Banking

Khosa & Rizvi’s banking and finance practice is a founding practice of the firm and continues to represent one of Khosa & Rizvi’s signature strengths. More than half of the firm's one hundred largest clients are bank holding companies, commercial banks, investment banks, insurance companies, leasing companies, asset-based lenders or institutional real estate companies. Alongside several other banks whom we represent, we are proud to be the legal representatives of one of the largest banks in Pakistan i.e. Muslim Commercial Bank Limited.

Our banking and finance practice also represents numerous finance companies and fixed income funds, mezzanine investors, hedge funds, financial service boutiques, spin offs and other financial institutions and investors, as well as a large number of borrowers operating in many different businesses and industries.

We have extensive experience in numerous areas of banking and finance including:

Islamic Finance
Project
Real Estate Finance
Transport & Equipment
Consumer Finance

We have acted on clients instructions ranging from lending transactions (both secured and unsecured) including syndicated loan, medium-term loans, single or multi-currency facilities and financial products such as multiple option facilities, revolving underwriting facilities and commercial paper. We prepare and review security documentation (charges, guarantees and ancillary documents). Our practice also includes advice on the formulation and implementation of credit card/debit card schemes, retail banking, e-banking and consumer credit.

Capital Markets/debt

We on our regular basis acted for some of the top brokerage houses and securities firm(s) within Pakistan and have been regularly rendering our expert legal advice to Pervez Ahmed Securities Limited (PASL) and D.S. Industries Limited (DSIL) (both renowned public listed companies).

Business Transactions & Corporate Advice

Corporate and securities law is at the core of Khosa & Rizvi’s practice. Our Corporate & Securities lawyers provide a full range of legal services to leading global companies and financial institutions with respect to some of their most important transactions. Our expansive capabilities throughout Pakistan in particular and the world in general allow us to handle complex cross-border deals and, at the same time, use our local market knowledge and deep understanding of industry-specific issues to ensure we provide the best solution for the client anywhere in the world. Our clients include companies in most market sectors, with particular representation in manufacturing concerns, infrastructure projects, property, construction and engineering. The range of work includes advising on all aspects of corporate and commercial matters, including contracts, company laws and taxation.

We represent many of the largest groups in Pakistan including but not limited to, Olympia Group which comprises of Olympia Chemicals, Olympia Carpets, Olympia Textiles and Olympia Feeds etc.; Nayyer Group, which comprises of Nayyer Carpets, Nayyer Interiors etc.

In addition to routine advice on the formation and conduct of companies, joint ventures and partnerships, the Firm engages in major transactional work. We also render advice from time to time on setting up joint venture projects by local and multinational firms.

Tax and trust

We have rendered opinions on a regular basis to all major companies involved in the Textile and Carpet Industry of Pakistan and give our expert advice on sales tax, customs duties, excise tax and other taxation matters to many companies in Pakistan.

Commercial Property/Real Estate Investment and Development

We work with leading institutional investors, banks and privately and publicly-owned developers. All aspects of the acquisition, financing and disposal of freehold and leasehold land and property management have been covered. We have regularly opined in the field of real estate development and matters pertaining to sale and purchase of commercial and residential property. We have in the recent years been involved and have worked in the few largest real estate property transactions (we are currently the legal advisors to Best Brands Inc. in regard to the DHA Homes project here in DHA, Lahore).

Criminal Law & Corporate Crimes

Khosa & Rizvi’s criminal trial strategy is unique in that we dedicate a team of 4 criminal attorneys headed by a partner to every major crime we defend. Utilizing this strategy, the firm's achievements in the field of criminal defense are noteworthy. We have secured dismissals of numerous high profile cases and serious felony charges. Our cases include charges encompassing international financial crimes, to Homicide to Wire Fraud to Narcotics Trafficking, to Tax Evasion, to money laundering to securities violations to so-called crime cartels involving alleged medicaid, medicare and insurance fraud organizations, gambling rings, prostitution rings, conspiracy to export stolen vehicles as well as other crimes in Pakistan and having their locusts worldwide.

Intellectual Property

Innovators at global multinationals, emerging growth companies and established mid-sized businesses all rely on Khosa & Rizvi to help protect, preserve and enforce their intellectual property assets. Our lawyers select the right options to fit each client’s business strategy, whether they are assessing an IP portfolio, performing due diligence for an acquisition, securing a patent, trademark, trade secret or copyright, or using litigation to resolve business disputes over infringement or misappropriation. We help our clients protect their investment, increase their market share, and strengthen their competitive advantage. We are true interactive partners with every client.

Khosa & Rizvi takes a multi-disciplinary approach to today's emerging issues in the development, protection and exploitation of intellectual property assets. We are uniquely positioned with a full-service IP practice that is fully integrated with other practices, providing antitrust guidance on transactions and competition disputes and unsurpassed appellate capabilities before the Supreme Court all High Courts, all District Courts, all Civil Courts, because today’s economy transcends national borders, we offer comprehensive assistance in key business centers around the world

Government Business/Regulatory

We have vast experience in dealing with matters pertaining to the State Bank of Pakistan, the Ministry of Finance and the Securities & Exchange Commission of Pakistan.

Insurance

We act in the establishment of insurance and related businesses including obtaining any necessary authorizations or registrations.

Dispute Resolution, Litigation & Arbitration

We deal with litigation involving banking/finance issues, capital market matters, construction disputes, corporate matters, tax related issues, family law issues, criminal matters and constitutional matters. In this connection we have represented and act for clients before the Supreme Court all High Courts, all District Courts, all Civil Courts, all Banking Tribunals, Customs, Sales Tax and Excise Tribunals, Departmental Authorities, all Labour Courts, NIRC, Commissioners of the Securities and Exchange Commission of Pakistan and many other authorities set up under the law. We also represent and act for clients in matters concerning arbitrations.

Energy

Our Energy Practice Group is uniquely situated because of the breadth of jurisdictions we serve, and the depth and quality of services and know-how that we provide. Our clients can take advantage of all of the resources, services and industry-leading skills that we bring to every sector of the energy industry, as well as to the companies that serve and finance them.

Information Technology and Telecommunications Laws

Every sourcing transaction is unique. Understanding both a client’s business as well as industry and supplier issues is critical for effective negotiations. Our extensive experience and a market-tested approach brings efficient, cost-effective and lasting innovations to our clients’ sourcing processes. We effectively structure deals, protect critical customer interests, align incentives and help create strong customer and supplier relationships. We are proud to have handled some of the largest and most complex sourcing transactions ever completed.