The document provides information about Ahmed & Azeem Law Consultants, a law firm in Pakistan that specializes in banking law. It discusses the current depressed state of Pakistan's banking industry. It then outlines the law firm's expertise in various areas of banking law, including lending disputes, secured transactions, and Islamic financing. Biographies are provided for three of the firm's experienced banking lawyers. Finally, the document lists some of the law firm's notable clients.

1. AHMED & AZEEM LAW CONSULTANTS
After having a great thriving atmosphere in Pakistan’s Banking and Financial Sector, now which
has taken a “U-TURN”, and the Banks which were once determined to increase deposits at any
cost are now reluctant to increase their capital costs, therefore, Banking industry has been struck
with depression, coupled with high inflation and ever increasing cost of living in Pakistan, many
consumers who were once seen as risk free by banks are being denied landings. This adverse
scenario has resulted in litigation at a high rate in the Banking Sector of Pakistan. Banks in
Pakistan are now operating more stringent policies to improve the recovery of their Debts, while
some “Aggressive Banks” adopted measures those are sometimes become so offensive due to
that the basic consumer rights have been violated many a times. This is where We Ahmed &
Azeem come in filed to serve the humanity, our main objective being to resolve the issues in the
most amicable approach; however, Legal suit may be used as a last resort.
Most offences under Banking & Finance are administrated under Financial Institutions (Recovery
& Finances) Ordinance, 2001 in Special Courts named as Banking Courts in Pakistan. These
Banking Courts are 29 in number all over Pakistan.
One of biggest drawback of engaging an “Unreliable Banking Lawyer/ Attorney” in Pakistan is that
many lawyers have brought discredit to this profession by selling their cases, especially their
Banking Cases to opposite parties. The main aim of such Banking Lawyers / Attorneys is to
prolong cases and earning heavy litigation bills from both sides, and by both sides we mean
literally both sides and it harm the clients in double one in way of litigation bills and other in shape
of increasing cost of funds on the subject matter debt.
The edge Lawyers/Attorneys at Ahmed & Azeem provide over our competitors is that our
prospective clients are given full confidence that no attorney or lawyer of our law firm will
ever engage in such unlawful and immoral conduct which brings disrepute to the profession,
the law firm and at the same time loses the case of his client without any proceedings. Lawyers
and Attorneys at Ahmed & Azeem strive to reduce litigation times and cost to a minimum level
ever in the Banking & Finance Sector in Pakistan. Our repute in the Pakistan market particularly
in the sector of Banking Laws being Lawyers/Attorneys is one of the trust worthy name at the
most optimum speed as well as to reduce the risk factor their valued clients at both the
sides. In many circumstances in Banking practice, it is always preferable and advisable to use
arbitration, however, the lawyers and attorneys at Ahmed & Azeem will
only provide arbitration services after the express approval of our esteemed Clients ( Banks
and/or Consumer Clients alike) .
The Banking Law Division, which comprises of specialist Banking Lawyers and Consultants,
provides a whole range of legal advisory services to Consumers in Pakistan. Our services include
policy and legal advisory, drafting and advocacy services, covering both domestic and
international transactions.
Our Expert Banking Lawyers /Attorneys are dressed to valued reliability and quality of work
along with no negligence policy; therefore, Ahmed & Azeem stands out as the premium Law
Firm providing Banking Law Services in Pakistan. Here at this we strive for excellence with
perfection in all aspects of our relationship between banks and customers.
MORDERN BANKING LAWYERS
We deal with various legal issues regarding modern banking, relating to the traditional activities of
taking deposits from customers, paying out on demand and lending money to all kinds of asset
securitization. We have extensive experience of advising, consulting, negotiating, litigating,
providing policy advice and acting on behalf of national and international consumers, donors
and borrowers on secured and other lending transactions.
AREAS OF EXPERTISE
Banking Lawyers and Attorneys of Ahmed & Azeem provide the following services in Pakistan in
relation to Banking & Finance Disputes to Consumers of Banks;
 Our Banking Lawyers provide detailed pre and post loaning & default legal & litigation
servicers to the consumers of Banks.
 Ahmed & Azeem also provide arbitration servicers with the prior permission from our
esteemed clients to negotiate the loan disputes with the Bank, other corporates &
individuals.
 Banking attorneys at Ahmed & Azeem works closely with clients in a wide range of
secured and unsecured loan transactions and other credit transactions, including
participation arrangements.
 Banking Lawyers at the law firm provide corporate clients with comprehensive legal audit
and due diligence services regarding all sort of financial transactions.
 The Law Firm has knowledge with regard to new and creative financing techniques being
utilized in Pakistan such as Asset Securitization and Term Finance Certificates and their
private placement or public issues.
 Ahmed & Azeem also has specialized experience with regard to Shariah Law
transactions, modes of finance and jurisprudence.
 And the list goes on

2. Our corporate law firm also provides our clients with expert practical legal advice regarding
Financial Institutions (Recovery of Finances) Ordinance 2001, the State Bank of Pakistan
Prudential Regulations relating to Banking as well as Non-Banking Financial Institutions and all
regulatory concerns of Financial Institutions.
Because of extensive knowledge of the specialist lawyers and attorneys at Ahmed & Azeem, we
have a definite edge in the financial services industry, our expert lawyers are often called upon to
provide legal opinions concerning proposed and pending legislation. A summarized brief of our
experts are as under;
SHAHZAD AHMED QURASHI
Mr. Shahzad Ahmed Qurashi was admitted to practice law in year 2002. His qualifications and
experience are summarized below:
B.Com. [Punjab];
L.L.B. [Punjab];
Advocate, [High Courts of Pakistan];
Specializing in Opinion work, Conveyance different Documents & Registration, Corporate Laws,
Banking Litigation, Civil and Contract Negotiations, Revenue and Land disputes.
He has already been worked with many leading financial institutions i.e,
1. Faysal Bank Limited
2. Bank Al-Falah Limited
3. Citibank N.A.,
With the extensive hard work he earned the excellence of expertise in the sector of litigation as
well as documentation and opinion work. He is also working with the MCB Bank Limited since
long in the sector of documentation as well as in the opinion side on corporate and consumer
loaning.
SARDAR AZEEM AFRASIYAB
Mr. Sardar Azeem Afrasiyab was admitted to practice law in year 2007. His qualifications and
experience are summarized below:
L.L.B. [Punjab);
M.S [Comp Sc] [GIMS);
MBA [Marketing] [GIMS);
M.A. [Pol.Sc] [Punjab);
Msc. [Psychology] [Punjab);
Advocate, [High Courts of Pakistan);
Specialized in Banking Laws, Corporate, Commercial, Criminal and Civil litigation, Alternate
Dispute Resolution, International Arbitration, Business Transactions, Financial Matters, Law of
Property and contract negotiations consist on exposure of about 9 years of experience in above
said walks of advocacy.
It is further added here that he has already been worked with many leading financial institutions
i.e.
1. Faysal Bank Limited
2. Bank Al-Falah Limited
3. Citibank N.A.,
4. MCB Bank Limited
5. Barclays Bank
RAJA NAVEED ARIF JANJUA
Admitted to practice law in 2007. His qualifications and experience are summarized below;
B.Com. [Punjab];
L.L.B. [Punjab];
Msc. [Criminology] [Punjab];
Diploma in Criminality & Security Sciences [Punjab];
Advocate, [High Courts of Pakistan];
In order to live up to its reputation of providing prompt quality services to its valued clients,
Ahmed & Azeem, has made a set-up of specialized team of Lawyers and Associates to look after
the Banking, Civil, Criminal, Intellectual Property affairs of its clients. At present Ahmed & Azeem
is providing assistance to its valued clients arising therefrom. Detail of our some of valued clients
is as under;
1. Port-west Limited. (Ireland)
M/s PORTWEST is one of Europe’s best known design and manufacturers of work-wear,
personal protective equipment and outdoor leisurewear. With over 100 years’ experience.
2. Kemi-tec Water Treatment Limited. (Denmark)
M/s Kemi-tec ApS is a Danish-owned company that specializes in chemical water treatment
and offering lowest price on high-t and environmentally friendly special chemicals.

3. 3. Kemi-Tech Water Treatment (Pvt.) Ltd. (Pakistan)
M/s Kemi-Tech Water Treatment Private Limited is joint venture of by Danish and Pakistan
nationals dealing in what treatment chemicals and providing solutions all over the world for
heating boilers.
4. Hydro-X Private Limited. (Pakistan)
M/s Hydro-X Private Limited is also a venture of Danish & Pakistan nationals providing
solution for water carrying systems and offering service to install and import all sort of pumps
and chemical treatment.
5. IKDAR TRENDS (TRADITIONALLY FASHIONABLE)
IKDAR TRANDS is a sister concern of the Imran Khan Developmental Academic Research
and has started working the Islamic Republic of Pakistan for launching various joint ventures
with the name picture of Mr. Imran Khan the president of Pakistan Tehrik-e-Insaf with the
slogan of 'vision and action together,' in order to revive and enhance the socio-economic and
political values of South Asian countries.
6. J. S Enterprises (Pvt.) Ltd
M/s J. S Enterprises Private Limited is dealing in manufacturing of home textiles as well work
wear and providing solutions of import and export services.
7. Zain Group of Companies
Zain Group is a leading group of companies in the sector of construction, supplying good in
the government departments as well as have a state of art set up in the printing sector.
8. Saad Oriental Carpets & Companies.
Saad Oriental Carpets is also a set of companies and engaged in the knotting of hand made
parts under the name of style of Saad Oriental Carpets as well as Premier Oriental Carpets
having turn over of millions of U.S $ in import & export sector having a great repute in the
Chamber of Commerce as well as Export Carpet Association and have also won the award
for highest export of carpets.
9. H. K. B, Lahore
Haji Karim Buksh is the leading out let stores chain in the country.
10. Silver Grain Rice Mills
Silver Grain Rice Mills is one of the top level rice mills in Pakistan and dealing in import &
export of rice as well as captured the local market and generating turn over of millions of
rupees in this sector.
11. M/s Akhtar Traders
M/s Akhtar Traders is a big name in the treading of steel from all over the world and
generator of huge revenue from the industry of steel and other metals.
12. Awan Oxygen Company Private Limited
Awan Oxygen Company is one of the leading company providing solutions to the medical
sector to the save the humanity.
13. Al-Deen Rice Mills Private Limited
Al-Deen Rice Mills is a trust worthy name in the rice industry providing quality rice all over the
world having state of art set up in Sahiwal, Pakistan.
14. Rayan Oriental Rugs Private Limited
Rayan Rugs is the biggest leader in the world for producing huge revenue from the export of
Rugs and also a trust worthy name in the local market of Rugs.
15. Pak Hero Group of Companies Private Limited
Pak Hero is one of the leading manufacturing groups of the Pakistan having turnover of about
billions at the international and national level.
16. Jinan Motor Cycle Private Limited Haiderabad (Karachi)
Jinan Motor Cycle Private Limited is one of the leading manufacturing groups of the Pakistan
having turnover of about billions at the international and national level operating their
business from their head office situated at China.
17. United Motor Company Haiderabad (Karachi)
United Motor Company is a major motor cycle manufacturing groups of the Pakistan at the
international and national level operating their business from India.
Apart from mentioned above the Ahmed & Azeem is also providing below mentioned services to
its valued clients;
 Banking Transactions in all walks litigation & settlement agreements
 Incorporating companies and other legal structures through which to operate in a
country.

4.  Tax and other fiscal planning.
 Contracts and commercial transactions.
 Distributions and franchising agreements.
 Matters relating to approvals from Government Agencies, Departments and
Regulatory Bodies.
Further information regarding the law firm can be furnished upon request.
We hope that the above brief presentation regarding our Banking Lawyers and Banking Law
Practice in Pakistan will convince you to entrust us with your legal issues. Hope to see you soon.
You may fine us at;
Ahmed & Azeem Law Consultants
241, 2nd Floor, Landmark Plaza, Jail Road,
Lahore, Pakistan.
Phone No. +0092-0423-5791093
Cell No. 0092-3334122250
E-mail. ahmednazeem@lawyer.com