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SME Products & Services

For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP.

Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures.

SME Definition

ClassificationSegmentNumber of EmployeesAnnual Sales Turnover
PKR (Million)
Limit/Exposure
PKR (Million)
SE-Up to 5015025
METrading51-100800200
MEManufacturing51-250800200
MEServices51-250800200

SBP Policy - Promotion of SME Finance

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*Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch.

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  • Prudential Regulations of SBP for SMEs

SME Financing and Services

Working Capital Financing
Short Term Financing
Long Term Financing
Commercial Vehicle Financing
AL Habib Zariya / Receivable Financing
Export/Import
Auto Lease
Trade Finance
Guarantees

Refinance Facility for Modernization of SME

SBP introduced the scheme for SMEs to modernize and also to address power shortages.

Refinance & Credit Guarantee Scheme for Women Entrepreneur

SBP introduced the scheme for the Women Entrepreneurs.

Small Enterprise & Credit Guarantee Scheme for Special Person

SBP introduced the scheme for Special persons falling under small enterprise (SE) category.

Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise

SBP introduced the scheme for working capital financing of Small Enterprise & Low End Medium Enterprise.

SBP Financing Scheme for Renewable Energy Category II

SBP introduced the scheme to lend support in addressing dual challenge of energy shortage and climate change through promotion of renewable energy.

Long Term Financing Facility (LTFF) for Plant and Machinery

SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower.

Export Finance Scheme

SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products.

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