Banking & Finance

Resolving Banking and Financial Disputes within Pakistan’s Regulatory Framework

Banking and finance disputes in Pakistan are closely shaped by regulatory oversight, statutory recovery mechanisms, and the contractual dynamics of the banker–customer relationship. JuristiQ Chambers advises and represents banks, financial institutions, borrowers, guarantors, and financial service providers in complex, high-value disputes arising from financial transactions and regulatory action.

Our practice combines commercial litigation, regulatory insight, and enforcement strategy, allowing us to address disputes at both the contractual and supervisory levels.

Regulatory & Supervisory Disputes (State Bank of Pakistan)

We regularly advise on disputes and challenges arising from:

• Prudential regulations and SBP directives

• Licensing, compliance, and supervisory actions

• Enforcement proceedings and penalties

• Regulatory inspections and adverse findings

• Directions affecting operations, capital adequacy, or governance

Our experience includes representing regulated entities in judicial review and appellate proceedings challenging regulatory action, as well as advising on compliance-driven dispute mitigation.

Banker–Customer Relationship

We act in disputes involving:

• Breach of contractual and fiduciary duties

• Wrongful dishonour of cheques or instruments

• Freezing or operation of accounts

• Negligence and misrepresentation claims

• Confidentiality and data-related disputes

These matters often involve both contractual claims and regulatory considerations, requiring careful procedural and strategic handling.

Recovery & Enforcement Proceedings

We advise and represent clients in recovery matters, including proceedings under:

• The Financial Institutions (Recovery of Finances) Ordinance, 2001

• Banking courts and execution proceedings

• Enforcement of personal and corporate guarantees

Our work includes defending recovery actions, challenging jurisdiction, and advising on settlement, restructuring, and enforcement strategy.

Guarantees, Standby Letters of Credit & Trade Finance

We have extensive experience in disputes involving:

• Bank guarantees and standby letters of credit

• Injunctions restraining encashment

• Fraud and unconscionability allegations

• Trade finance and documentary credit disputes

Our approach reflects the strict legal standards applied by Pakistani courts, particularly in relation to autonomy of guarantees and limited grounds for injunctive relief.

Security Instruments & Credit Support

We advise on disputes relating to:

• Mortgages, charges, and hypothecation

• Pledges and lien enforcement

• Priority and inter-creditor disputes

• Realisation of secured assets

Our litigation strategy is informed by both contractual documentation and statutory enforcement mechanisms.

Fintech & Digital Financial Services

We advise on disputes and regulatory issues arising in:

• Digital banking and payment systems

• Electronic money institutions and wallets

• Technology-driven financial services

• Regulatory compliance and licensing disputes

These matters frequently involve novel legal questions at the intersection of finance, technology, and regulation.

Cross-Border & Financial Disputes

We regularly advise foreign lenders, investors, and financial institutions on:

• Pakistan-related financial disputes

• Enforcement of foreign judgments and arbitral awards

• Structuring security and enforcement strategy

Our experience allows us to provide practical, enforcement-focused advice grounded in local court practice.

Our Approach

Banking disputes often involve time sensitivity, regulatory exposure, and significant financial risk. JuristiQ Chambers approaches these matters with:

• Deep familiarity with banking law and court practice

• Strategic use of statutory recovery and defence mechanisms

• Clear alignment between legal strategy and commercial outcomes

We assist clients in navigating financial disputes with precision, regulatory awareness, and procedural control.

Related Expertise

Administrative Law & Judicial Review · Appellate Work · Corporate & Commercial · Fintech & Technology · Civil Fraud & Asset Recovery