Banking Law

Reliable Legal Solutions for a Regulated Financial Landscape.

At MBK and Associates, we deliver comprehensive and expert legal services in Banking Law, with a deep understanding of Pakistan’s regulatory environment and financial sector dynamics. Our team is well-versed in the legal regimes that govern financial institutions, including the Banking Companies Ordinance, 1962, the Financial Institutions (Recovery of Finances) Ordinance, 2001, and State Bank of Pakistan (SBP) regulations, allowing us to provide strategic, compliant, and results-oriented legal support to banks, development finance institutions, and non-banking financial companies.

Whether it's regulatory compliance, complex financial transactions, or dispute resolution, we are trusted advisors to financial institutions navigating the evolving challenges of the sector — from traditional banking to fintech innovation.

Our Services Include

Regulatory Compliance & Advisory

We assist financial institutions in understanding and fulfilling their obligations under Pakistani banking laws and SBP circulars.

• Advisory on SBP Prudential Regulations, foreign exchange controls, and statutory reserve requirements
• Drafting compliance manuals and internal policies for AML/CFT, KYC, and customer onboarding
• Advising on reporting obligations, licensing, and regulatory inspections
• Responding to SBP show-cause notices and regulatory investigations
• Legal updates and training for compliance teams and senior management
  
  

Banking Documentation & Transactional Support

Well-drafted financial agreements are critical for enforceability and risk mitigation. We offer end-to-end support in structuring and documenting transactions.

• Drafting and reviewing loan and credit facility agreements (term loans, working capital, revolving credit)
• Structuring syndicated loans, Islamic finance instruments, and secured lending arrangements
• Advising on guarantees, mortgages, hypothecation, pledges, and other security documentation
• Drafting inter-creditor agreements, escrow arrangements, and restructuring documents
• Legal due diligence and documentation for project finance and trade finance transactions
  
  

Recovery Litigation & Dispute Resolution

We represent banks and financial institutions in enforcing their rights and recovering outstanding debts, through both litigation and alternative dispute resolution.

• Filing and defending recovery suits under the Financial Institutions (Recovery of Finances) Ordinance, 2001
• Representing clients before Banking Courts, Civil Courts, and High Courts
• Proceedings before the Banking Mohtasib of Pakistan for consumer banking complaints
• Negotiating settlements and restructuring arrangements with defaulting borrowers
• Advising on enforcement of security, foreclosure, and asset seizure procedures
  
  

Banking Mergers, Acquisitions & Restructuring

We support banks and financial institutions in navigating complex corporate transactions with confidence and regulatory precision.

• Advising on mergers, demergers, and acquisitions involving financial entities
• Obtaining approvals from SBP, SECP, and Competition Commission of Pakistan
• Legal due diligence and transaction structuring for share transfers, asset sales, and business combinations
• Drafting shareholder agreements, MOUs, and regulatory filings
• Post-transaction compliance and integration support
  
  

Fintech, Digital Banking & Innovation

As the banking landscape evolves, MBK and Associates provides forward-looking legal counsel to help institutions embrace innovation while staying compliant.

• Advising on digital banking regulations, e-money licenses, and branchless banking frameworks
• Legal support for fintech startups, payment service providers, and peer-to-peer lending platforms
• Drafting terms of service, privacy policies, and user agreements for financial technology products
• AML/CFT compliance for digital transactions and onboarding
• Legal strategy for mobile banking, electronic payments, and open banking solutions
  
  

Why MBK and Associates for Banking Law?

• Sector-Specific Knowledge: We understand the operational realities of financial institutions and tailor legal strategies accordingly.
• Regulatory Foresight: With deep familiarity with SBP and SECP frameworks, we anticipate regulatory shifts and help you stay ahead.
• Litigation Strength: We offer a strong litigation practice with a focused approach to recovery, enforcement, and dispute resolution.
• Innovation-Friendly: From traditional banks to cutting-edge fintech ventures, we guide clients through the future of finance.
• Client-Centered Approach: Whether your institution is large or small, we offer timely, precise, and commercially relevant legal support.
  
  

Your Legal Partner in Financial Progress

At MBK and Associates, we are committed to supporting the backbone of Pakistan’s economy — its financial institutions. Through robust legal counsel and strategic insights, we help banks and financial service providers thrive in a complex and competitive environment.

Contact us today to learn how we can support your legal needs in the financial sector.