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Outreach

(May 2022)

  • female icon

    1,607,363

    Rural Active Borrowers

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    1,071,575

    Urban Active Borrowers

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    54,406,407,056

    Total Deposit

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    41,536,898,526

    Gross Loan Portfolio

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    43,968,799

    Total Depositors

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    189,147

    Number of Agents

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    2,250,308

    Active Borrowers - Male

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    428,630

    Active Borrowers - Female

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    2,678,938

    Active Borrowers

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About the Bank

Mobilink Microfinance Bank Limited is

Pakistan's largest digital bank

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

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. 

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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, 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. 

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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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Aatiqa Lateef

Independent Director

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. 

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Elias Yazbeck

Director / Non-Executive

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 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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Syed Sajjad Qayyum Ashraf

Chief Service Quality Officer
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Shahid Umar

Chief Ethics & Compliance Officer
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Faisal Mahmood

Chief Information Officer
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Muhammad Asim Anwar

Chief Credit Officer
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Samiha Ali Zahid

Chief Marketing & Communications
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Muhammad Khalid Idrees

Chief Bank Operations
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Muhammad Siddique Ahmed

Chief Internal Audit
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Atta Ur Rehman

Chief Branch Business Officer

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 

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