Badar Ikram

Head - Corporate Risk Management - Faysal Bank

- Integral part of the Credit Risk Committee which approves all Corporate Risk
exposures within the Bank.
- Manage and oversee a Credit Analyst team comprising of 8 individuals country-wide.
- Evaluate, question and recommend risk exposures based on the Banks credit appetite
and capital.
- Regularly interact with major customers and business units to evaluate new clients
and high risk exposures.
- Conducting Industry Studies, managing Sectoral Caps and providing
recommendations for Internal Risk Rating, Facility Rating as well as RAROC/effective
Capital Management models.
- Responsible for conducting Rapid Portfolio Reviews based on external economic and
political factors.
- Responsible for training and developing Credit Analysts as well as holding formal
training sessions for the Relationship team.

Majid Ali Syed

Chief Finance Officer - Faysal Bank

I am responsible for all functions relating to the position including:

- Strategic planning, monitoring implementation and updation
- Budgeting and business planning
- MIS
- Tax planning
- Expenses Control
- Statutorycompliance & Central Bank reporting
- Payments and Fixed Assets
- Coordination with the External Auditors for:o Local reporting Pakistan has adopted most of the accounting and financial reporting
standards
o Group reporting to Ithmaar Group of Bahrainunder Accounting, Auditing and
Governance Standards for Islamic Financial Institutions
o Group reporting to Dar Ul MaalIslami, Switzerland under IFRS framework

Recommendation:

Faysal Bank should focus on reducing its liabilities by giving more

shares in the stock market to get equity investment.
Faysal Bank should convert its entire system from commercial banking
to Islamic banking because in Islamic banking there are no bad debts
as personal loans are not given.