As per SBP Instructions, Banks are required to submit information of the borrowing clientele to Credit Information Bureau of State Bank of Pakistan and Private Credit Bureau(s) under the Credit Bureau Act 2015 on monthly basis and accordingly the eCIB report reflecting overdues may have an impact on Credit History of the borrower.
For Corporate Borrowers:
eCIB report would reflect the restructuring / rescheduling of loans for 5 years and would reflect Write-off / Waiver for 10 years.
For Consumer Borrowers:
eCIB report would reflect Credit History (i.e. overdue / late payment / write-offs / waiver) for a period of 2 years after settlement.
Further details can be accessed at URL https://www.sbp.org.pk/ecib/index.htm
Mohsin is a seasoned corporate banker with over 25 years of banking experience, covering Asia (East and South-East), Middle East and Levant regions. He was the CEO for UAE at Standard Chartered PLC and in his penultimate role, he looked after Standard Chartered Bank Pakistan Limited as CEO. Prior to that, he managed Barclays Bank Pakistan as their Country Head and Managing Director.
Mohsin’s experience spreads across corporate banking, fixed income markets and Islamic Banking. In his previous stints, he headed the Asian syndicated loans business for ABN AMRO bank based out of Singapore, he was the co-head of Asian Debt markets for Citigroup in Hong Kong. Mohsin was also appointed as Senior Credit Officer (SCO) & Senior Securities Officer (SSO) during this period. In June 2005, Mohsin joined Citigroup Dubai as Regional head of corporate banking for Middle East, where he was responsible for building the corporate business and a strong and diversified team.
Mohsin is an MBA from Institute of Business Administration, Karachi.
He is married and has four children, two daughters and two sons. He enjoys playing bridge and is actively involved in social, educational and charitable activities. Mohsin is currently on the board of I-Care Pakistan while he has served on the boards of CDC, Pakistan Centre for Philanthropy (PCP), Kidney Centre and as a trustee in the IBA endowment fund.
Mr. Ali is presently the CEO of “The Centre for Change” a think tank that caters to varied needs of change and its proper management for individuals, organizations and other pertinent segments. His career, spanning over 37 years, includes distinguished assignments in economic advisory/consultancy; he has served as an adviser at the USAID, UNDP and various government/private organizations. He has also been associated with National Investment Trust Limited for 10 years where he served as Head of Corporate Governance, Corporate Affairs & Company Secretary. He has also been a visiting senior professor of economics at various local institutes.
Mr. Rashid Ahmed Jafer has an experience of 37 years with M/s. A.F. Ferguson & Co., including 23 years as a partner at the organization. He is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP) and enjoys an expertise in statutory audit.
He has been a member of the Professional Standards and Technical Advisory Committee of ICAP for several years and is also a member of the SBP – ICAP Co-ordination Committee.
Mr. Mohamedali R. Habib is a graduate in Business Management – Finance from Clark University, USA. He also holds a Post Graduate Diploma in General Management from Stanford – National University of Singapore. Mr. Habib has worked in the corporate sector for three decades, in various managerial capacities across different industries, including multinational projects. Mr. Habib stepped into the banking industry in 1996 when he joined Habib Bank AG Zurich, where he has worked in different capacities.
In addition to serving as the Group CEO of Habib Bank AG Zurich, Mr. Habib holds other directorship positions in Indus Motor Company Ltd., Thal Ltd. and Habib Insurance Company Ltd. He is also serving as Chairman of HBZ Finance Ltd. Hong Kong.
Mr. Bashir is an experienced businessman and a known figure in the textile industry. He holds a fellow membership of Chartered Institute of Management Accountants (C.I.M.A), UK. Presently, Mr. Bashir is the Chief Executive of Gul Ahmed Textile Ltd., and also holds directorship of Gul Ahmed Energy Ltd, Safe Mix Concrete Products (Pvt.) Ltd., Gul Ahmed Holdings (Pvt.) Ltd., GTM (Europe) Ltd., UK, Gul Ahmed International Ltd., (FZC) UAE. and Pakistan Business Council.
Mr. Hamza Habib appointed as a non-executive director of Habib Metropolitan Bank Ltd in 2020. He is also a director on the Board of Agriauto Industries Ltd, a PSX listed company. He has over 11 years banking experience and is presently working as Head of Business at Habib Bank Zurich (Hong Kong) Limited. Prior to his transfer to Hong Kong in 2016, he served as Area Head at Habib Bank AG Zurich, UAE. He also worked at Standard Chartered Bank in Geneva and London.
Mr. Hamza Habib graduated from Babson College in Wellesley, Massachusetts (USA) in 2009, with a Bachelor of Science in Business Management. He is also a Certified Director from Pakistan Institute of Corporate Governance.
Mr. Anjum Iqbal is a Non-Executive Director on the Board of Habib Metropolitan Bank Limited since October 2016. Earlier, he remained President and Chief Executive Officer of HabibMetro during 2009 and 2012.
Anjum Iqbal, at present, is a member of General Management of Habib Bank AG Zurich and Regional CEO for Emerging Markets in February 2016. He oversees the bank’s operations in Africa (Kenya and South Africa). He is also member of the Group Credit Management Committee (GCMC). He served as Chief Executive Officer of HBZ UK operations from 2012 – 2015.
While in Pakistan, he also served as a Director of Central Depository Company of Pakistan Limited, during 2009 to 2012, nominated by the Securities and Exchange Commission of Pakistan.
Prior to joining Habib Bank AG Zurich, he worked with Citigroup for more than 30 years, holding various senior management positions across different geographies including Pakistan, Greece, Lebanon, Venezuela, Turkey, Belgium, South Africa, UAE and UK. In his most recent role with Citigroup, he was Managing Director responsible for the EMEA Commercial Banking Group in London.
Anjum Iqbal holds a Bachelor’s degree in Commerce from the University of Karachi and holds a Master’s degree in Business Administration (MBA) in Marketing and Finance from the Institute of Business Administration (IBA), University of Karachi, Pakistan.
Mr. Habib is a banker by profession, with over 32 years of experience. He is presently the President of Habib Bank AG Zurich. Additionally, he holds directorships of HBZ Bank Ltd., South Africa, Habib Canadian Bank, Canada, and Gefan Finanz AG, Switzerland. Mr. Habib is a graduate in Finance from Babson College, Boston MA. USA.