Corporate · Banking · Financial Law — Karachi
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We are a leading law firm in financial & business industry.
34 Years in Banking & Corporate Law
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MAS & Associates office
About the Firm
Excellence in law, led by decades inside the institutions we now advise.
MAS & Associates was founded on a simple premise: that the best banking and corporate counsel comes from lawyers who have sat on the other side of the table. Led by Muhammad Akram Sawleh, the firm draws on direct experience within the State Bank of Pakistan and the country's largest commercial banks.
That vantage point shapes everything we do — from intellectual property and corporate governance to dispute resolution — giving clients advice grounded in how banks and regulators actually think, not just how the law reads on paper.
Former counsel to Bank Alfalah, Habib Bank Limited & Standard Chartered
Deep institutional experience at the State Bank of Pakistan
Specialist expertise in intellectual property & corporate governance
Read Our Full Story
Leadership
The people behind the practice.
Full Profiles
Muhammad Akram Sawleh
Muhammad Akram Sawleh
Founding Partner · Advocate, Supreme Court
"The law is only useful when it's applied with the same rigor a bank applies to risk."
Muhammad Akram Sawleh has spent thirty-four years in banking and corporate law, beginning at the State Bank of Pakistan and continuing through senior legal roles at Union Bank, Standard Chartered, Habib Bank Limited and Bank Alfalah. That path gave him something most external counsel never acquire: a working knowledge of how regulators supervise, how credit committees decide, and how disputes actually unfold once a bank is on the other side.
He advises on banking regulation, corporate governance, intellectual property and complex commercial disputes, and appears before the superior courts. Several of his matters have been reported in the Corporate Law Digest.
Advocate, Supreme Court of Pakistan — enrolled 9 February 2023
Advocate, High Courts — enrolled 28 June 1999
Life Member, Supreme Court Bar Association
LLB, University Law College, Punjab University, Lahore
Organizational Competence Award, State Bank of Pakistan — granted twice
Specialist practice: banking regulation, corporate governance & intellectual property
Owais Ahmed Siddiqui
Owais Ahmed Siddiqui
Partner · Advocate, High Court
"Clients don't need more law — they need a clear path through it."
Owais Ahmed Siddiqui brings close to a decade of practice across admiralty, corporate, taxation, banking, civil and constitutional matters. His breadth is deliberate: commercial problems rarely arrive labelled by practice area, and clients benefit from counsel who can see the tax exposure inside a restructuring or the constitutional angle in a regulatory challenge.
He leads much of the firm's litigation workload and is the first point of contact for clients navigating tax assessments, property disputes and contractual claims.
Advocate, High Court of Sindh
Admiralty & shipping matters
Taxation assessments, appeals & compliance
Civil, constitutional & commercial litigation
Practice Areas
Counsel across the full commercial lifecycle.
Corporate & Banking
01
Corporate & Business Law
Formation, governance, restructuring and commercial advisory for businesses of every size.
02
Banking & Financial Institutions Law
Regulatory, transactional and dispute counsel for banks and financial institutions.
03
Contract Drafting & Employment Law
Commercial agreements and employment matters drafted to hold up under pressure.
Litigation & Compliance
04
Litigation & Representation
Courtroom advocacy across commercial, civil and constitutional matters.
05
Criminal Defence
Rigorous defence representation for individuals and corporate clients alike.
06
Taxation Law & Compliance Solutions
Navigating Pakistan's tax framework with proactive, compliant strategy.
Individual & Property
07
Real Estate Transactions
End-to-end counsel for property transactions and disputes.
08
Legal Advice & Consultation
Direct, personal consultation for individuals navigating complex legal matters.
The Journey
Thirty-four years across practice and banking.
Practicing
1992 — 1993
Practice in the Civil Courts
Independent Practice
1996 — 2000
Associate Lawyer
Raja Muhammad Akram & Company
2000 — 2002
Independent Practice
Own Practice
2014 — 2015
Senior Advocate
Ali & Associates
2015 — 2018
Senior Partner
Private Law Firm
2025 — Today
Founding Partner
MAS & Associates
Banking
1994 — 1996
Inspecting Officer, Banking Inspection
State Bank of Pakistan
2002 — 2005
Legal Counsel, Banking Policy Department
State Bank of Pakistan
2005 — 2007
Company Secretary & Legal Advisor
Union Bank Limited
2007
Head of Employee Relations & Operational Risk
Standard Chartered Bank (Pakistan)
2007 — 2014
Chief Legal Counsel
Habib Bank Limited
2018 — 2025
Company Secretary & Group Head Legal
Bank Alfalah Limited
How We Work
A clear path, from first call to resolution.
01
Consultation
We start by understanding your situation in full — no assumptions, no boilerplate advice.
02
Strategy
A clear legal strategy built around your commercial priorities, not just the letter of the law.
03
Representation
Rigorous representation in negotiations, filings, or the courtroom — whatever the matter demands.
04
Resolution
A resolution you understand fully, with ongoing counsel available as your situation evolves.
Client Testimonials
Trusted by the businesses we represent.
"
MAS & Associates guided our corporate restructuring with a level of precision I hadn't seen before. Responsive, sharp, and always ahead of the problem.
Jenna Brown
Business Owner
"
Their handling of our property dispute was thorough and genuinely reassuring. I always knew exactly where things stood.
Lindsey White
Senior Executive
"
Taxation matters can be a minefield — the team at MAS made ours straightforward, with advice we could actually act on.
John Smith
Business Owner
Recognition
A record built on institutional trust.
Organizational Competence Award, State Bank of Pakistan — granted twice
Life Member, Supreme Court Bar Association
Cases Reported in the Corporate Law Digest
Insights
News & updates from the firm.
All Insights
Contact
Reach out for expert legal advice and personalized solutions.
Phone
0345 2223999
Email
akramsawleh@gmail.com
m.akram@masawleh.com
Address
407-B, New Challi Trade Centre, Shahrah e Liaquat, Karachi, Pakistan
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