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Outreach

(October 2022)

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    1,888,861

    Rural Active Borrowers

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    1,259,240

    Urban Active Borrowers

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    61,032,307,713

    Total Deposit

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    49,126,499,060

    Gross Loan Portfolio

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    42,269,258

    Total Depositors

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    210,091

    Number of Agents

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    2,644,405

    Active Borrowers - Male

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    503,696

    Active Borrowers - Female

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    3,148,101

    Active Borrowers

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About the Bank

Mobilink Microfinance Bank Limited is

Pakistan's largest digital bank

Mobilink Microfinance Bank Limited (MMBL) is Pakistan's largest digital bank and has been providing financial services across the country since 2012.

With a hybrid organizational model that combines traditional microfinance with mobile/digital banking technologies, the bank now operates with over 100 branches, approximately 2,000 employees, and a USSD (GSM) based digital channel offering savings, Micro, Small and Medium Enterprise (MSME) loans, small housing loans, commercial vehicle loans, international remittances (collection of utility bills and loan installments) through mobile wallets, insurance, Government to People (C2P), Business to Business (B2B) & Business to People (B2P) payments; thus, playing a leading role in the promotion of financial inclusion across the nation.

MMBL's game plan aims to take banking away from the confines of limited brick and mortar structures to usher in the age of cell phone banking through branchless banking, digital banking, and micro-financial services offering simple, innovative, and value-added products and services to the people of Pakistan: consequently, making a significant contribution towards banking the unbanked through digital channels.

Our Board of Directors

Experienced leadership professionals

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Aamir Hafeez Ibrahim

CEO, Jazz

Aamir is Chief Executive Officer of Jazz, Pakistan’s number one 4G operator and leading digital service provider with over 75 million subscribers. Prior to his position as CEO, Aamir was Jazz’s Deputy CEO and Chief Commercial Officer.

Aamir has over two decades of international experience as a senior executive across multiple industries and continents. Prior to joining Jazz, Aamir was the Senior Vice President for Telenor Group, where he led distribution initiatives across Asia. Aamir has also held senior leadership positions at Ford Motor Company, Jaguar & Land Rover.

Aamir brings with him a wealth of experience specifically in strategic marketing, sales, and distribution, analytics, product development, government and regulatory management, business planning, M&A, public relations, and crisis management.

Aamir is a Pakistani native, with an undergraduate degree in Accounting from the University of Texas and an MBA from IMD in Switzerland. In 2012, Aamir received an Advanced Management Program diploma from Harvard Business School. Aamir has lived and worked across multiple cultures and countries including Thailand, Pakistan, the UK, the United Arab Emirates, Switzerland, and the US.

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Ghazanfar Azzam

President & Chief Executive Officer

As a renowned Pakistani banker, Ghazanfar has several achievements to his credit in commercial, consumer, retail, SME, and micro-banking. He has been an integral part of the establishment and successful running of two of the nation's leading microfinance banks - FINCA (2008) and Mobilink Microfinance Bank (2012). He is a Fellow member of the Institute of Bankers Pakistan (IBP), a member of the Office of Research, Innovation & Commercialization (ORIC) Steering Committee at Kohsar University, Muree, a recipient of the prestigious Hubert Humphrey Fellowship and a graduate of IBA, Punjab University.

Under Ghazanfar's capable leadership, Mobilink Microfinance Bank is positioned as the largest digital bank in Pakistan and has been awarded quite a few widely-coveted titles from the national and international finance and banking communities over the last decade.

Ghazanfar Azzam's career began with Pakistan's largest commercial bank, Habib Bank Limited (HBL) after which he moved on to work for some of the best private sector commercial banks such as Union Bank, Prime Commercial Bank, and Bank Alfalah. He has also served as Senior Consultant at Shore Bank International (now Enclude) and Head of SME Downscaling at the USAID-funded WHAM project from 2005 to 2007.

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Murtaza Ali

Interim Chief Executive Officer, JazzCash

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, and an extensive track record of leading and managing teams engaged in Risk-based Strategy and their Management Frameworks, Corporate Finance & Financial Planning, Mergers & Acquisitions, and 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. 

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Salman Sarwar Butt

Independent Director

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. 

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Atiqa Lateef

Independent Director

Atiqa is a blockchain technology and digital currency regulations expert and the Director of Policy for Rain in Pakistan. She joined Rain from Uber where she led policy relations and strategic operations in her market. Concurrently, Atiqa serves as the Independent Director to the Board of Pakistan's largest digital bank. Previously, her roles have included Chief of Staff and Advisor on commercial, government, and legal matters in both the petroleum and financial sectors. Atiqa's career began as a management consultant for BearingPoint's Strategy and Transformation group in Chicago. She holds a dual Juris Doctorate/MBA from the South Texas College of Law, Houston and Texas A&M University consortium.

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Muhammad Tamoor Sabir

Director / Non-Executive

Tamoor is currently working as Chief Financial Officer of Veon Ventures and Group Director Business Controlling of Veon based in Amsterdam.  Prior to joining Veon, he worked as Vice President- Finance Strategy & Portfolio Management in Etisalat Group in UAE and A/CFO of Etisalat Nigeria. Tamoor has over two decades of international Finance experience in various capacities in corporate finance, financial planning & reporting, capital management & restructurings, business controlling, corporate strategy, and portfolio management in Telecoms, ICT, and Digital industries worldwide covering Asia, Africa, Middle East, and EU regions. Tamoor brings with him vast experience in Mergers & Acquisitions, JVs & partnerships, Financial & Tax DD, structuring, and valuation on the back of numerous successful transactions in Telecom, digital, e-commerce, infrastructure, and the Fintech space. He has extensive governance experience by working on supervisory boards, Audit Committees, and Risk Committees. Tamoor is a CPA from Australia, Chartered Management Accountant from the United Kingdom and Pakistan.

Our Management

Get to know our team

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Ghazanfar Azzam

President & Chief Executive Officer
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Sardar Mohammad Abubakr

Chief Finance & Digital Officer
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Sana Tariq

Chief Legal & Corporate Affairs Officer, Company Secretary
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Shahid Umar

Chief Ethics & Compliance Officer
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Faisal Mahmood

Chief Information Officer
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Muhammad Siddique Ahmed

Chief Internal Audit
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Atta Ur Rehman

Chief Branch Business Officer
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Zehra Khalikdina

Chief Risk Officer
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Najia Naqavi

Chief Service Quality
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Faisal Akram

Chief Bank Operations

Our Family

Collaborations that achieve more

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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.

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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.

Our Purpose

Committed to delivering the best for you

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Vision

Mobilink Microfinance Bank aims to alleviate poverty and promote financial inclusion by providing innovative solutions. 

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Mission

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.

Our Core Values

Principles that drive our business forward

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Customer Obsessed
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Innovative
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Entrepreneurial
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Collaborative
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Truthful

Corporate Information

Find out more about us

  • Ms. Sana Tariq 

  • Mr. Muhammad Siddique Ahmed

Name Designation
Mr. Salman Sarwar Butt Chairman
Mr. Aamir Hafeez Ibrahim Member
Ms. Atiqa Lateef Member

Name Designation
Ms. Atiqa Lateef Chairman
Mr. Murtaza Ali Member
Mr. Salman Sarwar Butt Member
Mr. Muhammad Tamoor Sabir Member

Name Designation
Mr. Murtaza Ali Chairman
Mr. Salman Sarwar Butt Member
Ms. Atiqa Lateef Member

Name Designation
Mr. Salman Sarwar Butt Chairman
Mr. Murtaza Ali Member
Ms. Atiqa Lateef Member
Mr. Muhammad Tamoor Sabir Member

Company Registration No.: 0074079

Ahmad Junaid - Ahmad & Associates

Yousuf Adil - Chartered Accountants