Sep 15 - 21, 2008

MCB is one of the leading banks of Pakistan with a deposit base of about Rs. 280 billion and total assets of around Rs.300 billion. Incorporated in 1947, MCB soon earned the reputation of a solid and conservative financial institution managed by expatriate executives. In 1974, MCB was nationalized along with all other private sector banks. This led to deterioration in the quality of the Bank's loan portfolio and service quality. Eventually, MCB was privatized in 1991. During the last few years, the Bank has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network, developing a large and stable deposit base and managing its non-performing loans via improved risk management processes.

Muhammed Bin Kasim is AVP/Branch Manager of MCB Model Branch, the Mall. He belongs to a respectable family. His father Kasim Feroze Khan is the country head of Saudi Pak Bank.

Born on September 29, 1983, Muhammed Bin Kasim did his MBA in 2004 from Lahore School of Economics and after that he joined ABN AMRO DUBAI as Management trainee officer where he worked for three years.

Muhammed Bin Kasim was a customer service manager in the beginning of his professional career. Afterward, he worked in Dubai main branch as Team Leader Liabilities and then joined private banking and worked there as a relationship manager for Middle East team.

Muhammed Bin Kasim was doing pretty good in his job in Dubai but joined MCB Bank in January 2008. Right now he is working as a branch manager for Mall road Lahore branch.

In an interview, Muhammed Bin Kasim told PAGE, "MCB mission is to be the leading financial services provider, partnering with our customers for a more prosperous and secure future"". We are a team of committed professionals, providing innovative and efficient financial solutions to create and nurture long-term relationships with our customers. In doing so, we ensure that our shareholders can invest in us with confidence, he said.

MCB Bank Ltd., shares are traded on the Karachi, Lahore & Islamabad Stock Exchanges. MCB Bank GDRs are listed on the London Stock Exchange's Professional Securities Market, he said.

He said that when he joined the MCB Mall Branch this year, the deposits in the branch were of Rs 500 million but now swelled to Rs 850 million.

When asked why he left the ABN Amro and joined MCB on relatively less perks and salaries, Muhammed Bin Kasim said: "our dilemma is that we think individually instead of collectively''. He said that he returned to the country with a commitment to bring value addition so as to take the Pakistani banking industry to new heights.

Answering a question, he said that there are immense chances of growth in Pakistan's banking industry. Future of Pakistan's banking sector is bright and it would be taken to new heights, he added.

He said his foremost priority is satisfaction of his clients and with a team of dedicated officials "we are committed to the satisfaction of clients".

When asked about operation of foreign banks in Pakistan, he said starting operations by foreign banks in Pakistan will bring positive competition apart from bringing new products for the satisfaction of customers.

Muhammed Bin Kasim further said that Pakistan's banking industry needs to focus on value addition so as to face future challenges. The loan disbursement procedure abroad is very simple while it is complicated in Pakistan, he said, adding that audit process should also be simplified.