Dhamana is a subsidiary of the Private Infrastructure Development Group (PIDG). PIDG is an innovative infrastructure development and finance organization funded by six governments. PIDG also supports affiliate entities such as GuarantCo and InfraZamin in Pakistan, whose products can also be found on this Directory.

The Portfolio Guarantee enables lenders to pursue larger transactions without breaching exposure limits, as Dhamana provides coverage on both new and existing exposures. It offers protection against certain portfolio losses, typically on a second-loss basis. These guarantees apply to specific exposures involving corporates, projects, or financial institutions that drive lending in the economy. By sharing risk, the guarantee enhances the lender’s ability to support more diverse and higher-value portfolios. It also serves as a credit enhancement tool that strengthens balance sheets and optimizes capital use. Ultimately, the Portfolio Guarantee helps banks manage loan portfolio risk, improve capital efficiency, and expand their lending capacity within pre-agreed limits.