Corporate Information

Sindh Bank’s vision for promoting economic activity to empower the people of Pakistan and create employment opportunities, brings upon it an onerous responsibility to deliver results.

Thus the Bank’s policies are focused on:

• Enhancing small farmers access to institutional credit and supporting national strategy for increasing agricultural output by funding farm and non-farm projects.
• Promoting SME sector by providing financial solutions to small and medium sized entrepreneurs.
• Funding projects yielding economic benefits to the country.
• Supporting projects that empower women.
• Providing banking facilities in the unbanked areas particularly in the province of Sindh.
• Providing e-banking services to enable Bank’s customers to have fast and easy access meeting their banking requirements by installing the most modern and efficient technological applications that satisfy customers’ expectations.
• Fulfilling its Corporate Social Responsibility in all segments of the Society, particularly for promoting and enhancing education in Pakistan, by supporting and providing interest free loans to meritorious students for higher education, with job guarantee in Sindh Bank.
• Laying a sound foundation for the bank and delivering attractive value for the shareholders’ investment while remaining within the ambit of regulatory requirements.

Entity Rating

Sindh Microfinance Bank (SMFB) stands as a pioneering institution committed to empowering women through financial inclusion. Unlike traditional microfinance banks, our focus is solely on meeting the financial needs of girls and women of all ages.

The vision of Sindh MFB is to create a financially literate and empowered society where women can achieve their full potential. With a robust network of 105 locations comprising 21 branches and 84 service centres, SMFB ensures accessibility across both rural and urban Sindh.

Since its inception in May 2016, SMFB has made a remarkable impact on the financial well-being of women in the region, and has disbursed approximately 400,000 loans accumulating a portfolio that exceeds 13 billion PKR. The dedicated team at SMFB emphasizes digital and financial literacy, guiding clients towards a brighter future through effective savings and investment practices.

Despite serving a predominantly new customer base of 45% every year, the bank maintains a remarkably low non-performing loan rate of less than 1%. This is a testament to their responsible lending practices and commitment to customer satisfaction.

Sindh Microfinance Bank team is devoted to treating underprivileged individuals with dignity and respect. The Bank’s vision of creating a more equitable and inclusive society allows women to thrive financially and contribute to the overall development of their communities.

Our achievements so far:

1. Only greenfield Microfinance Bank that has achieved profitability from its very first year of operations
2. 100% Women Clientele
3. 80% Rural Financing
4. Maintaining one of lowest per borrower cost in the industry
5. Lowest Non-Performing Loans in the Industry

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www.sindhmfb.com