NBP partners with WorldRemit for digital money transfers to Pakistan

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Corporate Ambassador/Using the WorldRemit app or website, Pakistanis living in over 50 countries can now send money directly from their smartphones to 1,500+ new cash pickup locations in Pakistan.

Islamabad and London, Leading digital money transfer service WorldRemit and National bank of Pakistan have launched safe, fast and low-cost international transfers to 1,500+ National Bank Pakistan (NBP) cash pickup locations and designated branches of Pakistan Post Office.

The Pakistani diaspora living in over 50 countries, including the USA, UK, Canada and Australia, can now send money to NBP cash pickup locations using their smartphone. WorldRemit is also offering its customers zero fees for transfers (terms and conditions apply) to Pakistan.*

WorldRemit is a global leader in online money transfers. WorldRemit saves customers time and money as they do not have to pay expensive fees at a money transfer agent to send money home. Over 90% of the company’s transfers are authorized within 10 minutes.

National Bank Pakistan, a leading Government owned bank in Pakistan, is committed to extending access to financial services to all income groups. National Bank of Pakistan is also the front line for SBP’s National Financial Inclusion strategy promoting financial inclusion to the unbanked. The bank recently launched special credit schemes for SME businesses across various industries, and is offering Qarz-e-Hasna loans to students.

Pakistan has the sixth largest diaspora population in the world, with approximately 7.6 million Pakistanis living abroad. According to the World Bank, Pakistan received over $20 billion in remittances in 2018, representing almost 7% of the country’s GDP.

Mr. Arif Usmani, President National Bank of Pakistan, comments: “Remittances play a vital role in the economy of Pakistan. It is the single largest source of foreign exchange for the country. The current government is specially focused on home remittances as well as on issues being faced by overseas Pakistanis. In line with the Government’s vision, we at National Bank of Pakistan are also playing a role in facilitating the overseas Pakistani’s across the globe in contributing towards the development of the country. We take the remittance business as our national duty.”

“National Bank of Pakistan has the most penetrative branch network in Pakistan and with the recent collaboration with Pakistan Post Offices, we will soon have the Largest Network for Remittance Payments in Pakistan. National Bank of Pakistan also holds the trust of millions of customers and has the largest customer base (account holders) among all the Pakistani Banks.

The collaboration between NBP and WorldRemit will not only be beneficial for both the institutions but will help us to facilitate the Pakistanis living abroad in sending their remittances to their loved ones in Pakistan more conveniently; and will also help improving our country’s economy by earning the much needed foreign exchange in line with the vision of the government and Prime Minister of Pakistan.”

Hamza Islam, Country Director for Pakistan at WorldRemit, comments: “National Bank Pakistan is a natural partner for WorldRemit, as we both look to extend access to remittances through formal and safe channels.

“WorldRemit is constantly looking for new ways to make it convenient for Pakistanis living at home and abroad to send and receive money. With this new partnership, we are delighted to extend our footprint across Pakistan, so that Pakistanis can receive money conveniently at over 8,200 cash pickup locations and into 14.5 million mobile wallets.”

NBP Aitemaad signs Banctakaful accord with Jubilee Life Insurance

NBP Jubilee

Corporate Ambassador/Karachi: National Bank of Pakistan Aitemaad Islamic Banking Group signed the ‘Bancatakaful’ agreement with Jubilee Life Insurance Window Takaful Operations which is the largest life insurance company in the private sector of Pakistan. The agreement was signed in a ceremony held at NBP’s Head Office to commemorate the partnership in the wake of the expanding market for Bancatakaful products. The agreement signing ceremony was graced by Mr. Arif Usmani, President and CEO of National Bank of Pakistan, Mr. Javed Ahmed, MD & CEO of Jubilee Life Insurance, Mr. Fouad Farrukh SEVP/Group Chief, NBP – AIBG, Mr. Shan Rabbani, Group Head – Retail operations, actuarial and Investments, Jubilee Life Insurance and Syed Rizwan Aziez, Head of Bancassurance, Jubilee Life Insurance along with senior officials from both organizations.

President NBP Mr. Arif Usmani emphasized the importance of Takaful (Shariah Compliant alternate to insurance) in the growth of the Islamic finance industry. He said that NBP has a long-running business relationship with Jubilee Life Insurance, and through this partnership it combines the expertise of one of the leading insurance companies with NBP’s extensive branch network, offering branch customers with convenient solutions to their takaful needs.

Mr. Fouad Farrukh said that NBP Aitemaad Islamic banking group and Jubilee Life Insurance Window Takaful Operations had joined hands by entering into the ‘Bancatakaful’ agreement for selling takaful products of Jubilee Life Insurance WTO through NBP’s Aitemaad Islamic banking branch network on a referral model. He said the agreement will introduce a cross sales culture throughout the organization. The alliance will cater towards savings and protection needs of NBP Aitemaad clients. He added that NBP believes in creating value and convenience for their customers and providing innovative financial solutions.

Mr. Javed Ahmed, MD & CEO, Jubilee Life Insurance, also spoke on the occasion, saying ‘Bancatakaful’ was the commencement of a new chapter in the Shariah compliant market and a means of strategically penetrating through the industry which has witnessed prodigious growth in Pakistan, “We are confident that, along with NBP Aitemaad, our top quality services will create room for business longevity through the newly established platform of trust.

 

National Bank of Pakistan is the largest state-owned financial institution of Pakistan which launched Islamic banking in 2006. To market Islamic products and services, NBP plans to capitalize on its strong brand recognition. It relaunched Islamic banking in 2013 under the brand name “Aitemaad”. Aitemaad provides high-quality and cost-effective Islamic banking product and services to the nation.

NBP – Aitemaad Islamic banking has observed phenomenal growth in its Islamic Banking branch network. The branch network increased from eight branches in 2012 to 190 branches in 2019. It has a strong presence in more than 85 cities including many areas where no other banks exist.

 

Jubilee Insurance is a global brand of Aga Khan Fund for Economic Development (AKFED) that offers diverse insurance solutions (life, health and general) in the Asian and East African markets. Jubilee Life is the largest private insurance company in Pakistan in the Life & Health insurance and in Window Takaful Operations. Jubilee Life offers uniquely designed range of life and health insurance plans, catering to various customer segments and needs. These include retirement, child education, marriage, saving & protection, wealth accumulation, life insurance plans for women, rural insurance plans and life and health insurance solutions for the less privileged of our country.

156 Pakistanis get Fulbright Scholarships to Study, Teach USA

Fullbright

Danny Javed, Corporate Ambassador/Islamabad, July 25, 2019 – After receiving the prestigious Fulbright Scholarship, 156 Pakistani students will pursue Master’s and Ph.D. studies or teach at top universities in the United States.  U.S. Embassy Islamabad Chargé d’Affaires a.i. John Hoover congratulated the Pakistani students at an event preparing the recipients for the exchange program.

“The American government believes in the power of education, and we’re investing accordingly,” Chargé Hoover said, adding, “We do so because we believe that investing in these programs strengthens our relationship, builds stability, and leads to mutual economic prosperity.”

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The 2019 Fulbright cohort hails from 42 universities across Pakistan, with women representing 58 percent of the group. The 156 new Fulbright students will attend more than 80 U.S. universities across academic disciplines, including engineering, energy management, and social sciences.

“This group is about to embark on an experience that will enrich their lives,” noted U.S. Education Foundation in Pakistan (USEFP) Executive Director Rita Akhtar. “They were selected on merit–not just grades and test scores, but also their achievements in the context of their opportunities. They will return to Pakistan with advanced degrees and join our proud Fulbright alumni to enrich the lives of others by contributing to Pakistan’s development in nearly every sector.”

2013 Fulbright alumna Shima Bibi, the first woman in her family and her home village to earn a Ph.D., encouraged the participants to take full advantage of their experience in the United States.  “By sitting a multicultural class with people from all over the world, you will not only gain knowledge, but will also grow in all aspects of your life,” said Shima.

Since its inception, over 7,100 Pakistanis and more than 900 Americans have participated in USEFP-managed exchange programs. In addition to the Fulbright program, USEFP manages a number of scholarship programs for undergraduates, teachers, journalists, and other professionals

144 Pakistani students to study in USA on scholarships

Pakistani students

Corporate Ambassador/Islamabad – Approximately 144 Pakistani undergraduate students received scholarships to study in the United States for one semester under the Global Undergraduate Exchange Program (Global UGRAD) program funded by the U.S. government.

Starting this September, the participants will take undergraduate classes at leading U.S. colleges and universities, as well as attend service-learning programs and professional development workshops as part of their academic and cultural immersion in the United States.

“The United States has a long tradition of embracing international students.  I am confident you will represent your nation with honor,” said Christopher Fitzgerald, Acting Deputy Chief of Mission at an event preparing the scholarship recipients for the exchange.  “When you come home to Pakistan, I know you will become leaders in your own communities and bring what you learned in the United States to those around you.”

“The group of students here today represent the best of Pakistan,” said the United States Educational Foundation in Pakistan Executive Director Rita Akhtar.  “They are selected on merit from thousands of applicants from every part of this country: from Tharparkur to Hunza, from Gwadar to Swat.”

Ujala Bashir, a spring 2018 Global UGRAD alumna, shared her exchange journey and how the community service experience at HAVEN in Bozeman, Montana, inspired her to develop a crisis center for domestic violence survivors in Pakistan.  “My greatest accomplishment was when a survivor I had coached on the phone contacted HAVEN to tell me that I had saved her life,” said Ujala.

Since the Global UGRAD Program launched in 2010, approximately 1,850 Pakistani students have received one-semester scholarships to study in the United States. For more information about Global UGRAD and together U.S. educational and cultural exchange programs, please visit:  www.usefpakistan.org.

NBP slams fake complaint published in media

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Corporate Ambassador/ISLAMABAD: National Bank of Pakistan has slammed a fake complaint published in an English newspaper pertaining to F-8 branch of the bank in Islamabad. After seeing this complaint, the concerned branch’s senior officials, in presence of Worthy Regional Head and other RMT members, watched the CCTV footage of all cameras of branch and no such situation was observed as mentioned in newspaper clipping.

Further NBP branch’s annual audit was in progress in branch from 28/06/2019 to 10/07/2019 headed by Sohail Ather Qureshi AVP and the same can be confirmed from audit team that no such incident occurred.

In addition, for the purpose of removal of certain audit irregularities of previous years audit reports , Regional office has deputed Mr. Ishtiaq Ahmad OG-1 to help branch. Mr. Ishtiaq Ahmad has remained in our branch from 25/06/2019 to 18/07/2019 and the same fact can be confirmed from him as well.

Branch is handling average daily 2400 vouchers, Cash counter is being run by single cashier as the other cashier has proceeded to perform Hajj and due to squeezed cash staff strength in the region nowadays his substitute could not be arranged and even then branch is providing service to each and every customer and walk in approaching to branch, also there was abnormal rush in recent past days due to Tax amnesty scheme where heavy cash transactions were taking place.

Further in the presence of worthy Regional head, Islamabad and other respected RMT members all the clients present in branch today were requested to comment in writing on branch service standard/behavior of staff and all appreciated performance of the branch and cooperation of the staff.

On the face of above observations I am confident that the said complaint is fake, however I and my staff are trying our level best to find out the where about of complainant( as no address, CNIC number or phone number is attached with news clipping) to find out the truth. I am also attaching some customers reviews about our branch atmosphere.

 

$6.20Bn decline reported in current account deficit of Pakistan

Balance of Payment July 2018 to June 2019

State Bank of Pakistan today reported $6.20 billion decline in the current account deficit of Pakistan during 2018-19. In last financial year, the CAD fell to $13.58 billion, compared to $19.90 Billion in 2017-1 (during last year of (PML-N) government. Decline in current account deficit is the outcome of increase in remittances to record high, $21.80 billion in 2018-19 (first year of PTI govt) and slowdown in imports because of increase in taxes, duties and hike in exchange rate of dollar.

State Bank of Pakistan has issued latest balance of payment position of the country that is placed at the top of this article.

 

Editor “She” Magazine laid to rest in Karachi 

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CorporateAmbassador/KARACHI: Zuhra Karim, renowned journalist and Editor ‘She’ magazine, mother of a renowned banker Javed Kureishi and wife of Masood Karim laid to rest, here at DHA Graveyard, Phase VIII in Karachi on, Wednesday.

last journey zuhrakarim1The funeral prayers for the departed soul were performed at Masjid-e-Tariq, Zamzama Clifton. Ms Zuhra Karim was passed away in Singapore on July 5, 2019. A large number of elite from all walks of life including Zafar Masud Director NBP, Syed Ibne Hassan Head of Media NBP, Zakir Mahmood Ex-President HBL, Waseem Bari member PCB, Iqbal Adamjee, Aqeel Jafri Pirana Advertising, Masood Zaidi, Manzar Naqvi, Azfar Masood and various known personalities from media, banking sector, business community and government officials attended the funeral.

last journey of ZuhraKarimThey also shared their grief and sorrow with the bereaved family.
Earlier, she had breathed her last Tuesday after a brief illness.
KUJ in its condolence meeting offered Fateha for the departed soul. Media expressed offered condolence for the bereaved family and prayed that Almighty Allah may rest her soul in eternal peace and give courage to the bereaved family to bear this irreparable loss with fortitude. Ameen.

Mourners

Can India afford nuke-war with Pakistan?

Special Report by Javed Mahmood, Chief Editor Corporate Ambassador

PakIndia flags

Once again, speculations are rife that India can carry out nuclear attack on Pakistan. And a debate has begun whether or not two nuclear powers can go for a full-fledged first-ever nuclear war in the world. This debate has resurfaced soon after the second time victory of BJP-led Indian Prime Minister Narendra Modi, known as an extremist Hindu and killers of Muslims in India.

Minorities for Modi and Canadian PMSo far, there is no precedent of full-scale war between any two nuclear powers in the world. However, if India dares to attack on Pakistan, it will, indeed, lead to a nuclear war. In a recent skirmish, Pakistan has shot down two war-planes of India and the Indian government and army did not dare to attack Pakistan keeping in mind the nuclear capability of Pakistan.

Worth to note is that during his visit to Dhaka, (Bangladesh) Indian Prime Minister Narendra Modi, who is known as an extremist leader of the BJP, proudly stated that India supported Mukti Bahni in East Pakistan that led to the creation of Bangladesh.

Modi mass murderer

He also stated that he himself participated in fight against Pakistan Army in East Pakistan as a volunteer. Before visiting Bangladesh, Indian Prime Minister has strongly opposed the China-Pak Corridor Project when he visited China and held meeting with his Chinese counterpart.

Interestingly, from the day Pakistan has implemented the China-Pakistan Economic Corridor (CPEC), we are hearing about war and proxy war by India against Pakistan. Do you think China who is also an arch-rival of India, would remain a silent spectator in case India imposed war on Pakistan _ certainly not.

Now we look back to 2001-2002 Indian conspiracy in which India blamed Pakistan for Dec 2001 Mumbai attacks and deployed its armed forces along border. Pakistan also reciprocated with the same zest and deputed Army in a tit-for-tat strategy. This military stand-off continued for the six consecutive months, but India did not dare to attack Pakistan fearing a serious retaliation and backlash from the regime of Gen. Pervez Musharraf.

This was the second major military standoff between India and Pakistan following the successful detonation of nuclear devices by both the countries in 1998, the other had been the Kargin War in 1999 in which Pakistani military killed thousands of Indian army personnel.

The military buildup was initiated by India after terrorist attacks on the Indian Parliament on 13 December 2001 (during which twelve people, including the five men who attacked the building, were killed). India claimed that the attacks were carried out by two Pakistan-based terror groups, but Pakistan strongly denied it. Later on, Indian officials themselves disclosed that it was a conspiracy against Pakistan and whole world witnessed that drama.

Now we discuss here as to who would be the major loser in case India imposes war on Pakistan. Throughout the world, Pakistan is famous world over as a beggar country that gets three to five billion dollars every year from major donor agencies and the countries to meet balance of payment obligations and other purposes.
The size of Pakistan’s GDP is less than 370 billion US dollars while the Indian GDP is above 2000 billion US dollars, many times larger than Pakistan. The market capitalisation of Karachi Stock Exchange these days is around 80 billion dollars while Indian stock markets capitalisation is over one trillion US dollars.
In 2017-18 the foreign trade of Pakistan mounted to about 75 billion dollars (US$ billion 24 exports & US$51 billion imports) while Exports of India in March 2015 mounted to $24 billion (just one month exports of India were equal to annual exports of Pakistan and same is the trend in imports).
Pakistan’s foreign exchange reserves are close to 17 billion dollars in June 2015 and Indian reserves stand above 350 billion dollars in 2015.
Like big difference in the economy of the two countries, there is also a wide gap in the size of population in Pakistan and India. Population in Pakistan is about 200 million while India hosts over 1.25 billion people. As India is much larger than Pakistan in size, economy, population and wealth, it is understood that the Indians will suffer greater losses in case of war with Pakistan.
For example, if a missile or bomb kills 10 people in Pakistan, the matching retaliation would lead to 200 or more killings in India in one incident because of the bigger size of the population.
Another major hurdle in the way of India to attack Pakistan is the massive inflow of foreign investment. Every year, India is attracting more or less US$65 billion foreign investment, whereas, Pakistan is hardly getting two billion dollars foreign investmet in a year. Hence, in last 10 years, India has received more than US$600 billion foreign investment and do you think the foreign investors would support India to throw their billions of dollars into war-flames and ashes, certainly not.

Similarly, if Pakistan suffers one million dollars worth loss or more in one incident of war, India would lose more than 100 million dollars, or much more than it.
As Pakistan is also a nuclear power, India must not under-estimate the defence deterrence and capability of this country. Political and defence analysts say that war between Pakistan and India could shatter the Indian dream of becoming regional economic in future. Even Indians too have sounded this feeling and they have asked their government in 2001-2002 and in 2008 as well to use the tactic of pressure, instead of direct war.
Analysts also say that at this time war would benefit Pakistan as the government could pull-out all its forces pitched against local militants and the armed forces and militants can struggle jointly for the survival of the country and to teach a long-lasting lesson to the arch rival neighbouring country.

It is a known fact that Pakistan is a renowned beggar country and the beggars lose nothing in war or fight. Because like past Pakistan would continue to receive 4-5 billion dollars annual assistance from the international donor agencies and countries in future. But the misadventure of a full-scale war (that can ultimately convert into nuclear war) could turn India into a beggar country too.

New war could also throw India into the club of high-risk countries, leading to an unbelievable loss to her economy, foreign investment, multi-national companies, mega companies and capital markets. Instead of hurling threats on Pakistan and using provocative language and statements against Pakistan, India should give attention to her own diehard extremists, separatists and those who killed Indian ATS Chief Karkare during Mumbai carnage, the man who expose the involvement of Indian Colonel in the Samjhota Express carnage.
India should also weed out black sheep in her Armed Forces because the involvement of Indian Army Colonel in the Samjhota Express case had not only exposed the Indian army but defamed it at all forums.

Worth to note is that more than 64,000 Indians have fallen prey to India’s own extremism since 1994 and the extremists party of India, BJP and its extremist Prime Minister Narendra Modi must show sane attitude to save millions of people who can become victims of new war between the two nuclear powers.

Finally, before opting for attack, India must keep in mind the Pakistan’s courage of shooting down two Indian war-planes recently. At present, India will not find any  kind of sympathy from Pakistan that it was getting from PML(N) government and Sharif family. Downing of two Indian war-planes means Pakistan is pursuing a zero tolerance in case of Indian aggression.

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Jury Members of 16th Corporate Ambassador Awards

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Jury Members of Corporate Ambassador Awards

Jury Members of upcoming 16th Corporate Ambassador Awards (to be organized in Karachi in coming months) are: Javed Mahmood, Founder/President of Corporate Ambassador Awards; Rozina Jalal, renowned Astrologist; Dr Afrozia Tabbasum, Chairperson Tabbo Welfare Society, Karachi; Ms Samar Nizam, Managing Director VNN TV Channel/Senior Anchorperson Awaz TV; Syed Turab Shah, Group Director Marketing Daily Ausaf, Karachi; Ms Rizwana Farooq, President Hand-in-Hand NGO/Nai Roshni School, Karachi; Dr Jabbar Khan, senior TV Analyst/Journalist/Educationst; Irtiza Sarwar, CEO Gresham’s & Energy Conservation Expert; Dr Shujaat Mubarak, Dean MAJU Business Administration & TV Anchorperson, Karachi; Shuja Ullah Khan, Chief Editor weekly Commerce Bulletin, Karachi; Aamna Malik; Senior Educationist/Founder Fog-Light NGO, Islamabad; Farhan Wilayat Butt, Senior Banker/Social Activist, Lahore; Muttahir Ahmed Khan, Assistant Professor/TV Analyst; Sharmeen Shafiq Khan, Sindh Information Officer, Karachi and Rakhshanda Jabeen, TV Host, Social Activist and banker, based in Multan.

Info of Corporate Ambassador Awards

By the Grace of Almighty Allah, the 15th Corporate Ambassador Awards was organized on 16th of March, 2019, at Beach Luxury Hotel, Karachi. The Corporate Ambassador Awards is an initiative of Weekly Corporate Ambassador, launched in 2012 from Karachi. It is a corporate and social award that aims at promoting the achievements of companies and individuals, including the students and social activists. We are giving awards to companies, Presidents/Chairmen, MDs, CEOs, leading business persons/entrepreneurs, experts, social activists, and renowned personalities belonging to showbiz, media, culture, diplomatic circles and students who have notable achievements to their credit.

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So far, 15 awards have been organized _ 11 in Karachi and 4 in Islamabad. About 535 organizations and individuals have received this prestigious award. Most important award winners are National Bank of Pakistan; Allied Bank; Silkbank Ltd; Habib Bank; JS Bank; National Foods Limited; AKD Securities; Arif Habib Commodities; EFU Insurance, Sui Southern Gas Company, NexSource Pakistan Chairman; Mettis Global Fin-Tech data Co; Fog-Light NGO, PCSIR, PSQCA, PNCA, Majmua Art Gallery, Thespianz Theater, Eye For Art, Center for Research on Security Studies (CRSS), She Foundation, Lahore; Flash Security Co. Islamabad; TDAP, Iftikhar & Company, etc., while list of Chairmen, MDs, CEOs, social activists, individual professionals and students is very long. The purpose of this awards initiative is to encourage those who are doing good work and motivate others to follow the path of high-achievers in the country.

Javed Mahmood Best New Pix April7

Weekly Corporate Ambassador, founded by senior Journalist/TV Analyst & International Writer, Javed Mahmood (J. Choudhry), is being accessed/monitored from over 175 countries in the world. The number of followers of the Facebook page of Corporate Ambassador has increased to 83,500+ that are in addition to our thousands of followers on LinkedIn (5,600+), Google Group of 5,000+ journalists, Anchors, TV Analysts, Columnists in Pakistan and abroad.

Every time, more than 250,000 social media users view the awards Promos and Posts through our paid advertisements while and viewers of some TV channels and readers of newspapers view the awards-related coverage (posts, pictures and interviews) that is very effective way of branding and image building.

Our Awards Jury: The members of Jury of Corporate Ambassador Awards (headed by me), are well-known and highly respected personalities in Karachi, Islamabad, Lahore and Multan.

Advantages of Winning Corporate Ambassador Award

 

  • Image Building
  • Strong Branding
  • Leadership Development
  • Personality Development for Business and Career
  • Acknowledgement/Appreciation of Achievements
  • Motivation for further Excellence in Business/Career
  • Social Contacts Building
  • Interaction with selected High-Profile personalities
  • A Powerful Reference for Achievements
  • More than 450 Organizations & Individuals have already received this award
  • Corporate Ambassador Award is a famous brand in Pakistan especially in Karachi, Islamabad and Lahore since 2012

Who Are Eligible for Corporate Ambassador Awards?

Corporate Ambassador Awards is a social & corporate awards that are given to the organisations, companies, professionals belonging to any field who have some notable achievement(s) in their life, profession, business, career or social welfare work to their credit. Students with certain ambitions and achievements have also been given awards and Hi-Achievers (students) can also apply for this award. Here are glimpses of recent awards. Since 2012, 15 Corporate Ambassador Awards have been organized _ 11 in Karachi and three (4) in Islamabad while more than 550 companies and individuals have been honored with this prestigious award. Companies and Individual Experts and Social Activists, having any achievement(s) can apply for this award.

The awards programme after seeing their profiles and achievements. Companies, Organisations and Professionals belonging to any field having outstanding achievement(s) can submit their nomination for this award to Mr Javed Mahmood (Chief Editor & President of CA Awards) at his email: jchoudhry63@gmail.com or WhatsApp 0334-3939029. Nomination fee is charged only from the winners of the awards to cover the cost of the event. A special discount is given to students with outstanding achievements.

Link of 15th CA Awards organized in Karachi

https://weeklycorporateambassador.wordpress.com/2019/03/17/15th-corporate-ambassador-awards-_-another-superb-ceremony-in-karachi/