Chief Guest

speaker one
SALEEM ULLAH

Deputy Governor, State Bank of Pakistan

Closing Remarks

speaker one
MUNEER KAMAL

CEO Pakistan Banks Association

Keynote Speakers

speaker one
ARIF UL ISLAM

Deputy CEO & Executive Director Meezan Bank Ltd.

  • Mr. Ariful Islam recently retired as Deputy CEO of Meezan Bank after 25 years of service. A founding team member since 1998, he played a key role in transforming the bank from a small startup into Pakistan’s 4th largest and most profitable bank. He began his career at Peat Marwick Mitchell (now KPMG) in London, then joined Faysal Islamic Bank of Bahrain in 1986. He later helped establish Faysal Bank in Pakistan and held senior leadership roles, followed by a position as Head of Investment Banking at MCB, becoming its youngest Senior EVP. Arif also served as Chairman of Al Meezan Investment Management for 17 years and currently sits on the boards of Honda Atlas Cars, Raqami Digital Bank, Lucky Core Industries, Lucky Landmark, and Cherat Cement. A Chartered Accountant from the Institute of Chartered Accountants in England & Wales since 1983, he is also a Fellow of the Institute of Chartered Accountants of Pakistan.
  • Mr. Atif Bajwa has an extensive international career spanning over 40 years of executive leadership roles in banking and on multiple boards and public interest positions. He started his professional journey with Citibank in 1982 and has since held numerous senior positions in large local and multinational banks, including President/CEO of Bank Alfalah, President/CEO of MCB Bank and Soneri Bank, Regional Head of Citigroup for Central and Eastern Europe, Head of Consumer Banking of ABN AMRO’s Asia Pacific region, and Country Manager of ABN AMRO Pakistan.
  • Mr. Bajwa has been active in business, social and public interest areas, and has led key advocacy institutions to impact economic and social sectors. In this regard, he has served as the Chairman of Pakistan Business Council (PBC), and the President of the Overseas Investors Chamber of Commerce and Industry (OICCI). He has also served as the Director on Boards of various private and public sector companies. Mr. Bajwa received his education from the Columbia University, New York
speaker one
ATIF BAJWA

CEO Bank Alfalah

Panels

THE RETAIL LANDSCAPE

2025-2035

Challenges and opportunities 2025-2035. A C-Suite level discussion on how retail banking appears to be shaping out in the next decade, given the transformative digital disruptions and policy changes forecasted.

What will the next year challenge us with, let alone the next 10?

EXECUTING RETAIL GROWTH

Challenges & Opportunities in Retail Banking

How to design accurate & timely products, rethinking customer segmentation and gain share of wallet.

How to enhance personalization in retail banking, increase product penetration, build brand loyalty and improve retention, while diversifying portfolio mix and structuring customer centric products and services.

How do you grow the business while keeping risks and limitations in mind?

SELLING WEALTH

Is Premium Banking Essential or Merely a Trend?

A discussion on enhancing bank offerings to wealthy and premium customers through curated wealth products & more.

  • Innovative products or innovative selling? Are we really designing products for customers or simply for businesses?
  • Selling Wealth to the wealthy- can we truly act as financial advisors for a broad spectrum of customers?
  • Insurance has been around for decades- are we going to see any radical changes in the industry going forward?

RETAIL OUTSIDE OF BANKING

Discovering wonderland-through the looking glass

A dive into the retail world outside of banking. A chance to parley with leaders of retail giants across Pakistan and discovering common grounds. How is that they are delivering ace customer service and customer experience while banks remain challenged?

  • Justifying real estate vs digital estate.
  • Customer segmentation
  • Innovative payment solutions
  • The Sacred Sales Funnel
  • Forecast for the virtual customers

CUSTOMER & PERSONNEL EXPERIENCE

The Good, the Bad and the Ugly!

An in-depth look at market practices regarding customer experience and service quality in banks. How are we creating customer friendly processes and environments?

  • What are the gaps in the market and customer perception on brand and delivery?
  • Is customer experience a direct derivative of the quality of human resources serving them?
  • Measuring customer service- the accuracy and challenges of calculating NPS.
  • How is optimum workforce planning, talent distribution, and attrition of employees being addressed?

REDEFINING REACH

Balancing Branches, Bytes & Business

As digital banking gains ground, Pakistan's banks must rethink the role of brick-and-mortar branches. This session explores how both models can coexist to drive customer experience, financial inclusion, and efficiency, while tackling the growing need for B2B payment digitization and regulatory readiness.

  • The future of branches: advisory hubs vs. transaction centers
  • Scaling digital for underserved and informal segments
  • Unlocking B2B payments-bringing SMEs into the digital fold
  • Regulatory enablers: digital onboarding, KYC, and open banking
  • Designing a hybrid strategy for inclusive, tech-enabled growth

Moderators

MIR NEJIB RAHMAN
MIR NEJIB RAHMAN

Mir Nejib Rahman is a financial services executive with 30+ years in banking, digital, and development finance. He co-developed Pakistan’s largest payment system, 1LINK. His expertise spans strategic advisory, digital transformation, and financial inclusion, working with regulators, banks, and multilateral institutions. He has led SME banking, payments, and retail transformation at ABN AMRO, RBS, UBL UK, EY, Kearney, and Alvarez & Marsal. Nejib currently advises the Pakistan Banks’ Association on SME, agri-finance, and digital payments while leading digital transformation projects with DAI Consulting.

MAHMOOD SHAMSHER ALI
MAHMOOD SHAMSHER ALI

Mahmood Shamsher Ali is the CEO of Alif Innovations and the proposed CEO of Alif Financials (NBFC). He brings over 20 years of experience in HR, consulting, and fintech. He has led the HR function at two financial institutions in Pakistan and played a key role in digital banking and retail sector technology. Prior to Alif Innovations, he was a Senior Consultant at Green Peak International and held leadership positions in consulting and financial services, driving growth and transformation in the industry.

SALMAN SARWAR BUTT
SALMAN SARWAR BUTT

Salman is the CEO of Green Peak International. He brings with him 30 years of experience in Retail & Consumer Banking. He has served as Group Head in Pakistan and Asia Pacific. Prior to joining GPI, he held senior positions at ABN AMRO, RBS, NIB and Citibank.

RAEDA LATIF
RAEDA LATIF

Raeda Latif has joined Standard Chartered Bank as Country Head – Corporate Affairs, Brand & Marketing, Pakistan. With over 20 years of experience, she has held senior roles at PSX, Faysal Bank, UBL Fund Managers, and IGI Financial Services. Raeda is a seasoned strategist in marketing, branding, corporate communications, and business development across financial, IT, and retail sectors. At PSX, she launched the Financial Literacy Initiative, focusing on digital education and women’s empowerment. A strong advocate for ESG and community welfare, she has driven reforms in daycare and gender equality. Raeda holds an MBA, a master’s in Linguistics, and multiple professional certifications.

AURANGZEB JAVED SIDDIQUI
AURANGZEB JAVED SIDDIQUI

Aurangzeb Siddiqui is a seasoned leader with over 17 years of experience in driving sales and business development within the financial services sector. As Head of Financial Institutions & Retail Sales at TPL Insurance, he has led the company’s most impactful division, propelling it to become Pakistan’s top retail insurance provider. Known for his strategic insight and focus on risk management, Aurangzeb has played key roles in transforming TPL’s market presence. He holds a Bachelor's in Financial Risk Management from Ehsal European University and is recognized for building high-performing teams and delivering sustainable, long-term growth through strategic partnerships and sales excellence.

SYED FARAZ ANWER
SYED FARAZ ANWER

Syed Faraz Anwer is a Partner leading the Consulting Practice at PwC Pakistan, with over 20 years of experience. He has been instrumental in developing a dedicated consulting team. His expertise encompasses strategy, digital transformation, fintech, governance, risk, and compliance (GRC). Faraz has led thought leadership initiatives, including the 'Banking Publication 2024: Road to Sustainability,' which addresses themes like economy, inclusion, digital transformation, and governance.

Panelist

THE RETAIL LANDSCAPE
MUHAMMAD HAMAYUN SAJJAD
MUHAMMAD HAMAYUN SAJJAD

CEO, Mashreq

ATIF SALIM MALIK
ATIF SALIM MALIK

COO, JS Bank

SHAHZAD DADA
SHAHZAD DADA

Managing Partner, Dada Partners

MUHAMMAD AMINUDDIN
MUHAMMAD AMINUDDIN

CEO & Executive Director, TPL insurance

EXECUTING RETAIL GROWTH
MEHREEN AHMED
MEHREEN AHMED

Group Head Retail Banking, Bank Alfalah

SAADYA RIAZ
SAADYA RIAZ

Managing Director, Head Wealth and Retail Banking, Standard Chartered Bank, Pakistan

SYED KAZIM RAZA
SYED KAZIM RAZA

SEVP - country branch banking head, JS Bank

AHMED SHAH DURRANI
AHMED SHAH DURRANI

Head Retail Banking & Chief Digital Officer, HabibMetro Bank

SELLING WEALTH
SHAZIA KHURRAM
SHAZIA KHURRAM

Head of Branch and Priority Banking, Meezan Bank ltd

ZAIGHAM SHERIFF
ZAIGHAM SHERIFF

Executive Vice President, Bank Alfalah

ZEESHAN QUDDUS
ZEESHAN QUDDUS

Chief Business Development Officer at UBL Fund Managers

ASIM  QURESHI
ASIM QURESHI

Head of Products and Analytics, Retail Banking, JS Bank

SARAH IRFAN
SARAH IRFAN

Executive Vice President- Head Liabilities & Bancassurance, HabibMetro Bank

RETAIL OUTSIDE OF BANKING
AMIR PARACHA
AMIR PARACHA

CEO, Unilever

MUNTAQA PERACHA
MUNTAQA PERACHA

CEO, Foodpanda

SAMMER SULTAN
SAMMER SULTAN

CO-Chairwoman, Shan Foods

ARIF LAKHANI
ARIF LAKHANI

Co-Founder, Qist Bazaar

CUSTOMER & PERSONNEL EXPERIENCE
KHALID ZAMAN
KHALID ZAMAN

SEVP & Group Head Human Resources, Learning & Development, Meezan Bank Limited

POURO SIDHWA
POURO SIDHWA

Chief Human resources Officer, Easypaisa Digital Bank

MUHAMMAD ALI JANGDA
MUHAMMAD ALI JANGDA

Senior Advisor at Banking Ombudsman Pakistan

FARAN NIAZ
FARAN NIAZ

Director Customer Experience, HALA

REDEFINING REACH
NOFEL DAUD
NOFEL DAUD

CDO, Bank of Punjab

YAHYA KHAN
YAHYA KHAN

CDO, Bank Alfalah

OMER BIN AHSAN
OMER BIN AHSAN

Founder/CEO, Haball

SOHAIL JAVVAD
SOHAIL JAVVAD

Executive Director DFS Group at State Bank of Pakistan

LEILA SERHAN
LEILA SERHAN

Senior Vice President & Group Country Manager for North Africa, Levant and Pakistan (NALP), Visa

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