Papers & Articles
Policy and Research Working Papers
Other Papers and
at Conferences and Seminars - International
Papers Presented at
Conferences and Seminars - Nigeria
Papers Presented at
Conferences and Seminars - Pakistan
Policy and Research Working Papers:
“The Macroeconomics of Adjustment in
Sub-Saharan Africa: Results and Lessons.” World Bank, Policy
Research Working Paper No. 1365, October 1994.
Why Do Some Economies Adjust More
Successfully Than Others? Lessons from Seven African Countries”,
World Bank, Policy Research Working Paper No. 1364, October
“Trade, Aid and Development in Sub-Saharan
Africa: Results and Lessons.” World Bank, Policy Research
Working Paper No. 1214, November 1993.
"Poverty and Structural Adjustment: The
African Case", World Bank HRO Working Paper No.9, September
“Capital Flows to Asian and South Asian
Countries”. Co-Author Kwang Jun. World Bank, PRE Working Paper
No. 842, January 1992.
How did the Asian Countries Avoid the Debt
Crisis”. World Bank, PRE Working Paper No. 785, October 1991.
“Future Financing Needs and the Constraints
on Scope of Action.” Co-Author with S. Mitra. World Bank, PPR
Working Paper, 1989.
Other Papers and
"Fall of the Rupee",
DAWN, September 25, 2013
"The Nexus of Human Capital and Governance",
The News, September 23, 2013
Policy-performance Gap", The News, July 29, 2013
search of a Foreign Economic Policy", The News, July 1, 2013
Governance Reforms”, The Express Tribune, June 1, 2013
IMF Dilemma", DAWN, May 24, 2013
the Bitter Pill", The News, May 13, 2013
"Agriculture Vision 2030 is Vital", DAWN Agriculture Supplement, April 4, 2013
an Ailing Economy", The News, April 1, 2013
Bang Opportunity", DAWN, March 11, 2013
Youth Bulge", The News , March 4, 2013
The News, January 14, 2013
"India-Pakistan Trade: Recent Developments, Future Prospects and Risks",
Criterion Quarterly, January 2013
"Trading with India", The News, December 3, 2012
“How to Build Trust”, The Indian EXPRESS, December 1, 2012
"Interview with BLUE CHIP Magazine", November 2012
"Politics Vs Economics", The News, October 22, 2012
"The Economics of Corruption", The News, September 16, 2012
Green is my Valley", The News, August 13, 2012
Location and the Economy", The News, July 23, 2012
"New Fiscal Federalism", The News, June 25, 2012
"The Budget Arithmetic", The News, May 14, 2012
"Flawed Privatization", The News, March 19, 2012
"Judicial Reforms and Economic Growth",
The Express Tribune, March 17, 2012
"Interview with Business Line", India
"Building Ties without Aid", The News Feb 14, 2012
"Agriculture Sector: Issues and Prospects", Dawn Feb 10, 2012
“The Way Out”, The News Jan 9, 2012
Disaster for Votes", The News Dec 12, 2011
Role in Economic Governance", The Express Tribune Dec 5, 2011
DAWN Nov 23, 2011
"Trade Recipe for India", The News Nov 14, 2011
Elitism", DAWN Nov 13, 2011
"An Economic Mirage", The News Oct 17, 2011
"Interview with Business Standard", Oct 16, 2011
with Smart Savings", DAWN Oct 7, 2011
"Subsidising the Rich", The News Sept 19, 2011
"Carnegie Mellon University Adelaide Convocation Address", August 16, 2011
“Pakistan’s Economy at 64”, The News, Aug 15, 2011
“The Global Fallout”, DAWN, August 9, 2011
“Maximizing Benefits for Devolution”, The News, July 25, 2011
“Governance Initiatives”, Pakistan Today, July 20, 2011
for the Future”, The News, July 4, 2011
Growth”, The Herald Karachi, July 2011 issue
Economy of Budget”, The News, June 13, 2011
2011/12: Analysis”, The Express Tribune, June 5, 2011
“Reforming public sector enterprises”, DAWN, June 2, 2011
“US Assistance: Differing Perceptions”, The Express Tribune, May 19, 2011
"Bridging the Governance Deficit", The Express Tribune, April 2 and 3, 2011
"Prospects and Challenges for increasing India-Pakistan Trade",
News, March 24 and 25, 2011
"Pakistan’s Economy Post-Flood", Criterion Quarterly, January-March 2011
"Good Governance for Dummies", NEWSWEEK,
February 21, 2011
"Disconnects and Mismatches", DAWN, February 6, 2011
"The inadequacy of our Economic agenda Tribune",
The Express Tribune,
January 25, 2011
the next phase", DAWN, September 8, 2010
"Tough Economic Decisions", DAWN, October 4, 2010
Pak economies compared”, South Asia magazine, August 2010
"Banking and Monetary policy in 2010,
Pakistan in 2010", Jang Group and The Economist, January 2010
“Economic Cost of Instability”,
DAWN, November 2, 2009
"Public entities & political control",
DAWN, October 19, 2009
"Governance Reforms in Education",
October 5, 2009
"Lessons from Financials Crises",
DAWN, September 28, 2009
"The Indian Dream",
DAWN, July 12, 2009
"A confused federalism",
DAWN, June 21, 2009
"The Economics of Fundamentalism", Notebook, May 2009
"Pakistan’s Economy 1999/2000 to 2007/08" , Business Review January-June 2009
"Pakistan-US economic ties",
DAWN, April 8, 2009
"Going beyond the IMF",
March 15, 2009
“Economic Governance in Pakistan”, Criterion, January-March 2009
"Pakistan and trade liberalization",
Blue Chip, November-December 2008
"Upgrading business education", DAWN, August 11, 2008
"Reforming The Executive"
The News, July 8, 9
and 14, 2008
"Boom and Gloom"
Newsline, May 2008
"Governance Reforms in Pakistan"
"Reforming Institutions of Governance"
January 7, 2008
"Pakistan and Indian Economies– Sixty Years Later" –" –
Chip , December 2007
"The Politics of Economics Policy Reforms", CRITERION, Oct-Dec 2007
"Surge in Islamic Finance Service Industry" –
"Pakistan and Indian Economies – Sixty Years Later" –
DAWN, August 14, 2007
"Reforming the Executive", The News, August 8,9,14 2007
the Government (3 parts)” – The News, May 24, 26 &
Critical is US Assistance?” – DAWN, April 16, 2007;
Business Recorder, April 17, 2007; Khaleej Times, May 31,
Economic Future” – DAWN, March 23, 2007
for financing fiscal and external deficits” – Blue Chip,
External Sector: An Analytical Survey”– Blue Chip,
for the poor” – DAWN, Karachi, October 15,2006
Reform the Government?” - DAWN, Karachi, July 9, 2006
investment scenario and Capital markets” – DAWN, Karachi,
June 11, 2006
Banking Sector” – DAWN, Karachi, May 14, 2006
orientation of the economy” – DAWN, Karachi, January
“Time to look to the East” –
Karachi, December 31, 2005
“Banking Sector Reforms in Pakistan”:
Blue Chip – The
Business People’s Magazine, January 2005.
of the Banking System in Pakistan”: Blue Chip – The
Business People’s Magazine, January 2005.
"Why Pakistan should exit the IMF Programme?" Reproduced from article published in the Daily
DAWN on February 29, and March 1, 2004.
Forex Reserves?” Management Accountant (2003)
"Why should we avoid Populist Economic Policies?" Reproduced from DAWN, issues of November 9-11, 2002.
"Dealing with Non-Performing Loans of Banks" Reproduced from article published in the Daily
DAWN on October 21-22, 2002.
"Why does Pakistan have to Accumulate Foreign Reserves?" Reproduced form Daily
DAWN, Karachi: August 1, 2 and 3 2002.
Challenges Facing Pakistan”. Trade Chronicle (2001)
“Domestic Debt and its Macroeconomic
Effects”. Journal of the Institute of Bankers Pakistan
Structural Adjustment in Sub-Saharan Africa:
A Preliminary Evaluation." Paper prepared for the GCA Meeting at
Cotomou, June 1993.
"Reorientation of Nigeria's Industrial
Policies". Nigerian Enterprise, April 1985.
"Missing Links in Pakistan's Development."
Pakistan Economist, June 1982.
"A Short-Term Employment Strategy for
Pakistan." A paper prepared for Pakistan Economic Conference,
"Local Finance in Sind." Pakistan Study
Group on Local Government, November 1975.
"Food Resources in Pakistan." Pakistan Economist,
“An Appraisal of Japanese Tax System.”
Finance, Taxation and Company Law, April 1974.
“A Development Policy for Pakistan.”
Pakistan Economist, March 1973.
“Industrialization in Pakistan: Labour
Intensive vs. Capital Intensive.” Pakistan Economist,
“An Analysis of the Assumption made in the
Cornelius Report”. NIPA Journal (1969)
PAPERS PRESENTED AT CONFERENCES/
Asia: Potential for Development", Key note address
delivered at South Asian Rotary Summit held at Hyderabad, India
on May 3, 2013
"Normalizing India-Pakistan Trade
Distinguished Lecture delivered at ICRIER, New Delhi, Feb 5, 2013
Just Development", Keynote address at The Citizens
Foundation Fund raising event held at Seattle, USA, Oct 13, 2012
Future of the World Bank", Williams College Conference
on "The Future of the World Bank and the IMF" held at
Williamstown, USA, Sept 26, 2012
"Managing Macroeconomic and Monetary Policy under uncertainty",
Key note address to the participants of the Central Bank
course organized by SECAN and Bank of Japan at Manila, July 30,
"Revisiting Regulatory Regime
for the Financial Industry",
Distinguished Lecture delivered at Asian Institute of Finance,
KL, Malaysia, May 23, 2012
"Managing India-Pakistan Trade", Woodrow Wilson Center
conference, Washington DC, April 23, 2012
"Pakistan’s Governance Deficit", Seminar on Pakistan: Charting a course for Revival organized by the Friends of Europe at Brussels on Jan 26, 2012
"Reordering Economic Relations with the US", Stanford US-Pakistan Economic Dialogue held at Palo Alto on Jan 22-24, 2012
"The Role of Central Banks in Driving the Development Agenda", A paper presented at the 2nd OIC Experts Workshop organized by bank Negara Malaysia at Kulalampur Nov 13-14, 2011
Economic Integration in South Asia,
A paper presented at South
Asia Forum held at New Delhi on Sept 8, 2011
Drivers of Globalization,
Paper presented at the International Conference on Business Education held at New Delhi Feb 5-6,
Macroeconomic Reforms in Developing countries and Global Financial crisis, 50th anniversary celebrations of Center for
Development Economics, Williams College, Williamstown, USA Oct 13,
Pakistan’s Economic Prospects – Challenges and Opportunities, A paper presented at the Seminar on “Pakistan – China Relations in the 21st Century” held at Beijing on March 18, 2010
Reviewing Structural Reforms in India and Pakistan, SABER/EABER Conference, Canberra, Feb11-12, 2010
Impact of the Crisis on Poverty and Access to Finance in
Developing countries , KFW Financial sector symposium ,
Berlin Dec 2-4, 2009
Securing Development in the context of weak and Fragile states,
Opening remarks at the Learning Event jointly organized by CIDA
and Aga Khan Foundation, Canada, Ottawa, June 19, 2009
Financial Reforms and Economic Integration:
The Case of Pakistan: Presented as a Discussant at the Conference on Financial Reform and Asian Economic Integration organized by the Chinese Academy for Social Sciences at Beijing, China, on May 14-15, 2009
Micro foundations of Economic Performance in Asia:
Conference organized by NCAER/EABER at New Delhi April 3-4,
Panel on Islamic Finance: Address delivered at the
Malaysia – World Islamic Economic Forum Kuala Lumpur, May 29th
Reforming Pakistan Challenges, Strategies and Prospectus:
Lecture delivered at Institute of South Asian Studies,
Singapore, June 4 2007.
Prospects for Economic Growth and Challenges:
Presentation made at a seminar organized by South Asia Region of
the World Bank at Washington DC, August 20, 2007.
Economic Development and Poverty Alleviation:
International Seminar organized by the Institute of Strategic
and International Studies at Kualalumpur, September 3, 2007.
International Capital Flows and Development: A paper prepared for the North South Round Table Seminar held at New York on September 21, 2007.
International Capital Flows and Development: A paper prepared
for the North South Round Table Seminar held at New York on
September 21, 2007.
Risk Management for the Banking Sector in Globalizing
economy: Keynote address at South Asia Management
Forum, Dhaka, February 24-25 2007.
Pakistan Recent Economic Developments and Future Prospects:
RUSI/ IPRIO seminar on Pakistan London, April 17, 2007.
A cross-sectoral approach to Islamic finance: IFSB
Summit, Dubai, May 15-16, 2007.
Malaysia – Pakistan economic cooperation: Malaysia
– Pakistan Business Forum, Kuala Lumpur, May 27, 2007.
Transforming non-governmental organizations into regulated
Microfinance institutions at Global Microcredit Summit at
Halifax, Canada: Paper presented at a panel -
November 10-16, 2006.
Banking Sector Reforms:
Pakistan case study presented at IMF High level
seminar on Banking Sector Reforms at Toledo, Spain November 2-3,
Banking Sector Reforms – Lessons from Pakistan:
Paper presented to the Bank of Indonesia on July 04, 2006
Economic Policy Reforms in Pakistan 1999-2006:
Paper presented at the Seminar on Economic policy reforms held
at Stanford University, June 01-03, 2006
Prudential arrangements for stability and Development of Islamic
Finance: Paper presented at the Islamic Financial
Services Board Summit held at Beirut, May 17-18, 2006
Future Challenges for Islamic Financial Services Industry:
Paper presented at the World Bank Seminar on April 24, 2006
Islamic Financial Services Industry: The European Challenges
Keynote Address at the Islamic Financial Services Forum
organized by the Islamic Financial Services Board and the
Central Bank of Luxembourg at Luxembourg on November 8, 2005.
Structural Reforms In Pakistan’s Economy:
lecture delivered at the Indian Business School, Hyderabad,
India on October 7, 2005.
Global Banking: Paradigm Shift: Chairman’s
Inaugural Address at the Session on “Regulatory Issues’ held at
the International Conference organized by the Federation of
Indian Chambers of Commerce and Industry and the Indian Banking
Association at Mumbai on October 6, 2005.
Pakistan’s Development Challenges for the Coming Decade – How
can Overseas Pakistanis Help? Keynote Speech
delivered at the Pakistani Professionals Forum held in Toronto,
Canada, on October 1, 2005.
Poverty Reduction Strategy of Pakistan: Address
delivered at the Seminar on “Challenges Ahead for Pakistan’s
Economy” held by the Asia Society at the Elliott School of
International Affairs, George Washington University, D.C. on
September 27. 2005.
Pakistan’s Economic Achievements, Prospects and Challenges:
Address delivered at a seminar held at the Embassy of Pakistan,
Washington D.C. on April 15, 2005.
Education, Employment and Economic Development in Pakistan:
Inaugural Address delivered at the Conference on Education held at Woodrow Wilson Center, Washington D.C. on April 15, 2005
Pakistan’s Economic Turnaround An Untold Story
Reproduced from the Pakistan Supplement Global Agenda, World Economic Forum Annual Meeting 2005 held at Davos in January, 2005.
Future Outlook And Prospects For Pakistan’s Economy.
Address delivered at the Seminar organized by the Pakistan
Bankers Association, U.K. at London on January 17, 2005.
Pakistan’s Economic Progress since 2000: False DAWN or a
Promising Start. A Paper presented at a Seminar at
the School of Advanced and International Studies, Johns Hopkins
University, Washington D.C. on October 6, 2004.
Effectiveness of Policies and Reforms: A Country Perspective.
Remarks delivered at the World Bank OED Conference on
Effectiveness of Policies and Reforms held at Washington D.C.,
on October 4, 2004.
Economic Challenges Facing Pakistan: The Role of the United
States. A Paper presented at a Seminar at the
Center for Strategic and International Studies, Washington D.C.
on September 30, 2004.
Financial Sector Reforms in Pakistan. A Paper read
at the Italy-Pakistan Trade and Investment Conference held at
Rome on September 28, 2004.
Harmonization of the Banking Sector in SAARC Region.
Keynote address at the South Asian Federation of Accountants
Conference held in New Delhi on August 28, 2004.
Future Challenges Facing South Asian Economies.
Speech delivered at Central Bank Anniversary Lecture 2004 held
at Colombo on August 26, 2004.
Economic Development in South Asia and the Impact of
Globalization. Speech delivered at the Middle East
and South Asia Conference of KPMG held at Bahrain on July 11,
Finance, Growth and Poverty - The Experience Of Pakistan.
Presented at the World Bank PREM Conference on Growth Strategies
held at Washington D.C., on April 28, 2004.
Policy Considerations before Bank Privatization - Country
Experience Presentation made at the World Bank,
International Monetary Fund and Brookings Institution Conference
on "The Role of State-Owned Financial Institutions: Policy and
Practice" held at Washington D.C., on April 27, 2004..
The Future Prospects of The Islamic Financial Service Industry.
Presentation made at the Annual General Assembly meeting of
Islamic Financial Services Board held at Nusua Dua, Indonesia on
March 31, 2004.
Economy of Pakistan: PAST, PRESENT AND FUTURE.
Keynote address at the Conference on Islamization and the
Pakistani Economy held at the Woodrow Wilson Center, Washington,
D.C. on January 27, 2004.
What Have We Learnt From The Decade Of 1990's?
Remarks made at the Embassy of Pakistan Seminar held at
Washington D.C., on January 26, 2004.
Why Should Foreign Investors Choose Pakistan As Their
Destination? Remarks delivered at Euromoney Seminar
on Pakistan: Investment Destination held at Dubai on September
Views on Public Sector Banks: Pakistan’s Experience.
Presentation made at the the World Bank Conference on “Transforming Public Sector Banks” at Washington D.C. on April 9, 2003.
Reforms of Public Sector Banks - Case Study of Pakistan.
A paper prepared for the World Bank Conference on “Transforming
Public Sector Banks" at Washington D.C. on April 9, 2003.
Islamic Finance and Pakistan's Efforts in the Financial War on
Terrorism. A paper presented at the conference on
"The Financial War on Terrorism: The Contribution of Islamic
Banking" held at Royal United Services
Institute for Defence Studies, London on April 7-8, 2003.
Learnings from the International Conference on“Challenges to Central Banking from Globalized Financial System”
Held at the IMF in Washington D.C. September 16-17, 2002.
Economic Reforms and Macroeconomic Management in Pakistan
(1999-2001). Paper presented at
the Brookings Institution, Washington DC, Asia Society, New York
and the Institute of International Bankers, New York on 15-16
Reforming Pakistan's Economy Performance, Progress, Prospects
and Problems. Speech delivered in Washington DCI
New York on April 9, 2002.
Conditionality and Ownership.Remarks
made as a panelist at the Seminar on Conditionality and
Ownership organized by IMF, World Bank and Commonwealth
Secretariat at London on July 23-24, 2001.
Pakistan and the IMF: 1988-2002
A paper presented at the International Expert Workshop organized by the German Foundation for Development (DSE) at Berlin on July 1 – 2, 2002
Conference on Analytical Country Studies on Growth.
Summary of remarks as an invited Discussant at the at the Center
for International Development, Harvard University, Cambridge,
Massachusetts, held on April 20-21, 2001.
SBP’s Role in Promoting Microfinance Institutions.
Remarks at the Asia Pacific Micro Credit Summit held at New
Delhi on February 3, 2001.
Economic and Investment Prospects in Pakistan.
Presentation made at Adam Smith Seminar, Stockholm on October
Trade and Environment. Asian Development
Bank, Manila, May 28 - 29, 1995.
Paying for China's Infrastructure,
Conference on China's Economic Reforms. Wilton Park, Winston
House, W. Sussex, England, February 27 - March 3, 1995.
China: Recent Capital Market Developments and Lessons
from the Mexican Crisis, Resident Mission, Beijing,
February 23, 1995.
Macroeconomic aspects of Debt Management,
Harvard Institute of International Development, July 25, 1-994.
Problematique of African External Finance,
5th Conference of African Finance Ministers organized by ECA at
Libbreville, Gabon, February 1-2, 1994.
Seminars on African Adjustment Study:
Addis Ababa, January 13, 1994; Nairobi, March 16, 1994; Abidjan,
March 17, 1994; Accra, March 18, 1994; Paris, March 20, 1994;
London, March 21, 1994; Stockholm, March 23, 1994; Frankfurt,
May 16, 1994; Clermont Ferrand, May 17, 1994; Harare, May 22,
1994: New York, June 27, 1994.
ECA/OAU Seminar on African Adjustment Study,
Addis Ababa, January 14, 1994.
Has Adjustment Helped or Hurt the Poor in Africa?
Seminars on World Bank and Poverty: London, October 24, 1993;
Madrid, October 26, 1993; Paris, October 28, 1993; The Hague,
November 18, 1993; Stockholm, November 19, 1993; Brussels, May
9, 1994; Rome May 10, 1994; Dublin, May 12, 1994.
Structural Adjustment and Long-term Development:
International Conference on Adjustment at The Hague, by the
Government of Netherlands.
Trade, Aid and Investment: Royal African
Society Biennial Conference at Oxford, March 21-23, 1993.
Political Economics of Structural Adjustment - Case
Study of Nigeria: Comment on J. Herbst and Olukoshi's
paper at the World Bank Conference on Political Economy of
Structural Adjustment, held on May 4, 1992.
Capital Flows to Developing Countries:
Comments on Susan Collin's paper at the Annual Bank Conference
on Development Economics held on May I, 1992.
Regional Integration in Sub-Saharan Africa:
Comment on F. Foroutron/World Bank SEPR Conference on Regional
Integration, held on April 1-3, 1992.
Structural Adjustment in Sub-Saharan Africa:
Food Studies Group Seminar at Oxford held on March 24-26, 1992.
Adjustment and the Impact on the Poor:
EDI/ADB seminar at Abidjan, held on March 10-14, 1992.
African External Finances in the 1990s:
(Co-author J. Underwood): Global Coalition for Africa (GCA.)
first Advisory meeting, Paris, held on September 9-10, 1991.
The Debt Problem of Sub-Saharan Africa:
North-South Roundtable on African Debt, Relief, Recovery and
Demobilization - Parliamentarians for Global Action, Abidjan
held on July 8-9, 1991.
Managing Asia's External Debt: K.D.I -
A.D.B. Seminar, Seoul, held on May 14-17, 1991.
External Debt Structural Adjustment and Development:
UNCTC Workshop on Debt and External Resource Mobilization and
Management at Antigua, held on October 22-24, 1990.
External Debt and Development Process:
UNITAR-EADB Workshop on Debt Management at Kampala and
Dar-Es-Salam, held on January 1990.
Borrowings from the World Bank: Kenya
Treasury - World Bank Debt Management Seminar, Nairobi, held on
Organizing for Efficient Debt Management:
World Bank Debt Systems Conference, Paris, held on April 1989.
Fiscal Policy and External Debt: Arab
Monetary Fund, Abu Dhabi, held in March 1989.
Developing Countries Debt - Trends and Prospects:
(with J. Baneth): Japan Center for International Finance, Tokyo,
held in February 1989.
Nigeria's Need for Economic Policy
Reforms: - at the Annual Conference of the Senior
Managers of the United Africa Company, Lagos, held on November
The Role of International Financial
Institutions: - at the National Debate on IMF Loan -
held by Chase Merchant Bank, Lagos, held on September 25, 1987.
Priorities and Incentives for
Agriculture in Nigeria: at the Seminar on Nigeria's
Economic Recovery - held by the Nigerian-American Chamber of
Commerce and the African-American Institute held on September
Current Economic Situation:
Donors Meeting at Lagos held on September 17, 1987.
Nigeria and the IMF Loan:
Luncheon Meeting of the Executive Directors of UAC (Nigeria),
Lagos, held on September 16, 1987.
Rural Development in Less Developed
Countries: The Nigerian Experience: Keynote address at
the Nigerian Association of Masters of Business Administration
Lecture series, Lagos, held on May 16, 1987.
Debt Rescheduling and the World
Bank: South Conference on Nigeria: Prospects and
Possibilities, London, held on March 30-31, 1987.
Prospects for Agriculture Exports in
the Medium-Term: Nigerian-American Chamber of Commerce
Seminar, Enugu, held on March 18, 1987.
Challenges and Opportunities for
industrial Development in Nigeria: Henry Fajemirokun
Memorial Lecture, N.I.I.A., Lagos, held on March 12, 1987.
International Organizations and
Nigeria's Agriculture Development: Fifth Annual Lecture
by Agriculture and Rural Management Training Institute (ARMTI),
Ilorin held on February 21, 1987.
Global Economy and Nigeria:
at Senior Managers' Conference of the International Bank for
West Africa (IBWA), Lagos held on February 13, 1987.
Economic Outlook for Nigeria:
at Senior Managers' Conference of the Nigerian National
Petroleum Corporation (NNPC), Lagos held on January 30, 1987.
1987 Budget: An Overview at
the Budget Seminar organized by Arthur Andersen & Co., Lagos,
held on January 1987.
An Overview of Public Finance:
National Workshop on Public Expenditure programming in Nigeria
at Ibadan - organized by NCEMA, Federal Ministry of National
Planning held on December 2, 1986.
Essential Drugs: Federal
Ministry of Health Workshop on Essential Drugs, Lagos, held on
December I, 1986.
Opportunities and Strategies for Financing and Marketing Lagos
Chamber of Commerce Seminar, Lagos, (October 12, 1986).
The Experience of World Bank in Oil
Palm Development in Various States: International
Conference on Oil Palm, Port Harcourt held on October 11, 1986.
Health Care Financing:
Nigerian Medical Association, Lagos, held on September 17, 1986.
Prospects for Nigerian Economy:
International Advertising Association Luncheon, Lagos, held on
September 11, 1986.
Primary Health Care Financing:
Workshop on Primary Health Care by the Federal Ministry of
Health at Ibadan, held on July 8, 1986.
Export Drive and Counter-Trade: The
Microeconomic Perspective: Eko Holiday Inn Gold Medal
Series, Lagos, held on March 14, 1986.
Agriculture Development Projects in
Nigeria: Recent Experience and Lessons for Future:
Nigerian-Arab Bank Seminar on Finance, Abeokuta, held on
February 14, 1986.
Monitoring and Evaluation in
Agriculture Projects: at the ARMTI Workshop for Senior
Managers, Ilorin, held on November 6, 1985.
Options for Resuming Nigeria's Economic Growth:
at the Lagos Chamber of Commerce and the National Association of
Chambers of Commerce, Lagos, held on September 11, 1985.
Outlook for Nigerian Economic
Situation in the Medium-Term: at the Business
International Nigeria Group Meeting, Lagos, held on June 12-13,
World Bank and Nigeria’s Agriculture
Development: at the National Conference on Conference
on Village Adoption Scheme, Nsukka, held on June 4, 1985.
Public Enterprises in Select African
Countries: Lessons of Experience: at the Annual
Conference of Chief Executives of Nigerian Public Enterprises,
Jos held on May 29, 1985.
Prospects for Agriculture
Development in Nigeria: Guest Lecture at the Annual
Conference of the Nigerian Economics Students Association April
Reorientation of Industrial Policy
in Nigeria: Keynote Address at the Association of
Nigerian Development Finance Institutions Conference, Lagos,
held on March 7, 1985.
Population and Development
at the World Development Report Launching Seminar at Lagos, held
on October 23, 1984.
Strategies for the Development of
Small Scale Industries at the Annual Conference of the
Institute of Management Consultants of Nigeria, Lagos, held on
July 13, 1984.
Management for Development
at the University of Ife Seminar on World Development Report
held on June 6-7, 1984.
"Microfinance for Inclusive Growth", Key note address at
Microfinance Summit held at Islamabad, July 9, 2013
"The Impact of Euro Crisis on SAARC countries", Key note
address delivered at SAARC Governors Symposium held at Islamabad
on June 18, 2013
agenda for Reviving Islamic Finance" , Key note address
at Global Forum on Islamic Finance organized by COMSATS
Institute at Islamabad on March 13, 2013
"Economic Reforms in Pakistan
– One Step Forward , Two Steps Backward", Quaid-e
Lecture delivered at the Annual Conference of the Pakistan
Society for Development Economists held at Islamabad, Nov 15,
"Impact of Privatization on Sustainable Development", Keynote address at KESC
Thought Leaders Forum held at Karachi on September 13, 2012
"Positioning Capital markets for Emerging companies",
Pakistan IPO Summit , Karachi, July 14,2012
Pakistan Institute of Corporate
Governance Seminar on Corporate Governance Karachi, July 12,
Public Sector Services
to Local Delivery", Lahore School of Economics Annual
Conference, Lahore, May 17, 2012
Society, Science and Technology", Keynote address at the
International Conference on Management, UMT, Lahore, March 28,
Productivity and Economic Development", Key note address at DAWN Agri Pak Conference held at Karachi on Feb 11, 2012
Paper read at the SDPI Fourteenth Annual Conference held at
Islamabad on Dec 13, 2011
The Role of Contractual Savings in Pakistan’s Economy, Pakistan Insurance and Takaful Conference held at Karachi on Sept 6, 2011
Civil Service Reform in Pakistan, International Conference on Growth, Planning Commission, Islamabad July 13, 2011
Delineating Roles within the Sector,, Key note address at Microfinance Network
Roundtable held at Islamabad on July 8, 2011
Models of Local Democracy within a Federal System,
Commonwealth Local Government Forum held at Karachi on July 6,
Environment for Entrepreneurship", Opening remarks at
the INSEAD Alumni Association Conference at Karachi, May 7, 2011
Growth and Intellectual Property", Address at the
World Intellectual Property Day Islamabad, April 26, 2011
Long term Economic Direction and Consistency of Economic policies, Lecture delivered at Applied economics Research centre Karachi March1, 2011
2009 Pay and Commission report, Lecture delivered at National Management College, Lahore Feb 25, 2011
Innovation, Creativity and
Entrepreneurship, Key note address at MIT Enterprise Forum held at Karachi on Dec 11, 2010
Pakistan's Economy and the Impacy of Flood,
The World in 2011 Jang Group/ The Economist
Acumen Fund Pakistan,
Key note address delivered at the Annual Community Gathering of Acumen Fund held at Karachi on Dec 4, 2010
East and Central Europe:
The Impact of 2008-09 Global Financial Crisis,
University of Karachi on November 24-25, 2010
Managing Government-Business relation in Pakistan, Management Association of Pakistan, Karachi Nov 23, 2010
Institutions for Market Governance and Doing Business, Private Sector Task force, Islamabad Oct 29, 2010
Economic stability and Growth, Command and Staff college, Quetta Oct 21, 2010
Pakistan’s Economic challenges and the present Economic framework, National Defence University, Islamabad Oct 18, 2010
Economic challenges for Post flood Economy, Jinnah Institute Conference, Islamabad Sept 23, 2010
Trade and Human Development, Keynote address at the
Launching ceremony of Human development in South Asia Report
2009, Lahore, June 29, 2010
Islam and the Future of Economics, Keynote address at
the Conference on Islamic Banking and Finance, Karachi, June
Business in new environment, Keynote address at the CFO
Conference organized by the ICAP, Karachi, March 11, 2010
Pakistan Economy: Challenges and Prospects: Invited address at the Command and Staff College, Quetta on Sept 4, 2009
Economic policies under Shoaib: Delivered as Shoaib Memorial Lecture at ICMAP at Karachi on August 10, 2009
Recent Privatizations in Pakistan and their impact: Address delivered at the Conference on privatization organized by the Privatization Commission at Islamabad on July 3, 2009
Technology and Poverty reduction: Key note address delivered at the Launching ceremony of Human Development Report South Asia at Islamabad on July 2, 2009
Pakstan Experience with the IMF: A paper presented at IBA Conference on Pakistan Economy and the IMF held at Karachi on May 31, 2009
From Global Financial Meltdown to Global Economic Crisis: Chief guest’s key note addressed at the Seminar organized by Institute of Cost and Management Accountants (ICMAP) held at Karachi on Feb. 6, 2009
Global Financial Meltdown: Genesis, Consequences and Lessons: Seminar organized by the Institute of Chartered Accountants of Pakistan (ICAP) at Karachi on October 23, 2008
Pakistan’s growth experience 1947-2007 (2008)
Paper presented at Conference
on Pakistan economy organized by NDU at Islamabad Nov. 4, 2008.
Public policy and Social Sciences:
at GCU Conference on the State of Social Sciences held at Lahore
March 27, 2008.
Evolution of Islamic Finance:
Global Growth (2007)
Perils to Pakistan’s competiveness (2007)
Islamic Finance, Inclusive, Growth and Poverty Alleviation:
Keynote address at the 3rd
Annual International Conference on Islamic Banking organized by
Islamic Capital Partner, Karachi, November 7, 2007
Regional Cooperation in Asia Options for Pakistan:
address at the International Seminar on Regional Cooperation in
Asia organized by the Islamabad Policy Research Institute and
Hans Seidel Foundation at Islamabad, September 6, 2007.
Approach to Civil Service Reform: Paper prepared
for discussion with the 87th National Management Course participants
at National Management College, Lahore, September 13, 2007.
Trade Liberalization, Economic Growth and Poverty Reduction:
Keynote address at National Seminar on Trade and
Growth Linkage organized by Quaid-e-Azam University at Islamabad,
June 27, 2007.
Reforming the Government in Pakistan Rationale, Principles and
Proposed Approach Keynote address
at the Annual Conference on Management of Pakistani Economy,
Lahore School of Economics, May 2, 2007.
Poverty in South Asia Seminar: The Tyranny of Measurement and
Crisis of Governance Mehboob ul Haq Human Development
Centre, Islamabad, May 26, 2007.
Broad Based Strategy for Overseas Pakistanis in the Development
of Pakistan Overseas Pakistanis Investment Conference,
Islamabad, March 5, 2007.
Prospects for Japanese Investors in Pakistan
note address at the Joint Business Dialogues between PJBF &
JPBCC at Karachi on 24th January, 2007.
Role of Civil Bureaucracy in Socio-Political Context
of Pakistan Lecture delivered at the National Defense
College, Islamabad on November 20, 2006.
Development of Asian Bond Markets. Keynote address
at the Asia Consultative Group Annual General Meeting at Karachi
on November 9, 2006.
Islamic Financial Markets: Positioned for Growth
At 2nd Islamic Banking and Money Market Conference at Karachi
November 8, 2006.
Approaches to Government Reforms. Lecture
delivered at the 85th National Management Course of Pakistan
Administrative Staff College at Lahore on October 18, 2006.
Globalization Challenges to Pakistan Economy:
delivered at Foreign Service Academy, Islamabad on October 9,
The Future of Kashf: Paper presented at the 10th
anniversary celebration of Kashf Foundation held at Lahore on
September 4, 2006.
Human Security and Governance: Chief Guest
address at the launching of Human Development in South Asia
Report 2006 held at Islamabad on August 30, 2006.
Why do we fear Globalization? Chief Guest
address at the SPDC – DFID seminar held at Lahore on July
Economy of Pakistan and Impact of Earthquake on GDP
Growth: Speech delivered to the officers of Lahore
Garrison organized by the 4 Corps Hqrs, Lahore on July 15, 2006.
The Perils Of Higher Skill Shortages For Pakistan’s Economy
- What Can We Do About It? Chief Guest Address
at the Prize Distribution Ceremony of the Institute of Bankers,
Pakistan held at Karachi on November 26, 2005.
Monetary-Cum-Exchange Rate Regime - What Works Best For Emerging
Market Economies? Keynote Address at the SBP Conference
on Monetary-cum-Exchange Rate Regime held at Karachi on 14 November,
Culture, Ethics and Values in the Banking System: Presidential address at the 55th Annual General Meeting of the institutes of Bankers of Pakistan held at Karachi on September 17, 2005.
Why Privatization is necessary for Economic Growth in Pakistan.
Address as Chief Guest at the 11th Get Together of the Overseas
Universities Alumni Club and the 21st Century Business &
Economics Club on August 12, 2005 at Karachi.
What is happening to Pakistan’s External Sector?
Lecture delivered at the 82nd National Management Course of
Pakistan Administrative Staff College at Lahore on June 21,
Pakistan’s Budget for 2005-06 : Links with Strategic Framework.
Presidential Address delivered at the Budget Breakfast Forum
organized by the Institute of Bankers, Pakistan at Karachi on
June 8, 2005.
The Health Challenge in Pakistan: Prognosis and Prescription.
Chief Guest Address at the Launching of Human Development Report
of South Asia organized by Mahbubul Haq Center for Human Development
at Islamabad on May 30, 2005.
Distributing Benefits of Growth to the Majority.
Presidential Address at the Pre-Budget Seminar held by Pakistan
Observer at Islamabad on May 28, 2005.
National Economy and Impact of Foreign Aid.
Lecture delivered at No. 18 Air War College, Karachi on May
34th Annual Meeting of the Board of Directors of the Asian Clearing
Welcome Address delivered at the Inaugural Ceremony held at
Lahore on May 16, 2005.
SME Financing: Issues and Strategies.
Welcome Address at the Conference
of SME Financing held in Lahore on May 10, 2005.
Globalization, Regional Integration and National Development:
Where does South Asia Stand? Inaugural Address
delivered at the Valedictory Session of the South Asian Federation
of Accountants held at Karachi on May 6, 2005.
Sustainable Growth in Financial Sector of Pakistan.
Address as Chief Guest at the Symposium organized by the Public
Relations Management Group at Karachi on April 29, 2005.
Key Issues in Managing Pakistan’s Economy:
Inaugural Address delivered at the Seminar organized by the
Lahore School of Economics, Lahore on April 28, 2005.
Financing Human Development in Pakistan: Address
delivered at the Pakistan Development Forum held in Islamabad
on April 25, 2005.
Pre-Budget Conference: Address as Chief Guest
at the Conference held in Karachi on April 9, 2005.
Economic Cooperation in Asia:
Chairman’s Address at the High Level Seminar organized
on the occasion of the Asian Cooperation Dialogue held at Islamabad
on April 5, 2005.
Progress and Prospects on Anti-Money Laundering:
Welcome Speech delivered at Seminar on Anti-Money Laundering
held at Islamabad on March 29, 2005.
Economy of Pakistan: An Overview. Keynote address
delivered at the Expo 2005 Conference held at Karachi on February
Corporate Governance in the Financial Sector:
Chairman’s Address at the Seminar organized by the Institute
of Business Administration (IBA) at Karachi on January 28, 2005.
Unleashing Entrepreneurship: Address as the Chief
Guest at the Launching of UN Secretary General’s Report
held at Karachi on December 28, 2004.
Global Partnership for Development: Address as
the Chairman at the Plenary Session of the First International
Conference on Volunteerism and Millennium Development held at
Islamabad on December 7, 2004.
Comparison of Pakistani Economy with Asian Economies:
Keynote address delivered at the 12th General Council and General
Body Meeting of the Asia Oceania Tax Consultants Association
held at Karachi on November 26, 2004.
Pakistan Financial Sector: A Roadmap for 2005-2010.
Keynote address delivered at the 54th Annual General Meeting
of the Institute of Bankers, Pakistan held at Karachi on October
Fostering Good Corporate Governance. Address as
the Chief Guest at Best Corporate Reports Award Ceremony organized
jointly by the Institute of Chartered Accountants of Pakistan
and the Institute of Cost and Management Accountants of Pakistan
held at Karachi on August 12, 2004.
Developing Human Resources for the Financial Sector.
Key note address delivered at the Launching of Masters in Banking
Services Degree Program at the University of Faisalabad, held
at Faisalabad on August 11, 2004.
Vision for Pakistan’s Financial Service Industry.
Address as the Chief Guest at the Ceremony to announce the Joint
Venture Partnership between BMA Capital and Abraaj Capital held
at Karachi on July 29, 2004.
Reducing Poverty or Redistributing Income? Inaugural
address at the Pre-Budget Seminar held by The Nation at Lahore
on May 26, 2004.
Sustainability of Pakistan's Economic Fundamentals.
Speech delivered at the Oil and Gas Conference 2004 held
at Islamabad on May 3, 2004.
Why Lend to Small and Medium Enterprises? Inaugural
address at the IFC sponsored Training Workshop for SME Lending
held at the Institute of Bankers, Pakistan held at Karachi on
April 12, 2004.
Marketing Pakistan’s Image. Speech delivered
at the Rotoract Club held at Karachi on April 12, 2004.
Financial Sector in Pakistan – The Way Forward.
at the Forty-Ninth Annual General Meeting Institute of Bankers,
Pakistan held on March 25, 2004.
Financing For Infrastructure Projects. A paper
presented at the Pakistan Development Forum held at Islamabad
on March 19, 2004.
Foreign Reserves and the Common Man. A paper presented
at Pakistan Administrative Staff College on March 11, 2004.
Why Pakistan should exit the IMF Programme? Reproduced from article published in the Daily
DAWN on February 29, and March 1, 2004.
Financial Sector Reforms and Pro-Poor Growth:
Study of Pakistan. Speech delivered at the 53rd
Annual General Meeting of the Institute of Bankers of Pakistan
held at Karachi on February 21, 2004.
Lessons for Poverty Reduction – The Experience of Aga
Khan Rural Support Programme. Keynote Address delivered
at the International Conference on Lessons in Development –
The Experience of AKRSP held at Islamabad on December 15, 2003.
Banking Sector Developments, Challenges and Opportunities.
Keynote address at IBC Gulf Conference - Investing in Pakistan
at Islamabad on December 9, 2003.
Industrial Competitiveness: Bench Marking Pakistan.
Opening remarks at the Pakistan's Resident Mission - Asian Development
Bank Institute High Policy Forum held at Karachi on November
SME Financing - Issue and Prospects. Keynote address
at the SMEDA-IBP seminar on "Issue of SME Financing"
held at Lahore on October 24, 2003.
Human Resource Management in Practice – A Case Study of
State Bank of Pakistan. Address at the National
Conference on Human Resources held at Karachi on October, 18,
Development Strategy of Punjab.
at the Punjab Development Forum, Lahore, on September 16, 2003.
Housing Finance in Pakistan: Progress, Prospects and Problems.
Keynote Address on the occasion of Housing Finance Workshop
organized by the World Bank and International Finance Corporation
at Karachi on August 20, 2003.
An Analysis of the Bank's Write-off (1999-2003).
Institute of Bankers, Pakistan, Prize Award Ceremony held at
Karachi on July 26, 2003.
Seminar Exhibition on Technological Innovation in the financial sector.
Changing Paradigms of Capacity Building. Keynote
Address at the International Congress on Human Resources held
at Islamabad on June 7, 2003.
Governor's Interview to APP News Agency on 20th June, 2003.
What does Continuity of Reforms mean? A paper
presented at the PILDAT Legislative Workshop on Budget process
held at Islamabad on May 27, 2003.
Pakistan's Export Competitiveness in Global Market Global Market.
A paper presented at the Seminar on Export-led
Growth Strategy organized by the Export Promotion Bureau held
at Lahore on May 27, 2003.
Financial Sector Reforms – Presentation made
at the Pakistan Development Forum 2003 held in Islamabad on
May 14, 2003.
Role of Islamic Finance. Islamic Fianace & Pakistan efforts in the financial war on Terrorism on
Aprl 23, 2003.
Conceptual Design of Poverty Reduction Strategy in Pakistan.
Symposium of Pro-Poor Policies held at Islamabad on March 17,
Strategy for Development of Microfinance in Pakistan.
Remarks delivered as Chief Guest at the launching ceremony of
the Financial Sector strengthening program of the Swiss Agency
for Development and Cooperation held at Islamabad on February
A Fair, Equitable and Efficient Tax System for Pakistan.
Concluding remarks at the National Conference on Tax Culture
under the auspices of Income Tax Bar Association held at Karachi
on February 22, 2003.
The Role of The Private Sector And Government In Pakistan's
Economic Development. Convocation Address at The
Institute Of Business Management, Bahauddin Zakariya University,
Multan held on February 4, 2003.
Pakistan Economic Horizons, 2003 And Beyond. Closing
Remarks at The Daily Times Seminar held at Karachi, on January
Regulatory Strategy of State Bank of Pakistan.Comments on the paper delivered by Dr. Mohsin S. Khan as Quaid e Azam lecture at the 18th Annual General Meeting of Pakistan Society of Development Economists held at Islamabad on 15th January 2003.
Pakistan Poverty Assessment. Concluding remarks
at the World Bank Seminar held at Karachi on January 7, 2003.
Housing Finance. Welcome Address on the occasion
of the inauguration of Housing Finance Conference at Karachi
on December 11, 2002.
Why should we avoid Populist Economic Policies?
Reproduced from DAWN, issues of November
Dealing with Non-Performing Loans of Banks.
Reproduced from article published in the Daily DAWN on October 21-22, 2002
Pakistan to issue Govt. Bonds Quaterly - Central Banks.
By Saeed Azhar Of DOW JONES NEWSWIRES
INTERVIEW: Pakistan Ctrl Bk -2: Comfortable Reserves
By Saeed Azhar Of DOW JONES NEWSWIRES
Banking Sector Reforms -Current Status And Future Prospects
(Presidential Address at the Seminar organized by Management
Association of Pakistan at Lahore held on August 31, 2002.
Why does Pakistan have to Accumulate Foreign
form Daily DAWN, Karachi: August 1, 2 and 3, 2002.
Agriculture Sector Development: Problems and Issues.
Inaugural address at the Financial Sector Conference on
Agriculture Organized by ADBP at Karachi on June 28, 2002.
Is The State Bank of Pakistan doing its Job?
address at the Pre-Budget Seminar organized by "The Nation"
at Lahore on June 10, 2002.
In PTV "News Nite" Programme of May 15, 2002.
Strategy for External Debt Management 1999 – 2004.
Address at the Institute of Bankers March 2, 2002.
Bankruptcy Law. Keynote address at the Seminar
organized by the Federation of Pakistan Chamber of Commerce
and Industry at Karachi on Monday, January 28, 2002.
Developing the SME Sector in Pakistan. Concluding
address at the Habib Bank Seminar on 'Small and Medium Enterprises'
held at Karachi on January 15, 2002.
Comments on the paper Debt, Growth, Poverty in International Monetary System by Prof. Robert Mundell: at the Annual Meeting of Pakistan Society for Development Economists held at Islamabad on January 14, 2002.
How is Pakistan Positioning itself for Challenges of Globalization?
Paper presented at the Launch ceremony of 'Human Development
in South Asia 2001 Report' by the Mahbub ul Haq Human Development
Centre on October 29, 2001.
Why Perceptions about Pakistani Economy Differ?
Address at the English Speaking Union on July 5, 2001.
Pakistan’s Development Challenges. Address
at the Mahbub ul Haq Memorial Seminar, Human Development Centre
held at Islamabad on July 16, 2001.
Inaugural dinner of PICIC Commercial Bank.
Address at the Inaugural Dinner of PICIC Commercial Bank On June 29, 2001.
The Role Of Modarabas In Pakistan's Financial Sector.
Keynote Address at the Seminar held by Modaraba Association
of Pakistan held at Karachi on June 27, 2001.
Macro Picture of the Budget 2000-01. Speech At
The Post-Budget Seminar Organized By The Institute Of Chartered
And Management Accountants On June 23, 2001.
The Role of Regulators Globally in Promoting Ethical Standards.
Address at Financial Market Association seminar held at PC Karachi
on June 14, 2001.
Economic Ties between China and Pakistan. Keynote
address at the Pakistan Institute of International Affairs Seminar
on Pakistan-China held at Karachi on May 30, 2001.
The State of the Financial Sector in Pakistan.
Speech delivered at the 50th Annual General Meeting of the Institute
of Bankers in Pakistan held on February 24, 2001.
Towards a Strategy for Employment Oriented Human Development.
Address November 25, 2000.
Strengthening the Leasing Sector. Address at the
International Conference on Small and Micro Leasing held at
Karachi on November 2, 2000.
Making Pakistan Bankable – Country S.W.O.T. Analysis.
Presentation made at Oil & Gas Conference held at Islamabad
on October 24, 2000.
Economic Prospects and Challenges in Pakistan.
Presentation made at the Z.A. Bhutto Institute of Science &
Technology on October 12, 2000.
Pakistan’s Balance of Payments. Presentation
made at Oil & Gas Conference - 2000 held at Islamabad on
October 10, 2000.
Making Globalization Work for the Poor – Case Study of
Pakistan. A Paper presented at the Seminar on EMP-CIDA
Globalization Project launch workshop held at Lahore University
of Management Sciences, Lahore on July 17, 2000.
Impact of Globalization on Poverty in Pakistan.
A Paper read at Mahbub ul Haq Memorial Seminar, Mahbub ul Haq
Human Development Centre held at Islamabad on July 15, 2000.
Economic Challenges Facing Pakistan. A lecture
delivered at the Center for Development and Democracy held at
Karachi on January 19, 2000.
Seminar/Exhibition on Technological Innovation in the
Inaugural Address at the CSP Certification and Accreditation of
IT Professionals held at Karachi
Financial Sector in Pakistan: The Way Forward. Address at the Forty Ninth Annual General Meeting of Institue of Bankers, Pakistan held at Karachi on March 25, 2000.