Banking & Finance

Our firm is a leader in banking and international financial law prevailing in Pakistan. Specifically our services include policy and legal advisory, drafting and advocacy services, covering both domestic and international transactions. All aspects of the relationship between banks and customers are covered, including confidentiality and potential liability in negligence.

We provide our clients with expert practical legal advice regarding the recent Financial Institutions (Recovery of Finances) Ordinance 2001, the State Bank of Pakistan Prudential Regulations relating both to Banking as well as Non-Banning Financial Institutions and all regulatory concerns of Financial Institutions.

Particular areas of expertise include loan transactions and related security (particularly guarantees) both personal and corporate, swaps and derivatives, pertinent aspects of the law of insolvency, receivership and company law, constructive trusts and tracing of assets, letters of credit, performance bonds, letters of comfort, bills of exchange. We work with clients in a wide range of secured and unsecured loan transactions and other credit transactions, including participation arrangements.

We also provide corporate clients with comprehensive legal audit and due diligence services. We have knowledge with regard to new and creative financing techniques being utilized in Pakistan such as Asset Securitization and Term Finance Certificates and their private placement or public issue. We also specialize in securities offerings, debt restructuring, and loan workouts on a corporate or nation wide scale.

Because of our extensive knowledge of the financial services industry we are often called upon to provide legal opinions concerning proposed and pending legislation. We deal with various legal issues regarding modern banking, relating to the traditional activities of taking deposits from customers, paying out on demand and lending money to all kinds of asset securitization. We have extensive experience of advising, consulting, negotiating, litigating, providing policy advice and acting on behalf of national and international banks, donors and borrowers on secured and other lending transactions. Our experience includes: restructurings, refinancing, project finance, securitization and other structured finance.

Our Services
– Corporate Finance
– Project Finance
– Negotiations
– Short Term and Long Term Financing and Bridge Financing
– Letters of Credit
– Guarantees
– Restructuring of Loans
– Revival of Sick Units etc.

We also have specialised experience with regard to Shariah Law transactions, modes of finance and jurisprudence. Our clients include, commercial banks, investment banks, development financial institutions, both national and international. We have, for provided instance, provided consultancy services to the World Bank (IBRD), and specialized opinions to the Asian Development Bank (ADB), United Nations Conference on Trade & Development (UNCTAD) etc.