Brilliant Podcast! Zafar Sir is a true gem and a great mind. His solutions to taxation, pension and how he addresed reforms to agri, retail and real estate sector are practical and implementable, which is something we cannot say for other guests that have been on TBT to date. The way Zafar sir painted a true picture of everything is truly commendable. This was truly an insightful episode Muzammil. Kudos to you and the whole TBT team for making this podcast with Zafar Sir happen. Keep growing wish you the best of luck for the future.
Thoroughly enjoyed the podcast discussion on economy. The insights provided by Zafar Masud were incredibly valuable. As always Muzammil you did a great job facilitating the conversation. Looking forward to more episodes that delve deep into crucial economic topics.
I would like to give a suggestion to have captions in English regarding your show, as this will attract globally those viewers who can't understand urdu or hindi language
2:54:03 Small correction: The number in everyone's bank account is not 100% backed up by cash. This is where the concept of fractional reserve banking comes into play. This why when everyone tries to withdraw from the bank at the same time, you get a bank run. In addition: when a state bank/federal bank injects liquidity into the economy/bank/business, it is mostly numbers on the screen/in the books. Actual printing on paper isn't taking place. The printing slowly catches up if physical notes are required. My sources? I have learned most of these things from the RUclips channels "The Plain Bagel" and "Ben Felix" among others.
We are proud of Zafar who started with us at American Express Pakistan's as a Managment Trainee. Masha Allah he has done so well professionally, but still is a humble person.
You Text you copy will automatically show here as a single column - just tap on the settings icon above can display your clips as a single column - just tap on the settings icon above - just tap on the settings icon aboveYou can display your clips as a single column - just tap on the settings icon above
00:02 Zafar Masood's remarkable journey and authentic personality. 02:24 Zafar Masud's early life and family background 07:46 Sarmaya Financial Platform offers training and data for trading 10:08 Zafar Masud shares his background and inspiration for his career in banking. 16:02 Priority of education in middle-class families 18:23 Mindset is crucial for thriving despite fluctuating resources 22:51 Zafar Masud's educational background 25:07 Zafar Masud's journey from graduating with honors to appearing for the IBA test. 30:19 Impact of PIA Crash on Zafar Masud's Career 32:06 Zafar Masud discusses changing interview locations and challenges faced while traveling. 35:37 Struggles and success during academic years 37:47 Zafar Masud talks about his career journey and job opportunities 41:42 Entrepreneurship requires independence and initiative. 44:00 Overcoming emotional barriers and societal expectations. 48:27 Zafar Masud's career journey from American Express to Citibank and setting up Dubai Islamic Bank in Pakistan. 50:44 Importance of love, marriage, and hard work 54:53 Building a strong support system is crucial in navigating challenges. 56:56 Seeking validation from close ones is more important than public recognition. 1:00:42 Overcoming challenges and finding success 1:02:35 Transition from success to personal growth 1:06:42 Discussion on challenges and dynamics of government and banking sector 1:08:47 Quality of talent and system inefficiency in government recruitment 1:12:45 Zafar Masud becoming interim CEO and setting up a company 1:14:47 Discussion on accepting a lower salary for independence in operating 1:18:45 Challenges in attracting talent in public sectors 1:21:04 Bank of Punjab achievements and role in the economy 1:25:46 Importance of developing specialized institutions beyond the private sector 1:28:00 Privatization of public sector entities 1:31:55 Privatization as a potential solution 1:33:52 Discussion on privatization and competition promoting 1:37:52 Discussion on the impact of regulation and rent seeking in the economy 1:39:43 Discussion on power distribution and privatization 1:44:00 Survivor guilt and its impact on the speaker's life 1:46:25 Reflecting on life, regrets, and readiness to go. 1:51:10 Importance of personal connections for success 1:53:24 Discussion on financial targets and tax collection in Pakistan 1:57:11 Taxation and economy impact 1:59:27 Currency in circulation decreased to 8.4 trillion due to fear-driven deposits. 2:03:22 Challenges in government recruitment and restructuring 2:05:01 Pension issue resolved through new hiring and compensation structure adjustments 2:08:51 Utilizing pension fund for real estate development 2:10:49 Efficient government function and pension benefits 2:15:03 Digitalization and data sharing for improved economy and tax collection. 2:17:03 The importance of GDP and informal economy in shaping the society. 2:21:06 Taxation impact on agriculture and real estate 2:23:06 Consider targeted cash subsidies instead of general subsidies 2:26:58 Advocating for tax imposition on various sectors for economic growth 2:29:08 Challenges with DC rate concept and property pricing mechanisms 2:33:07 Discussion on wealth tax and inheritance tax 2:35:11 Pakistan needs a paradigm shift in tax system 2:39:13 Banks face competitive environment and government funding requirements 2:41:29 Efforts to bring cash into the system and improve economy 2:45:26 Monetization impact on Indian economy and tax collection 2:47:30 Challenges and opportunities of digital currency 2:51:24 Digitizing cash and implementing strict policies for economic benefits. 2:53:38 Transition to digital rupee will be digital only 2:57:23 Implementing QR payment system with incentivization and taxation 2:59:15 Zafar Masud's perspective on the future of Pakistan 3:03:52 Pakistan facing economic challenges and seeking peace 3:06:16 Realization of collective inclusiveness and hope for a brighter future for Pakistan. 3:10:24 Discussion on the economy, taxation, PIA crash, and more You Can't Judge A Video By Its Cover. you can by its first few chapters and certainly by its last.
It is great to hear but one thing I want to mention a quite annoying thing the noise between talk and no noise when anyone not speaking it can be between words it feels annoying May most of the listeners had faced this
The word TAX have been used a million times in this episode. I think the idea of imposing additional tax at this time is absurd. It will only lead to squandering of funds by the beaurucrats (much vaunted CSS), politicians and military in the form of security details, armoured card fleets, foreign trips and many other things which I think would need another podcast to explain.
In kay ghar kay nimbo bauhut khae 😂. His first cousin (chacha daughter) was with me at lums and we lived in the same hostel because she was from Karachi. One time she bought a giant basket full of fresh nimbo. We put it in everything including maggi noodles 😂😂😂
کمال انتخاب ، زبردست نشریات پروردگار استعدادکار میں مزید برکتیں عطاء فرمائے_آمین صاحبان نشست اور موضوعات کی کاملیت پر کیا رائے دی جاسکتی ہے فقط حضرت علی (رض) کا یہ فرمان کہ: "تقوی سادھو پن نہیں بلکہ صلاحیتوں کو پروان چڑھانے کا نام ہے_" 2:56:00 پر ظفر صاحب نے جس پنجابی اکھانڑ(محاورہ) کے متعلق اشارہ دیا وہ یوں ہے کہ : "جنہاں دے گھر دانے ، اوہناں دے کملے وی سیانے" اور "آرکائیو" سے متعلق آپ کی بات بہت بہترین ہے اس ضمن میں ممکن ہو سکے تو منور سعید صاحب، ڈاکٹر شاہد مسعود، ڈاکٹر معید پیرزادہ اور عمر شاہد حامد ان حضرات کے ساتھ بھی ایسی ہی نشست ترتیب پائے تو خوب نشریات ہوں گی انشاءاللہ
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity, aor ye channel hr time frame main chaltay hain, ye best TF konsa hy intraday and swing as well sclap kayliay +++ structure kaisay identify kartay hain price action main - internal and external
Muzammil please sound me koi issue h jb koi pause aata h to bar bar ek vauge ka sound kabi aarha h kabi jaa rha h lagta h video stuck o gai h but real me wo pause le rhy hoty
have not talked about govt expenditures on lavish life of bureaucrats, technocrats, politicians and army burdened on common peoples lives. Huge loan bad debts because of political background business, though he has expertise but he was biased at least he should fearless after this death experience and already have achieved/earned everything in his life.
Can't we estimate the black GDP by calculating each industry and sector's white GDP and the through that estimation we can extrapolate the results through the percentage of how much of GDP is not regulated.
It a rubbish example to relate hard work with number of hours worked. Efficiency and work life balance that matters. Pakistani need to change the mindset.
اگر اپنے پروگرام کو مقبول بنانا ھے تو اپنی انگریزی دانی کی قابلیت کو اس پروگرام سے ھٹ کر کہیں اور ظاھر کرکے سامنے والوں کو متاثر کرلیا کریں۔ خود تو انگلش پول پول کر نظریں کو بور کر رھے ھو اپنے پروگرام میں بلائے گئے مہمان کو بھی انگریزی بولنے پر مجبور کر رھا ھو۔ اس سے بہتر تو یہ تھا کہ کسی انگریزی ٹی وی چینل پر اپنے پروگرام کو آن ایئر کر دیتے۔
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity, aor ye channel hr time frame main chaltay hain, ye best TF konsa hy intraday and swing as well sclap kayliay
![[Urdu] Last Episode: The Actual Miracle of The Quran | Akhri Moujza with Nouman Ali Khan](/img/1.gif)
Brilliant Podcast! Zafar Sir is a true gem and a great mind. His solutions to taxation, pension and how he addresed reforms to agri, retail and real estate sector are practical and implementable, which is something we cannot say for other guests that have been on TBT to date. The way Zafar sir painted a true picture of everything is truly commendable. This was truly an insightful episode Muzammil. Kudos to you and the whole TBT team for making this podcast with Zafar Sir happen. Keep growing wish you the best of luck for the future.
Imagine I listened all in bits obviously, but really enjoyed whole conversation...great
مزہ آیا
Zafar Masud is a phenomenal leader. Incredible depth, and humility. Thankful to such humans.
Thoroughly enjoyed the podcast discussion on economy. The insights provided by Zafar Masud were incredibly valuable. As always Muzammil you did a great job facilitating the conversation. Looking forward to more episodes that delve deep into crucial economic topics.
Your comment is neutral and fair exuding integrity and intellect.
I would like to give a suggestion to have captions in English regarding your show, as this will attract globally those viewers who can't understand urdu or hindi language
Great podcast and very interesting person
Have seen him in another podcast. Respect him! V well read person.
2:54:03 Small correction: The number in everyone's bank account is not 100% backed up by cash. This is where the concept of fractional reserve banking comes into play. This why when everyone tries to withdraw from the bank at the same time, you get a bank run.
In addition: when a state bank/federal bank injects liquidity into the economy/bank/business, it is mostly numbers on the screen/in the books. Actual printing on paper isn't taking place. The printing slowly catches up if physical notes are required.
My sources? I have learned most of these things from the RUclips channels "The Plain Bagel" and "Ben Felix" among others.
This is the level of CEO of a Bank in Pakistan. How can Pakistan develop with these type of elites?
We are proud of Zafar who started with us at American Express Pakistan's as a Managment Trainee. Masha Allah he has done so well professionally, but still is a humble person.
You Text you copy will automatically show here as a single column - just tap on the settings icon above can display your clips as a single column - just tap on the settings icon above - just tap on the settings icon aboveYou can display your clips as a single column - just tap on the settings icon above
Muzammil bhai mey 10 ghantey ki podcast sunney k liyey bhi tayyar hu ap bs quality yhi rakho. Love u
the introduction has hooked me in! I am so excited Muzammil Bhai!
i didn't plan to watch anything but now i am gonna listen it to the end Inshllah 🥰🤗
It seems to me that everyone who comes to this podcast just needs a mic to then can talk their heart out
amaze
Only 46 minutes passed just like a few minutes what a powerful episode.
Totally agree with the pension point of view!
Phenomenal conversation!!
*Best fact unveiled at **2:56:00**! About false and overrated neighbors*
amazing personality
My favorite Sir Muzammil & Madam Humna (Love From LHR) ( Proud of Pakistan ).
great podcast
finally watched full episode. Wow thanks
May his learnings inspire our souls . Must read book indeed. Please share book name upon release
00:02 Zafar Masood's remarkable journey and authentic personality.
02:24 Zafar Masud's early life and family background
07:46 Sarmaya Financial Platform offers training and data for trading
10:08 Zafar Masud shares his background and inspiration for his career in banking.
16:02 Priority of education in middle-class families
18:23 Mindset is crucial for thriving despite fluctuating resources
22:51 Zafar Masud's educational background
25:07 Zafar Masud's journey from graduating with honors to appearing for the IBA test.
30:19 Impact of PIA Crash on Zafar Masud's Career
32:06 Zafar Masud discusses changing interview locations and challenges faced while traveling.
35:37 Struggles and success during academic years
37:47 Zafar Masud talks about his career journey and job opportunities
41:42 Entrepreneurship requires independence and initiative.
44:00 Overcoming emotional barriers and societal expectations.
48:27 Zafar Masud's career journey from American Express to Citibank and setting up Dubai Islamic Bank in Pakistan.
50:44 Importance of love, marriage, and hard work
54:53 Building a strong support system is crucial in navigating challenges.
56:56 Seeking validation from close ones is more important than public recognition.
1:00:42 Overcoming challenges and finding success
1:02:35 Transition from success to personal growth
1:06:42 Discussion on challenges and dynamics of government and banking sector
1:08:47 Quality of talent and system inefficiency in government recruitment
1:12:45 Zafar Masud becoming interim CEO and setting up a company
1:14:47 Discussion on accepting a lower salary for independence in operating
1:18:45 Challenges in attracting talent in public sectors
1:21:04 Bank of Punjab achievements and role in the economy
1:25:46 Importance of developing specialized institutions beyond the private sector
1:28:00 Privatization of public sector entities
1:31:55 Privatization as a potential solution
1:33:52 Discussion on privatization and competition promoting
1:37:52 Discussion on the impact of regulation and rent seeking in the economy
1:39:43 Discussion on power distribution and privatization
1:44:00 Survivor guilt and its impact on the speaker's life
1:46:25 Reflecting on life, regrets, and readiness to go.
1:51:10 Importance of personal connections for success
1:53:24 Discussion on financial targets and tax collection in Pakistan
1:57:11 Taxation and economy impact
1:59:27 Currency in circulation decreased to 8.4 trillion due to fear-driven deposits.
2:03:22 Challenges in government recruitment and restructuring
2:05:01 Pension issue resolved through new hiring and compensation structure adjustments
2:08:51 Utilizing pension fund for real estate development
2:10:49 Efficient government function and pension benefits
2:15:03 Digitalization and data sharing for improved economy and tax collection.
2:17:03 The importance of GDP and informal economy in shaping the society.
2:21:06 Taxation impact on agriculture and real estate
2:23:06 Consider targeted cash subsidies instead of general subsidies
2:26:58 Advocating for tax imposition on various sectors for economic growth
2:29:08 Challenges with DC rate concept and property pricing mechanisms
2:33:07 Discussion on wealth tax and inheritance tax
2:35:11 Pakistan needs a paradigm shift in tax system
2:39:13 Banks face competitive environment and government funding requirements
2:41:29 Efforts to bring cash into the system and improve economy
2:45:26 Monetization impact on Indian economy and tax collection
2:47:30 Challenges and opportunities of digital currency
2:51:24 Digitizing cash and implementing strict policies for economic benefits.
2:53:38 Transition to digital rupee will be digital only
2:57:23 Implementing QR payment system with incentivization and taxation
2:59:15 Zafar Masud's perspective on the future of Pakistan
3:03:52 Pakistan facing economic challenges and seeking peace
3:06:16 Realization of collective inclusiveness and hope for a brighter future for Pakistan.
3:10:24 Discussion on the economy, taxation, PIA crash, and more
You Can't Judge A Video By Its Cover. you can by its first few chapters and certainly by its last.
Amazing conversation
How army allocation in budget can be curbed ? How budget allocation in proper field like scientific education , health sector can be increased?
Finally...you TOOK YOUR TIME with your INTRO...you didn't rush through like you were running to catch a train.
Loved every bit of this podcast. Thankyou for this conversation.
Its harder to get wealth tax than income tax. Many countries have tried wealth tax in the west but raises very little.
What a great podcast. Always found Zafar Sb to be the most humble and honest person. Kudos🎉
It is great to hear but one thing I want to mention a quite annoying thing the noise between talk and no noise when anyone not speaking it can be between words it feels annoying
May most of the listeners had faced this
?
Very nice interview... all memories. Remembered day by day OR month by month and so on stilllllll... great🌹🌹
Demonetisation is evil.
Privacy is a fundamental right, and governments should not track every transaction and penny.
every time he talks about his family he gets emotional that it is so rare to witness these days
Good introduction
Lovely conversation
The word TAX have been used a million times in this episode. I think the idea of imposing additional tax at this time is absurd. It will only lead to squandering of funds by the beaurucrats (much vaunted CSS), politicians and military in the form of security details, armoured card fleets, foreign trips and many other things which I think would need another podcast to explain.
Well said self accountability is really important, hum sab se ziyada apne aap ko accountable ker sakte hein
Amazing insightful discussion.
Precious
Great 👍 n phenomenal profile. However, can we know about the other survivor
Superb 🎉❤
Great podcast but only one suggestion for the host, kindly let your guests speak more !
If you have a Prado and sending your sister to study in US, makes you upper middle class.
Yes, exactly. Having a Prado….
I am regular listener of Muzzamal podcast, omm but i left after 20 min. Lolz
In kay ghar kay nimbo bauhut khae 😂. His first cousin (chacha daughter) was with me at lums and we lived in the same hostel because she was from Karachi. One time she bought a giant basket full of fresh nimbo. We put it in everything including maggi noodles 😂😂😂
What an incredible episode.
کمال انتخاب ، زبردست نشریات پروردگار استعدادکار میں مزید برکتیں عطاء فرمائے_آمین
صاحبان نشست اور موضوعات کی کاملیت پر کیا رائے دی جاسکتی ہے فقط حضرت علی (رض) کا یہ فرمان کہ: "تقوی سادھو پن نہیں بلکہ صلاحیتوں کو پروان چڑھانے کا نام ہے_"
2:56:00 پر ظفر صاحب نے جس پنجابی اکھانڑ(محاورہ) کے متعلق اشارہ دیا وہ یوں ہے کہ : "جنہاں دے گھر دانے ، اوہناں دے کملے وی سیانے" اور "آرکائیو" سے متعلق آپ کی بات بہت بہترین ہے اس ضمن میں ممکن ہو سکے تو منور سعید صاحب، ڈاکٹر شاہد مسعود، ڈاکٹر معید پیرزادہ اور عمر شاہد حامد ان حضرات کے ساتھ بھی ایسی ہی نشست ترتیب پائے تو خوب نشریات ہوں گی انشاءاللہ
shah gjinhan de ghr dane unhan de kamle v sianne
Yes. In American Express...
❤
kamal❤
Stripe de dou ya establishment ka contract de dou?
Contract right?
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity, aor ye channel hr time frame main chaltay hain, ye best TF konsa hy intraday and swing as well sclap kayliay
+++ structure kaisay identify kartay hain price action main - internal and external
Need to be grassroots level facilities to all ucs immediately for better environment and economy crises
jb kisi level pe range shoro ho jaay tu kaisa nikaltay hain ke ye support bana rahee hy ya resistance pe ruki hy?
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity
👏🏼👏🏼👏🏼
ohh bhai yeah rightly or wongly kya cheez hoti hai?!!!!
Longest episode bump
Muzammil please sound me koi issue h jb koi pause aata h to bar bar ek vauge ka sound kabi aarha h kabi jaa rha h lagta h video stuck o gai h but real me wo pause le rhy hoty
2:45:09 so Pakistan will not stop 5000 Rupee note, Generals will be very happy
Table Tennis...1986 to 1988
Jay day kaar Daany (wheat )'
oo dy kamlay v siaanay :D
Why not Fundamentals like Education and Health Sector?
i was a banker in Pakistan. i know these people are all mafia. yea ain ka family business hai.
❤❤
14:20 big mistake by his family by moving to pakistan lol..
at first u know that the transaction of upi . in term.. u dont know data dont talk about that.
have not talked about govt expenditures on lavish life of bureaucrats, technocrats, politicians and army burdened on common peoples lives. Huge loan bad debts because of political background business, though he has expertise but he was biased at least he should fearless after this death experience and already have achieved/earned everything in his life.
Qadri sab . Apka kuch ni ho skta
Can't we estimate the black GDP by calculating each industry and sector's white GDP and the through that estimation we can extrapolate the results through the percentage of how much of GDP is not regulated.
How'd you find the ratio of black to white
Pakistan m 5000 ka ek note h😮....
Or Fsc 1986 to 1988
GST is 18% not 17%.
Zabani Jama kharch only
get married dont delay if you love someone
کیا اپ کو مزہ ارہا ھے۔ کہ انگلش میں انٹرویو کر رہے ہو۔ اردو میں بات کریں۔ تاکہ سب کو سمجھ اجائے۔
It a rubbish example to relate hard work with number of hours worked. Efficiency and work life balance that matters. Pakistani need to change the mindset.
Don't give a pen to your next guest... Please
Uncle ko khud nhi pta k wo kehna kiya chah rha hai aa jaa k apni family ki tarifain kiye ja rhy ho
viceroy sb, English ki bhur mar h is program m
😅😅😅😅😅
awoy PTI walo imran kay liya aik jalsa to kar lo
اگر اپنے پروگرام کو مقبول بنانا ھے تو اپنی انگریزی دانی کی قابلیت کو اس پروگرام سے ھٹ کر کہیں اور ظاھر کرکے سامنے والوں کو متاثر کرلیا کریں۔
خود تو انگلش پول پول کر نظریں کو بور کر رھے ھو اپنے پروگرام میں بلائے گئے مہمان کو بھی انگریزی بولنے
پر مجبور کر رھا ھو۔ اس سے بہتر تو یہ تھا کہ کسی انگریزی ٹی وی چینل پر اپنے پروگرام کو آن ایئر کر دیتے۔
total bullshit...makes no sense
LOl this guy must be related to Pak army or PMLN so that makes him a patwari and corrupt
I am from india i live in second tier city and you can buy 85% of things without cash
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity, aor ye channel hr time frame main chaltay hain, ye best TF konsa hy intraday and swing as well sclap kayliay
trend line mian kehtay hain candle cut nahi honi chahiay, second, trend line kahan say start karni hoti hy? please resolve this ambiguity
😅😅😅😅😅