Banking Sector Developments, Challenges And Opportunities
Keynote address at IBC Gulf Conference – Investing in Pakistan at Islamabad on December 9, 2003

SME Financing – Issue and Prospects
Key note address at the SMEDA-IBP seminar on “Issue of SME financing” held at Lahore on October 24, 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 20th August 2003

Seminar/Exhibition on Technological Innovation in the Financial Sector

Financial Sector Reforms
Presentation made at the Pakistan Development Forum 2003 held in Islamabad on May 14, 2003.

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.

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 26, 2003

Regulatory Strategy Of The 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