Commercial Banking Product Ecosystem
Full spectrum of financial products and services for every demographic.
Banking Products
Full Banking Ecosystem
| Institution Type | Liability Products | Asset / Credit Programs |
|---|---|---|
| Commercial Banks (Tier-1 Apex) | • High-Yield Corporate Current Accounts • Digital Escrow & Exporter Accounts • Foreign Currency Retainable Wallets | • Structured Working Capital Finance • Export Refinance Schemes (ERF) • Letters of Credit (LC) & Bank Guarantees |
| Microfinance Institutions | • Asaan Mobile Account (AMA) Integration • Micro-Savings Interest Accounts • Community Development Funds | • Micro-Enterprise General Loans • Livestock & Seed Inputs Capital • Clean Lending (No Collateral) up to 500k |
| Asset Management Companies | • Liquid Money Market Funds • Shariah-Compliant Income Schemes • Voluntary Pension Funds (VPF) | • Corporate Treasury Optimization • Automated SIP Investment Channels • Capital Growth Certificate Sourcing |
Credit Cards
Credit Card Optimization Matrix
| Card Issuer / Class | Merchant Category | Discount Rate | Annual Waivers |
|---|---|---|---|
| Meezan Bank Infinite Shariah Card | Premium Dining & Supermarket Outlets | Up to 25% Instant Discount at Checkout | Complete Waiver upon meeting minimum spend thresholds |
| HBL Gold / Platinum Visa | Airlines, International Travel & Fuel | 15% Fuel Cashback & Flight Rebates | 50% Renewal Fee Waiver via active digital app utilization |
| Bank Alfalah Titanium Mastercard | E-Commerce Platforms & Tech Outlets | 20% Discount on Selected Online Marketplaces | First Year Free with automated utility billing integration |
Agriculture & Dairy
Business, Dairy & Agriculture Lending
| Sector | Targeted Program | Maximum Limit | Mark-up Framework |
|---|---|---|---|
| Small Scale Commercial Business | Working Capital / Raw Material Financing | Up to PKR 25 Million | Competitive Market Pricing (KIBOR + Spread) |
| Modern Dairy & Livestock | Herd Importation, Shed Infrastructure & Tech Setup | Up to PKR 15 Million | Concessionary Subsidized Rate (Fixed 6% per Annum) |
| Mechanized Agriculture | Tractor Procurement, Solar Tube-well & Storage | Up to PKR 20 Million | Aligned with Central Bank Agri Refinance Guidelines |