Bank Alfalah’s Treasury and Financial Markets Group plays a key role in overseeing the bank’s liquidity, balance sheet, and market risk exposures. It offers a comprehensive range of innovative financial solutions to clients both within Pakistan and Globally. The group’s operations cover the entire spectrum of foreign exchange, fixed income, money markets, and derivatives serving corporates, financial institutions, and public sector entities with responsiveness and expertise. With our customer centric approach Treasury Group service its clients through following functions:
Asset Liability Management & International Treasuries
The ALM Desk operates under the guidance and oversight of the Asset & Liability Management Committee (ALCO). Its responsibilities encompass both daily operational liquidity and the strategic management of the bank’s balance sheet. On Day to Day basis, the ALM Desk serves as the central hub for liquidity management, ensuring that the bank meets all its obligations in both local and foreign currencies.
Trading Division
Trading is at the forefront of delivering dynamic financial solutions across local and global markets. The division is committed to providing clients through Sales Division with timely access to market liquidity, expert insights and a comprehensive range of trading solutions tailored to their financial goals. For better market coverage and client service, trading division operate through below dedicated desks covering foreign exchange, fixed income and rate trading business:
Functions of the Trading Division:
Product Offerings:
Foreign Exchange (FX)
Fixed Income & Money Market
Derivatives & Structured Products
Research & Feedback
Both the desks at Trading Division are structured to provide real-time pricing, risk advisory, and execution services. The dedicated team of professionals are equipped with advanced digital platforms and tools to enhance efficiency, transparency, and immaculate experience for clients through Sale teams.
Treasury Sales Division
Alfalah’s Treasury Sales desk acts as a key intermediary between the bank’s treasury and its clients. The team’s primary responsibility is to sell financial market products (like FX, fixed income, derivatives, and money market instruments) to corporate, institutional, and retail clients. The goal is offer client-centric solution and build client relationships.
Offer a range of treasury products, including:
Execute deals on behalf of clients and ensure best pricing from trading desks.
Enhance digital penetration through the Alfa App; IPS Account opening, Auction Bidding, Secondary Market Trading.
Islamic Treasury
At Bank Alfalah Islamic Treasury, we enable clients to access foreign exchange markets through Shariah-compliant solutions, guided by expert insights and responsive execution. Our FX risk management offerings include Ready, Outright Promise, and Option Promise structures available in multiple currencies to help clients manage exposure and bring certainty to future transactions. By understanding each client’s unique risk profile, we offer tailored, ethical hedging strategies that protect against currency fluctuations and support stable business operations.
Money Market (MM):
Treasury manages the bank’s liquidity and profit rate exposure through shariah compliant Funding and Gaping techniques to lessen funding cost & maximize return on investment using products such as:
Capital Markets & Investor Relations Division
Capital Markets division is responsible for managing bank’s proprietary investments in listed and unlisted equity markets with an objective of generating stable dividend income stream as well as capital gains for the bank. In-house research is also part of the capital market division which regularly covers macro economy and sector dynamics.
Bank’s Investor Relations is also part of the capital market division which remains consistently engaged with stakeholders to provide fair and transparent information about bank’s affairs. These strong efforts culminated in recognition as the "Best Investor Relations" award by the CFA Society Pakistan for the 11th consecutive year.