AHMED SHAH DURRANI (+92) 3112553331  ahmedsdurrani@yahoo.

com

House 2/1, St 22, Khayaban e Tanzeem, Phase 5, Karachi

BUSINESS HEAD / SENIOR EXECUTIVE (SEVP) - BANKING

Franchise building | Retail & SME | Digital transformation | Strategic conceptualization & implementation |
Project management & delivery | Team building & management | Distribution & Sales | Governance & Compliance | In-
depth understanding of customer segments | Positioning/re-branding & turnarounds | Marketing & brand strategies |
Innovative product development | Financial inclusivity | Wealth & job creation

Creative, goal-oriented senior executive with multiple years’ experience of delivering complex and tailored Segments, Sales and Marketing
solutions to mid-to-large market consumer businesses in major emerging markets in Asia, Middle East & Africa, with annual revenues from $15Mn to
$250Mn. Highly-skilled in developing and leading successful large multicultural sales and operations teams. Proven success in start-ups, driving
sales, profitability and market share growth in a controlled environment. Holds an MBA and previous employers include: Citibank, ANB, Al Rajhi
Bank, Standard Chartered Bank, BOP and Barclays Bank. In addition, had the distinct honor of serving in the Armed forces of Pakistan

 Implementation of a cultural transformation strategy aligned to a vision of being the largest Retail and SME bank in Punjab via fast track
growth with focus on optimized reach, latest servicing models, operational excellence, strong compliance environment resulting in sustainable
top line growth with close monitoring of costs to ensure shareholders profitability and building brand image

 Digitalization & Financial inclusivity agenda with clear objectives of transformation and rapid expansion of digital channels with focus on
B2B, P2P, G2P and P2G payments and migration of existing clients onto low cost channels in addition to driving financial inclusivity

 Optimization of channels/branches via a strategic focus on restructuring of the operating sales and service model delivering exceptional
sales/service and network optimization improving branch profitability by 25% in terms of CIR and an increase productivity of 48% in addition
to raised staff satisfaction scores to 95%

 Formulated a 3 years’ wealth management & product strategy resulting in revenue growth from $18M to $40M (liabilities) and $9M to
$28M (premier banking) through balance sheet growth of $1.10Bn and quadrupling the premier/business banking client base from 3,800 to
15,000

 Grew the wealth management business into the largest distributor of 3rd party wealth products in Pakistan with investment AUM’s growth
from $28Mn to $130Mn and insurance sales premium from $ 12Mn to $72Mn resulting in revenue growth from $ 0.9Mn to $10.0Mn in a year

 Played a lead role as a member of the integration team of Union Bank acquisition by Standard Chartered Bank in 2006

In summary, a strategic leader recognized for economic value-creation, on time execution, and problem solving with a rare ability to function
effectively on a strategic and tactical level simultaneously; delivering results in a local/global vision while applying meticulous attention to detail

EXPERIENCE AND ACHIEVEMENTS

Habib Metro Bank, Pakistan 2019 - to date

Head Retail, SME & Digital Banking

 Managing the Retail Bank comprising of over 325 and nearly 4,000 employees including business, sales and operations

 Responsible to devise and implement an SME business strategy to help integrate/optimize the distribution network and drive assets growth

 Develop and launch the consumer banking business to strengthen Retail product suite for enhanced X-sell and profitability

 Define the sales and service framework for the retail segment with the key focus driving NTB acquisitions, multiproduct sales capability and
client segmentation resulting in a reduction in COF’s, branch level profitability and optimized cost.

 Develop a 5 year evolving Digital banking strategy for the entire bank with enhancing product/channel capabilities leading to a formation of a
standalone Digital Bank in the future.

 Embedment of a robust and sustainable operations and compliance culture with major focus on building an efficient governance framework
and tools to ensure a strong controlled environment mitigating risks associated with all the businesses while growing substantially

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AHMED SHAH DURRANI (+92) 3112553331  ahmedsdurrani@yahoo.com

Results:

 Rolled out a new branch banking structure including a 400 staff sales team in 6 months with over 60% of Headcount utilized internally through
redefining of branch structures, roles and responsibilities. Early results has shown a CASA growth of 24% in YTD 2020

 Enhanced banks branch reach by opening 50 new branches in a record time with completely new branch branding guidelines.

 Developed and submitted the 5-year Digital strategy to the BOD with clear implementation road map with 5 major projects already
underway/completed including NFC capability, 3D secure, a brand new Call Center solution (C-Square) and a new corporate banking portal

 Launched multiple initiatives to create a multiproduct sales approach to enhance profitability both in NII and NFI with major contributors to be
Banc assurance (up 100% MoM run rate), Debit cards, Mobile banking, SMS alerts & E-statements.

 Invested heavily in operational processes through restructuring and re-engineering to drive efficiencies and reduce costs across the network.
Such as the realignment of operational staff vs. sales (targeted ratio 45% to 55%), the focus on cash management (cash on hand Avg
reduction by 2.5Bn in 6 months), reduction in branch on counter transactions, centralizing non cash transactions etc.

Bank of Punjab, Pakistan 2015 - 2019

Group Head Retail Banking, SME & Payment Services Division

 Managing the Retail Bank comprising of over 480 branches across 300 cities and nearly 5,000 employees including business, sales and
operational staff

 Managing, growing and servicing a portfolio of 1.5Mn customers with total liabilities of over 500.0Bn Rps and assets of 10.0Bn Rps across
Retail, SME, Government sector and Payment services in addition to complete P&L, operations, audit and business development responsibility

 Relaunch the Payment services division with the state of the art ADC solutions and branchless banking through a very focused strategy of
leveraging of the banks local positioning driving financial inclusivity and client migration to lower cost channels

Results:

 Implementation of a comprehensive people agenda program driving a cultural change at a grass root level. Major contributors included:
creation of internal career growth opportunities, formulation of a quality Retail/SME and Payments team, embedment of a robust performance
management framework, resulting in Avg balances growth of over 21%/annum (growth of Rps 220Bn in liabilities with a reduced COF’s from
6.0% to 3.6% and 10.0Bn in assets)

 Developed and embedded new channels related initiatives such as the introduction of the smart branch concept and the upgradation of the
branch network in terms of look and feel (opened over 160 branches with 96% branches ahead of plan with 150% of projected deposits and
profitability), installed 200 new ATM’s, introduced Q-matic's and became the first bank in Pakistan to adopt corporate wear

 Major focus on digital channels resulting in Rps 800Mn from 125Mn in revenue in just 2 years via Branchless banking (Grew the collections and
payments volume to Rps 100Bn/annum via mega G2P/P2G projects such as the Kissan program, Apna Roozgar scheme, Khidmat card, NADRA
BOR & PRA collections), became the second bank in Pakistan to get a treasury license for collection of Government receipts after NBP.
Launched Mobile banking with over 75K subscriptions to date

 Worked on embedding a strong compliance culture through major initiatives such as: Implementation of a revised Governance framework,
introduced new compliance and audit related roles with very clear KPI’s to ensure a strong compliance environment, worked closely with
country Compliance in implementing a new KYC/AML system, re-engineered multiple processes, developed detailed dashboards to ensure
timely execution and closure of internal/external audit related issues (140K SBP audit instances in 2015 reduced to only 4,000 in 2017) and
drove major awareness campaigns/trainings

Barclays Bank, Egypt 2012 - 2015

Branch Banking/Customer Network Director

 Managing Barclays Bank Egypt largest sales and service channel comprising of 64 branches across 20 cities with 34 premier centers and 554
employees including sales and operations.

 Managing and servicing a portfolio of 200K customers with total footings of $2.1Bn across major segments Premier, Business banking and
Retail in addition to complete P&L, operations and business development responsibility.

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AHMED SHAH DURRANI (+92) 3112553331  ahmedsdurrani@yahoo.com
Results:

 Re-energized the branch network through implementation of strategic program targeted at driving productivity. Major contributors, were
restructuring, operational efficiency through process re-engineering, revamping of the front end compensation model’s including the first
variable compensation plan across Barclays Africa, resulting in the highest ever EOS scores

 Developed and embedded a robust sales management process to induce a multi-product sales culture resulting in an increase productivity of
48%. Post Egypt success the model was rolled out across 13 consumer businesses across Africa

 Drove channel optimization through restructuring of the operating sales and service model primarily resulting in re-alignment of resources
towards delivering exceptional sales/service and network optimization in line with target market segments and geographical footprint improving
branch profitability by 20% in terms of CIR

 Passed the Barclays Group BIA in 2014 with satisfactory rating and nominated as best branch network across Africa with a task to transfer best
practices across other geographies

Barclays Bank, Egypt 2008 - 2011

Head of Retail Products, Premier Banking, & Country Marketing

 Managing Premier Banking & Liabilities with prime focus on sales/x-sell of deposits, Investments, Insurance, Cards & Assets with additional
responsibility of Country Head of Marketing

 Drive returns, increase market share and client’s share of wallet in-line with the strategic direction of the Bank and BA Africa region, through
value proposition enhancement for affluent and business banking clients

Standard Chartered Bank, Pakistan 2006 - 2008

General Manager Wealth Management

 Initially assumed function of Head of Priority Banking & Investment Services and subsequently was promoted to General Manager (Wealth
Management)

 Developed into the largest distributor of 3rd party wealth management products in Pakistan with increased revenue from $0.9Mn to $10.0Mn
within first year, with $20.0Mn projected for 2008 via growth in AUM’s from $28.0Mn to $130.0Mn and insurance sales premium from $12.0Mn
to $72.0Mn

 Launched and built the Standard Chartered investments business from scratch to market leading Investment business in Pakistan, capturing a
market share of 10%, and revenues of $6.0Mn & launched the Retail Treasury desk, generating an annual revenue of $ 4.8Mn

Al Rajhi Bank, Saudi Arabia 2006 - 2006

Head of Affluent Banking

 Assumed responsibilities as Head of the Priority Banking, in charge of over 150 exclusive centers, with close to 300 Relationships Managers,
selling, Investments, Liabilities, Credit cards & Brokerage products, valued at total portfolio of $ 30Bn

 Drove penetration of the wealth management products, by initiating a state-of-the-art compensation plan for the front-end staff

Arab National Bank, Saudi Arabia 2005 - 2005

Head of Sales – Assets Management Group

 Assumed responsibilities as Head sales for the asset management group, with over 150 Relationships Managers driving sales and Brokerage
products

Citibank, United Arab Emirates 2001 - 2005

Priority Banking & Investments Product Manager

 Initially served as an Investments Consultant for 9 months and subsequently promoted to Priority Banking and Investments Product Manager,
overseeing the development and sale of investments products

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AHMED SHAH DURRANI (+92) 3112553331  ahmedsdurrani@yahoo.com
Latrobe University, Melbourne Australia 1999 - 2000

University Tutor (Strategic Management) for under graduate students

Pakistan Army, Pakistan 1992 - 1998

Army Officer (Captain Retd)

Passed out as BJUO of 89 Long course

TRAININGS & AWARDS

 Senior Leadership Development course, Barclays Bank, Egypt 2011

 Trainer for Branch Managers Leadership Program, Barclays Bank, North Hampton, UK 2009

 Qualified top grader, Barclays Bank, Egypt 2010

 Senior Leadership Development course, Standard Chartered Bank, Dubai, UAE 2007

 Received the Standard Chartered Global award for creating Alpha in the world of Investments for product innovation (2007)

 Conducted TTT for the Wealth Management Graduate program (Global program) Citibank N.A 2003

EDUCATION /PROFESSIONAL QUALIFICATIONS

MBA La Trobe University, Melbourne Australia

BA Pakistan Military Academy

Professional Certificate in Risk Management New York institute of Finance, NY

Professional Certificate in Credit Risk Management New York institute of Finance, NY