Updated: Tuesday April 30, 2013/AthThulatha
Jamada El Thaniah 20, 1434/Mangalavara
Vaisakha 10, 1935, at 07:59:36 PM
The Banking Companies (Recovery of Loans, Advances,
Credits and Finances) Ordinance, 1997
PREAMBLE
1 Short title and commencement
2 Definitions
3 Ordinance not to derogate from other laws
4 Establishment of
5 High Court
6 Resignation and removal of Judges
7 Powers of Banking Courts
8 Suit for recovery of written off loans, etc.
9 Procedure of Banking Courts
10 Decree
11 Attachment before judgment and appointment of receivers
12 Execution of Decree
13 Provisions relating to certain offences
14 Application of fines
15 Transfer of pending criminal proceedings
16 Appeal
17 Finality of orders
18 Limitation Act, 1908 (Act IX of 1908) not to apply
19 Powers to amend Schedule
20 Powers to make rules
21 Indemnity
22 Removal of difficulties
23 Repeal
SCHEDULE. Schedule
The Banking Companies (Recovery of Loans, Advances,
Credits and Finances) Ordinance, 1997
ORDINANCE XXV OF 1997
An Ordinance to repeal, and with certain modifications to consolidate and re‑enact the banking Companies (Recovery of Loans) Ordinance, 1979 and the Banking Tribunals Ordinance, 1984
[Gazette of
No.F.2(1)197‑Pub., dated 4‑2‑1997.‑‑‑The
following Ordinance made by the President is hereby published for general
information:---
Whereas it is expedient to repeal and with certain modifications to consolidate
and re‑enact the Banking Companies (Recovery of Loans) Ordinance, 1979
(XIX of 1979) and the Banking Tribunals Ordinance, 1984 (LVIII of 1984);
And whereas the National Assembly is not in session and the President is
satisfied that the circumstances exist which render it necessary to take
immediate action;
Now, therefore, in exercise of the powers conferred by clause (1) of Article 89
of the Constitution of the Islamic Republic of Pakistan, the President is
pleased to make and promulgate the following Ordinance, namely:‑‑-
1. Short title and commencement.‑‑(1) This Ordinance may be
called the Banking Companies (Recovery of Loans, Advances, Credits and
Finances) Ordinance, 1997.
(2) It extends to the whole of
(3) It shall come into force at once.
2. Definitions. In this Ordinance, unless there is anything repugnant in
the subject or context,‑‑-
(a) “banking company” means,---
(i) any company whether incorporated within or beyond Pakistan which transacts
the business of banking in Pakistan or carries one or more businesses specified
in section 7 of the Banking Companies Ordinance, 1962 (LVII of 1962);
(ii) a bank as defined in the Banks (Nationalization) Act, 1974 (XIX of 1974);
(iii) a scheduled bank as defined in the State Bank of Pakistan Act, 1956
(XXXIII of 1956);
(iv) a Government Saving Bank to which the Government Saving Bank Act, 1873’(V
of 1873) applies; and
(v) a company, an institution or an organization specified in the Schedule to
this Ordinance;
(b) “
(i) in respect of a case in which the outstanding amount of claim based on loan
or finance does not exceed ten million rupees or the trial of offences under
this Ordinance, the Court established under section 4 of this Ordinance; and
(ii) in respect of any other case, the High Court;
(c) “borrower” means a person who has obtained a loan under a system based on
interest from a banking company and includes a surety or an indemnifier;
(d) “customer” means a person who has obtained finance under a system which is
not based on interest from a banking company or is the real beneficiary A such
finance, and includes a surety or an indemnifier;
(e) “finance” includes accommodation or facility under a system which s not
based on interest but provided on the basis of participation in profit and
loss, mark‑up or mark‑down in price, hire purchase, equity support,
lease, rent sharing, licensing, charge or fee of any kind, purchase and sale of
any property, including commodities, patents, designs, trade marks and
copyrights, bills of exchange, promissory notes or other instruments with or
without buy‑back arrangement by a seller, participation term certificate,
musharika certificate, Modaraba certificate, term finance certificate or any
other mode other than an accommodation or facility based on interest and also
includes guarantees, indemnities and any other obligation, whether fund based
or non-fund based, and any accommodation or facility the real beneficiary
whereof is a person other than the person to whom or in whose name it was
provided;
(f) “loan” means loan, advance and credit under a system based on interest and
includes,‑‑‑
(i) an advance cash `credit, overdraft, packing credit, a bill discounted and
purchased or any other financial accommodation provided by a banking company to
a borrower;
(ii) a guarantee, indemnity, letter of credit or any other financial engagement
which a banking company may give, issue or undertake on behalf of a borrower;
(iii) a Banam loan, that is, a loan the real beneficiary or recipient whereof
is a person other than the person in whose name the loan is advanced or
granted;
(iv) any amount due from any borrower to a banking company under a decree
passed by a
(v) any loan due from any borrower to a Banking Company which is the subject
matter of any pending suit, appeal or revision before any Court; and
(g) “rules” means rules made under this Ordinance.
3. Ordinance not to derogate from other laws. The provisions of this
Ordinance shall be in addition to and, save as hereinafter expressly provided,
not in derogation of any other law for the time being in force.
4. Establishment of Banking Court.‑‑(1) The Federal
Government may by notification in the Official Gazette, establish as many
Banking Courts as it considers necessary to exercise jurisdiction in respect of
the case under section 2(b)(i) and appoint a Judge for each of such Courts and
where it establishes more Banking Courts than one, if shall specify in the
notification the territorial limits within which each of the Banking Courts
shall exercise jurisdiction under this Ordinance.
(2) Where more Banking Courts than one have been established in the same or
different territorial limits, the High Court may, if it considers expedient to
do so in the interest of justice or for the convenience of the parties or of
the witnesses, transfer any case from one Banking Court to another.
(3) A Judge of a
(5) A Judge of a
(6) The salary, allowances and other terms and conditions of service of a
person appointed as a Judge of a
(7) Nothing contained in this section shall apply to a High Court in the
exercise of its jurisdiction under the Ordinance.
5. High Court.--‑The Chief Justice of each High Court shall, for
securing expeditious disposal of cases under this Ordinance, nominate one or
more Judges to exercise jurisdiction in respect of the cases in which the High
Court has jurisdiction under section 2(b)(ii).
6. Resignation and removal of Judges.‑‑(1) A person
appointed as a Judge of a Banking Court under section 4 may, by notice in
writing under his hand addressed to the Federal Government, resign from his
office.
(2) A person appointed as a Judge of a
7. Powers of Banking Courts.-‑‑(1) Subject to the provisions
of this Ordinance, a Banking Court shall‑‑‑
(a) in the exercise of its civil jurisdiction have all the powers vested in a
Civil Court under the Code of Civil Procedure, 1908 (Act V of 1908);
(b) in the exercise of its criminal jurisdiction, try the offences punishable
under this Ordinance and shall, for this purpose, have the same powers as are
vested in the Court of Session under the Code of Criminal Procedure, 1898 (Act
V of 1898):---
Provided that a
(2) A Banking Court shall in all matters with respect to which procedure has
not been provided for in this Ordinance, follow the procedure laid down in the
Code of Criminal Procedure, 1908 (Act V of 1908), and the Code of Criminal
Procedure 1898 (Act V of 1898).
(3) All proceedings before a Banking Court shall be deemed to be judicial
proceedings within the meaning of sections 193 and 228 of the Pakistan Penal
Code (Act XLV of 1860), and the Banking Court shall be deemed to be a Court for
the purposes of the Code of Criminal Procedure, 1898 (Act V of 1898).
(4) Subject to subsection (5) no ‘Court other than Banking Court shall have or
exercise any jurisdiction with respect to any matter to which the jurisdiction
of a Banking Court extends under this Ordinance, including a decision as to the
existence or otherwise of a loan or finance and the execution of a decree
passed by a Banking Court.
(5) Nothing in subsection (4) shall be deemed to affect,‑‑‑
(a) the right of a banking company to seek any remedy before any Court or
otherwise that may be available to it under the law by which the banking
company may have been established; or
(b) the power of the banking company or jurisdiction of any Court such as it
referred to in clause (a); or
require the transfer to a Banking Court of any proceeding pending before the
banking company or any such Court immediately before coming into force of this
Ordinance.
(6) All proceedings, including proceedings following the filing of an
arbitration award and proceedings for the execution of a decree within the
jurisdiction of a Banking Court, pending in any Special Court constituted under
the Banking Companies (Recovery of Loans) Ordinance, 1979 (XIX 1979), any
Banking Tribunal constituted under the Banking Tribunals Ordinance, 1984 (LVIII
of 1984) or any other Court ‘including a High Court shall stand transferred to
the Banking Court having jurisdiction. On transfer of proceedings under this
subsection, a
(7) In respect of proceedings transferred to a Banking Court under subsection
(6) the Banking Court shall proceed from the stage at which the proceedings
have been transferred and shall not be bound to recall and rehear any witness
who has given evidence before the transfer, and may act on the evidence already
recorded or produced before the Court or Tribunal from which the proceedings
have been transferred.
8. Suit for recovery of written off loans, etc.‑‑(1) Subject
to subsection (2), notwithstanding anything contained in the Limitation Act,
1908 Act No.IX of 1908) or any other law, a banking company may, within three
years from the date of coming into force of this Ordinance, file suit for the
recovery of any amount written off, released or adjusted under any agreement,
contract, consent, including compromise or withdrawal of any suit or legal
proceedings or adjustment of decree between a banking company and the borrower
or customer on any day on or after the first day of January, 1986 and before
coming into force of this Ordinance, where it can establish that the amount was
written off, released or adjusted for considerations other than bona fide
business considerations.
(2) No suit under subsection (1) shall be filed unless the Board of Directors,
if the Banking Company is incorporated within
9. Procedure of Banking Courts.‑‑(1) where a borrower or
customer or yanking company commits default in fulfilling any obligation, the
banking company or, as the case may be, the borrower or customer may file its
claim with the Banking Court in the form of a plaint which shall be verified on
oath in he case of a banking company by the Branch Manager or an officer of the
rank A Assistant Vice-president or Assistant Manager or such other officer as
the Board of Directors of a banking company may authorize in this behalf.
(2) On a plaint being filed with the Banking Court in accordance with he
provisions of subsection (1), the Banking Court shall issue summons or notice
requiring the defendant to show cause, within twenty-one days of the service of
such summons or notice, as to why the decree as prayed for in the Taint should
not be passed against him. The summons or notice under this section shall be
served on the defendant through the bailiff of the Court, by registered post
acknowledgment due and by publication, and service in any of he aforesaid modes
shall be deemed valid service for the purposes of the Ordinance.
(3) Upon the defendant failing to file a reply with the time given in the show
cause notice under subsection (2) or upon rejection by the
(4) In the event of the Banking Court passing a decree against the defendant on
his failure to give a reply to the show cause notice within the period
specified in subsection (2), the Banking Court may, on the application of the
defendant filed within twenty-one days of the passing of the decree, set aside
the same and permit the defendant to file his reply under that subsection
provided it is satisfied that there was sufficient cause for the defendant not
having filed the reply within the specified period.
(5) All suits filed in the Banking Court shall be disposed of within ninety
days of the filing of the plaint and in case proceedings continue beyond the
said period, the defendant shall be required to deposit in cash, or to furnish
security acceptable to the Banking Court equal in value to, the claim in suit,
and on failure of the defendant to make such deposit or furnish such security,
the Banking Court shall pass decree as prayed for in the plaint:---
Provided that the requirement of deposit in cash or furnishing security may be
dispensed with if in the opinion of the
(6) Suits before a Banking Court shall come up for regular hearing as
expeditiously as possible and, except in extraordinary circumstances and for
reasons to be recorded, a Banking Court shall not allow adjournment for more
than seven days.
(7) Where the claim filed by a banking company before the Banking Court is for
the enforcement of a mortgage of immovable property, the decree shall mean
final decree for foreclosure or sale as provided for in Order XXXIV of the
First Schedule to the Code of Civil Procedure, 1908 (Act V of 1908) and the provision
relating to passing of preliminary decrees contained in the said Order shall
not apply.
(8) In respect of proceedings transferred to a Banking Court under subsection
(6) of section 7, the application for leave to defend filed by a defendant under
Order XXXVII of the First Schedule to the Code of Civil Procedure and the reply
filed by a defendant under section 6 of the Banking Tribunals Ordinance 1984
shall be deemed to be a reply filed by a defendant under subsections (2) and
(3), and no fresh show cause notice shall be necessary.
10. Decree.‑‑ (1) The decree shall provide for interest or
mark‑up, as the case may be, on the judgment debt from the date of institution
of suit to payment,---
(a) in the case of loan, for interest at the contracted rate or at the rate o1
two per cent. above the State Bank Repo rate whichever is higher; and
(b) in the case of finance under a system, not based on interest, for mark‑up
at the contracted rate or at the latest rate of the banking company for similar
finance whichever is higher.
Explanation In clause (a) “State Bank Repo rate” means the Repo rate
fixed by the State Bank of
(2) The Banking Court shall not, without the consent of the decree*holder,
allow the decrial amount to be paid in such installments as would extend the
period of full recovery beyond two years from the date of decree.
11. Attachment before judgment and appointment of receivers.‑‑(1)
Where the plaint under subsection (1) of section 9 is for recovery of any
amount through sale or any property pledged, mortgaged, hypothecated, assigned
or otherwise charged as a security for the loan or finance, the Banking Court
may, at any stage of the proceedings;
(a) attach such property; and
(b) appoint one or more receivers of such property on such terms and conditions
as it may deem fit.
(2) At the time of passing an order under subsection (1), the Banking Court
shall issue to the defendant against whom such order is passed a notice
accompanied by a copy of the order calling upon the defendant to show cause, by
the date specified in the notice, why the order made under subsection (1)
should not be confirmed and, if no cause is shown on or before the date
specified in the notice, the Banking Court shall forthwith confirm such order
until satisfaction of any subsequent decree that may be passed by the Banking
Court.
12. Execution of Decree.‑‑(1) The Banking Court shall, on
the written or oral application of the decree holder, forthwith order execution
of the decree or order and, where the decree or order pertains to money, may
direct, that the amount covered by the decree or order, as the case may be,
shall be recovered as arrears of land revenue in accordance with the provisions
of the Code of Civil Procedure, 1908, or any other law for the time being in
force or in such other manner as the Banking Court may deem fit.
(2) Subject to subsection (3), where a banking company is a mortgagee of any
property belonging to the judgment debtor, it may, sell such property without
the intervention of the Banking Court either by public auction or by private
treaty to any person or purchase such property on its own account and
appropriate the proceeds thereof towards total or partial satisfaction of the
decree.
(3) Where the judgment debtor or any person acting on his behalf does not
voluntarily give possession of the mortgaged property sold or sought to be sold
or purchased or sought to be purchased or purchased by the banking company
under subsection (2), the Banking Court on the application of the Banking
Company or the purchaser shall put the banking Company or, as the case may be,
the purchaser in possession of the mortgaged property in accordance with the
provisions of Order XXI of the Code of Civil Procedure.
(4) Where the mortgaged property has been sold or purchased by the banking
company under subsection (2), the banking company shall present proper account
of the proceeds to the
(5) Where the banking company wishes to sell the property by private treaty or
to purchase it on its own account it shall, before concluding the sale give to
the judgment debtor an option by a notice in writing for purchasing or
redeeming such property at the price at which the banking company proposes to
sell or purchase within such period as the banking company may specify in such
notice which shall not, in any case, be less than seven days.
(6) where a decree passed by a Banking Court remains unsatisfied beyond a
period of sixty days from the passing of decree due to any omission or
commission on the part of the judgment debtor, the Banking Court may on
application made by the decree holder impose a penalty at the rate of twenty
per cent of the decrial amount on the judgment debtor and the amount of such
penalty shall be recovered from the judgment debtor as a fine under the Code of
Criminal Procedure, 1898 (Act V of 1898) and the recovery so made shall be made
over to the banking company as liquidated damages for the failure of the judgment
debtor to satisfy the decree.
(7) Any penalty imposed by a
(8) Notwithstanding anything contained in the Code of Civil Procedure 1908 (Act
VI of 1908), or any other law for the time being in force;
(a) the investigations of claims and objections in respect of attachment of any
property shall be completed within thirty days of filing such claims or
objections, as the case may be; and
(b) the sale of mortgaged or attached property shall not be postponed unless
the judgment debtor or any other person interested therein produces a better
confirmed offer and advance payment equal to fifty per cent. of the purchase
money of the said property is deposited with the
Explanation In clause (b) “better confirmed offer” means the offer‑
of sale price which shall be more than the sale price the property fetched at
the sale sought to be postponed.
13. Provisions relating to certain offences. Whoever,---
(a) intentionally destroys, or removes, or reduces the value of the property on
the security of which loan or finance was provided to him, or, without the
prior approval in writing of the banking company which provided loan or finance
transfer such property or any part thereof otherwise than in accordance with
the terms of approval; or
(b) dishonestly commits breach of the terms of letter of hypothecation of trust
receipt or such other instrument or document executed by him whereby the
possession of the property offered as security for the loan or finance is not
with the banking company but is, retained by or entrusted to him for the
purpose of effecting sale and paying over the sale proceeds thereof, to the
banking company; or
(c) subsequent to the creation of a mortgage in favour of a Banking Company,
dishonestly creates any further encumbrance or parts with the possession of the
mortgaged property, without the written permission of the banking company,
shall, without prejudice to any other action which may be taken against him
under this Ordinance or any other law for the time being in force, be
punishable with imprisonment of either description for a term which may extend
to five years, and shall also be liable to fine, and shall be ordered by the
Banking Court trying the offence to deliver up or refund, within a time to be
fixed by the Banking Court, the property or the value of the property so
destroyed, removed or reduced in value or transferred as the case may be.
Explanation Dishonesty shall be presumed where a borrower or a
customer,---
(a) shall not have deposited the sale proceeds of hypothecated goods with the
banking company in whose favour the goods were hypothecated in accordance with
the hypothecation agreement between the banking company and the borrower or
customer; and
(b) subsequent to the creation of a mortgage in favour of a banking company,
creates any further encumbrance or parts with the possession of the mortgaged
property, without the written permission of the banking company.
(2) Whoever knowingly makes a false statement in an application for Loan or
finance or applies the amount of the loan or finance towards a purpose other
than that for which the loans or finance was applied for by him or furnishes
false accounts of his business to the banking company, shall be guilty of an
offence punishable with imprisonment of either description for a term which may
extend to three years, or with fine, or with both.
(3) Whoever resists or obstructs, either himself or on behalf of the judgment
debtor or any other person, the execution of decree or delivery of mortgaged or
attached property, shall be punishable with imprisonment which may extend to
three years, or with fine or with both.
(4) Where the person guilty of an offence under this Ordinance is a company or
other body corporate, the Chief Executive by whatever name called and every
Director, other than a non‑executive Director, Manager, Secretary and
other officer thereof shall, unless he proves that the offence was committed
without his knowledge or that he exercised all the due diligence to prevent the
commission of such offence, also be deemed to be guilty of the offence and
shall be liable to be proceeded against and punished accordingly.
(5) All offences under this Ordinance shall be bailable, no cognizable and
compoundable.
14. Application of fines.
(a) payment of cost of all or any of the proceedings under this Ordinance; and
(b) payment to a banking company of compensation for any loss caused by the
offence, including loss of income.
15. Transfer of pending criminal proceedings. All criminal proceedings
pending before the Special Courts constituted under the Banking Companies
(Recovery of Loans) Ordinance, 1979 (XIX of 1979), and the Banking Tribunals
constituted under the Banking Tribunals Ordinance, 1984 (LVIII of 1984)
immediately before the establishment of the Banking Courts under section 4
shall stand transferred to the said Banking Court having jurisdiction:---
Provided that a
16. Appeal.‑‑(1) Any person aggrieved by a decree or an
order refusing to set aside the decree and to permit the defendant to file his
reply under subsection (4) of section 9 or a sentence passed by a Banking Court
established under section 4, may, within thirty days of such order, decree or
sentence, prefer an appeal to the High Court:---
Provided that no appeal shall be admitted for hearing unless the appellant
deposits in cash with the High Court an ‑amount equivalent to the
judgment debt or, at the discretion of the High Court, furnishes security equal
in value to such amount:---
Provided further that where the claim of the decree holder is based on the
default of the defendant in payment of agreed installments, the deposit shall
be made or, as the case may be, the security furnished to the extent of the
amount of installments in default.
(2) An appeal under subsection (1) shall be heard by a Bench of not less than
two Judges and, in case the appeal is admitted, it shall be decided within
ninety days from the date of admission.
(3) An appeal under subsection (1) may be preferred on any one or more of the
following grounds, namely:‑‑-
(a) the decision being contrary to law or to some usage having the force of law;
or
(b) the decision having failed to determine a material issue of law or usage
having the force of law; or
(c) a substantial error apparent in the procedure provided by or under this
Ordinance which may have produced error in the decision on merits.
(4) an appeal may be preferred under this section from a decree made ex pane.
(5) No appeal, review or revision shall lie against any interlocutory order of
the
17. Finality of orders. Subject to the provisions of appeal under
section 16, no Court or other Authority shall revise or review or call, or
permit to be called, in question any preceding, order, judgment, decree or
sentence of a Banking Court or the legality or propriety of anything done or
intended to be done by the Banking Court under this Ordinance.
18. Limitation Act, 1908 (Act IX of 1908) not to apply The provisions of
the Limitation Act, 1908 (Act IX of 1908), shall not apply to any suit,
application or other proceedings filed or transferred to a Banking Court under
this Ordinance.
19. Powers to amend Schedule. The Federal Government may, by
notification in the Official Gazette, modify the Schedule so as to add any
entry thereto or omit any entry therefrom.
20. Powers to make rules. The Federal Government may, by notification in
the Official Gazette, make rules for carrying out the purposes of this
Ordinance.
21. Indemnity. No suit, prosecution or other legal proceedings shall lie
against the Federal Government, a Banking Court or a banking company or any
other person for anything’ which is in good faith done or intended to be done
under this Ordinance or any rule or order made thereunder.
22. Removal of difficulties. If any difficulty arises in giving effect
to any )f the provisions of this Ordinance, the Federal Government may, by
notification in the Official Gazette, make such provisions as it thinks fit for
emoting that difficulty.
23. Repeal. The Banking Companies (Recovery of Loans) Ordinance 1979
(XIX of 1979), and Banking Tribunals Ordinance, 1984 (LVIII of 1984) are hereby
repealed.
SCHEDULE
(See section 2(a)(Vi)
1 Bankers Equity Limited
2 House Building Finance Corporation
3 Investment Corporation of Pakistan
4 National Development Finance Corporation
5 National Investment Trust
6 Pakistan Industrial Credit and Investment Corporation
7 Pak. Libya Holding Co. Limited
8 Pak-Kuwait Investment Co. Limited
9 Saudi Pak Industrial and Agricultural Investment Company Limited
10 Small Business Finance Corporation.
11 National Development Leasing Corporation
12 Regional Development Finance Corporation
13 Equity Participation Fund
14 Orix Leasing Pakistan Limited
15. Dadabhoy Agricultural Leasing Company Limited
16 Asian Leasing Corporations Limited
17. Atlas BOT Leasing Corporation Limited
18.
19.
20. Standard Chartered Mercantile Leasing Company Limited
21. National Assets Leasing Company Limited
22. International Multi-Leasing Corporation Limited
23 Ghemni Leasing Company Limited
24 First Leasing Corporation Limited.
25. Credit and Leasing Corporation Limited.
26. English Leasing Company Limited.
27. Trust Leasing Corporation Limited.
28 B.F. Modaraba.
29 B.R.R. Capital Modaraba
30 B.R.R Second Modaraba
31 Constellation Modaraba
32 First Crescent Modaraba
33 First D.G. Modaraba.
34. First Elite Capital Modaraba.
35. First Equity Modaraba.
36. First Grindlays Modaraba.
37. First Habib Bank Modaraba.
38. First Habib Modaraba.
39. First Hajwairy Modaraba.
40. First Inter Fund Modaraba,
41. First Mehran Modaraba
42 First National Modaraba
43 First Nishat Modaraba
44 First Pak. Modaraba
45 First Premier Modaraba.
46. First Professional Modaraba.
47. First
48. First Prudential Modaralia.
49. First Sanaullah Modaraba.
50. First Tawakal Modaraba.
51. First Tri Star Modaraba.
52 First U.D.L. Modaraba
53. Industrial Capital Modaraba.
54. L.T.V. Capital Modaraba
55 Modaraba Almali,
56. Modaraba Al Tijara.
57. Schon Modaraba.
58. 2nd Prudential Modaraba.
59. 3rd Prudential Modaraba.
60. Trust Modaraba.
61. Uni Gap Modaraba
62 Al-Zamin Leasing Modaraba.
63. Crescent Investment Bank Limited.
64. First International Investment Bank Limited
65. Islamic Investment Bank Limited.
66. Al-Tawfeeq Investment Bank Limited.
67. Prudential Investment Bank Limited.
68. Atlas BOT Investment Bank Limited.
69. Security Investment Finance Bank Limited.
70. Fidelity Investment Bank Limited.
71. Al‑Faisal Investment Bank Limited.
72. Citibank Housing Finance Company Limited.
73. Citicorp Investment Bank (
74. Natover Motor Lease Limited.
75. International Housing Finance Limited
76. Interfund Housing Finance Limited.
77. Prudential Discount and Guarantee House Limited
78. Inter
79. Al‑Ata Leasing Modaraba.
80. Al‑Faysal Investment Bank Limited.
81. The Bank of
82. Askari Leasing Limited
83. Capital Assets Leasing Corporation Limited
84. Union Leasing Limited
85. Pacific Leasing Limited
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