Pakistan SME Lending Surge Under Risk Guarantee Scheme Raises Questions Over Credit Quality and Market Discipline
Pakistan’s SME lending has expanded rapidly under the SBP’s Risk Coverage Scheme, raising both financial inclusion and concerns over credit discipline. This analysis explores how guarantee-based lending is reshaping banking behaviour, risk allocation, and the long-term stability of the SME credit market.
Bank Alfalah Posts PKR 28.34bn Profit for 2025, Announces 2-for-1 Stock Split and PKR 10.50 Dividend
Bank Alfalah reports PKR 28.34 billion profit for 2025, declares 105% annual dividend, recommends 2-for-1 stock split, and highlights deposit growth and digital leadership.
Breaking Barriers: Why Pakistan’s SMEs Struggle Despite Driving the Economy
Pakistan’s SMEs contribute nearly 40% to GDP and employ the majority of the non-agricultural workforce, yet remain stuck due to poor access to credit and weak legal enforcement. Outdated collateral-driven lending and slow recovery frameworks are holding back growth, highlighting the urgent need for financing reforms and targeted legal changes.