SME and Commercial Banking

SME and Commercial Banking


Small Medium Enterprises and Commercial Banking Group (SMEC) began its operations in June 2006. Within a short span of time, SMEC has developed business solution expertise in many areas. These include and are not limited to necessary infrastructure, management information systems and a competent human resource capability of 1000 plus employees. Through these resources, we offer a diverse range of products catering to private sector enterprises having an annual sales turnover between PKR 30 Million to PKR 1 Billion. We at SMEC aim to become a dominant player in Pakistan with an aggressive growth trajectory fortified with teamwork and full inculcation of sales and credit programs.

At SMEC we know that delivering your everyday banking needs in the right way is critical to your success. We can do this and much more for you, with people who understand your business needs and ambitions. They also provide you with award-winning service and solutions. We are committed to helping your business succeed today and in the future. Once your business is established and growing, you need to work with people who understand your business banking needs and can help you achieve your ambitions. Talk to us, we’ll support you every step of the way. In recent years SMEC has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network of 32 branches across Pakistan. We at SMEC offer you the safest option to place your deposit (CA, SA & TD) at our branches, as we proudly claim to be the strongest bank of Pakistan with the highest paid up capital of 40 Billion. SMEC offers you Chain Management Facility where you can speed up your business transactions with your buyers and suppliers via our counter and online transactional features coupled with superior service through any NIB branch across Pakistan. We at SMEC provide you one window solution, where you can not just avail loans to cater your regular business or trade requirements but you can also enjoy chain management benefits through our extensive branch distribution footprints.