Shahid Hafiz Kardar

Royal Bank of Scotland Ltd. provides financial services. Its segments includes: Corporate finance consists investment banking activities such as merger and acquisition, underwriting, privatization, securitization, Initial Public Offers and secondary private placements. Trading and sales undertakes the banks treasury, money market and capital market activities. Retail banking provides services to consumers, small and medium enterprises and borrowers agriculture sector and it consists loans, deposits and other transactions with retail customers. Commercial banking provides services to project finance, export finance, trade finance, leasing, lending, guarantees, bills of exchange and deposits from corporate customers. Agency services includes income from rent of lockers provided to customers. The company was founded on September 30, 1991 and is headquartered in Karachi, Pakistan