Capabilities

Banking & Finance

Overview

ZUL RAFIQUE & partners’ award-winning Banking & Finance practice group comprises a dedicated team of lawyers with extensive experience in domestic and international financing transactions covering both conventional and Islamic financing. This enables us to advice on all the relevant aspects of a financing transaction in a cost effective and efficient manner.

Our vision together with our proactive methods of resolving issues of our clients have garnered us several awards conferred by various business and legal publishing houses, in particular the Asian Legal Business (ALB), Chambers & Partners, International Financial Law Review (IFLR) and the Islamic Finance News (IFN). 

Quote from Islamic Finance News 2016 in awarding ZUL RAFIQUE & partners the winner for the Trade Finance Law Firm of the Year 2016 in the Islamic Finance News Law Awards:

“ZUL RAFIQUE & partners are the perfect example of a local firm that has expanded its capabilities to a global standard, performing intricate and complex transactions at an exceptionally high quality and ideally demonstrating the strength and capabilities of the Malaysian market. Its sterling work has not only assisted its local and regional markets to develop, but have supported cross-border trade and development to the benefit of the entire industry.”

We also play an important part in the development of the financing and debt capital market and are frequently consulted by clients to provide advice on new innovative products and financing structures. Our extensive experience allows us to stay in the forefront of new developments and to continue to offer our clients the best possible service.

Areas of Practice

Comprehensive Legal and Financial Advisory Services

Areas of Practice

Banking & Finance

Acquisition and leveraged finance

Asset finance

Corporate debt rescheduling

Cross border finance

Debt capital markets

Structured trade and commodity finance

Offshore lending

Islamic finance

International issuance of debt instruments

Project finance

Real estate finance

Securitisation

Structured trade and commodity finance

Sukuk issuance

Key Experience

Recognition

Islamic Finance Law Firm of the Year

Asia Business Law Journal Malaysia Law Firms Awards 2024

Project Finance Law Firm of the Year
The Asset Triple A Sustainable Infrastructure Awards 2024
Logistics Deal of the Year | Renewable Energy Deal of the Year – Hydro | Green Project Deal of the Year
The Asset Triple A Sustainable Infrastructure Awards 2024
Banking & Finance Law Firm of the Year
ALB Malaysia Law Awards 2023
Banking & Finance and Islamic Finance Law Firm of the Year
Asia Business Law Journal Malaysia Law Firms Awards 2023
Best Sustainability-Linked Sukuk, Best New Sukuk – Telekom, Best Islamic Loan, Best New Sukuk – Automobile
The Asset Triple A Islamic Finance Awards 2023
Perpetual Deal of the Year
IFN Deals of the Year 2022
Real Estate Deal of the Year 2020
IFN Deal of the Year 2020 – Islamic Finance News
Equity Market Deal of the Year 2020
ALB Malaysia Law Awards 2020 – Asian Legal Business

Chambers Asia Pacific 2024

Band 1 for Banking and Finance, Band 1 for Debt Capital Markets in Malaysia and Band 1 in Islamic Finance in the Asia-Pacific Region
Asialaw Profiles 2024
Outstanding for Banking and Finance, Outstanding for Capital Markets and Highly Recommended for Banking and Financial Services in Malaysia

Legal 500 Asia Pacific 2023

Tier 1 for Banking and Finance, Tier 1 for Islamic Finance and Tier 1 for Capital Markets in Malaysia
IFLR1000 2023
Tier 1 for Banking and Finance and Tier 1 for Capital Markets: Debt

Key Contacts

Consult with Our Experienced Practice Leaders

From day one, the team at Zul Rafique made me feel confident and supported. Their professionalism, attention to detail, and genuine care helped me through a very difficult time. I couldn’t have asked for better representation.

Personal Injury — Jessica M

I was impressed by their responsiveness and strategic thinking. They helped me navigate a complex business contract dispute and delivered results beyond my expectations. Highly recommended!

Business Law — David L.

What stood out most was their compassion during my divorce. Not only did they fight hard for my case, but they also treated me like a person, not just a client. That made all the difference.

Family Law — Monica S.

Knowledge Centre

Latest News & Expert Insights

News & Insights

Structuring Project Finance Deals: Legal Risks and Mitigation

Cross-border financing brings complex legal challenges across jurisdictions. This article highlights key issues such as regulatory compliance, enforceability of security, and structuring strategies for international transactions.

19 January, 2026
News & Insights

Malaysia’s Financial Regulatory Landscape: 2025 Outlook

Cross-border financing brings complex legal challenges across jurisdictions. This article highlights key issues such as regulatory compliance, enforceability of security, and structuring strategies for international transactions.

19 January, 2026
News & Insights

Navigating Cross-Border Financing: Key Legal Considerations

Cross-border financing brings complex legal challenges across jurisdictions. This article highlights key issues such as regulatory compliance, enforceability of security, and structuring strategies for international transactions.

19 January, 2026