Board of Directors

(Urdu Version)


Mr. Khalid Aziz Mirza was elected as an Independent Director on the Board in August 2014 and was re-elected as a Director by the shareholders of the Bank in August 2017 and August 2020. He is also Chairman of the HR Committee of the Board.

Mr. Mirza is a Master of Commerce (M. Com) from University of Punjab, Lahore, Pakistan and has about 55 years of work experience.

Mr. Mirza served for 14 years in various positions in Investment Corporation of Pakistan (ICP), and Credit & Finance Corporation London. Subsequently, for about two decades, he remained on the professional executive staff of the International Finance Corporation (IFC) (Member, World Bank Group). Besides this, he has also served as founding Chairman, Securities & Exchange Commission of Pakistan (three years); Sector Manager for Financial Sector Development, East Asia & Pacific Region, The World Bank, Washington DC, USA (about four years); Chairman and Chief Executive Monopoly Control Authority (one year); founding Chairman and Chief Executive Competition Commission of Pakistan (three years); and Member, Competition Appellate Tribunal (about eight months). Mr. Mirza joined the Lahore University of Management Sciences (LUMS) in 2010 and is at present Professor of Practice.

Mr. Mirza is also an Independent Director and Chairman of the Board of Orix Leasing Pakistan Limited & Awwal Modaraba and an Independent Director on the Board of Murree Brewery Company Limited.

Significant among his regular consultancy assignments are Finance Consultant, WAPDA; Advisor, Investment Climate Reforms Unit, Government of Punjab; Evaluator, Investment Evaluation Unit, The World Bank Group; and Advisor to the Board of the Damen Support Programme, Lahore, an NGO dedicated to women empowerment through provision of microfinance.


Mr. Rashid Akhtar Chughtai was elected as an Independent Director on the Board of the Bank in August 2017 and was re-elected as a Director by the shareholders of the Bank in August 2020. He is also a member of HR Committee of the Board.

Mr. Chughtai is an Economist/Banker by profession and has over 46 years of experience. He has served on various positions in the Banking Industry and other companies and has also served as Deputy Governor of State Bank of Pakistan, Chairman of Islamabad Stock Exchange, President & CEO of ZTBL & SME Bank Limited, and Director of National Commodity Exchange.

Mr. Chughtai holds a master’s degree in economics from Peshawar University and other professional qualifications from different national and international bodies. He has further attended numerous international conferences, courses, seminars and meetings.


Mr. Zubair Nawaz Chattha has been associated with the family business since his early days. He bears an impressive profile detailing an unprecedented track record bedecked and evenly interspersed with illustrious achievements and services on various fronts during his professional career.

From his educational record to professional acumen, Mr. Zubair Nawaz Chattha stands out par excellence. After completing his B.A, he went for a graduation in law and completed his LLB in 1992. He also holds a degree of LLM. On the academic front he has had renowned institutions among his alma maters, including University of Punjab, Lahore and Harvard Law School USA.

Mr. Zubair Nawaz Chattha belongs to a business family owning businesses with the brand name “Gourmet” in Pakistan. After completing his education, he joined his family business with his father and brother. At the time Gourmet was operating with sweets and bakers retail shops in Lahore and 03 production units. He introduced the idea of production of carbonated soft drinks under the brand name Gourmet. It was a tough decision to compete well-established brands in the Soft drink industry. It was his vision and commitment through which he was able to introduce Gourmet brand as an alternate option in the beverage industry which was previously dominated by Multinationals.

He managed the portfolio of food related items and promoted the Family brand “Gourmet” by introducing marketing and integration strategies. He was instrumental in setting up dairy and confectionary units and acquiring a sugar mill. He also introduced and promoted the “Conglomerate Diversification” by venturing into other business including Gourmet Petroleum, investment in banking sector through equity investment in Silkbank where the group holds 12.5% of the bank’s paid-up capital and acquisition of News TV channel. His vision is to introduce “Gourmet” worldwide as a Pakistani Brand. He is at present planning to expand the business in UK and UAE.

Mr. Zubair joined Police Service Pakistan (PSP) through qualifying the competitive examination in 1995. After completing the training for PSP he remained posted on various sensitive positions. All these public sector positions required the highest level of administrative capabilities. Mr. Zubair demonstrated extraordinary skill and expertise in handling complex situations on these assignments. During his service, he remained on leave in different periods for attending to the new gourmet projects. He resigned from government service and his resignation was accepted w.e.f August 1, 2016.


Mr. Qureshi was appointed as Non-Executive Director on the Board of the Bank on November 12, 2019 and was re-elected as a Director by the shareholders of the Bank in August 2020. He is also Chairman of the Audit Committee and member of Risk and IT Committee of the Board.

Almost 3 decades of professional experience across Public & Private sector organizations in both multinational & local institutions. Spearheading multifaceted roles in Treasury & Capital Markets, Corporate & Investment Banking, and other functions of Wholesale Banking.

Mr. Masroor has served as a member of the Board of Directors of various institutions in both, Public & Private Sector Organization in Pakistan.

Mr. Qureshi holds a Master Degree in Public Administration from Harvard University, USA and a Master Degree in Business Administration from Institute of Business Administration, Karachi University. He is also a Fellow, Edward S. Mason Program in Public Policy & Management, Harvard University, USA.


Mrs. Samia Shahzad Murad was elected as Director on the Board of the Bank by the shareholders in an election of directors, held on August 11, 2020. She is also a member of the Audit, HR and Risk Committee of the Board.

Mrs. Samia Shahzad Murad graduated from Punjab University with major subjects being Economics & Political Sciences. She started teaching in Beaconhouse Public School in Karachi and Islamabad.

Since 2003, Mrs. Samia Shahzad associated with AEO Pakistan which is the official liaison office of prestigious and top-ranked universities from Australia, UK, USA, Canada, New Zealand, UAE, and Malaysia providing a full spectrum of services for studying including counseling / placement services, IELTS Testing and IELTS Preparation. Mrs. Samia working as an IELTS Administrator and later was given the additional responsibility of running the business in Karachi as “Senior Consultant”. As IELTS Administrator, she is responsible for the successful operation of the IELTS Department and ensuring compliance of all policies set by the IELTS Organization. This includes ensuring that testing is carried out in a manner that preserves the security and integrity of the IELTS test.


Mr. Goharulayn Afzal was appointed as Non-Executive Director on the Board of the Bank in September 2021. He is also Chairman of the Risk Committee and member of IT Committee of the Board.

Professional experience in banking spans over two decades, including senior management positions. Have independently managed key facets of banking in the capacity of a Country Manager. Have in-depth knowledge & expertise of commercial, retail, consumer and SME banking, with hands-on experience on both the asset and liability side of the business. Have credit risk management experience covering credit cards, auto loans and mortgages, including SME lending. Also have led remote banking & alternative delivery channel teams. Have led human resource, service quality, banking operations, including international trade processing as well as information technology teams. Managed re-branding & bank re-positioning. Have been part of several mergers & acquisitions; negotiated acquisitions of banking & card portfolios. Played a pivotal role in post-acquisition organizational integration, leading to organizational restructuring through human resource optimization, thereby creating efficiencies & better cost management.

Specialties: Strategic planning at the organizational level. Exploring synergies and process re-engineering thereby creating efficiencies for optimizing customer experience & better cost management. Expertise in management of retail banking portfolios which included assets, liabilities and cards; credit risk management; marketing & product management, service quality, human resource as well as change management & post-acquisition organizational integration.

Key organizational experience includes: Citibank, Standard Chartered Bank, Union Bank, Silkbank, Habib Bank Limited and ICI Chemicals Limited.

Key Positions held: Last position held was Chief Operating Officer of Silkbank Limited for a period of 5 years, until retirement in July 2020. Also, held Country Manager Sri Lanka for Union Bank & post-acquisition with Standard Chartered Bank, altogether covering a 7 years period.


Mr. Shahram Raza is holding the office of President & CEO since 14th December, 2021. He has vast and diversified multi-sector experience of over 32 years working at leadership positions in Foreign and Local Institutions with expertise in Retail Banking - Branch Banking Distribution, Credit Cards Management, Mortgage & Unsecured Lending, Small & Medium Enterprise (SME) Lending, Sales & Marketing.

After completing his Master’s Degree in Marketing, he started his career with the “The Nation” (daily newspaper) and then joined TCS where he had a successful career. He was the Country Manager for Pakistan and also successfully established their UAE operations during 1997-99. Prior to joining Silkbank, he had worked at Union Bank and Standard Chartered where he successfully led various business functions.

Mr. Shahram joined Silkbank in May 2008 as Head Consumer Banking Business and was elevated to Group Head Retail Banking in September 2016. He was promoted to Director Retail & Consumer Banking in April 2018 prior to assuming his current position.