Papers & Articles

Policy and Research Working Papers

Other Papers and newspaper articles

Papers Presented at Conferences and Seminars - International

Papers Presented at Conferences and Seminars - Nigeria

Papers Presented at Conferences and Seminars - Pakistan

Policy and Research Working Papers:

  1. “The Macroeconomics of Adjustment in Sub-Saharan Africa: Results and Lessons.” World Bank, Policy Research Working Paper No. 1365, October 1994.

  1. Why Do Some Economies Adjust More Successfully Than Others? Lessons from Seven African Countries”, World Bank, Policy Research Working Paper No. 1364, October 1994.

  1. “Trade, Aid and Development in Sub-Saharan Africa: Results and Lessons.” World Bank, Policy Research Working Paper No. 1214, November 1993.

  1. "Poverty and Structural Adjustment: The African Case", World Bank HRO Working Paper No.9, September 1993.

  1. “Capital Flows to Asian and South Asian Countries”. Co-Author Kwang Jun. World Bank, PRE Working Paper No. 842, January 1992.

  1. How did the Asian Countries Avoid the Debt Crisis”. World Bank, PRE Working Paper No. 785, October 1991.

  1. “Future Financing Needs and the Constraints on Scope of Action.” Co-Author with S. Mitra. World Bank, PPR Working Paper, 1989.

Other Papers and newspaper articles:

  1. "Upgrading Business Education" – Dawn, August 11, 2008

  2. "Reforming The Executive " – The News, August 8, 9 and 14, 2008

  3. "Boom and Gloom " – Newsline, May 2008

  4. "Governance Reforms in Pakistan " – Criterim, April-June 2008

  5. "Reforming Institutions of Governance" – Dawn, January 7, 2008 word document

  6. "Pakistan and Indian Economics– Sixty Years later" – Blue Chip , December 2007 word document

  7. "Pakistan and Indian Economies – Sixty Years Later" – Dawn, August 14, 2007 word document

  8. "Surge in Islamic Finance Service Industry" – Dawn, September 2007word document

  9. “Reforming the Government (3 parts)” – The News, May 24, 26 & 30, 2007 word document

  10. “How Critical is US Assistance?” – Dawn, April 16, 2007; Business Recorder, April 17, 2007; Khaleej Times, May 31, 2007 word document

  11. “Pakistan’s Economic Future” – Dawn, March 23, 2007 word document

  12. “Choices for financing fiscal and external deficits” – Blue Chip, Jan-Feb 2007 word document

  13. “Pakistan’s External Sector: An Analytical Survey”– Blue Chip, Jan-Feb 2007 word document

  14. “Banking for the poor” – DAWN, Karachi, October 15,2006

  15. “Why Reform the Government?” - DAWN, Karachi, July 9, 2006

  16. “Pakistan’s investment scenario and Capital markets” – DAWN, Karachi, June 11, 2006 word document

  17. “Pakistan Banking Sector” – DAWN, Karachi, May 14, 2006 word document

  18. “Elitist orientation of the economy” – DAWN, Karachi, January 7, 2006 word document

  19. “Time to look to the East” – DAWN, Karachi, December 31, 2005

  20. “Banking Sector Reforms in Pakistan”: Blue Chip – The Business People’s Magazine, January 2005.

  21. “History of the Banking System in Pakistan”: Blue Chip – The Business People’s Magazine, January 2005.

  22. “Why Forex Reserves?” Management Accountant (2003)

  23. “Economic Challenges Facing Pakistan”. Trade Chronicle (2001)

  24. “Domestic Debt and its Macroeconomic Effects”. Journal of the Institute of Bankers Pakistan (1998)

  25. Structural Adjustment in Sub-Saharan Africa: A Preliminary Evaluation." Paper prepared for the GCA Meeting at Cotomou, June 1993.

  26. "Reorientation of Nigeria's Industrial Policies". Nigerian Enterprise, April 1985.

  27. "Missing Links in Pakistan's Development." Pakistan Economist, June 1982.

  28. "A Short-Term Employment Strategy for Pakistan." A paper prepared for Pakistan Economic Conference, 1975.

  29. "Local Finance in Sind." Pakistan Study Group on Local Government, November 1975.

  30. "Food Resources in Pakistan." Pakistan Economist, March 1975.

  31. “An Appraisal of Japanese Tax System.” Finance, Taxation and Company Law, April 1974.

  32. “A Development Policy for Pakistan.” Pakistan Economist, March 1973.

  33. “Industrialization in Pakistan: Labour Intensive vs. Capital Intensive.” Pakistan Economist, October 1972.

  34. “An Analysis of the Assumption made in the Cornelius Report”. NIPA Journal (1969)

 

PAPERS PRESENTED AT CONFERENCES/ SEMINARS

INTERNATIONAL

  1. Panel on Islamic Finance: Address delivered at the Malaysia – World Islamic Economic Forum Kuala Lumpur, May 29th 2007. word document

  2. Reforming Pakistan Challenges, Strategies and Prospects: Lecture delivered at Institute of South Asian Studies, Singapore, June 4 2007. word document

  3. Pakistan: Prospects for Economic Growth and Challenges: Presentation made at a seminar organized by South Asia Region of the World Bank at Washington DC, August 20, 2007. word document

  4. Economic Development and Poverty Alleviation: International Seminar organized by the Institute of Strategic and International Studies at Kualalumpur, September 3, 2007. word document

  5. Risk Management for the Banking Sector in Globalizing economy: Keynote address at South Asia Management Forum, Dhaka, February 24-25 2007.

  6. Recent Development in Islamic Finance Industry - Are they adding value or diluting the industry? Interactive session at IFSB seminar, Kuala Lumpur, March 27, 2007. word document

  7. Pakistan Recent Economic Developments and Future Prospects: RUSI/ IPRIO seminar on Pakistan London, April 17, 2007. word document

  8. A cross-sectoral approach to Islamic finance: IFSB Summit, Dubai, May 15-16, 2007. word document

  9. Malaysia – Pakistan economic cooperation: Malaysia – Pakistan Business Forum, Kuala Lumpur, May 27, 2007. word document

  10. Transforming non-governmental organizations into regulated Microfinance institutions at Global Microcredit Summit at Halifax, Canada: Paper presented at a panel - November 10-16, 2006. word document

  11. Banking Sector Reforms: Pakistan case study presented at IMF High level seminar on Banking Sector Reforms at Toledo, Spain November 2-3, 2006 word document

  12. Banking Sector Reforms – Lessons from Pakistan: Paper presented to the Bank of Indonesia on July 04, 2006 word document

  13. Economic Policy Reforms in Pakistan 1999-2006: Paper presented at the Seminar on Economic policy reforms held at Stanford University, June 01-03, 2006 word document

  14. Prudential arrangements for stability and Development of Islamic Finance: Paper presented at the Islamic Financial Services Board Summit held at Beirut, May 17-18, 2006 word document

  15. Future Challenges for Islamic Financial Services Industry: Paper presented at the World Bank Seminar on April 24, 2006 word document

  16. Islamic Financial Services Industry: The European Challenges Keynote Address at the Islamic Financial Services Forum organized by the Islamic Financial Services Board and the Central Bank of Luxembourg at Luxembourg on November 8, 2005.

  17. Structural Reforms In Pakistan’s Economy: Public lecture delivered at the Indian Business School, Hyderabad, India on October 7, 2005.

  18. Global Banking: Paradigm Shift: Chairman’s Inaugural Address at the Session on “Regulatory Issues’ held at the International Conference organized by the Federation of Indian Chambers of Commerce and Industry and the Indian Banking Association at Mumbai on October 6, 2005.

  19. Pakistan’s Development Challenges for the Coming Decade – How can Overseas Pakistanis Help? Keynote Speech delivered at the Pakistani Professionals Forum held in Toronto, Canada, on October 1, 2005.

  20. Poverty Reduction Strategy of Pakistan: Address delivered at the Seminar on “Challenges Ahead for Pakistan’s Economy” held by the Asia Society at the Elliott School of International Affairs, George Washington University, D.C. on September 27. 2005.

  21. Pakistan’s Economic Achievements, Prospects and Challenges: Address delivered at a seminar held at the Embassy of Pakistan, Washington D.C. on April 15, 2005.

  22. Future Outlook And Prospects For Pakistan’s Economy. Address delivered at the Seminar organized by the Pakistan Bankers Association, U.K. at London on January 17, 2005.

  23. Pakistan’s Economic Progress since 2000: False Dawn or a Promising Start. A Paper presented at a Seminar at the School of Advanced and International Studies, Johns Hopkins University, Washington D.C. on October 6, 2004.

  24. Effectiveness of Policies and Reforms: A Country Perspective. Remarks delivered at the World Bank OED Conference on Effectiveness of Policies and Reforms held at Washington D.C., on October 4, 2004.

  25. Economic Challenges Facing Pakistan: The Role of the United States. A Paper presented at a Seminar at the Center for Strategic and International Studies, Washington D.C. on September 30, 2004.

  26. Financial Sector Reforms in Pakistan. A Paper read at the Italy-Pakistan Trade and Investment Conference held at Rome on September 28, 2004.

  27. Harmonization of the Banking Sector in SAARC Region. Keynote address at the South Asian Federation of Accountants Conference held in New Delhi on August 28, 2004.

  28. Future Challenges Facing South Asian Economies. Speech delivered at Central Bank Anniversary Lecture 2004 held at Colombo on August 26, 2004.

  29. Economic Development in South Asia and the Impact of Globalization. Speech delivered at the Middle East and South Asia Conference of KPMG held at Bahrain on July 11, 2004.

  30. Finance, Growth and Poverty - The Experience Of Pakistan. Presented at the World Bank PREM Conference on Growth Strategies held at Washington D.C., on April 28, 2004.

  31. Policy Considerations before Bank Privatization - Country Experience Presentation made at the World Bank, International Monetary Fund and Brookings Institution Conference on "The Role of State-Owned Financial Institutions: Policy and Practice" held at Washington D.C., on April 27, 2004.

  32. The Future Prospects of The Islamic Financial Service Industry. Presentation made at the Annual General Assembly meeting of Islamic Financial Services Board held at Nusua Dua, Indonesia on March 31, 2004.

  33. Economy of Pakistan: PAST, PRESENT AND FUTURE. Keynote address at the Conference on Islamization and the Pakistani Economy held at the Woodrow Wilson Center, Washington, D.C. on January 27, 2004.

  34. What Have We Learnt From The Decade Of 1990's? Remarks made at the Embassy of Pakistan Seminar held at Washington D.C., on January 26, 2004.

  35. Why Should Foreign Investors Choose Pakistan As Their Destination? Remarks delivered at Euromoney Seminar on Pakistan: Investment Destination held at Dubai on September 21, 2003.

  36. Reforms of Public Sector Banks - Case Study of Pakistan. A paper prepared for the World Bank Conference on “Transforming Public Sector Banks" at Washington D.C. on April 9, 2003.

  37. Islamic Finance and Pakistan's Efforts in the Financial War on Terrorism. A paper presented at the conference on "The Financial War on Terrorism: The Contribution of Islamic Banking" held at Royal United Services Institute for Defence Studies, London on April 7-8, 2003.

  38. Economic Reforms and Macroeconomic Management in Pakistan (1999-­2001). Paper presented at the Brookings Institution, Washington DC, Asia Society, New York and the Institute of International Bankers, New York on 15-16 April, 2002.

  39. Reforming Pakistan's Economy Performance, Progress, Prospects and Problems. Speech delivered in Washington DCI New York on April 9, 2002.

  40. Conditionality and Ownership.Remarks made as a panelist at the Seminar on Conditionality and Ownership organized by IMF, World Bank and Commonwealth Secretariat at London on July 23-24, 2001.

  41. Conference on Analytical Country Studies on Growth. Summary of remarks as an invited Discussant at the at the Center for International Development, Harvard University, Cambridge, Massachusetts, held on April 20-21, 2001.

  42. SBP’s Role in Promoting Microfinance Institutions. Remarks at the Asia Pacific Micro Credit Summit held at New Delhi on February 3, 2001.

  43. Economic and Investment Prospects in Pakistan. Presentation made at Adam Smith Seminar, Stockholm on October 1-3, 2000.

  44. Trade and Environment. Asian Development Bank, Manila, May 28 - 29, 1995.

  45. Paying for China's Infrastructure, Conference on China's Economic Reforms. Wilton Park, Winston House, W. Sussex, England, February 27 - March 3, 1995.

  46. China: Recent Capital Market Developments and Lessons from the Mexican Crisis, Resident Mission, Beijing, February 23, 1995.

  47. Macroeconomic aspects of Debt Management, Harvard Institute of International Development, July 25, 1-994.

  48. Problematique of African External Finance, 5th Conference of African Finance Ministers organized by ECA at Libbreville, Gabon, February 1-2, 1994.

  49. Seminars on African Adjustment Study: Addis Ababa, January 13, 1994; Nairobi, March 16, 1994; Abidjan, March 17, 1994; Accra, March 18, 1994; Paris, March 20, 1994; London, March 21, 1994; Stockholm, March 23, 1994; Frankfurt, May 16, 1994; Clermont Ferrand, May 17, 1994; Harare, May 22, 1994: New York, June 27, 1994.

  50. ECA/OAU Seminar on African Adjustment Study, Addis Ababa, January 14, 1994.

  51. Has Adjustment Helped or Hurt the Poor in Africa? Seminars on World Bank and Poverty: London, October 24, 1993; Madrid, October 26, 1993; Paris, October 28, 1993; The Hague, November 18, 1993; Stockholm, November 19, 1993; Brussels, May 9, 1994; Rome May 10, 1994; Dublin, May 12, 1994.

  52. Structural Adjustment and Long-term Development: International Conference on Adjustment at The Hague, by the Government of Netherlands.

  53. Trade, Aid and Investment: Royal African Society Biennial Conference at Oxford, March 21-23, 1993.

  54. Political Economics of Structural Adjustment - Case Study of Nigeria: Comment on J. Herbst and Olukoshi's paper at the World Bank Conference on Political Economy of Structural Adjustment, held on May 4, 1992.

  55. Capital Flows to Developing Countries: Comments on Susan Collin's paper at the Annual Bank Conference on Development Economics held on May I, 1992.

  56. Regional Integration in Sub-Saharan Africa: Comment on F. Foroutron/World Bank SEPR Conference on Regional Integration, held on April 1-3, 1992.

  57. Structural Adjustment in Sub-Saharan Africa: Food Studies Group Seminar at Oxford held on March 24-26, 1992.

  58. Adjustment and the Impact on the Poor: EDI/ADB seminar at Abidjan, held on March 10-14, 1992.

  59. African External Finances in the 1990s: (Co-author J. Underwood): Global Coalition for Africa (GCA.) first Advisory meeting, Paris, held on September 9-10, 1991.

  60. The Debt Problem of Sub-Saharan Africa: North-South Roundtable on African Debt, Relief, Recovery and Demobilization - Parliamentarians for Global Action, Abidjan held on July 8-9, 1991.

  61. Managing Asia's External Debt: K.D.I - A.D.B. Seminar, Seoul, held on May 14-17, 1991.

  62. External Debt Structural Adjustment and Development: UNCTC Workshop on Debt and External Resource Mobilization and Management at Antigua, held on October 22-24, 1990.

  63. External Debt and Development Process: UNITAR-EADB Workshop on Debt Management at Kampala and Dar-Es-Salam, held on January 1990.

  64. Borrowings from the World Bank: Kenya Treasury - World Bank Debt Management Seminar, Nairobi, held on October 1989.

  65. Organizing for Efficient Debt Management: World Bank Debt Systems Conference, Paris, held on April 1989.

  66. Fiscal Policy and External Debt: Arab Monetary Fund, Abu Dhabi, held in March 1989.

  67. Developing Countries Debt - Trends and Prospects: (with J. Baneth): Japan Center for International Finance, Tokyo, held in February 1989.


NIGERIA

  1. Nigeria's Need for Economic Policy Reforms: - at the Annual Conference of the Senior Managers of the United Africa Company, Lagos, held on November 27, 1987.

  1. The Role of International Financial Institutions: - at the National Debate on IMF Loan - held by Chase Merchant Bank, Lagos, held on September 25, 1987.

  2. Priorities and Incentives for Agriculture in Nigeria: at the Seminar on Nigeria's Economic Recovery - held by the Nigerian-American Chamber of Commerce and the African-American Institute held on September 2-25, 1987.

  1. Current Economic Situation: Donors Meeting at Lagos held on September 17, 1987.

  1. Nigeria and the IMF Loan: Luncheon Meeting of the Executive Directors of UAC (Nigeria), Lagos, held on September 16, 1987.

  1. Rural Development in Less Developed Countries: The Nigerian Experience: Keynote address at the Nigerian Association of Masters of Business Administration Lecture series, Lagos, held on May 16, 1987.

  1. Debt Rescheduling and the World Bank: South Conference on Nigeria: Prospects and Possibilities, London, held on March 30-31, 1987.

  1. Prospects for Agriculture Exports in the Medium-Term: Nigerian-American Chamber of Commerce Seminar, Enugu, held on March 18, 1987.

  1. Challenges and Opportunities for industrial Development in Nigeria: Henry Fajemirokun Memorial Lecture, N.I.I.A., Lagos, held on March 12, 1987.

  1. International Organizations and Nigeria's Agriculture Development: Fifth Annual Lecture by Agriculture and Rural Management Training Institute (ARMTI), Ilorin held on February 21, 1987.

  1. Global Economy and Nigeria: at Senior Managers' Conference of the International Bank for West Africa (IBWA), Lagos held on February 13, 1987.

  1. Economic Outlook for Nigeria: at Senior Managers' Conference of the Nigerian National Petroleum Corporation (NNPC), Lagos held on January 30, 1987.

  1. 1987 Budget: An Overview at the Budget Seminar organized by Arthur Andersen & Co., Lagos, held on January 1987.

  1. An Overview of Public Finance: National Workshop on Public Expenditure programming in Nigeria at Ibadan - organized by NCEMA, Federal Ministry of National Planning held on December 2, 1986.

  1. Essential Drugs: Federal Ministry of Health Workshop on Essential Drugs, Lagos, held on December I, 1986.

  1. Non-oil Exports: Opportunities and Strategies for Financing and Marketing Lagos Chamber of Commerce Seminar, Lagos, (October 12, 1986).

  1. The Experience of World Bank in Oil Palm Development in Various States: International Conference on Oil Palm, Port Harcourt held on October 11, 1986.

  1. Health Care Financing: Nigerian Medical Association, Lagos, held on September 17, 1986.

  1. Prospects for Nigerian Economy: International Advertising Association Luncheon, Lagos, held on September 11, 1986.

  1. Primary Health Care Financing: Workshop on Primary Health Care by the Federal Ministry of Health at Ibadan, held on July 8, 1986.

  1. Export Drive and Counter-Trade: The Microeconomic Perspective: Eko Holiday Inn Gold Medal Series, Lagos, held on March 14, 1986.

  1. Agriculture Development Projects in Nigeria: Recent Experience and Lessons for Future: Nigerian-Arab Bank Seminar on Finance, Abeokuta, held on February 14, 1986.

  1. Monitoring and Evaluation in Agriculture Projects: at the ARMTI Workshop for Senior Managers, Ilorin, held on November 6, 1985.

  1. Options for Resuming Nigeria's Economic Growth: at the Lagos Chamber of Commerce and the National Association of Chambers of Commerce, Lagos, held on September 11, 1985.

  1. Outlook for Nigerian Economic Situation in the Medium-Term: at the Business International Nigeria Group Meeting, Lagos, held on June 12-13, 1985.

  1. World Bank and Nigeria’s Agriculture Development: at the National Conference on Conference on Village Adoption Scheme, Nsukka, held on June 4, 1985.

  1. Public Enterprises in Select African Countries: Lessons of Experience: at the Annual Conference of Chief Executives of Nigerian Public Enterprises, Jos held on May 29, 1985.

  1. Prospects for Agriculture Development in Nigeria: Guest Lecture at the Annual Conference of the Nigerian Economics Students Association April 23, 1985.

  1. Reorientation of Industrial Policy in Nigeria: Keynote Address at the Association of Nigerian Development Finance Institutions Conference, Lagos, held on March 7, 1985.

  1. Population and Development at the World Development Report Launching Seminar at Lagos, held on October 23, 1984.

  1. Strategies for the Development of Small Scale Industries at the Annual Conference of the Institute of Management Consultants of Nigeria, Lagos, held on July 13, 1984.

  1. Management for Development at the University of Ife Seminar on World Development Report held on June 6-7, 1984.


PAKISTAN

  1. Trade Liberalization, Economic Growth and Poverty Reduction: Keynote address at National Seminar on  Trade and Growth Linkage organized by Quaid-e-Azam University at Islamabad, June 27, 2007. word document

  2. Regional Cooperation in Asia Options for Pakistan: Keynote address at the International Seminar on Regional Cooperation in Asia organized by the Islamabad Policy Research Institute and Hans Seidel Foundation at Islamabad, September 6, 2007. word document

  3. Approach to Civil Service Reform: Paper prepared for discussion with the 87th National Management Course participants at National Management College, Lahore, September 13, 2007. word document

  4. Broad Based Strategy for Overseas Pakistanis in the Development of Pakistan Overseas Pakistanis Investment Conference, Islamabad, March 5, 2007. word document

  5. Reforming the Government in Pakistan Rationale, Principles and Proposed Approach Keynote address at the Annual Conference on Management of Pakistani Economy, Lahore School of Economics, May 2, 2007. word document

  6. Poverty in South Asia Seminar: The Tyranny of Measurement and Crisis of Governance Mehboob ul Haq Human Development Centre, Islamabad, May 26, 2007. word document

  7. Prospects for Japanese Investors in Pakistan Key note address at the Joint Business Dialogues between PJBF & JPBCC at Karachi on 24th January, 2007. word document

  8. Role of Civil Bureaucracy in Socio-Political Context of Pakistan Lecture delivered at the National Defense College, Islamabad on November 20, 2006.

  9. Development of Asian Bond Markets. Keynote address at the Asia Consultative Group Annual General Meeting at Karachi on November 9, 2006. word document

  10. Islamic Financial Markets: Positioned for Growth At 2nd Islamic Banking and Money Market Conference at Karachi November 8, 2006. word document

  11. Approaches to Government Reforms. Lecture delivered at the 85th National Management Course of Pakistan Administrative Staff College at Lahore on October 18, 2006.

  12. Globalization Challenges to Pakistan Economy: Lecture delivered at Foreign Service Academy, Islamabad on October 9, 2006.

  13. The Future of Kashf: Paper presented at the 10th anniversary celebration of Kashf Foundation held at Lahore on September 4, 2006.

  14. Human Security and Governance: Chief Guest address at the launching of Human Development in South Asia Report 2006 held at Islamabad on August 30, 2006.

  15. Why do we fear Globalization? Chief Guest address at the SPDC – DFID seminar held at Lahore on July 31, 2006.

  16. Economy of Pakistan and Impact of Earthquake on GDP Growth: Speech delivered to the officers of Lahore Garrison organized by the 4 Corps Hqrs, Lahore on July 15, 2006.

  17. The Perils Of Higher Skill Shortages For Pakistan’s Economy - What Can We Do About It? Chief Guest Address at the Prize Distribution Ceremony of the Institute of Bankers, Pakistan held at Karachi on November 26, 2005.

  18. Monetary-Cum-Exchange Rate Regime - What Works Best For Emerging Market Economies? Keynote Address at the SBP Conference on Monetary-cum-Exchange Rate Regime held at Karachi on 14 November, 2005.

  19. Why Privatization is necessary for Economic Growth in Pakistan. Address as Chief Guest at the 11th Get Together of the Overseas Universities Alumni Club and the 21st Century Business & Economics Club on August 12, 2005 at Karachi.

  20. What is happening to Pakistan’s External Sector? Lecture delivered at the 82nd National Management Course of Pakistan Administrative Staff College at Lahore on June 21, 2005.

  21. Pakistan’s Budget for 2005-06 : Links with Strategic Framework. Presidential Address delivered at the Budget Breakfast Forum organized by the Institute of Bankers, Pakistan at Karachi on June 8, 2005.

  22. The Health Challenge in Pakistan: Prognosis and Prescription. Chief Guest Address at the Launching of Human Development Report of South Asia organized by Mahbubul Haq Center for Human Development at Islamabad on May 30, 2005.

  23. Distributing Benefits of Growth to the Majority. Presidential Address at the Pre-Budget Seminar held by Pakistan Observer at Islamabad on May 28, 2005.

  24. National Economy and Impact of Foreign Aid. Lecture delivered at No. 18 Air War College, Karachi on May 20, 2005.

  25. 34th Annual Meeting of the Board of Directors of the Asian Clearing Union. Welcome Address delivered at the Inaugural Ceremony held at Lahore on May 16, 2005.

  26. SME Financing: Issues & Strategies. Welcome Address at the SME Conference held in Lahore on May 10, 2005.

  27. SME Financing: Issues and Strategies. Welcome Address at the Conference of SME Financing held in Lahore on May 10, 2005.

  28. Globalization, Regional Integration and National Development: Where does South Asia Stand? Inaugural Address delivered at the Valedictory Session of the South Asian Federation of Accountants held at Karachi on May 6, 2005.

  29. Sustainable Growth in Financial Sector of Pakistan. Address as Chief Guest at the Symposium organized by the Public Relations Management Group at Karachi on April 29, 2005.

  30. Key Issues in Managing Pakistan’s Economy: Inaugural Address delivered at the Seminar organized by the Lahore School of Economics, Lahore on April 28, 2005.

  31. Financing Human Development in Pakistan: Address delivered at the Pakistan Development Forum held in Islamabad on April 25, 2005.

  32. Pre-Budget Conference: Address as Chief Guest at the Conference held in Karachi on April 9, 2005.

  33. Economic Cooperation in Asia: Chairman’s Address at the High Level Seminar organized on the occasion of the Asian Cooperation Dialogue held at Islamabad on April 5, 2005.

  34. Progress and Prospects on Anti-Money Laundering: Welcome Speech delivered at Seminar on Anti-Money Laundering held at Islamabad on March 29, 2005.

  35. Economy of Pakistan: An Overview. Keynote address delivered at the Expo 2005 Conference held at Karachi on February 3, 2005.

  36. Corporate Governance in the Financial Sector: Session Chairman’s Address at the Seminar organized by the Institute of Business Administration (IBA) at Karachi on January 28, 2005.

  37. Unleashing Entrepreneurship: Address as the Chief Guest at the Launching of UN Secretary General’s Report held at Karachi on December 28, 2004.

  38. Global Partnership for Development: Address as the Chairman at the Plenary Session of the First International Conference on Volunteerism and Millennium Development held at Islamabad on December 7, 2004.

  39. Comparison of Pakistani Economy with Asian Economies: Keynote address delivered at the 12th General Council and General Body Meeting of the Asia Oceania Tax Consultants Association held at Karachi on November 26, 2004.

  40. Pakistan Financial Sector: A Roadmap for 2005-2010. Keynote address delivered at the 54th Annual General Meeting of the Institute of Bankers, Pakistan held at Karachi on October 14, 2004.

  41. Fostering Good Corporate Governance. Address as the Chief Guest at Best Corporate Reports Award Ceremony organized jointly by the Institute of Chartered Accountants of Pakistan and the Institute of Cost and Management Accountants of Pakistan held at Karachi on August 12, 2004.

  42. Developing Human Resources for the Financial Sector. Key note address delivered at the Launching of Masters in Banking Services Degree Program at the University of Faisalabad, held at Faisalabad on August 11, 2004.

  43. Vision for Pakistan’s Financial Service Industry. Address as the Chief Guest at the Ceremony to announce the Joint Venture Partnership between BMA Capital and Abraaj Capital held at Karachi on July 29, 2004.

  44. Reducing Poverty or Redistributing Income? Inaugural address at the Pre-Budget Seminar held by The Nation at Lahore on May 26, 2004.

  45. Sustainability of Pakistan's Economic Fundamentals. Speech delivered at the Oil and Gas Conference 2004 held at Islamabad on May 3, 2004.

  46. Why Lend to Small and Medium Enterprises? Inaugural address at the IFC sponsored Training Workshop for SME Lending held at the Institute of Bankers, Pakistan held at Karachi on April 12, 2004.

  47. Marketing Pakistan’s Image. Speech delivered at the Rotoract Club held at Karachi on April 12, 2004.

  48. Financial Sector in Pakistan – The Way Forward. Address at the Forty-Ninth Annual General Meeting Institute of Bankers, Pakistan held on March 25, 2004.

  49. Financing For Infrastructure Projects. A paper presented at the Pakistan Development Forum held at Islamabad on March 19, 2004.

  50. Foreign Reserves and the Common Man. A paper presented at Pakistan Administrative Staff College on March 11, 2004.

  51. Why Pakistan should exit the IMF Programme? Reproduced from article published in the Daily Dawn on February 29, and March 1, 2004.

  52. Financial Sector Reforms and Pro-Poor Growth: Case Study of Pakistan. Speech delivered at the 53rd Annual General Meeting of the Institute of Bankers of Pakistan held at Karachi on February 21, 2004. PDF

  53. Lessons for Poverty Reduction – The Experience of Aga Khan Rural Support Programme. Keynote Address delivered at the International Conference on Lessons in Development – The Experience of AKRSP held at Islamabad on December 15, 2003.

  54. Banking Sector Developments, Challenges and Opportunities. Keynote address at IBC Gulf Conference - Investing in Pakistan at Islamabad on December 9, 2003.

  55. Industrial Competitiveness: Bench Marking Pakistan. Opening remarks at the Pakistan's Resident Mission - Asian Development Bank Institute High Policy Forum held at Karachi on November 20, 2003.

  56. SME Financing - Issue and Prospects. Keynote address at the SMEDA-IBP seminar on "Issue of SME Financing" held at Lahore on October 24, 2003.

  57. Human Resource Management in Practice – A Case Study of State Bank of Pakistan. Address at the National Conference on Human Resources held at Karachi on October, 18, 2003.

  58. Development Strategy of Punjab. Speech delivered at the Punjab Development Forum, Lahore, on September 16, 2003.

  59. Housing Finance in Pakistan: Progress, Prospects and Problems. Keynote Address on the occasion of Housing Finance Workshop organized by the World Bank and International Finance Corporation at Karachi on August 20, 2003.

  60. An Analysis of the Bank's Write-off (1999-2003). Institute of Bankers, Pakistan, Prize Award Ceremony held at Karachi on July 26, 2003.

  61. Changing Paradigms of Capacity Building. Keynote Address at the International Congress on Human Resources held at Islamabad on June 7, 2003.

  62. What does Continuity of Reforms mean? A paper presented at the PILDAT Legislative Workshop on Budget process held at Islamabad on May 27, 2003.

  63. Pakistan's Export Competitiveness in Global Market Global Market. A paper presented at the Seminar on Export-led Growth Strategy organized by the Export Promotion Bureau held at Lahore on May 27, 2003.

  64. Financial Sector Reforms – Presentation made at the Pakistan Development Forum 2003 held at Islamabad on May 14, 2003.

  65. Conceptual Design of Poverty Reduction Strategy in Pakistan. Symposium of Pro-Poor Policies held at Islamabad on March 17, 2003.

  66. Strategy for Development of Microfinance in Pakistan. Remarks delivered as Chief Guest at the launching ceremony of the Financial Sector strengthening program of the Swiss Agency for Development and Cooperation held at Islamabad on February 26, 2003.

  67. A Fair, Equitable and Efficient Tax System for Pakistan. Concluding remarks at the National Conference on Tax Culture under the auspices of Income Tax Bar Association held at Karachi on February 22, 2003.

  68. The Role of The Private Sector And Government In Pakistan's Economic Development. Convocation Address at The Institute Of Business Management, Bahauddin Zakariya University, Multan held on February 4, 2003.

  69. Pakistan Economic Horizons, 2003 And Beyond. Closing Remarks at The Daily Times Seminar held at Karachi, on January 31, 2003.

  70. Pakistan Poverty Assessment. Concluding remarks at the World Bank Seminar held at Karachi on January 7, 2003.

  71. Housing Finance. Welcome Address on the occasion of the inauguration of Housing Finance Conference at Karachi on December 11, 2002.

  72. Why should we avoid Populist Economic Policies? Reproduced from DAWN, issues of November 9-11, 2002.

  73. Dealing with Non-Performing Loans of Banks. Reproduced from article published in the Daily Dawn on October 21-22, 2002.

  74. Banking Sector Reforms -Current Status And Future Prospects (Presidential Address at the Seminar organized by Management Association of Pakistan at Lahore held on August 31, 2002.

  75. Why does Pakistan have to Accumulate Foreign Reserves? Reproduced form Daily Dawn, Karachi: August 1, 2 and 3 2002.

  76. Agriculture Sector Development: Problems and Issues. Inaugural address at the Financial Sector Conference on Agriculture Organized by ADBP at Karachi on June 28, 2002.

  77. Is The State Bank of Pakistan doing its Job? Inaugural address at the Pre-Budget Seminar organized by "The Nation" at Lahore on June 10, 2002.

  78. Strategy for External Debt Management 1999 – 2004. Address at the Institute of Bankers March 2, 2002.

  79. Bankruptcy Law. Keynote address at the Seminar organized by the Federation of Pakistan Chamber of Commerce and Industry at Karachi on Monday, January 28, 2002.

  80. Developing the SME Sector in Pakistan. Concluding address at the Habib Bank Seminar on 'Small and Medium Enterprises' held at Karachi on January 15, 2002.

  81. How is Pakistan Positioning itself for Challenges of Globalization? Paper presented at the Launch ceremony of 'Human Development in South Asia 2001 Report' by the Mahbub ul Haq Human Development Centre on October 29, 2001.

  82. Why Perceptions about Pakistani Economy Differ? Address at the English Speaking Union on July 5, 2001.

  83. Pakistan’s Development Challenges. Address at the Mahbub ul Haq Memorial Seminar, Human Development Centre held at Islamabad on July 16, 2001.

  84. The Role Of Modarabas In Pakistan's Financial Sector. Keynote Address at the Seminar held by Modaraba Association of Pakistan held at Karachi on June 27, 2001.

  85. Macro Picture of the Budget 2000-01. Speech At The Post-Budget Seminar Organized By The Institute Of Chartered And Management Accountants On June 23, 2001.

  86. The Role of Regulators Globally in Promoting Ethical Standards. Address at Financial Market Association seminar held at PC Karachi on June 14, 2001.

  87. Economic Ties between China and Pakistan. Keynote address at the Pakistan Institute of International Affairs Seminar on Pakistan-China held at Karachi on May 30, 2001.

  88. The State of the Financial Sector in Pakistan. Speech delivered at the 50th Annual General Meeting of the Institute of Bankers in Pakistan held on February 24, 2001.

  89. Towards a Strategy for Employment Oriented Human Development. Address November 25, 2000.

  90. Strengthening the Leasing Sector. Address at the International Conference on Small and Micro Leasing held at Karachi on November 2, 2000.

  91. Making Pakistan Bankable – Country S.W.O.T. Analysis. Presentation made at Oil & Gas Conference held at Islamabad on October 24, 2000.

  92. Economic Prospects and Challenges in Pakistan. Presentation made at the Z.A. Bhutto Institute of Science & Technology on October 12, 2000.

  93. Pakistan’s Balance of Payments. Presentation made at Oil & Gas Conference - 2000 held at Islamabad on October 10, 2000.

  94. Making Globalization Work for the Poor – Case Study of Pakistan. A Paper presented at the Seminar on EMP-CIDA Globalization Project launch workshop held at Lahore University of Management Sciences, Lahore on July 17, 2000.

  95. Impact of Globalization on Poverty in Pakistan. A Paper read at Mahbub ul Haq Memorial Seminar, Mahbub ul Haq Human Development Centre held at Islamabad on July 15, 2000.

  96. Economic Challenges Facing Pakistan. A lecture delivered at the Center for Development and Democracy held at Karachi on January 19, 2000.

  97. Seminar /Exhibition on Technological Innovation in the Financial Sector. Inaugural Address at the CSP Certification and Accreditation of IT Professionals held at Karachi.


 
   
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