Mr. Khushal Khan
Chief Secretary Govt. of AJK
Chairman Board of Directors, Bank of AJK,
Mr. Malik Muhammad Babar Ayyaz, President/CEO
Mr. Malik Muhammad Babar Ayyaz
President/CEO
The Bank of Azad Jammu & Kashmir
Mr. Malik Muhammad Babar Ayyaz is the President & Chief Executive Officer (CEO) of the Bank of Azad Jammu & Kashmir (BAJK). A seasoned banking professional with over 27 years of diverse experience in Pakistan's financial sector, Mr. Ayyaz brings extensive expertise in corporate banking, commercial banking, Islamic banking, SME finance, strategic planning, business transformation, and institutional leadership. Prior to joining BAJK, Mr. Ayyaz served for nearly 17 years at The Bank of Punjab (BOP), where he held several key leadership positions after serving at other private banks. During his tenure at BOP, he played a pivotal role in restructuring the Bank's Corporate & Investment Banking and was instrumental in establishing and strengthening its SME & Commercial Banking businesses, contributing significantly to the Bank's growth and strategic transformation. Mr. Ayyaz holds an Executive MBA from the Lahore University of Management Sciences (LUMS), graduating with distinction and earning a place on the Dean's Honour Roll. His academic background, combined with extensive leadership experience, reflects a strong commitment to excellence and continuous professional development
Mr. Hasan Masud,
Mr. Hasan Masud
Secretary Finance
The Bank of Azad Jammu & Kashmir
For the past 24 years Hasan Masud has worked in the areas of Public Financial Management
(PFM) reform and digital transformation. Presently as Secretary Finance, Azad Jammu and
Kashmir, he is working on digital transformation and mainstreaming of PFM reforms in the
region. He had earlier worked on digital transformation issues at the office of the Auditor
General of Pakistan. This involved working as the Project Manager of Audit Management
Information System (AMIS) in the 28 field offices across the country. He was also responsible
for implementing an intensive professional training and education program in the field of
Accounting, Information Technology and Auditing. This entailed mainstreaming a new
competency framework, change management and development of an innovation hub in the
department of the Auditor General. He has worked on change management and internal
governance reforms as Director General MIS/FABS, the agency responsible for digitalization in
Government Accounting organizations.
Mr Hasan Masud has been trained extensively in the field of Project Management, PFM, Internal
Audit, government Auditing both locally and abroad.
Some of his key assignments are
Secretary Finance, Government of AJK, Muzaffarabad (Present Posting)
Accountant General, AJK, Muzaffarabad
Director General Information Technology/ Project Manager, Auditor General Office,
Islamabad
Director General Audit Defence Services, Rawalpindi
Director General MIS/Financial Accounting and Budgeting Systems, Controller General
of Accounts, Islamabad
Director General Quality Assurance, Inspection & Monitoring, Auditor General Office,
Islamabad
Additional Accountant General, AGPR, Islamabad
Controller Military Accounts (ISOs), MAG, Rawalpindi
Controller Local Audit (DP), MAG, Rawalpindi
Vice Consul (Accounts), Consulate General of Pakistan, Jeddah, KSA
Dr. Muhammad Idrees Abbasi,
Dr. Muhammad Idrees Abbasi
Secretary Law
Bank of Azad Jammu & Kashmir
Dr. Muhammad Idrees Abbasi is Secretary Law, Justice, Parliamentary Affairs & Human Rights Department, Govt. of AJK and Director of the Board of Bank of AJK. He is a Ph.D in Law (Human Rights) from International Islamic University, Islamabad and has a vast experience of law, planning, teaching and management at his credit which includes various top hierarchy level positions. He headed various Departments as Secretary to the Govt. of Azad Jammu & Kashmir.
Dr. Abbasi is a highly professional/competent person. He attended a large number of training programs nationally and internationally. Dr. Abbasi has a diversified personality which lead him to write numerous Research Papers and Publications on all the aspects such as Human Rights, Islamic as well as Inland Laws, Kashmir Issue, Electronic Media and Women Testimony under Qanoon-e-Shahadat.
Dr. Mohammad Idrees Abbasi, Secretary Law Justice, Parliamentary Affairs & Human Rights Department, Govt. of AJK and Director of the Board of Bank of AJK. He is a Ph.D in Law (Human Rights) from International Islamic University, Islamabad and has a vast experience of law, planning, teaching and management at his credit which includes various top hierarchy level positions. He headed various Departments as Secretary to the Govt. of Azad Jammu & Kashmir.
Dr. Abbasi is a highly professional/competent Personal and attended a large number of training programs nationally and internationally. Dr. Abbasi has a diversified personality which leaded him to write numerous Research Papers and Publications on all the aspects such as Human Rights, Islamic as well as Inland Laws, Kashmir Issue, Electronic Media and Women Testimony under Qanoon-e-Shahadat.
Mr. Adnan Khurshid,
Mr. Adnan Khurshid,
Secretary Industries
Department
Azad Jammu & Kashmir,
Director
Bank of Azad Jammu & Kashmir
Mr. Mubashar Nabi, Director
Mr. Mubashar Nabi,
Social Worker
Director
Bank of Azad Jammu & Kashmir
Mubashar Nabi is Founder President and Ex-CEO of ACT. With a vast and diversified background of 30 years of experience and contributed to policy work and designed & piloted number of national programs & development initiatives across Pakistan & AJ&K. He has almost 30 years' experience on his credit with exclusive thirteen years practical understanding of working with international and national organizations aiming at poverty alleviation through community mobilization. He specializes in the field of community mobilization with special perspective of forming institutions, linking them up with donor organizations and facilitating the BODs of these institutions to envision from the perspective of institutional development in their local perspective. Being an associate of MDF Holland, Mr. Nabi had contributed widely to strengthening national & regional level institutions through capacity building initiatives linked with microfinance and infrastructure development including TRDP, MRDP, SAFCOW, JWS, IRC, BRSP, KWO, WWOP, HRDN, etc. He had initiated, implemented and managed large projects funded by UNDP, WB, WFP, UNICEF, DIFD, USAID and Save the Children (US & UK). He was also part of the formation of Human Resource Development Network which sets a milestone in the history of capacity building endeavors in the country. His special interest revolves around Institutional Development & Organizational Strengthening, Leadership Management, Social mobilization, Capacity Building, Program Management and Innovate divergent programs in the field of poverty alleviation, microfinance, disaster preparedness, livelihood, social sector, reconstruction and social mobilization.
Ms. Bushra Naz Malik, Director
Ms. Bushra Naz Malik,
Bank of Azad Jammu & Kashmir
Ms. Bushra Naz Malik is a fellow member of the Institute and Chartered Accountants of Pakistan and CA/CPA from Chartered Professional Accountants, Ontario, Canada. Ms. Malik is an MBA graduate of Kellogg Business School in the United States and the Schulich Business School, Canada. She also has an LLB degree from the Punjab College and Advanced Management Program certification from the Harvard Business School, Boston, USA.
Currently, she is Chairperson of the Independent Audit Oversight Committee UNHCR, Geneva, Switzerland. She is also a Director of MHM Consulting, a management service provider firm. She is also a Member of Competition Commission of Pakistan which is a quasi-judicial institution for promoting competitiveness and fair trade in Pakistan. Between 2010 and 2013, she was a Director and Chairperson of the Audit Committee at the Lahore Stock Exchange Ltd in Pakistan. She also served as Group Finance Director and member of the Board of Directors of Kohinoor Maple Leaf Group, Lahore, a consortium of publicly listed firms headquartered in Pakistan, from 2007 to 2010. Ms. Malik was a member of the CGIAR System Management Board (SMB) in 2017-2018, chairing its Audit and Risk Committee, and a member of the Board of Directors of the Pakistan Industrial Development Corporation, also chairing its Audit Committee. She is committed to the cause of women and provides consultancy services to a local NGO dubbed ‘All Mothers Educated Now’ based in Pakistan. In 2012 she served as a member of the Commonwealth Business Women, Pakistan Steering Group.
Mr. Khurram Haris, Director
Mr. Khurram Haris ,
Bank of Azad Jammu & Kashmir
Mr. Khurram Haris is a seasoned banking and investment professional with over two decades of
diverse experience across Pakistan, UAE and United Kingdom. He is the Chief Executive Officer
and Founder of KH Group / KIMC Management Consulting, providing strategic advisory services
in investment, infrastructure and public–private partnerships. Mr. Haris has held several senior
leadership and advisory roles, including Executive Director at the Bin Zayed Group (UAE),
Executive Director and Advisor for South Asia and the Middle East at Tumas Pakistan and
Honorary Investment Advisor to UAE, the Board of Investment, Pakistan. He currently serves as
a Member of the Public–Private Partnership Policy and Monitoring Board, Government of
Punjab, and has previously contributed as a Corporate and Banking Transaction Expert with
NAB Lahore. His distinguished career also includes senior positions with leading global financial
institutions such as Barclays Bank, Citibank and the Royal Bank of Scotland, as well as advisory
roles with national and international public sector organizations. Mr. Haris holds an MBA from
the University of Liverpool (UK) and a Postgraduate Diploma in Information Technology from
DeVry University, Canada.
Human Resource Committee, of BoD
Secretary Finance, Director/Chairman
Mr. Mubashar Nabi, Director/Member
President/CEO, BAJK / Member
Divisional Head Human Resource Management Division (HRMD)/Secretary
Mr. Adnan Khurshid, 
