CREDIT / INVESTMENT
Bank is the mediator for transferring of surplus money to deficit units of society. Peoples have intrinsic quality of entrepreneurship but less amount of capital to grow his/her business can borrow money from Banks and other financial institutions. Transparent, accountable, well-structured and corporate cultured banks select borrowers on the ground of credit worthiness, business experience, goodwill, reputation & capacity to run business by respective customer. Nowadays, banks offer credit facilities/investment products on the basis of business sector, nature or individual needs i.e. manufacturing, trading, supply of goods, works completion, providing services, wholesale, retail etc. The major credit lines/ investment products offered by the Banks are: Funded- Project Loans, Term loans, HPSM, LTR, MPI TR, CC (Hypothecation), OD (General), Bai-Muajjal Commercial TR, Time Loan, Salary Loan, Home Loan, Education Loan, etc. and Non-Funded Loans- Letter of Credit, different types of Bank Guarantees (Bid Bond, APG, PG etc.), etc.