SME Banking

Recognizing the economic and regulatory importance of the Small & Medium Enterprises, the facts and figures around the world reveals that being engine of economic growth, SE & ME sectors are considered to be the hub of employment creation and resource mobilization activities.
The SME Division was established with an aim to provide SE & ME Banking and undertakes to strategically serve this important segment. BAHL believes in simplification of procedure and reduction in turnaround time and quality services

Revised Prudential Regulations as defined by State Bank of Pakistan
Classification Segment Number of Employees Annual Sales Turnover Limit / Exposure
PKR (Million) PKR (Million)
SE up to 50 150 25
ME Trading 51 - 100 800 200
ME Manufacturing 51 - 250 800 200
ME Services 51 - 250 800 200

We offer following facilities to the customers:-


  • Working Capital Financing
  • Procurement of Inventory
  • Receivable Financing
  • Procurement of Machinery.
  • Expansion of Production Facility
  • BMR
  • Export/Import
  • Guarantees
  • Auto Leasing
Related Links
SME Products & Services
  • Lease Finance Facility for Machinery & Equipment
  • Commercial Vehicle Finance
  • AL Habib Zariya
SBP Refinance Schemes
SBP Policy for Promotion of SME Finance