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The Financial Reference Letter is a critical document in Pakistani banking and business practices, issued by authorized financial institutions to verify a customer's banking relationship and financial credibility. It is commonly required for international visa applications, business partner verifications, tender submissions, and credit applications. The document must comply with Pakistani banking regulations, particularly the Banking Companies Ordinance 1962 and State Bank of Pakistan guidelines. Financial Reference Letters typically include information about account maintenance, banking relationship duration, and general financial standing, while maintaining appropriate confidentiality standards. The format and content are influenced by both international banking practices and local Pakistani regulatory requirements, making it a recognized tool for financial verification both domestically and internationally.

1. Letter Header: Bank's letterhead, branch details, reference number, and date

2. Addressee Details: Name and address of the party to whom the letter is addressed

3. Subject Line: Clear indication that this is a Financial Reference Letter and the customer name

4. Account Holder Information: Customer's name, account type(s), and duration of banking relationship

5. Account Standing: Statement about the satisfactory conduct of account(s) and current standing

6. Financial Position: General statement about average balance maintenance (if authorized)

7. Authentication: Bank officer's name, designation, signature, and bank stamp