ABHI Microfinance Bank Ltd. has entered into a strategic partnership with Dastak Logistics (Private) Limited to introduce Merchant Lending Services aimed at supporting small and medium-sized businesses across Pakistan with easier access to working capital and business financing.

The agreement was formalized at a signing ceremony where Muhammad Umer Rauf, Head Transaction & Employee Banking – ABHI Microfinance Bank, and Intizar Hussain, Chief Executive Officer – Dastak Logistics, signed on behalf of their respective organizations. The ceremony was also attended by senior representatives from both institutions.

Under this partnership, eligible merchants operating within Dastak Logistics’ ecosystem will gain access to tailored financing solutions from Abhi MFB. These facilities are designed to help businesses manage cash flow needs, purchase inventory, expand operations, and strengthen day-to-day working capital without lengthy traditional banking processes.

The collaboration addresses one of the biggest challenges faced by SMEs and merchants in Pakistan — limited access to timely and convenient financing. By leveraging Dastak Logistics’ merchant network and operational data, Abhi MFB aims to create a seamless lending journey with faster assessments, simplified onboarding, and quicker disbursement of funds.

For merchants, this initiative is expected to unlock growth opportunities by providing flexible capital when needed most. Better financing access can enable businesses to stock products efficiently, fulfill larger orders, improve delivery capabilities, and scale operations with greater confidence.

For the broader financial ecosystem, the partnership contributes to Pakistan’s financial inclusion agenda by extending formal credit solutions to underserved merchants and businesses. It also reflects the growing importance of embedded finance models, where lending services are integrated directly into commercial ecosystems to create more relevant and accessible solutions.

Representatives from both organizations shared that empowering merchants with financing tools is critical for supporting entrepreneurship, improving economic productivity, and accelerating digital transformation across Pakistan’s SME sector.

With this collaboration, Abhi MFB continues to strengthen its commitment to merchant-focused financial services, while Dastak Logistics expands value-added support for businesses within its growing network, creating a stronger foundation for long-term business growth nationwide.

Reinforcing its position as a leader in Diversity, Equity, and Inclusion (DEI), Pakistan’s leading digital microfinance bank, Mobilink Bank has successfully graduated 18 women-led startups under its Women Inspirational Network (WIN) Incubator Program, an industry-first initiative designed to unlock the economic potential of women entrepreneurs in Pakistan.

The graduation ceremony, held in Islamabad, was attended by Ms. Wajiha Qamar, Minister of State for Federal Education & Professional Training, as the Chief Guest, alongside key stakeholders from the public and private sectors. 

The WIN program equipped participants with practical skills in digital entrepreneurship, financial literacy, and business scaling, enabling them to build resilient, future-ready enterprises. The ceremony concluded with awards recognizing high-impact ventures emerging from the cohort.

Green Plastics secured the Best Startup Award and received PKR 1 million in seed funding for its innovative solution converting potato peels into recyclable bags. Ecogen and EcoFlow were named winners of the Innovation Challenge, each receiving PKR 500,000 in seed funding for their impactful work in food waste management and affordable sanitary solutions for underserved communities.

With a total of 31 startups now graduated, Mobilink Bank continues to set the benchmark for enabling women-led businesses through structured incubation, mentorship, and access to financial and digital ecosystems. 

Speaking at the occasion, Ms. Wajiha Qamar, Minister of State for Federal Education & Professional Training said that, “The graduation of 18 women-led startups under Mobilink Bank’s WIN Incubator is a powerful testament to the transformative impact of investing in women’s potential. Initiatives like this not only equip women with essential entrepreneurial and digital skills but also pave the way for a more inclusive and resilient economy. It is encouraging to see these ventures addressing critical challenges such as sustainability and social equity. Continued collaboration between the public and private sectors will be key to expanding such opportunities and enabling more women across Pakistan to become drivers of innovation and economic growth.”

Haaris Mahmood Chaudhary, President & CEO, Mobilink Bank, remarked that, “At Mobilink Bank, we are moving beyond access to impact. The WIN Incubator is unlocking a new generation of women entrepreneurs who are not just participating in the economy but leading it. Their success is building a more resilient, inclusive, and future-ready Pakistan.”

The graduating cohort demonstrated a strong focus on sustainability and social impact, with ventures addressing pressing challenges such as plastic waste, food waste, and period poverty, highlighting the growing role of women entrepreneurs in driving climate-conscious and socially responsible innovation. This also comes in line with the Bank’s ESG policy, which is strongly embedded into its core operations.

Mobilink Bank’s continued investment in initiatives like WIN underscores its commitment to building a more inclusive, innovative, and resilient economic future, where women are not just participants, but leaders of change.

Pakistan’s leading digital microfinance bank, Mobilink Bank has signed a crucial partnership with HBL Zarai Services Limited to advance agricultural financing for underserved communities under the ‘Zarkhez-e’ Asaan Digital Zarai Qarza Scheme.

Under this partnership, Mobilink Bank will expand access to structured, in-kind agricultural financing for farmers across Pakistan. The Bank, in collaboration with HBL Zarai services, will link financing with essential agricultural inputs and services to help ensure that credit is utilized for productive purposes and contributes to improved farm-level outcomes. Moreover, it will strengthen the efficiency of the financing process through digital channels to enable more streamlined disbursements and transactions.

Whereas HBL Zarai, as an approved Agricultural Services Provider (ASP), will enable farmers to access high-quality agricultural inputs, ongoing agronomic advisory, mechanization services on a pay-per-use basis, and structured crop offtake solutions. This closed-loop model connects financing with input utilization and market access, enhancing transparency, minimizing inefficiencies, and strengthening farmers’ economic resilience.

Commenting on the occasion, Harris Mahmood Chaudhary, President and Chief Executive Officer, Mobilink Bank, said, “Mobilink Bank remains committed to expanding access to finance in a way that is both practical and meaningful. Through our collaboration with HBL Zarai, we are bringing a more integrated approach to agricultural financing by linking credit with inputs, advisory, and market access. This helps ensure that financing is used effectively, improves outcomes, and supports more sustainable and resilient livelihoods.”

Amer Aziz, Chief Executive Officer of HBL Zarai Services Limited, added, “This partnership with Mobilink Bank is a significant step toward strengthening the delivery of structured agricultural financing. By combining financial access with on ground agricultural services, we are ensuring that financing translates into real productivity, improved yields, and better market outcomes for farmers.”

Through this partnership, Mobilink Bank and HBL Zarai aim to enhance coordination, streamline service delivery, and scale in-kind agricultural financing across key agricultural regions. The initiative supports national priorities for sustainable agriculture, financial inclusion, and inclusive economic growth to help Pakistan’s agriculture sector reach its full potential.

ABHI Microfinance Bank Limited has entered into a strategic agreement with EFU Life Assurance Ltd. to offer life insurance solutions to its customer base, aiming to expand access to financial protection and long-term security across Pakistan.

The collaboration establishes a framework under which EFU Life’s insurance products will be distributed through ABHI Microfinance Bank’s platform, enabling customers to access insurance coverage alongside their existing financial services. The initiative is designed to support greater financial inclusion by integrating protection solutions into everyday banking.

Through this partnership, customers will be able to benefit from a range of life insurance offerings, helping them manage financial risks and plan for the future. The agreement also outlines mechanisms for product distribution, customer onboarding, and service delivery, ensuring that insurance solutions are accessible, transparent, and aligned with regulatory requirements.

Both organizations will work closely to ensure effective implementation, including staff training, customer awareness initiatives, and ongoing operational coordination. The collaboration also emphasizes adherence to regulatory standards, data protection protocols, and responsible sales practices to safeguard customer interests.

The agreement defines ABHI Microfinance Bank’s role as a distribution partner, while EFU Life will remain responsible for underwriting, policy servicing, and claims management. This structure allows each organization to contribute its respective expertise to deliver seamless customer experience.

The agreement was signed by Umer Rauf, Head of Transaction & Employee Banking at ABHI Microfinance Bank, and Muhammad Ali Ahmed, Chief Executive Officer at EFU Life Assurance Ltd., along with senior representatives from both organizations.

Through this partnership, ABHI Microfinance Bank and EFU Life aim to strengthen access to insurance solutions and promote financial resilience among individuals and families. By combining banking access with insurance offerings, the collaboration seeks to support customers in managing both their financial needs and long-term security.

Mobilink Bank, Pakistan’s leading digital microfinance bank in collaboration with JazzCash, Pakistan’s leading digital financial services platform, has inaugurated the Chaklala Scheme-III Cashless Bazaar in Rawalpindi, covering 900 shops & carts, accelerating the push towards realizing the Prime Minister’s vision of a cashless economy led by State Bank of Pakistan. This step extends digital financial infrastructure into everyday marketplaces, making transactions simpler while empowering communities.

The inauguration ceremony was graced by Brigadier Syed Ali Anjum, Station Commander Rawalpindi, as the Chief Guest. The event was also attended by Rizwan Khaleel Shamsi, Joint Director at the State Bank of Pakistan, Atta ur Rehman, Chief Business Officer at Mobilink Bank, as well as senior leadership from JazzCash and Mobilink Bank, along with local merchants and community members.

A core component of this transformation is the deployment of Raast-enabled QR codes across the bazaar. This allows merchants to accept instant, secure payments directly from mobile wallets, significantly reducing the hassle of handling physical cash. For the customers, it offers a seamless checkout experience with real-time fund transfers, making everyday shopping faster and more secure. Mobilink Bank will open Business Plus accounts for participating retailers and offer a suite of solutions, including health and fire insurance, SME loans, and solar and EV financing.

Commenting on the initiative, President & CEO of Mobilink Bank, Haaris M. Chaudhary emphasised, “With our digital-first approach at Mobilink Bank, we believe a cashless economy must start where everyday commerce happens – in our local bazaars. This initiative will bring small merchants into a more secure, inclusive financial system. With on-ground enablement through fintech platforms like JazzCash, we are making transactions simpler and advancing digital financial inclusion at scale,”

Murtaza Ali, CEO of JazzCash, said, “The realization of the Prime Minister’s vision for a cashless economy depends on the effective digitization of high-frequency commerce. Bazaars represent the highest concentration of daily transactions in Pakistan, and JazzCash is at the center of this shift, supported by a nationwide network of over 1 million Raast-enabled QR merchants. By bringing seamless digital payments into these spaces, we are helping merchants transition into a formal, connected financial system. This evolution improves everyday lives by making financial services more accessible, reliable, and inclusive for millions of citizens.”

The Chaklala Scheme-III Cashless Bazaar serves as a scalable blueprint for how localized interventions can drive national transformation. By combining government vision with robust digital infrastructure and effective on-ground execution, JazzCash and Mobilink Bank are accelerating Pakistan’s journey toward a truly Cashless economy.

Mobilink Bank is setting a new benchmark for sustainable banking in Pakistan, rapidly advancing its ESG-led transformation to become the country’s most forward-looking, responsible, and future-ready financial institution. With more than one-third of its nationwide branch network now powered by renewable energy, the Bank is decisively leading the shift toward low-carbon, inclusive finance at scale.

During a recent visit to Mobilink Bank, Kaan Terzioglu, Chief Executive Officer and Board Member of VEON Group, reviewed the Bank’s digital-first operating model, customer-centric innovations, and sustainability initiatives. He engaged with customers and observed firsthand how Mobilink Bank is delivering secure, accessible, and future-ready financial services at scale.

Kaan Terzioglu, Chief Executive Officer of VEON, said, “Mobilink Bank’s progress in embedding sustainability into its operations is both timely and impactful. The scale at which the Bank is advancing green financing, alongside expanding digital financial access, highlights its commitment to responsible growth. This is a strong example of how financial institutions can support initiatives that are both good for the environment and drive both economic growth in emerging markets.”

Commenting on the Bank’s direction, Haaris Mahmood Chaudhary, President and CEO Mobilink Bank, said: “Sustainability is not a parallel agenda for Mobilink Bank; rather, it is the engine of our growth. We are building Pakistan’s leading bank for small businesses through a model that is digital-first, ESG-driven, and built for long-term impact. From green financing to renewable-powered operations, we are embedding responsibility into every layer of our business.”

Mobilink Bank’s ESG-led strategy spans green financing, responsible operations, and inclusive growth. The Bank has deployed PKR 2.9 billion in green financing to accelerate the adoption of clean energy and green mobility solutions, including solar systems and e-bike financing for underserved segments. At the same time, its transition to renewable energy across 35% of its branch network underscores a decisive shift toward low-carbon operations.

To further institutionalize its sustainability agenda, the Bank is building a data-driven decarbonization framework through an automated ESG platform, with baseline emissions measured at 4,489 metric tons of CO₂, laying the foundation for transparent tracking and long-term reduction targets.

Beyond environmental impact, Mobilink Bank continues to lead on social inclusion. The Bank has enabled over 31,000 women through targeted financial inclusion programs in 2025 and is supporting a PKR 50.30 billion gross loan portfolio to expand equitable access to finance for small businesses. Its commitment to community development is reflected in initiatives such as the solarization of a Digital Arts Lab at Khatoon-e-Pakistan Government Girls School, in partnership with Zindagi Trust, benefiting 310 students, and a clean water initiative improving access for over 1,000 students.

As sustainability becomes a defining pillar of modern banking, Mobilink Bank’s integrated ESG approach positions it as a catalyst for systemic change, driving economic empowerment, environmental responsibility, and digital innovation to build a more inclusive and future-ready Pakistan.

The collaboration establishes a framework through which both organizations will work together to design and promote financial solutions tailored to the education ecosystem. These solutions may include education financing options for families, earned wage access facilities for teachers and school staff, and financing support for school owners to upgrade technology infrastructure and operational capacity.

As education institutions increasingly adopt digital tools and modern management systems, the need for accessible financial solutions that support both institutions and families continues to grow. Through this partnership, ABHI Microfinance Bank and Knowledge Platform aim to explore ways to align financial services with the evolving needs of the education sector while supporting greater financial inclusion.

The collaboration will also include outreach initiatives such as awareness campaigns, engagement with schools, and joint marketing activities designed to help educators, parents, and institutions better understand and access available financial solutions. Knowledge Platform will assist by identifying potential partner schools, supporting solution design, and facilitating engagement within the education community.

As part of the initial phase of the collaboration, both organizations plan to conduct a pilot program with selected school groups in the Islamabad and Rawalpindi region. The pilot will help evaluate product adoption, gather feedback from participating schools and families, and refine service offerings before potential wider rollout.

The agreement was signed by Mariam Pervaiz, Chief Commercial Officer at ABHI Microfinance Bank, and Mahboob Mahmood, Founder and Chief Executive Officer at Knowledge Platform. The signing ceremony was also attended by Kabeer Naqvi, Entrepreneur in Residence at ABHI, along with senior representatives from both organizations.

Through this collaboration, ABHI Microfinance Bank and Knowledge Platform aim to support a more inclusive and digitally enabled education environment by connecting financial services with learning ecosystems and strengthening support systems for schools, educators, and families across Pakistan.

Islamabad – March 03, 2026: Pakistan’s leading digital microfinance bank, Mobilink Bank, has entered into a five-year partnership with Sindh Enterprise Development Fund (SEDF), Government of Sindh, to expand access to structured financing for micro, small, and medium enterprises (MSMEs) across priority economic sectors in the province. The collaboration will unlock up to PKR 1 billion in financing by combining Mobilink Bank’s lending capabilities with SEDF’s markup subsidy support to reduce the cost of capital for entrepreneurs and stimulate sustainable economic activity province-wide.

The collaboration strengthens financing ecosystems for underserved and high-impact sectors, including agri value chains, livestock and dairy, poultry, fisheries, cold storage and logistics, renewable and alternative energy solutions, women-led enterprises, mining and mineral processing, and innovation-driven IT projects. Under the partnership, Mobilink Bank will extend short, medium, and long-term MSME financing, while SEDF will provide markup subsidy support of up to one-year KIBOR or 10 percent – whichever is lower – for an initial three-year period, extendable based on performance. Individual projects will be eligible for financing of up to PKR 5 million, with flexibility for expansion in innovative cases.

Commenting on the partnership, Haaris Mahmood Chaudhary, President & CEO, Mobilink Bank, said, “Small businesses are the backbone of Pakistan’s real economy. They drive employment, power local communities, and sustain regional value chains, yet many entrepreneurs continue to face structural barriers in accessing affordable finance. Through our partnership with SEDF, we are aligning financial innovation with policy support to expand access where it is needed most. We want to channel affordable capital directly to local entrepreneurs, enable bottom-up economic growth, and unlock sustainable livelihoods across the province. This collaboration is about strengthening small businesses today to build a more resilient and inclusive economy for tomorrow.”

Zubair Ahmed Channa, Secretary, Investment Department, Government of Sindh, underscored the Government’s commitment to strengthening institutional financing ecosystems that support productive sectors across the province. He stated that structured collaborations such as this agreement reinforce policy alignment between the public and private sectors while creating scalable financial pathways for SMEs operating in Sindh’s value-added industries.

The partnership reflects Mobilink Bank’s commitment to combine public policy support with private sector efficiency to drive inclusive growth, sustainability, and entrepreneurship in Pakistan’s emerging economic regions. The collaboration will enable MSMEs, particularly those in rural areas and women-led businesses, to invest in productivity, adopt green technologies, and scale their operations at lower borrowing costs and improved access to formal credit.

The Mobilink Bank-SEDF partnership will integrate concessional support with commercial financing to spur long-term economic resilience in Sindh, a viable model that can be well replicated in other provinces.

 National Bank of Pakistan (NBP) participated in the Asia Pacific Shelter Settlements Forum Pakistan (APSSFP) 2026, held recently in Karachi. In recognition of bank’s participation and contribution, Mr. Mahmood Akhtar Nadeem, EVP & GM Karachi, NBP, and Mr. Muhammad Ayyub, EVP & Divisional Head, Housing Finance Division, Retail Banking Group, received the award from Chief Minister, Sindh, Syed Murad Ali Shah on behalf of President NBP, Mr. Rehmat Ali Hasnie.

The event was organized by Sindh Peoples Housing for Flood Affectees (SPHF) to advance post-2022 flood housing reconstruction in collaboration with multilateral partners, including the world Bank, ADB, and IsDB. NBP showcased its Retail Banking products at this high-profile international forum by setting up an on-site kiosk engaging key stakeholders and reinforcing its support for housing and financial inclusion initiative.

The Forum brought together over 160 international delegates, 40 government representatives from Asia-Pacific countries, and 400 national participants from academia, media, government, and the private sector.

Pakistan’s leading digital microfinance bank, Mobilink Bank has announced its financial results for the year ended December 31, 2025. The bank delivered strong growth across key financial and operational indicators while reinforcing its leadership position in Pakistan’s microfinance banking sector.

Mobilink Bank delivered a strong financial turnaround in 2025, with Profit Before Tax reaching PKR 3.62 billion, reflecting a 217% YoY growth, while total revenue rose 33% to PKR 89.5 billion. Deposits grew 38% to PKR 214 billion, the highest in the microfinance industry, highlighting strong customer confidence. The Gross Loan Portfolio expanded to PKR 103 billion, up 38%. The Bank also maintained a healthy Capital Adequacy Ratio (CAR) of 19.53% at the year end, underscoring its solid capital position and prudent risk management.

In line with its sustainability priorities, the Bank recorded a 55.5% YoY incremental increase in green financing, supporting individuals, households and small businesses in adopting sustainable products/resources. It also continued to advance financial inclusion, with women representing 24.6% of the loan portfolio base, supported through targeted loan offerings and greater digital access.

A major highlight of 2025 was the launch of Islamic Banking, which marked a strategic milestone in the Bank’s evolution to be able to cater to diverse social segments. By introducing Shariah-compliant financial solutions, Mobilink Bank broadened access to faith-aligned banking products while reinforcing its position as a responsible and forward-looking microfinance institution.

The Bank’s performance reflects its firm commitment to responsible lending, ensuring that all credit decisions are grounded in prudent affordability assessments, transparent pricing, fair collection practices, and full compliance with applicable SBP regulations. It continues to strengthen internal controls to prevent customer over-indebtedness and support sustainable financial inclusion. The Bank’s growth trajectory has been further strengthened by continued shareholder confidence, reinforcing its capital position and supporting its long-term expansion and digital transformation strategy.

Commenting on the financials, Haaris Mahmood Chaudhary, President & CEO Mobilink Bank said, “Behind these numbers is a deeper purpose of expanding access to finance for the underserved. As the country’s largest microfinance bank, we are grateful to our customers, regulators, shareholders, and teams whose trust and dedication continue to drive our progress. Our growth reflects the confidence of millions who rely on us to support their livelihoods. We remain focused on empowering small businesses and entrepreneurs through responsible, faith-aligned digital banking that creates lasting opportunity and inclusion across Pakistan.”

Commenting on the financials, Adil Ali Abbasi, Chief Financial Officer Mobilink Bank said, “Our 2025 performance reflects a strong focus on financial discipline, improved asset quality, and efficient balance sheet management. The growth in profitability, deposits, and portfolio scale highlights the strength of our core business and our ability to build momentum while maintaining prudent risk and capital positions. As we move forward, we will continue to strengthen our financial foundations, drive operational efficiency, and support the Bank’s long-term growth through sustained investment in digital transformation and innovation.”

Moving into 2026, Mobilink Bank remains committed to becoming the number one bank for small businesses powered by digital Islamic Banking solutions.