Meezan Bank Ltd. is a bank holding company, which provides Islamic banking products and services. It operates through following segments: Corporate and Commercial Banking, Retail Banking, Trading and Sales, and Others. The Corporate and Commercial Banking segment includes project finance, export finance, trade finance, Ijarah, guarantees and bills of exchange relating to its Corporate and Commercial customers, investment banking, syndications, IPO related activities, secondary private placements, underwriting and securitization. The Retail Banking Segment consists of retail financing, deposits and banking services offered to its retail customers and small and medium enterprises. The Trading and Sales segment includes equity, foreign exchanges, commodities, own securities and placements. The Others segment includes functions which cannot be classified in any of the above segments. The company was founded by Irfan Siddiqui on January 27, 1997 and is headquartered in Karachi, Pakistan.