Consumer Banking Services Division’s products and services mainly comprise auto finance, personal finance, mortgage finance, smart cash, Askari Credit Cards (Master Card), Corporate Credit Cards, Zarai Credit Cards and i-Net Banking (Internet Banking Service). Our consumer finance is focused on expanding target market and enhancing our portfolio through new and improved initiatives and products. Special attention is being given to business opportunities involving strategic alliances to earn sustainable returns, with greater emphasis on secured form of consumer lending and an aim to increase product offerings while improving and maintaining a quality of its risk asset portfolio. In view of the recent phenomena of inflation and changes in interest rates, our Consumer Banking has adopted a selective approach for fresh lending and is focused on containing the growth of problem loans and improving recovery efforts and internal controls.