The National Institute of Banking and Finance (NIBAF) Pakistan conducted a two-day comprehensive training program titled “Capacity Building Program for Relationship Managers and Branch Managers on SME Banking” from October 23 to 24, 2025, at its Lahore Campus. The initiative was designed to strengthen the professional capabilities of banking officers by enhancing their understanding of SME banking operations, effective lending practices, and sustainable growth strategies tailored to the needs of small and medium enterprises.
Around 41 participants from various financial institutions attended the training, reflecting the growing recognition of the small and medium enterprise (SME) sector as a key driver of economic development in Pakistan. The program aimed to bridge the knowledge gap between traditional commercial banking and specialized SME financing, offering participants the analytical tools and strategic insight necessary to support SME clients with greater efficiency and innovation.
Over the course of two days, the training sessions provided an in-depth understanding of SME banking frameworks, credit appraisal methodologies, and customer relationship management tailored to the SME segment. Participants explored key aspects of lending cycles, credit risk assessment, portfolio management, and the development of customized financial products that align with the evolving needs of small business owners.
The program also emphasized the importance of financial inclusion and the role of SMEs in fostering entrepreneurship, employment generation, and regional economic growth. Through a combination of lectures, interactive discussions, and case studies, the participants engaged in practical learning experiences that linked theoretical knowledge with real-world banking challenges.
Facilitators shared insights on the latest trends in SME financing, including digital tools and data-driven approaches that enhance lending efficiency and risk mitigation. Discussions covered the use of technology in credit scoring, the role of business advisory services in supporting SMEs, and the integration of financial literacy initiatives to strengthen borrower capabilities. These insights highlighted how banks can play a transformative role in scaling up Pakistan’s SME ecosystem through targeted support and innovative banking models.
The training program reinforced the strategic vision of the State Bank of Pakistan (SBP) to promote SME financing as a vital pillar of inclusive economic growth. By equipping Relationship Managers and Branch Managers with advanced knowledge, NIBAF continues to contribute to the professional development of the banking workforce, ensuring that financial institutions remain responsive to the dynamic needs of the SME sector.
NIBAF’s ongoing commitment to skill enhancement and knowledge dissemination positions it as a leading center for banking education and capacity development in Pakistan. The institute’s focus on specialized training in emerging and priority banking areas underscores its pivotal role in supporting national financial goals and enabling institutional excellence.
The successful completion of this two-day capacity building program marks another significant milestone in NIBAF’s mission to strengthen the foundations of SME banking and foster a culture of innovation, inclusivity, and professional growth across Pakistan’s financial industry.
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