At HP | FKM, we offer a broad spectrum of legal services in the banking and finance sector, representing a wide array of stakeholders, including commercial banks, investment firms, borrowers and regulators. Our expertise in this area allows us to provide informed, innovative, and practical solutions for all types of banking and finance transactions.

The members of HP | FKM have acted on behalf of various Pakistani and foreign banks and our practice provides advice in relation to the full spectrum of financial products including lending and acquisition finance, asset finance, project finance, financial regulatory, insolvency and restructuring and structured finance. 

As such we are fully abreast with current finance and banking developments and are able to advise on the formulation and implementation of banking products and financial instruments and engage in the preparation and review of financing and security documents. 

We have experience and expertise in most types of financing transactions, and the major areas of our banking practice include advising banks, other financiers and borrowers on a broad range of credit facilities, from straightforward bilateral facilities to complex syndicated structured financings; advising both lenders and borrowers and representing banks, venture capitalists, other institutional lenders, investors and management teams in acquisition finance loans, tender offers, leveraged buyouts, leveraged recapitalizations and refinancing; advising banks, leasing companies, operating lessors, manufacturers and service providers in relation to all major types of financing for assets; providing practical commercial advice on the successful structuring and implementation of projects in various sectors; advising on legal and regulatory issues and prospective legislation affecting banks and financial institutions, including the rules of regulatory organizations; and representing our clients in litigation, including recovery cases and conducting proceedings before regulatory authorities. 

Our services in the banking and finance sector include:

• Project Finance: We offer expert guidance on the legal aspects of project financing, helping clients structure and secure financing for large-scale infrastructure, energy, and industrial projects. Our team assists with negotiating terms, securing lenders, drafting loan agreements, and navigating the complex regulatory and financial landscapes to ensure that projects are adequately funded and legally sound;
• Corporate Finance: We advise businesses on structuring and negotiating financing arrangements, including loans, credit facilities, and bond issuances, ensuring compliance with relevant legal frameworks and market regulations;
• Banking Regulations and Compliance: We assist banks and financial institutions in navigating regulatory requirements set by the State Bank of Pakistan, the Securities and Exchange Commission of Pakistan (SECP), and other governing bodies. Our services include obtaining licenses, structuring compliance programs, and managing regulatory audits;
• Mergers & Acquisitions (M&A): Our team offers legal counsel on financing for M&A transactions, including advising on due diligence, structuring, and negotiating acquisition agreements, as well as ensuring compliance with relevant banking and finance laws;
• Debt Restructuring and Insolvency: We provide strategic guidance on restructuring distressed debt, advising both creditors and borrowers on legal strategies for managing defaults, debt recovery, and insolvency proceedings;
• Islamic Finance: With expertise in Sharia-compliant financial products, we advise clients on structuring Islamic finance transactions, including musharaka, murabaha, ijarah, sukuk, and other forms of Islamic financing, ensuring they comply with both legal and religious requirements.

Our team of banking and finance professionals brings an in-depth understanding of market practices and regulations to every transaction, ensuring that our clients receive efficient, legally sound solutions that enhance their financial operations. Whether you are a financial institution, a corporation, or an individual seeking financing solutions, our experienced lawyers are committed to helping you navigate the complexities of Pakistan’s banking and finance sector.

HP | FKM routinely represent various financial institutions of Pakistan including Bank of Punjab, Askari Bank Limited, National Bank of Pakistan, Faysal Bank and Saudi Pak Industrial and Agricultural Investment Company.