KARACHI - Bank AL Habib introduces AL Habib Special Saver Certificate, another value-added product available for a minimum amount of Rs 25,000, says a press release. The certificate offers 12.25pc per annum expected rate of return, on a 3-year deposit. The profit is paid on completion of each six-month period and credited to customers account, saving time and trouble of waiting in queues. AL Habib Special Saver Certificate also offers free ATM/Debit Card and 90% financing.