Social Responsibility Policy Statement:
FMFB understands social responsibility as the Bank’s responsibility arising from the impact of its activities on people’s lives, society, and the environment. FMFB is committed to understanding, monitoring, and managing the economic, social and environmental impact of its activities and to contribute to a wider goal of sustainable development. This commitment is ingrained in the Bank’s Mission, Vision, and Code of Ethics and Business Conduct. In order to deliver on this commitment FMFB shall define social responsibility focus areas and adopt social performance management best practices to monitor and measure the social performance of the Bank.
Social Responsibility Focus Areas:
1. Financial inclusion: Financial inclusion is an important focus area for FMFB as Pakistan is one of the largest unbanked countries in the world. The Bank intends to promote access to financial services for the target market in Pakistan, with a special focus on financially excluded segments. The Bank intends to foster financial inclusion through leveraging technology and digital channels through a dedicated Digital and Financial Inclusion department that shall have ownership of expanding outreach and offering financial products that cater to client needs.
2. Responsible Finance:
Responsible Finance is defined as offering financial services in an accountable, transparent, and ethical manner. At FMFB responsible finance encompasses the following aspects:
- Financial Literacy: FMFB has programs and appropriate mechanisms i.e. financial literacy measures to improve clients’ financial knowledge and skills, to enable them to understand financial risks and to make informed financial decisions.
- Financial Consumer Protection: Implement minimum standards of transparency, disclosure, fairness, and ethical conduct, grievance handing, that clients should expect to receive when doing business with the FMFB and ensuring systems and processes are in place to protect consumers.
3. Employee well-being:
FMFB endeavors to promote practices or initiatives that improve employee well-being and work-life balance. The Bank shall use appropriate tools to gather employee feedback and measure employee satisfaction and take appropriate actions for employee well-being.
4. Environmental sustainability:
FMFB believes it has a responsibility to minimize its environmental hazards and manage environmental risks. FMFB shall strive to create awareness amongst staff, clients, and other stakeholders of issues that adversely affect the environment.
5. Community development:
FMFB intends to demonstrate commitment towards the communities it operates in by identifying and supporting activities that may facilitate the upliftment or development of these communities. Activities/projects in this focus area may relate to sports, local festivals, education, skill development, health, etc.
Financial Consumer Protection Journey

Loans
