR is a confidential document and cannot be provided to borrowers. While State Bank of Pakistan has issued license(s) to private credit bureau(s) under Credit Bureau Act-2015(CBA-2015). Borrowers can get their Credit Report from private credit bureau(s) once they are operational as provided in the Credit Bureau Act-2015.
No SBP’s regulations/instructions do not place any restriction on banks and financial institutions on lending to any person/organization which has overdue appearing against its account in eCIB or has a late payment/overdue/write off history. The financial institutions have to make their own lending decision on the basis of their lending policies, past track record of borrower and his repayment capacity.
No. Negative credit Information Report (CIR) does not debar any individual from seeking any financing facility from any financial institutions in Pakistan. The financial institutions make lending decision on the basis of information available to them and in the light of their own lending policies, borrower’s total exposure, repayment track and capacity.
The credit information reports neither express any opinion about the borrower creditworthiness nor assign any rating to the borrowers. It provides factual position of the borrowers’ credit exposure both negative as well as positive as of certain date. Further, the placement of name in eCIB does not prevent anyone from entering into lawful relationship with the banks. The eCIB report merely reflects the outstanding and overdue position of the borrower without declaring the borrower as a defaulter.
The eCIB does not amend any CIR at its own, on the request of borrower. The onus of reporting accurate data to the eCIB rests with the reporting financial institution; hence eCIB cannot verify the borrower’s claim at its end. Any correction in eCIB data can only be made through the reporting financial institution.
The banks and financial institutions are required to make an online interim update of the borrowers’ record immediately but not later than 03 days from the date of settlement of overdue. The interim update statement reflects in “remarks” portion and overdue amount will subsequently be cleared in the reporting month to which it pertains. However, history of such overdue will continue to be reflected for 24 months from the date of settlement.
The CIR becomes negative due to erratic repayment behavior. The negative CIR report may either be due to some late payment/overdue outstanding liabilities or some written-off liabilities appearing against your record. The borrowers may contact with lending financial institutions and work out a repayment / settlement plan for settlement of overdue liabilities. However, history of such overdue will continue to be reflected for 24 months from the date of settlement. Once loan account becomes regular, CIR will reflect the revised position. However, borrowers should take utmost care in timely repayment of outstanding liabilities in order to keep their track clean.
In case of consumer borrower (individual), the CIB maintains the history of financial records of past twelve months. This means that if a borrower settles late overdue/default write off liability with financial institutions, such outstanding position will continue to appear in CIR for the next 24 months from the date of settlement. However, his current status will be reported as regular.
Yes. The financial institutions are subject to penal actions under the provision of law on account of misreporting/erroneous reporting in eCIB database.
Please approach your concerned FI and if the dispute/complaint is not resolved then you can approach eCIB through helpdesk, the link of which is given below:
“SUNWAI” mobile application is also available on Google Play Store for Android Users and App Store for iPhone users
Consumer Financial ProtectionFramework
Weare committed to providing you with a quality banking experience and ensuring that you feel supported throughout your banking journey. Our framework on Consumer Financial Protection is designed to treatthecustomers fairly and transparently, while also ensuring that your needsare fulfilledand rights areprotected.
Askari Bank’sConsumer Financial ProtectionFrameworkcomprises guiding principles that mainly focus on:
•Culture,Behavior and Work Ethics
•Customer Convenience
•Impartial & Just Treatment
•Clear and Timely Disclosuresto Customers
•Financial Education and Awareness of Customers
•Protecting Customer Sensitive Information
•Complaint Handling Mechanism
Your valuable feedback helpsto improve our services.Should you wish to provide any feedback or you may have any complaint, please click here.
POC's For This Account
Mr. Hassham Iqbal (hassham.iqbal@askaribank.com.pk )(Contact No: 051-8082570)
Mr. Insar Ahmed (insar.ahmed@askaribank.com.pk) (Contact No: 051-8092002)
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