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Enabling Pakistan's Digital Journey
Enabling Pakistan's Digital Journey
(December 2021)
Rural Active Borrowers
Urban Active Borrowers
Total Deposit
Gross Loan Portfolio
Total Depositors
Number of Agents
Active Borrowers - Male
Active Borrowers - Female
Active Borrowers
Mr. Aamir is currently serving as CEO PMCL (Jazz). Mr. Ibrahim is a highly motivated leader with the proven ability to develop organizations and drive revenues. Mr. Ibrahim possesses vast cross-functional experience that encompasses strategic marketing & sales, stakeholder management and corporate strategy. His track record includes successful leadership roles in Pakistan as well as Thailand, UK, UAE, Switzerland and USA across the telecom and automotive industry.
Ghazanfar is one of the leading bankers in Pakistan with many achievements to his credit in commercial, consumer, retail, SME and micro banking segments which include establishment and successful operations of two leading nation-wide microfinance banks in Pakistan i.e. FINCA in 2008 and MOBILINK BANK in 2012. Mobilink Bank, backed by VEON, a global technology co., is a hybrid model combining MSME with mobile digital & agent based banking offering loans, savings, remittances, utility bill collection, mobile wallets, insurance, G2P & B2P payments through an alliance with Pakistan's largest telecom operator Jazz under the brand name JazzCash. The bank now operates with a network of over a 100 branches & over 166,000 branch-less banking agents across the country. JazzCash is playing a leading role in digitizing payments in Pakistan. Under his leadership Mobilink Bank won two consecutive BANK THE UNBANKED in 2018 and 2019 in Pakistan Banking Awards jointly administered by the Institute of Bankers Pakistan, AF Ferguson and DAWN media group under supervision of State Bank of Pakistan.Before moving to microfinance, Ghazanfar also worked with Shore Bank International (Now Enclude) as a senior consultant and Head of SME down scaling USAID funded WHAM project 2005-7. He has extensive global exposure and have been to Indonesia, Cambodia, Turkey, Italy, Romania, Kenya, Ethiopia, Nigeria, South Africa, United States, Bolivia, Morocco, UAE, Oman and the United Kingdom on work related trips, conferences & exposure visits. He has also attended a course in International Finance at the World Bank Institute in Washington, DC. In March 2001.Ghazanfar started his banking career with HBL, Pakistan's largest commercial bank, and moved on to work with some of the best private sector commercial banks i.e. Union Bank, Prime Commercial Bank & Bank Alfalah. He is a graduate of Karachi University and did his master’s in business administration (MBA) from IBA, Punjab University, Lahore.
Murtaza Ali is currently the Interim Chief Executive Officer – Digital Financial Services (JazzCash) at Jazz. Prior to joining JazzCash, he has also served as Chief Financial Officer in Telenor Microfinance Bank. He brings with him over 21 years of experience, an extensive track record of leading and managing teams engaged in Risk-based Strategy and their Management Frameworks, Corporate Finance & Financial Planning, Mergers & Acquisitions, Corporate Governance, in a range of corporations including telecommunication, FMCGs, and financial institutions. He has hands-on experience – ranging from Audit and Consultancy at the Big 4 Chartered Accountancy firms to Financial Management at GSM, supplemented with strategy execution and change management experience.
Mr. Salman is currently serving Chairman of Green Peak International. He brings with him over 29 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 Bank , Royal Bank of Scotland, NIB Bank and Citibank. He has done Bachelor of Arts, Economics, Religious Philosophy from Oberlin College, and has done Diploma in Economics from University of Kent.
Ms. Aatiqa is currently serving as Head of Cities in Uber. She has a diversified international experience delivering long-term value in corporate strategy, restructuring, legal management/governance in progressive roles in Government, Petroleum, Banking, Financial Services, DFI’s. Ms. Atiqa Lateef with an overall experience of 20 years. She has also served as a Board of Director of Khushhali Micro Finance Bank as an Independent Director and also Chaired on Board HR Committee, Board Audit Committee and Board Risk Committee of Khushhali Bank. She has done J.D. Doctorate of Jurisprudence (Law) from Texas A&M University, EU Business/Law courses toward JD/MBA and B.S., Psychology from Charles University / University of Durham Prague, Czech Republic and Durham, England and Political Science from University of Houston, Houston, TX USA.
Elias Yazbeck is VEON’s Group Director, Head of Growth and Partnership. He reports directly to VEON’s co-CEO Sergi Herrero and is responsible for driving the company’s strategy and execution to identify and scale digital ventures opportunities across its 10 operating markets.
In addition to his Group-wide responsibilities, Elias acted as interim CEO of JazzCash – VEON’s fast-growing Mobile Financial Services venture in Pakistan. JazzCash is Pakistan’s leading mobile wallet with more than 8.2m MAU.
Elias was previously Facebook’s Head of Finserv Partnership and Market Development for EMEA following spells at Mastercard and as a management consultant, where he honed his expertise in payments, technology and - more broadly - growth and turnaround strategies.
A French national with Lebanese origins, Elias is passionate about technology and its transformative impact on the lives of people, particularly those in developing countries. He holds a Masters in M&A from London’s CASS Business School and a Bachelor of International Commerce from the ESCE in Paris.
Our parent company VEON is a global digital operator that provides mobile connectivity and services to 217 million customers. VEON operators span nine countries and provide infrastructure, connectivity, and digital services to a combined population of 680 million people.
As a world-leading digital operator, VEON aims to provide access to the internet and mobile-based digital services across all communities in the countries it operates in. VEON is pioneering banking services, entertainment applications, and e-commerce ecosystems to provide their mobile customers with full access to the digital world.
Through its digital connectivity and services, VEON is transforming lives and creating opportunities in some of the world’s fastest-growing emerging markets.
Jazz is Pakistan’s largest mobile operator and digital company, leading the 4G service provision in the country as the most successful mobile broadband operator with over 72 million customers and growing. Since its inception, over 25 years ago, Jazz has maintained market leadership and established itself as a major contributor to the digital ecosystem of Pakistan. The company has recently recorded exceptional growth in its 4G customer base, which accounts for almost 40% of all 4G users in Pakistan. Jazz remains committed to making significant contributions to the creation of a truly digital Pakistan by developing innovative products and services.
The brand has successfully positioned itself as a digital thought leader in the ever-competitive telecommunication industry. With cutting-edge, integrated communications solutions, strong brand offerings, and the largest portfolio of digital value-added services, Jazz aims to empower millions of Pakistanis with the tools necessary to progress in an increasingly digital economy.
Together, Jazz and its sister concern Mobilink Microfinance Bank Limited operate the largest digital mobile wallet in Pakistan, JazzCash. With over 15 million monthly active digital wallets, JazzCash brings essential payments and branchless banking services to customers across Pakistan.
Mobilink Microfinance Bank aims to alleviate poverty and promote financial inclusion by providing innovative solutions.
Mobilink Microfinance Bank aims to provide financial solutions to the economically underprivileged for their economic freedom by using innovative ADC’s and promoting micro businesses through an ethical and passionate team, which strives to deliver beyond expectations.
| Name | Designation |
|---|---|
| Mr. Salman Sarwar Butt | Chairman |
| Ms. Aatiqa Lateef | Member |
| Mr. Elias Yazbeck | Member |
| Name | Designation |
|---|---|
| Ms. Aatiqa Lateef | Chairman |
| Mr. Murtaza Ali | Member |
| Mr. Salman Sarwar Butt | Member |
| Mr. Elias Yazbeck | Member |
| Name | Designation |
|---|---|
| Mr. Elias Yazbeck | Chairman |
| Mr. Salman Sarwar Butt | Member |
| Ms. Aatiqa Lateef | Member |
| Name | Designation |
|---|---|
| Mr. Salman Sarwar Butt | Chairman |
| Mr. Murtaza Ali | Member |
| Ms. Aatiqa Lateef | Member |
| Mr. Elias Yazbeck | Member |