Corporate Banking

Catalyzing Growth Through Tailored Credit Solutions

At Pak Oman Investment Company Limited, our Corporate Banking Division is committed to delivering bespoke, innovative, and impact-driven credit solutions to Pakistan’s leading corporate clients. We serve a broad spectrum of industries and economic sectors, empowering enterprises to pursue expansion, modernization, and operational efficiency with confidence.

Pak Oman Investment Company Ltd.’s Corporate Banking Division plays a pivotal role in structuring innovative corporate lending solutions across a wide range of sectors. Our focus remains on serving the financial and banking needs of clients from various industries, with a strong commitment to supporting sustainable and inclusive economic growth.

We are dedicated to catalyzing growth across Pakistani economic sectors—energy, infrastructure, Education, Information Technology, Renewable Energy, Textiles, SMEs, agriculture and other priority sectors—while fostering mutual investment opportunities between Pakistan and Oman.

Our team excels in structuring and executing customized financing solutions, encompassing working capital lines, term loans, project financing, and structured finance. Backed by deep sectoral expertise, we are uniquely positioned to advise clients across a wide spectrum of industries, including manufacturing, services, infrastructure, energy, healthcare, and other critical sectors of the economy.

Our core objective is to facilitate development-led financing that not only supports our clients' business goals but also contributes to national prosperity, job creation, and sustainable economic growth.

With a client-first approach and deep sectoral expertise, we structure customized financing arrangements that address both short-term liquidity requirements and long-term
strategic objectives.

Our Product Suite

We provide structured financing solutions that enable businesses to expand operations, modernize infrastructure, and meet working capital needs. Our offerings include:

Infrastructure Financing

Long-term funding for industrial, logistics, and utility-based infrastructure projects.

Long-Term Financing

Capital for capacity enhancement, modernization, and strategic investments including SBP’s subsidized financing products

Bilateral Facilities

Customized term and revolving credit lines structured through one-on-one arrangements.

Short- and Medium-Term Financing

Liquidity support for seasonal, operational, and tactical business needs.

Digital Vendor Bill Discounting Facility

An efficient way to access quick cashflows for MSMEs.

We offer flexible leasing arrangements to help businesses acquire essential assets without straining cash flows. Our lease portfolio covers:

Automobiles

Commercial vehicles for logistics, distribution, and operations.

Machinery & Equipment

Industrial and processing machinery for manufacturing and production activities.

We empower large corporates by offering real time working capital to their vendors. This innovative digital solution accelerates receivables settlement, improves liquidity across the supply chain, and strengthens vendor relationships. Integrated with systems, it enables automated invoice verification and financing.

POIC supports trade and contractual obligations through a suite of risk-mitigating instruments, including:

Letter of Comfort

Institutional support to strengthen borrower credibility in third-party engagements.

Letter of Guarantee

Securing performance or payment obligations in commercial or infrastructure contracts.

Letter of Credit – Risk Sharing

Structured trade finance solutions to facilitate import/export transactions with mitigated counterparty risk.

Pak Oman Investment Company in collaboration with leading technology providers is geared to promote farm mechanization across Pakistan. Through these collaborations, we aim to facilitate farmers' access to modern equipment by offering tailored financial solutions. This initiative supports our commitment to enhancing agricultural productivity and sustainable rural development.