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Mr. Zafar Masud is a seasoned banker and entrepreneur, bringing with him 27 years of proven track record of success and delivery in Banking, entrepreneurship, Development Finance and Corporate Governance. He has diverse experience and has been engaged at top positions for multinational banks within and outside Pakistan; including American Express Bank, CitiBank, Dubai Islamic Bank. His last assignment out of Pakistan was with Barclays Bank PLC, where he was Regional Managing Director & CEO for Southern Africa, managing total balance sheet of US$3Bn and around 10,000 people. Mr. Zafar Masud has contributed in the revitalisation & transformation of National Savings, Ministry of Finance, where he remained as Director General till 2018. He was instrumental in initiating a digital transformation of the organization, including online banking and ATM Cards with the support of Gates Foundation, DfID and World Bank. During his tenure, he successfully included differently abled persons and Shuhadah’s Families in welfare products of National Savings and set in motion launch of Overseas Pakistanis Savings Certificates. He has also worked as CEO (Interim) for InfraZamin Pakistan - a DfID, UK driven initiative - the first of its kind credit enhancement company for social infrastructure financing in Pakistan. In addition to serving as member Independent Monitory Policy Committee, he has served as Director in Boards of major public and private sector entities including State Bank of Pakistan, Oil & Gas Development Company Limited, Port Qasim Authority, Quaid-e-Azam Thermal Power (Private) Limited and Gadoon Textile Mills Limited. He has remained a member of the IMF motivated Task Force on Framing SOE Law, set-up by the Ministry of Finance. Mr. Zafar Masud joined The Bank of Punjab as President & CEO in April 2020 where he heads a network of 636 branches including 104 Islamic banking branches. He is spearheading a huge transformation and progression drive for the bank to move towards an agile digitally abled progressive national bank with positioning in the top banks’ tier. In May 2020, he miraculously survived the PK8303 airplane crash in Karachi. Mr. Masud is a regular contributor to the local media on the topics of finance, economics and energy and has also published a book on these topics.