Banking, Start Ups & The Economy of Pakistan | Junaid Akram's Podcast
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- Опубліковано 3 чер 2024
- Hassan Mansoor and Eraj’s Hashmi are both seasoned bankers and have a vast experience in the industry for over 15 years. Hasan has worked in different domains of banking which have helped him to polish his skills in the areas of Sales, Product Development, Prudential Regulations and Guidelines, Compliance, Audit, and Client Handling. Whereas Eraj’s experience revolves around the Fixed Income & Money Market in Pakistan. He has hands-on experience in dealing and making sales calls in almost all money markets and fixed income (both Conventional & Islamic) instruments that Pakistan's financial market offers.
Watch the full podcast to know more about their career journey and in-depth analysis of Pakistan Banking’s past and future, Startup culture highs and lows, and a general economic review of Pakistan’s economy.
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Topics discussed:
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00:00 - Intro
00:55 - What’s the take of academia on the future of Pakistan?
02:58 - Credit card policies in Pakistan
10:29 - Do we have any international bank?
19:50 - How is climate change affecting the world today, and how can that affect our economy?
32:34 - State Bank import list
38:52 - Priorities or our government officials
51:13 - General feedback from the youth of Pakistan
55:49 - Are we good with finance?
58:46 - How effectively are we attracting the startup market?
01:07:39 - Decision making in startup companies
01:18:00 - Educating the Youth about financial planning and saving
01:33:12 - What’s our economic plan for the future?
01:38:50 - What’s the way forward?
01:44:41 - Wastage of human and energy resources
01:50:13 - Outro
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I did a bachelor and masters medicine with a bank loan. Without a loan I could never dream to become a doctor. I am talking about the early 1990s. Education with a study loan from State Bank of India has made me a millionaire today.
Currently i dont think medical is that yeilding if one is doing it from private and that too with taking loan, i am talking about our india.
@@ashoaibsonu 1 crore ka loan leke doctor nhi banna
You are millionaire.. considering you are from Medical field definitely you are an Indian expat aren't you???
@@abhaypatel4292 does that really matter? He is an indian he said that right..he is in country or out of the country that is his ability and choice..we shouldnt be talking abiut that
thearshblog.blogspot.com/2022/09/friends-not-family.html
I got a student loan from the Public sector bank 3 years back for MBA. Now, I'm working with the Big 4 here in India. Right policies on the education loan worked well for me.
What do u think about modi govt. policies regarding this?
Am a banker in INDIA and i work as an assistant manager in a REGIONAL RURAL BANK here. As its clear by the name, we are supposed to work among farmers and small businesses but here too we provide education loans from 4 lacks to 8 lacks on real easy term 😀
Hey i had a question..the government effort to reduce the number of government banks via merger..is it a good thing or a bad thing???..
Also would it effect the number of jobs (government) in banks
@@abhaypatel4292 well i dont think merger will reduce jobs in any situation cause if you look into the number of vacancies, it has increased this year. And large number ofvbanks are hard to control.
Merger would strengthen the unions in banking which is good for employees
A good and healthy exchange of knowledge. I have personally worked with Hasan Mansoor and he is someone who has thorough experience in banking and have seen it transform.
You can get educational Loan upto 12lakh INR , for higher education or for engineering, medical, or technical education, general graduation students also get education loan only if he get admission out of his / her state...
A refreshing and candid discussion with two gentlemen who have a good grasp of their respective fields. More common, yet professional individuals should be brought on the show to talk about issues which are faced by everyday Pakistanis. Main stream media is sold already and they don’t have independent voices. Everyone has an agenda or supports a narrative. Thanks to Junaid, we can see guys who don’t seem to have any agenda and are not on a payroll of a political party etc. Both men spoke from their heart and had Pakistans best interest at the forefront. There are good men still in this beautiful country, they just need to step up and take a more prominent role rather than letting corrupt politicians and bureaucrats to continue their merry ways of looting and plundering the resources of Pakistan. Well done Junaid. Thank you Hassan and Eraj.
India's Options Trading in NSE is world's no.1 Derivatives Market in terms of daily Volume🔥
My nephew was granted loan by Telangana govt to do masters in Australia. Now he is having a well settled job there.
Larry Fink crying in the Corner when he gets to know at 1:17:50 that Blackrock ka Ceo is a Pakistani 🤣🤣🤣
Was confused there too when i was trying to find asian looking people in the about section of blackrock...haha
Guess what! I found 2 asians and they were indian
😅😅😅😅😅
I will be taking INR 8 Lac loan this year for my engineering in IIIT Delhi....wish me good luck for future.
Meree toh maths ki cutoff clr nhi hui but Good luck bro you will rock and me also Abhi aktu ke clg m jaa rha hu but mehnat krunga
@@adityavarshney5373 bro shi se padh lo yaar IIIT DELHI hai not IIT...bcs i got 9638 rank in advance.... chemistry ne marr Li
@@adityavarshney5373 btw....best of luck..... skills matters the most.
@@uchihasasuke8162 I am a 2nd-year dropper..
Ohh mene dekha nhi IIIT DELHI is also a tier 1 institute
@@adityavarshney5373 hai yarr.....but I'll get ECE there that's the problem.....i am having conflict should i choose tier 2 USICT CSE instead.... I'm also 1 year dropper.
Shahab Malik is director Of marketing in black rock
CEO of black rock is Larry Fink
nope
Very few smart Indian students end up in Dubai. They prefer Western countries or stay back in India. Most of the Indians working in the Middle East are average students. I was one of them. I worked in Abu Dhabi for 10 years and I was better than Pakistani co-workers even though I was an average student.
South indian nerds are cringe 😂🤣🤣 ,
The thing is Indians are like 18% of the world so you can find them everywhere
Plz tell how come ?
Pakistan students iq as same as Shahid Afridi iq
@@bharatkapoor4062 also they feel very insecure over confident patriotic and have short temper
In India if you want to get an educational loan
Upto 4 Lakh they give it without guarantee.
4-8 lakh you'll need a guaranter who would take guarantee if you don't pay they will.
Above 8 lakh you need to have some collateral.
Foreign education loan is also very encouraged that's why alot of middle people are looking for foreign education.
I pass out in 2017 and 30-40% of my batch mates are in different countries around the world.
bro if your selected for IITS,IISC,IIMs or any top institute
banks come forward em selves to offer a loan since then know how much ones gonna make passing out
@@yashk4051 I've heard that too
Bhai tum ko kya khujli ho rahi hai.
Video dekho aur Enjoy Karo
Kisnay kaha ki Pakistaniyon ko Gyan Baatna Hai ?
Kaunsi Daaru Peekar Pass Out Bhai 2017 Mein ?
@@goodvibes6715 sahi baat kahi jaahil hi raho tum log
Thanks!
@@aryanhassan4659 ok?
I got my student loan 8lakh INR , B.sc physics...even i got my admission in my own state University.. ...
Junaid bhai it was refreshing to see startups being discussed. I would request you to create more conversations about tech startups. In a country like Pak, technology can solve a lot of problems at scale. There are many people quietly building solutions for millions. We need creators like you to create this awareness among the youth. We have millions of Elon Musks and Sundar Pichais in Pakistan, all they need is inspiration through platforms like yours.
Pichai is not an entrepreneur...he is just a sharp minded guy and a product of iit....he didn't innovated anything...
Podcast with successful doctors outside
@@aryanhassan4659 alphabet n crome usi ne create kia hai ..
Look at Pichai’s innovations during his tenure as Google’s CEO
@@aryanhassan4659 go read about it what he created in Google
Junaid bhai, ye he ap ki niche. Mene do din laga k ye podcast suni he. Thank you very much.
Eraj hashmi was my teacher at IBA. One of the best teacher ever, a mentor 💗
I would love to see Ashraf Habibullah on your channel someday. Ashraf completed undergraduate studies at NED and he is a structural engineer who created a engineering design software company which really revolutionized the civil engineering world.
I studied civil engineering and even i did not know about him while a student. People need to know about such personalities.
Thanks
Amazing podcast man... Saw Hassan after a very long time and did not recognize till the very end.. please keep bringing people from the different industries to talk about multiple situations prevailing in our country
One of the biggest reasons for India's growth is due to credit available to msme( micro, small and medium) companies... Kudos to Indian banks for some outstanding work
Students loans are very easy process here in India.. you have to submit only two documents..one is Admission receipt and another one is Bank details...only...
No easy in my state
It’s not easy. You need to have property as a mortgage. Why you feel it’s easy because you see numbers. You think a lot of Indians are getting it so it must be easy. But you’re forgetting an important aspect, whihc is population. Even if 10% of the population takes student loans, that’s a lot for a country like india.
@@9Rehankhan19 its not the case you dont need security for student loan..i think u are pakistani and u are feeded with this population narrative right from the day u are born
@@9Rehankhan19 depends on university as well university rank matters
@@jaibaba3850 nope, I’m from IOK. And it was not easy for me to take a loan. Our house was put as a mortgage. Student loans for Indian colleges where you need maybe upto 5 lacs is easy to get, but not beyond that. People who go to foreign universities have to pay a lot and it’s not easy to get that much of loan .
1:16:01 Blackrock (10T) is the world's biggest asset manager, followed by Vanguard (7.2T) and State Street (4.14T).
Proud to hear about Hyderabad India 🇮🇳
Time stamp please ?
3:27 In India student loans are easily available, lots and lots of banks are available...and if u r taking loan upto 4 lakh, u need not give any security on it, govt will be take care of it...but these loan are mostly for technical and medical field students...even im goin to take loan of 4 lakh next yr to complete my *masters* in computer applications.
Exactly
I am also in engineering college in India and many of my friends took educational loan
@udit singh nah bro...not whole life...doctors play in crores easily...depending on their skills....but banks wont give this much of loan without security.
@udit singh my mothers aurvedic doc in navi mumbai charges 1000 Rs. per patient and she must be handling 100s of patients daily....just calculate 1000x100=100,000 per day...lets say its 50k per day...even then multiply it with 30 days....thats15 lac per month,,,, and its just her fees not extra money that she makes.
just calculate it for month...and she is just a aurvedic doc not a MBBS doc.
@@aashishgupta9392 Scammer Mummy
@@imviiku it's not scam bhai degree hai uski mother k pass
Hello everyone, podcast is to good. Keep going good work!
Some corrections:
Blackrock manage $ 6.28 trillion approx.
And ceo is not pakistani. Larry is ceo and chairman.
It was really informative session. Looking forward for more videos like this.❤
BlackRock's CEO isn't a Pakistani , just putting it out there.
Indian hai
@@bharatkapoor4062 No
@@AkshathAgarwal some Indian on big post
@@AkshathAgarwal director is Prashant saxena
@@bharatkapoor4062 He is Director in India not USA , he is responsible for BlackRock's operation in India not worldwide
One of the best and informative podcast.
Junaid bhai you did a great job! Hats off
This is superb information. Please try to arrange such type of informative session on weekly basis.
Great podcast Junaid Bhai. Much needed more like this, you’ve great young following, try your best to make more podcasts on capital markets especially (stock market) & financial literary. If possible make a channel of it and let the professionals run it. Our country really needs this type of initiative. this would be a huge contribution to whole economy. I personally believe equity market is one of the unique resource where women, unemployed people, adults, children , retired persons can understand the significance of savings and the miracles of compounding through good value investments, it also adds to the longterm horizons on life and investments, And break the old myths about stock market.
being a student of Sir eraj hashmi he have got soo much knowledge of field which cant be compare by any other bank treasury person in pakistan.
Good to see Eraj after so long. I got to know him during my audit days at NBP way back in 2011-2012
Shukar hai junaid bhai bht arsy baad koi informative baat samny aai hai mind blowing💥❤️
Retail and consumer banking has a huge huge untapped potential in pakistan, however key ingredient missing is documentation/ formalisation of economy which is almost zero in Pakistan. So for banking and economy to thrive, computerised documentation is a first requirement.
Honestly, love listening to these kinda podcasts, thank you !
One of the best and informative podcast.
Eraj Hashmi k sath Aik Or Podcast chahiy.
Such a good work you are doing Junaid bhai. We really need this type of content. Dont worry if you are not getting the desired views.
Excellent and very informative podcast.. Keep up the good work Ganji Swag.. this is some good content
What a great conversation, got alot to learn. Thanks junaid bhai for amazing podcast. 👏
Loved this every bit of this discussion
Listening to Sir Eraj Hashmi talking about the same stuff he talks about in class! Wished there were more podcasts with him!
Had one of my favourite courses at IBA with Sir Eraj Hashmi
AMAZING SESSION.....
Nice message .. Best audio recording ..
Great 😃 podcast Junaid Bhai sekhnaay or samjhnay ko bht Kuch mila
The only guy who's producing quality even sometimes muzammil lacks quality
Kudos GanjiKing ✌🏻✨🔥
Didn't get bored on whole 1hr55mnt
Plz make more
@@ashwanigoel9105 he is talking about Muzammil Hasan not Syed Muzammil
Muzammil Hasan is biased toward PTI
@@AmanSingh-cc2ci . I stand corrected. Sorry
Great podcast, bring more
It was really informative to see this podcast
Excellent information
Pls do such types of topic
Again excellent
A very good and informative episode. Thanks.
What a great conversation.
Love from India 🇮🇳
Seriously, just mind blown away. The guests have the clearity of thoughts and ideas. N in true sense they're nationalist for your country.
Jai Hind.
What's the need of jai hind here????typicalll boomerrr ultra nationalist 😆😆😆😆
Love you ho gaya jaani
@@yousafmalik6492 lob you pakistanis
Wonderful discussion
Blackrock's ceo is Larry Fink, not a pakistani
Shahab Malik is director Of marketing in black rock
Coach sab is back
Big love from Italy
Very good informative session by Mr Eraj!
Junaid bhai I consider you one of my guide , thank you for the knowledge
Excellent guests and good show 👏👏
Love to watch more podcast like these
Yar Junaid Akram ka Spotify kia hy
I lIVe in Hyderabad deccan and all the new developed area around HITEC city are good. But we do have traffic problem. THis hyderabad ciy is also hub for pharmaceuticals
Brilliant podcast!
I would like to listen more shows like this who discuss about banking. Finance economy startups
Sir Eraj Hashmi, the man, the myth, the legend!
Very informative podcast 👍
can anyone tell about these 2 guests ? where to find them any social media platform ? @Junaid Akram
Fruitful podcast
learnt A lot thankyou Junaid Bhai :)
1:26:02 - Parsi bakeries are top notch in Mumbai too.
In India many states gives student credit cards. In my state government offer Credit card of 10 lakh INR without any guarantee. 4-8 lakh INR ka education loan lena bahut easy ha.
🇮🇳 Jay Hind 🇮🇳 bahut Kuch sikhane ko Mila
Please make more vid on banking and investment
Isnt BlackRock ceo Lawrence Fink? Who is the Pakistani guy they are mentioning?
Eraj bhai!!!! Wow!
ES TARAH KI AUR VIDEOS BHI CHAHIYEIN JONI BHAI❤🙏
The bad luck of this nation is that such a video is getting only 100K views and a comedy or dance video would reach million views in hours. Junaid bhai thank you for such a good informative content.
Plz also give linkind id of these people, and also of the CFO which gave interview to you recently
Great podcast
Video play ni ho rahi
The ceo of black rock is Larry fink.
Historically if we see those who were good in banking and business were in Pakistan in pre-independent migrated to India those time most of the big business in Lahore and in Karachi were run by Sikhs and Hindus and other communities
No one addressed the main issue that is that Pakistan is controlled by the army , the army knows nothing about economic management. I am from from the Indian Army -- India is lucky the Army is away from the economy.
Yes. And just look at their budget, most of if goes in defence. They are literally in everything from construction industry to cement business, from fertilizer to pizza. They are everywhere. Along with the budget just imagine the amount of incentives and subsidies they must be getting from these businesses. They own their nation. And they will never do peace with us because if they will then there will be no relevance of them.
Sir erij hashmi is a great teacher ♥️
Good One
superb voice and informative video junaid bhai.. i am new 😚😚
Thought-provoking conversation
Food panda was founded in Germany by Rohit Chadda(indian) and Ben Bauer(German). It might have expanded subsidiaries in other countries like pakistan. How the hell did it become a Pakistani startup!! By this logic kfc, McDonald's, Dominos are also pakistani startups !!
🤣🤣🤣
I think you need to rewatch the video, he only gave it as example
Salam. I love all your podcasts and ask sessions on the other channel. I mostly hear them hardly watch the videos. But I want to give a small feedback from my side, there are screen cuts in your videos that change from one view to another, these look good. There are ones that just zoom a little bit in the same view and then zoom back, it sometimes hurts my eyes. Just a small feedback, content is top notch as always!
Love your job sir
I think the problem in Pakistan is that most of the young adults do their degree for their family and extended family and not for themselves.
Even in India this was a big problem but it is getting better
I think in 5-10 years even Pakistan should catch up.
Indian society is improving with more intellectual mindset
Laurence Douglas Fink CEO of BlackRock he's from Multan Pakistan 😂😂
Laurance Douglas Fink KHAN*
😅😅😅😅
Really loved it .why don't you invite uzair younus.. he's in pakistan right now
I would love to hear discussion on Economics of Pakistan.
very good podcast
Was the video removed?
Delhi govt give tution fee return
If you study in technical college
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Well said
State Bank's podcast is lit