In Gwadar district, commercial banking services are provided by Habib Bank Limited (HBL), National Bank of Pakistan (NBP), United Bank Limited (UBL), Allied Bank Limited (ABL), and Muslim Commercial Bank (MCB), while Agricultural Development Bank of Pakistan (ADBP) provides credit services for the fishermen. A branch of Small Business Finance Corporation is also there to finance small business enterprises. The principal business of the banks in Gwadar is remittance of money which comes from Gulf states; however lending of money from the banks is also common among business community.

The Agricultural Development Bank of Pakistan has a mandate to provide loans to fishermen for fishing gears and boats. A pre-appraisal is prepared for lending by a Mobile Credit Officer, who prepares the financial appraisal. After financing, the bank keeps track of its investment and an evaluation of loan utilisation is made. Usually boats and fishing gears are mortgaged and a loan up to 66 percent of their value can be provided on which a 14.5 percent mark-up is charged. Sometimes personal guarantee is also acceptable if the loan demanded is up to 30 thousand rupees. In 1995-96, 11.71 million rupees were issued as loan to the fishermen. In the financial year 1993-94, lending to the fishermen amounted to rupees 14.136 million and in 1994-95 this amount was rupees 36.907 million. Recovery rate has been below 40 percent up to 1996 after which it has increased to about 55 percent as a result of a special recovery campaign by the bank. The bank has appointed 5 Mobile Credit Officers in Gwadar district, 2 at Gwadar, 2 at Pasni, and one at Jiwani for providing credit facilities to the fishermen.

The Agricultural Development Bank of Pakistan has introduced many schemes some of which have been abandoned. A total of 14 tractors were provided to the farmers in Gwadar and Pasni at 12 percent interest rate under the Awami Tractor Scheme.

The Small Business Finance Corporation (SBFC) has opened its branch at Gwadar but it is not functional. The main reason behind non-provision of loans to the fishermen is that the corporation requires a land ownership certificate as mortgaging document. Gwadar is an unsettled area and none of the residents have land ownership certificates. The fishermen have their boats, fishing gears, and registration certificate to mortgage but the corporation does not accept these as guarantee. The result is very obvious, that the corporation has not financed a single penny as loan in Gwadar, which was the real purpose of the corporation.