Summit Bank Limited (the Bank) is a holding company. The Bank is engaged in the business of banking through approximately 190 branches, including over 10 Islamic banking branches in Pakistan. Its segments include Corporate finance, Trading and sales, Retail banking, Commercial banking, and Payment and settlement. The Corporate finance segment includes underwriting, securitization, investment banking, syndications initial public offering related activities (excluding investments) and secondary private placements. The Trading and sales segment undertakes its treasury, money market and capital market activities. The Retail banking segment provides securities to small borrowers, consumers, small and medium-sized enterprises, and to the agriculture sector. The Commercial banking segment includes loans, deposits and other transactions with corporate consumers. The Payment and settlement segment includes payments and collections, funds transfer, clearing and settlements with the consumers.