Board of Directors


President and CEO

Ms. Sima Kamil, the President and CEO of UBL, has over 37 years’ experience in the diversified fields of banking, including branch banking, corporate banking and investment banking. She started her banking career from American Express Bank. She also worked with ANZ Grindlays and Standard Chartered Bank in Corporate Banking and Risk Management.

Ms. Kamil joined UBL in 2017. Before joining to UBL, she was with Habib Bank Limited where she worked for 16 years. At Habib Bank, she worked in the diversified fields at senior levels, including as Head of Corporate & Investment Banking and then as Head of Branch Banking.

Ms. Kamil had been associated with microfinance as Director of the First Microfinance Bank for a number of years.

She is the Chairperson of UBL (Switzerland) AG and UBL Bank (Tanzania) Limited. She is also director on the Board of United Bank UK.

In addition to her professional commitments and assignments, Ms. Kamil has interest in social sector, primarily in education. She is Chairperson of the Board of Governors of Karachi Grammar School. She is also member on the Board of Directors of Karachi Education Initiative.

Ms. Kamil has a degree in business from Kingston University, UK and an MBA from City University, London.

She is a member of the Board Risk & Compliance Committee and Board IT Committee of UBL. She is a certified director from Institute of Business Administration (IBA), Karachi.

Sir Mohammed Anwar Pervez, OBE, HPk

Chairman/Non-Executive Director

Sir Mohammed Anwar Pervez, OBE HPk is the Chairman of the Board of Directors of United Bank Limited since December 2013. He is also the Chairman of Bestway Group UK & its subsidiaries, which include Batleys Limited and Bestway Cement. He is also Chairman of Bestway Northern Limited in UK.

Sir Anwar began his career in food business in 1963 when he opened a mini supermarket in London. He ventured into the wholesale business in 1976 and has been responsible for growing Bestway Group into the seventh largest family business in the UK.

Today, it is the 2nd largest wholesaler in the UK, the 2nd largest cement producer in Pakistan and the 2nd largest private bank in Pakistan. The Group provides employment to over 22,500 globally.

Sir Anwar was awarded the Order of the British Empire (OBE) in 1992 and was conferred the title of Knight’s Bachelor in 1999 by Her Majesty the Queen for his services to the food industry and various charitable causes in the UK. In 2000 he was awarded “Hilal-e-Pakistan”.

In 2005, Sir Mohammad Anwar Pervez was voted winner of the prestigious “Grocer Cup for Outstanding Business Achievement” by the Institute of Grocery Distribution, UK. In 2006 he received “Sitara-e-Essar” by the President of Pakistan. The same year he was chosen as the “Master Entrepreneur – UK” at the Ernst & Young Entrepreneur of the Year 2006 Awards.

Lord Zameer M. Choudrey, CBE, SI PK

Non-Executive Director

Mr. Zameer Mohammed Choudrey has been a Member of the Board of Directors of United Bank Limited since October 2002. He is Chairman of the Board Risk and Compliance Committee. He is also a Director of UBL Insurers Limited.

He is the Chief Executive of Bestway Group, which is the seventh largest family business in UK with annual turnover of £3.06 billion. The Group is the 2nd largest wholesaler in the UK, the 3rd largest retail pharmacy in the UK, the largest cement producer in Pakistan and the 2nd largest private bank in Pakistan. The Group provides employment to over 33,600 globally.

Zameer is a Chartered Accountant by profession. He joined Bestway Group as a financial controller in 1984. In 1990, he was promoted as the Group Finance Director. In 1995, he was given additional responsibilities of business diversification both in UK and Pakistan and was promoted as Chief Executive of Bestway Cement Limited. He was appointed as the Group CEO in 2004.

He is a fellow of the Institute of Chartered Accounts of England & Wales and a member of the Institute of Directors. He is also the Deputy Chairman of the Pakistan Britain Business Council (PBBC).

Zameer is a trustee of Bestway Foundation UK and Chairman of Bestway Foundation Pakistan. He is also a trustee of GroceryAid and Crimestoppers. Zameer is a member of British Asian Trust’s UK Advisory Council and a member of HRH Prince of Wales Pakistan Recovery Fund International Leadership Team.

In 2014, Zameer was awarded an honorary degree by University of Kent in recognition of his philanthropic services to the community.

In December 2015, Zameer was appointed Commander of the Order of the British Empire (CBE) by Her Majesty the Queen for his services to the UK wholesale industry and various charitable causes in the UK and abroad.

Mr. Haider Zameer Choudrey

Non-Executive Director

Haider Zameer Choudrey became Director of United Bank Limited in March 2014. He has the distinction of being the youngest Director of any listed bank in Pakistan. Haider is a Chartered Accountant by profession. He represents the Bestway Group on the Board of United Bank Limited.

After having distinguished himself at the world renowned Eton College, Haider read Economics at Gonville & Caius College, University of Cambridge. He also received his Masters in Economics from Gonville & Caius College, University of Cambridge.

Between October 2009 and October 2012 Haider undertook his accountancy training at KPMG UK LLP. At KPMG Haider was an integral part of the Consumer Markets Audit; Corporate Tax & Corporate Finance Teams. He gained rich experience of audit; finance; advisory; business strategy and corporate taxation through his exposure to the multinational clients in the FMCG; Financial Services & Telecommunication Sectors.

In November 2012, Haider joined the Bestway Group as a financial accountant and assistant to the Finance Director. In his board role he is responsible for spearheading Group’s UK tax; international diversification and operational efficiency strategies.

He is actively involved with the charitable work of the Bestway Foundation in the UK and Pakistan; and is part of the management team that is supervising the construction of two state of the art schools in Chakwal.

Mr. Rizwan Pervez

Non-Executive Director

Rizwan graduated from the University of Pittsburgh, USA in 1990 with a BSc in Business Management.

He then trained with a leading UK firm of Chartered Accountant and qualified in August 1995. Rizwan is a member of the Institute of Chartered Accountants in England & Wales.

He joined Bestway as a Financial Accountant in 1995 and was elected to the Board of Directors in January 2000 as Group Business Development Director. He was responsible for developing the Group’s fascia and delivered business. Rizwan was instrumental in creating the “Best-One” symbol group and Bestway Direct, the Group’s delivered wholesale operation. Best-One now boasts over 1,000 stores throughout the UK and Bestway Direct continues to exhibit double digit growth year on year.

In 2006, Rizwan was appointed Group Operations Director where he led and managed the integration of Bestway and Batleys wholesale operations which created the UK’s largest independent wholesale group.

In 2012, Rizwan was appointed the Group Marketing & PR Director.

Rizwan has served as Governor of John Kelly Schools in North West London playing a leading role in the school’s attainment of ‘academy’ status and establishing the school as a centre of excellence under its new name of The Crest Academy.

Rizwan is a Trustee of Bestway Foundation UK.

Mr. Arshad Ahmad Mir

Non-Executive Director

Mr. Arshad Ahmad Mir, appointed as member of Board of Directors with effect from 26 October 2009, has over four decades of extensive corporate experience in financial services, oil industry, management consultancy, manufacturing and wholesale distribution businesses.

He has served with major corporate entities in areas of general management, corporate planning, project management, compliance and consultancy. Geographical coverage of his corporate roles and responsibilities encompass Pakistan, Middle East, Africa, UK & Europe.

Arshad Mir is a member of Institute of Chartered Accountants and Institute of Bankers UK. He has attended various management courses and conferences including Advanced Management Programme of London Business School.

He is also a member of the Board Risk Management Committee of the UBL.

Mr. Khalid Ahmad Sherwani

Independent Director

Mr. Khalid Ahmed Sherwani was appointed Member, Board of Directors as an Independent Director in October 2014. He is a seasoned professional with vast experience of corporate governance of over 50 years, gained in over two decades, serving as director on various Boards of directors primarily in the financial services industry of Pakistan, including chairmanship of 5 BODs of public & private sector entities. He also has top management experience of 30 years in diverse areas in major commercial banks as SEVP, CIO, CFO and CEO.

He had originally joined United Bank Limited in 1968 as a Trainee in its IT division, became its IT Head in 1974 and rose to the position of Senior Executive Vice President in 1984. Thereafter, he oversaw the working of numerous banking functions of the Bank and played a pivotal role in its restructuring during 1996-2000.

He was appointed President/CEO of Allied Bank Limited, the 5th largest bank of Pakistan, in 2000 where he spear-headed restructuring and recapitalization of the Bank and led its subsequent turnaround after take over by the new sponsors. He retired from Allied Bank in 2007 but was re-inducted by the sponsors as President/CEO in 2010 for a period of three years for a fast pace growth in business & profitability of the Bank and to further fine tune its systems & controls.

He holds a Master’s degree from the University of Karachi and is a Certified Director from the Pakistan Institute of Corporate Governance. He is the Chairman, Board Special Committee and Member, Board Risk & Compliance Committee of the Bank and currently also serves on the Board of Directors of the Cancer Foundation.

Amar Zafar Khan

Independent Director

Mr. Amar Zafar Khan is a Chartered Accountant, with over 30 years multi-functional experience at premium international financial institutions, covering general management, directing turnarounds and developing new ventures/ businesses in commercial banking, investment banking, domestic and cross-border corporate finance and securities trading. He has exposure to markets in Europe, the Middle East and Africa and has knowledge and experience of a wide spectrum of financing solutions.

Mr. Amar did his M.B.A. (Major in Marketing) from Cranfield School of Management, Bedford, UK. He is Fellow, Institute of Chartered Accountants, England & Wales, UK.

Mr. Zafar was Chairman and CEO of United Bank Limited (UBL) from the year 2000 to 2004. At the government’s invitation, he took the helm of this nationalized institution, in order to accelerate the pace of commercialization and achieve privatization. The entire Bank was overhauled along contemporary banking lines. Operations were completely revamped; critical monitoring functions, risk management, IT and communications, were upgraded; investment banking was introduced and the business development culture was reinvigorated. A sense of commercial urgency was encouraged at all levels. This period covered major staff reduction, significant branch rationalisation, resolution of decades-old government-related issues, both credit and fiscal, and successful solicitation of government assistance for non-performing assets. 1450 branches and 16,000 staff trimmed to 1100 branches and 10,000 staff while tripling balance sheet footings. Within the first year, the organisation had turned the corner in terms of profitability. Mid way the Bank was successfully privatised to multinational owners, for a price which substantially recouped equity injections by the government. Mr. Zafar was invited by the new owners to continue as CEO in order to build on the momentum achieved and assist the new Board to settle in. Further upgrading of management, staff and network occurred and the Bank built capacity for the launch of its consumer assets activity, and reported record profits for the first full year after privatization.

Mr. Amar was also appointed as Advisor and Director of UBL in 1996 by State Bank of Pakistan where he played a pivotal role in the multi-dimensional restructuring of the bank.

In 2009, Mr. Amar relocated to Malaysia on a sabbatical. Managed a private portfolio of Financial investments, Eurobonds and equities. Studied Psychology and practiced Life Coaching. He came back to Pakistan in 2012.

Since 2012, Mr. Amar is on the Boards of Directors of 3 NGOs in Pakistan, operating in health care, and education. During this period, he served for 18 months as an Interim CEO, Greenstar Social Marketing, Pakistan’s largest NGO with focus on family planning, to spearhead its restructuring in order to position it for greater momentum. He has since stepped down from Greenstar.

Tariq Rashid

Independent Director

Tariq Rashid has more than 20 years’ experience in Management & Information Technology at senior level. He spearheaded the setup of IT infrastructure of mobile operator (Mobilink now Jazz) since inception. He led IT organization of Mobilink through different phases of Telecom industry’s life cycle i.e. infancy, growth and consolidation. He served as VP & Chief Strategy Officer for more than 5 years. He also served as a Director of Information Technology at HQ of Telecommunication company in Egypt. He successfully led few large business/Technology transformation initiatives during his career.

He served as a Director on the board of Mobilink Microfinance Bank and headed the risk committee. He served as Director on the Board of Mobile Number Portability Database (Guarantee) Limited. He also served as President on the Board of International School of Islamabad (ISOI) for more than 4 years.

He is a Chairman of the Board IT Committee of the UBL.

He holds an engineering degree from University of Engineering & Technology, Lahore and post graduate certificate in Computers from National Academy of Higher Education. He attended different management programs abroad and locally from institutes like IMD, INSEAD, MIT and LUMS.