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About SME Banking

Small and Medium Enterprises (SME) are a priority among economic development goals, in both developed and emerging economies. SMEs are a primary driver for job creation and GDP growth. They contribute to economic diversification and social stability while playing an essential role in private sector development.

HABIBMETRO Bank provides financial inter-mediation to SMEs for varied requirements, including long-term and short-term financing working capital, trade-based and other structured loans.

Definition of SMEs (Small & Medium Enterprises)

Small Enterprises

A Small Enterprise (SE) is a business entity, which meets both the following parameters:

Number of Employees: Up to 50 (including contract employees)
Annual Sales Turnover: Up to Rs.150 million

A Small Enterprise can avail financing up to Rs 25 million from a single Bank/DFI or from all Banks/DFIs. At least 40% of the project’s/enterprise’s financing should come from the borrower in the form of equity. Up to 60% would be financed by HABIBMETRO Bank.

Medium Enterprises

Medium Enterprise (ME) is a business entity, ideally not a public limited company, which meets the following parameters:

                                                  Number of Employees
Manufacturing and Services 51-250 (including contract employees)
Trading 51-100 (including contract employees)
Annual Sales Turnover Above Rs 150 million and up to Rs 800 million

A Medium Enterprise (ME) can avail total financing (including leased assets) up to Rs.200 million from a single Bank/DFI or from all Banks/DFIs.  At least 40% of the project’s/enterprise’s financing should come from the borrower in the form of equity. Up to 60% would be financed by HABIBMETRO Bank.

Who Can Apply And For What Purpose?

Sole proprietors, partnership firms and all other legal entities can apply for SME financing as per the mentioned criteria. This financing can be obtained for the purpose of setting up new business and/or expansion of existing business.

SBP Regulations