The Stress & Pressures of Pakistan's Banking Sector
ฝัง
- เผยแพร่เมื่อ 7 ก.ย. 2024
- Explore the intense pressures and challenges of Pakistan's banking sector with Hasan Bilgrami, the former President of Bank Islami. Mr. Hasan shares his personal experiences of navigating the high-stress world of banking, discussing the health impacts on professionals and the increasing popularity of Islamic banking as a potential future for the sector. He delves into the current economic challenges, including high taxation, uncompetitive business environments, and the heavy burden of government borrowing and high-interest rates that contribute to the banking sector's profitability.
Mr, Hasan also shares his inspiring journey of leaving the banking field to venture into agriculture, focusing on value addition and processing of agricultural products to boost Pakistan's economy. Join us for a compelling conversation that sheds light on the hidden struggles of the banking sector and offers unique insights into Pakistan's economic landscape and future possibilities.
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I haven’t met a banker like him before. A true believer and amazing person. One of my favorite and impactful person in my life.
Absolutely
I can see the pain in his heart which reflects on his face for Pakistan....
HB you have seen all the ups and down of this country....
I had great memories with you in Pakistan
He’s got a beautiful soul - what a humble man
Nice and full of knowledge podcast. Good insight Hasan Bilgrami
Raftar new . its perfect & knowledge base podcast. Kindly again make another podcast with hassan bilgrami sahab. Its marvelous to listen to this podcast..
Thanks
This interview was my first introduction with Mr. Hasan Bilgrami. He has clarity of mind and ideas, and he talks simple and straight, but in a polite way. Thanks for uploading the interview.
I have worked in Bankislami with sir Hassan, he is very humble & down to earth person.
Stay blessed sir
mashallah very sober and wise guy and nice to listen his pod cast many small ideas come to know love this podcast very good!!!!
Very knowledgeable and informative. First I am happy that he is going to start new business with focus on value addition. Second fully agree that turning point of pakistan downfall is three decisions taken by Bhutto
- Power sharing with Yakhya to break pakistan
- Nationalization
- Kota System.
Still people recognize him big leader because he took steps that was popular among masses without realizing that its going to destroy the Pakistan in the long run.
Result is Bhutto aaj bhi zinda hai :(
@@amersohail794 agree. No doubt about that Bhutto is most evil in history of Pakistan. He destroyed all potential growth of Pakistan. Other evils like zia and PMLN come after him.
Bhutto daughter government was the culprit to put us in ipps sin (don’t forget Raja rental)
It's a holistic analysis of economic issues.
ما شاللہ بلگرامی صاحب کی سوچ اور سمجھ بہت اچھی ہے اور معاملات کو اچھے سے سمجھتے ہیں ۔ اللہ کا شکر ہے ہمارے پاس قابل اور محب وطن لوگ ہیں ۔۔۔ عوامی فلاح کا کام کرنا ہو تو بہت زبردست لوگ موجود ہیں ۔ اللہ اچھے حکمران دے اور سسٹم کو اچھا کرے
Dear Hasan Sb
It was a real pleasure to see after a long time. We used to work with you in Gulf Commetcial Bank way back in 2000.
Sir please bring people like him pure and honestly speaking
اسلامی بینکنگ کوئی چیز نہیں صرف نام بدلا ہے جیسا کہ سود ربا کا نام مارک اپ ،منافع وغیرہ وغیرہ
bravo sir regarding musical chair bilkul sahi kha one is fixed and bringing other party
Musalman Matlab....khayalon me jinay waali qaom....
From india 🇮🇳
@@aabidansary-jg6vt you are sure illiterate and dhakhan - living in hate
Quota system was a disaster.
We must appose.
In parallel, education system must be improved & every corner of the country should have quality education.
Very informative. Thanks for host.
My husband took the risk of resigning from his toxic banker job right at the time of getting married. I don't think there could've been a better decision. His dedication toward growing into the technology domain sent him into learning phase again where he built himself from scratch through courses and certifications throughout being unemployed for 8-9 months. Now he is working in a technology sales company as an Account Manager for global IT licenses and certificates. It was not impossible. It is about time the middle class realizes that banking is a pointlessly overworked and shamefully underpaid job offering no room for medical wellbeing, let alone career growth.
Very intellectual talks, thank you Raftar
Very informative. Will encourage raftar to make competent guests like Hasan Bilgrami regular features on the channel
Done boss
Ji started Coming on public against inflation,
I forsee that major of public will join them at one stage if they keep raising the voice with sincerity and boldly .
I totally agree with his observations about Pakistan's historical development path. Pakistan was lucky enough to mustered support in his early years. However, he has taken a little note of an important factor of geo-political implications of cold war and its impact on Pakistan. Pakistan remained the focal point of these changes and pivotal area. All the forces of these development tried to influence its leadership and infiltrated its institutions. These infiltrations weekend the institutional set up and the policy making process. Now we have reached a point of total breakdown. If proper, stern action and steps are not taken, God forbid, the doom days are near and waiting for us.
🔻Meezan bank and other large bank of Pakistan, they earn so much profit but have 3rd class digital security platforms and mobile apps which are prone to freeze, crash and offer less analytics.
The problem is with the overall mentality of businesses in Pakistan which do not value customer experience and don't want to improve on International standards.
There are many factors that have led to our downfall. But there is one factor that seems to have played a major role in weakening us in every aspect: the system of patronage. This system makes the beneficiaries beholden to their patrons and not the state.
It was informative interview conducted well
Very informative MashAllah
Seamless, We need such kind of people in the parliament. YA ALLAH HELP US.
Right. Bank job specially in head off related department is very pressure
Very informative.
He had to go back 60 years to think about the good time lmao. Even the 90s were 30 years ago!!
😂😂😂
Be glad that he did not go all the way back to 712 AD. My impression is that sections of the Pakistani population want to drag the rest of their fellow citizens in that direction.
The direction is towards 712 AD.
If you have worked in any global organization or MNC you will see their analyses always start from the origin talking about strengths and threats. Thats how companies grow. Here he is walking us thru the ups and downs of the past and how to move forward.
@@rakadus Looks like bias comment without listening to the podcast!
Very Informative thanks to Raftar news for this
Very informative interview. Nicely described the history and the downfall of our economy.
Good 👍 one, your guest speaker is very knowledgeable, fully agree 👍 with his views 🎉
What a positive man
“Political stability.” For that, Pakistan’s military generals need to look for new modes of employment. Not easy. In fact it’s impossible.
Inflation is the best progressive taxation.
I left Pakistani banking back in 2018 after 13 years of service.. I was MO, but was ⛓️ up. And can't tell how relax I am now and after quitting my job. Alhumdulilah
Would you like to share your story with us?
Best podcast ever ... I am fan of Hasan bilgrami Sahab.
Mashallah , a great knowledgeable person and also a nice human being.
Pakistan's biggest mistake was / is involvement of army.
It's penetration, not only in civil matters but became investors, manufacturer, exporters.
This is the main reason of the downfall of the country.
A beautiful guest
Well done!
After watching this complete podcast ... I found that the only solution, especially for a salaried person, is to look for opportunities outside Pakistan. 🤔
Ofcourse
True as a salaried person in pakistan.. As a member of healthcare profession, the besy choice is move out or leave the field
To the anchor,
Sir, good governance is not associated with good democracy. 50s and 60s were the best times for common folks.
Hate or love Ayub! He kept aneachy in Pakistan at bay for at least 20 years. That is why we progressed so much in those 20 years.
MESSAGE TO CONVERTED ISLAMIC REPUBLIC OF PAKISTAN-
'KARMA IS MORE POWERFUL THAN KALMA'
CONCENTRATE ON KARMA THAN KALMA. OR CONTINUE WITH -
BADI BADI BAATEN AUR BHIKH MAANG KE KHAATEN.
Good information
One answer is to have a policy where Pakistanis can’t have duel citizenship. It’s a problem for all developing countries
Perfect.
We should understand this talk if we want to save pakistan
Mr Hasan Bilgrami really a great person
🎉 In early days of Pakistan he mentioned was good mainly because of remaining bureaucracy which worked with British and secondly mostly were Indian immigrants. Afterwards when racism bias kickedin Pakistan went down hill.
He was talking about UBL at @ 19:23
it's reality .nice
Excellent, INFORMATIVE INTERVIEW! JANEY KAHAAN GAYE WO DINN ....,
"Conventional and Islamic banking are essentially the same. Whether you grasp it from the front or the back, it is still grasped. Sooner or later, everyone will realize that both type of banking is Haram (forbidden), except for the matter of Qard-e-Hasana, which is a separate issue. Just as people are currently moving from conventional to so-called Islamic banking, in a few years, they will flee from this as well. Bankers are aware that Islamic banking is no different; it is merely a play on words. Mr. Bilgrami should have spoken the truth, but it's okay. Even stating this much was a promotion of Islamic banking. Anyway, you all are quite discerning.
Respected, We Pakistani give judgmental statements. We have to give alternative solutions answers of every questions. We have restricted our wisdom/ vision on every issue.
The subject line is misleading. As the issues discussed in this talk are many more
Mr Bilgrami delves into the current economic challenges, including:
- high taxation,
- uncompetitive business environments,
- the heavy burden of government borrowing and high-interest rates that contribute to the banking sector's profitability,
- lack of focus on value addition,
- abandonment of meritocracy,
- poor decision making,
- poor governance,
- etc.
قائد اعظم محمد علی جناح نے کہا کہ پاکستان کی ترقی جاگیر دارانہ نظام کے خاتمے پر ہو گی
Word m sb banking system same way operate Hoty hn
I have the same stress issue but in IT security..
Pork is haram. You boil it an 1000 degrees and it will still be haram. Is meezan bank not earning interest from lending to the government??
I have also left the largest bank, banks are not a good place to work. People just see the good face, lifestyle etc but mentally it affects you alot. Alhamdulillah i am very happy now after leaving banking sector.
sahi batain batayin guest , no hope for betterment
Good
Pakistan's per capita GDP was higher than India's till 2005 (not just 90s) and it was a bit behind in 2007 but ahead in 2009.
Anticorruption bandwagon is also a big impediment to quick and good decision making. NAB can throw you in jail for a long long time without having to prove anything. We all know what happened to Ahad Cheema and how Saqib Nisar nearly destroyed PKLI. Nawaz Sharif is still hounded by his opponents for making motorways.
Business Experts do not understand history and political science. Earn money by hook or by crook. These people can Islamize banking, business, politics, constitution, and even a society and state.
Quota system implemented by Liaqat khan
Hassan Bilgrami Sahib has literally committed a crime by stating era of first field marshall as need of time.
Pakistan's destruction began when army intruded in the politics and from day one till todate this army has gained strength not in its area of competence but in commercial sector to become a huge colgromate to an extent of Apple, Microsoft, Google etc in terms of Assets Capitalisation!
This country is bound to disintegrate!
East Pakistan to separation of KPK, Balochistan, Gilgit Baltistan etc leaving Punjab and rural Sindh.
@@tislaoman I agree he shouldn’t mention this.
US Dolla 185 PKR ?
60s m dollars aty thyy
faisal bhai dukhti hoi rag pay hath rakh deya billlllllllllllllllllllllllllls ...
If these are islamic, why others r not kufari banks, (not conventional banks), u gain more than 40 % profit, islamic banks, islamic democracy, islamic gambling (stock exchange), Islamic dance, islamic beer, etc etc
Interest ko islamic bank me Bank ka profit ka hiccha kehte hai 😂😂😂😂. Q ki Islam me interest haram hai. Bas naam badal do interest halal ho gaya. 😂😂😂
Good News = Bahrya Town Khi is a Beautiful, Clean, and green city, just like America....... Luxurious Homes and Apartments (without walls), street lights with Wires underground, no Garbage, Painted & well-maintained high-tech Glass and steel buildings and infrastructure, beautiful Parks for kids, no load-shedding, Gas, Crime, suk-oon, peace. Overseas Extremely wealthy Pakistanis sending watan $35 billion dollars a year via Banks, (more thn $50 billion a yr total) can now buy this amazing living for themselves & their families and Loved ones in Muslim Pakistan.. Farhan Pakistani from the USA
To hell with dacoits democracy
Nationalisation os time ki need tha bcoz mulk toot chuka tha otherwise default hota
Bank interet lena band karo😊
Islamic banking is F
IS PODCAST,ka Hasil,e,Matlab ye,hua k, BHUTTO,ne YEHYA,se milkar PAKISTAN chota kardya, us,se pahle BANGALYON,se jo Sulook Rawa,rakhagya wo gaya Bhar,men,.. Yani k, UDHAR TUM, IDHAR HAM Aur PAKISTAN TOOTGYA,..WAH SAHAB,...Ab,to TAREEKH,ne buht,kuch ugal,diya,ha aur ugal,rahi,ha,..NOORIABAD INDUSTRIAL STATE, AYOUB KHAN,ne Declear ki,thi ? STEEL MILLS,smet Heavy Mechanical, Electrical, Aironatical complexes, LIAQAT ALI KHAN k dur,men Bane,the?PIPPRI PORT( Islami nam, Bin Qasim port) ISKANDAR MIRZA,ne Banwae,thi? Aaj 4 Cror Bache schools,se bahir,hen BHUTTO,zimewar,ha? KARGIL, SIACHIN, k,jane,se PAKISTAN or,chota hua, BHUTTO,ne kiya,.. MAHRANG Baloch ROAD,per,ha, KP,men un,rest,ha, G.B AUR AAZAD KASHMIR,men Ehtjaj,hi,Ehtjaj,hen, J&K ko INDIA,ne ATOOT,ANG Banaliya, Sub,kuch.. BHUTTO,ne,hi kiya,..... To PHIR,...ham,ne kiya kiya?
@@mithulaghari257 off course main person in Pakistan is Bhutto and his khandan. Zardari tufa bi Bhutto khandan ney dia
As said all other corrupt come after Bhutto in ranking. Bhutto ka daddy ka naam tu pata hey na?
IPP are not Pakistani govt meaning jageer waderas responsible
kisi bhi country mein dollar exports se aata hai aur remittance and foreign aid or FDI se,
Pakistan establishment bahut hoshiyaar hai usne Pakistan ki public ko itna tang kiya jisse public Pakistan se bahar jaye aur bahar se remittance send kare.
Guest ne ek baar bhi ye nahi bataya ke america ne kitni aid di thi aur Afghanistan war ke liye paise baras raha tha. Tab Pakistan ki economic condition bahut achi rahi. Guest Pakistan army ka banda lag raha hai
سر اپ نے کہ دیا سرکردا لوگوں نے سن لیا اب آپ کے کام کو خدا بچائے
Mulk ka satyasnas kardia in bankers ne
Salon ki salaries dekho, crores kamaty hain per month k hisaab se, perks privileges alag, banks pe kya pressure hai? Aj bhi chand lakh rupay nikalny jao, sab heelay bahany shuru krdety hain, nahi hai itna cash, falan din ajaeyn bla bla, aj se acha din to in p aya nahi, kya investment karty hain banks Pakistan main? Sirf government bonds buy kar k mazay se non-risky investment kr k government ko choos rhy hain, ab to salay finance ministry main ghus k beth gaye hain, 1 ke baad 1 banker finance minister ban rha hai takay government or loans le local banks se, jhuty kaminay, in logon ko sunen jo hamara khoon choos rha hay
وہ عالم دین جہنوں نے قرآن مجید کا اُردو ترجمہ کیا تھا حسن بیلگرامی کیا آپ کا ان سے کوئی تعلق ہے ؟
ایسے لوگوں کی عزت کریں ا یسے قابل لوگ اب ملک میں بننا بند ہوگئے ہیں۔۔۔۔
ڈھونڈ و اگر ملکوں ملکوں ملنے کے نہیں نایاب ہیں ہم ۔۔۔۔۔۔۔
Sorry to say but Pakistan state is facing karma. And in Karachi whoever can leave Pakistan with family please do and bridge for others as well to leave karachi pakistan and settle permanently abroad. When the country don't owns this city its better to leave.
Awam nahi niklay ge , is zameen ki taseer hai. Raja dahir pr jab hamla hua tu darwazay band kr k baith gaye laikin jang nahi ki. Mughlon k humalay sahay laikin talwar nahi uthaee. tipu sultan aik he tha. is se andaza laga lain
Lubay lubaab- Bura haal hai.
पाकिस्तान को चाहिए लोकतंत्र बहाल करे. आर्मि को राजनीति और बिजनेस से बाहर निकाले.
wonderful interview
All bashan and gyaan but ghanta in practise
Meezan b fraud haa
HUM NE SIRF PINDI OR SHAREEFON KO AAZMAYAA. 😂😂😮
yeah adha such bolnay ka aadhi hai
Baqwas krta
Jhotha
Baqwas
Karachiiete and their obsession with saying " karachi chalta ha toh pakistan palta hai " in every fookin podcast ☠️☠️☠️
Only in karachi you will find people from all pakistan working and earning
Sahe kehtay hain karachiite. Pehlay jitna tax karachi generate karta hai utna Punjab to karay na phir baat karna.
Allah ek FIRON tha aur Quran ek aazaab 👍
The banks will collapse like the economy- they depend on lending to government which is a defaulter.
❤❤❤❤❤❤❤❤❤❤👍👍👍👍👍Well said 😪😪😪😭😭😭😭😭😭
Army should be abolished and than reinvented with new terms and rules