According to a statement issued here Sunday, he said the end-user and any client who defaults the loan is not given any leverage and the decision is always one sided. Instead of giving comfort to the client the bank loan becomes a critical liability of an individual or any company damaging the health and the group within a span of 24 months or less. He said that high interest rate in Pakistan is not workable at all as per the business returns of any company per annum. The profits are usually to the tune of maximum 10 percent per annum earned by various companies in the world. When it comes to 18 percent or goes up to 20 percent plus, with an interest rate of 36 percent per annum on credit cards in Pakistan one ends up in a loss instead of gaining anything. The threatening attitude of the bank makes things impossible for any customer of the bank, he said. He stressed the need of revisiting bankruptcy law to make it feasible for business.