THE RICHEST MAN IN PAKISTAN

THE RICHEST MAN IN PAKISTAN: Billionaire Mian Mohammad Mansha defies terrorism to expand bank empire   

Bloomberg Specials Written by Yoolim Lee & Naween A. Mangi / Bloomberg NewsTuesday, 09 December 2008 18:58


MIAN MOHAMMAD MANSHA, head of the Mansha family and chairman of the Nishat Group, poses for a portrait at his residence in Lahore, Pakistan, in September 2008. Mansha is regarded as one of the richest persons in Pakistan and owns textile mills, the Muslim Commercial Bank and is a major player in he cement industry. ASIM HAFEEZ/BLOOMBERG MARKETS

On a September evening when many of Pakistan’s 165 million people were breaking their fast during the Muslim holy month of Ramadan, billionaire Mian Mohammad Mansha, the country’s richest man, was deciding whether to buy an Indonesian bank.  A phone call to his Lahore office interrupted him: Turn on the television, his son Hassan implored. The Marriott Hotel in Islamabad was in flames after terrorists had detonated a truck packed with explosives. The blast, in a security zone less than a kilometer from the presidential residence, killed 53 and injured 266.

“It was terrifying,” says Mansha, 61, chairman of the Nishat Group financial, textile and cement-making empire, who says he stays at the Marriott when he’s in the capital. Just hours before the blast, Asif Ali Zardari, Pakistan’s new president, had vowed to rid the country of the “cancer” of terrorism.

As Pakistan battles extremist-inspired violence and its worst economic crisis in a decade, Mansha says he’s keeping Nishat Group’s expansion on track.

At home, where his MCB Bank Ltd. is the biggest lender by market value, he was in talks in October to buy a rival he declines to name. He’s looking at four banks in Indonesia, the only country with a bigger Muslim population than Pakistan.

By May, he’ll open a machinery and automobile leasing company in Azerbaijan, a predominantly Muslim country between Iran and Russia. He’s eyeing Kazakhstan and the Mideast for banking. And he’s also looking at Canada, with a Pakistani community estimated at more than 300,000 people.

Mansha started building in the decades of upheaval that followed Pakistan’s split with India after their independence from Britain in 1947.

Now he’s taking a cue from entrepreneurial Indians. Billionaire Mukesh Ambani, chairman of Reliance Industries Ltd., and Ratan Tata, chairman of Tata Group, expanded as India grew at an average annual rate of 8.8 percent in the five years ended on March 31, 2008.

Pakistan almost kept pace with its larger neighbor: Its gross domestic product rose at an average of 7 percent during the five years that ended on December 31, 2007.

“I want to be the first Pakistani, like some of our counterparts in India, to really go out and show that we Pakistanis can even be successful outside Pakistan,” Mansha says two days after the Marriott bombing.


LABORERS work in the stitching department of Nishat Mills, a textile company owned by Mian Mohammad Mansha, in Lahore, Pakistan. With an array of 500 modern new-generation machines, the stitching department has an average capacity to process up to 1.3 million meters of fabric per month. ASIM HAFEEZ/BLOOMBERG MARKETS


Mansha is optimistic during a dire period for Pakistan.

On December 27, 2007, Zardari’s wife, former Prime Minister Benazir Bhutto, was killed in a gunfire and suicide bomb attack. Political wrangling followed, leaving a power vacuum.

In September, Zardari was elected by Parliament as a civilian president in a country dominated by a military that had 619,000 members in 2006, according to the Center for Strategic and International Studies.

Since his election, US forces in Afghanistan have stepped up raids into western Pakistan, targeting Taliban and al-Qaeda fighters who move at will across the border of the lawless area. Pakistan’s rivalry with India adds to the anxiety, as both countries possess nuclear bombs. Relations have improved since a 2003 cease-fire over the disputed territory of Kashmir. Foreign ministers of both countries pledged to advance their more than five-year-old peace process in a meeting in New Delhi on November 26.

Later the same day, terrorists stormed five-star hotels and tourist sites in Mumbai—India’s financial capital—killing 195 people. A little-known domestic militant group called the Deccan Mujahadeen claimed responsibility.

India will “go after” individuals and organizations behind the attacks, Prime Minister Manmohan Singh immediately said in a televised address, without identifying the nations. The next day, Indian Foreign Minister Pranab Mukherjee said elements from Pakistan were behind the attacks. Pakistani Foreign Minister Shah Mahmood Qureshi challenged India to provide evidence of a link. Pakistan, which has fought three wars with India, has denied any role.

The deadliest attacks in India in 15 years have heightened tension in the region, says Robert Broadfoot, the Hong Kong-based managing director of Political & Economic Risk Consultancy Ltd. “It’s a very serious situation,” he says. “War is not the most likely scenario but it’s a possibility.”

“My biggest worry is whether it will fuel nationalism in the country and play into extremism,” Broadfoot says. “Emotions run very, very high. How you can channel these emotions into something positive is a major challenge for any country.”

Mansha says escalating tensions between Pakistan and India would be disastrous for the region. “I still strongly believe in détente between India and Pakistan and opening up trade facilities,” he said in a telephone interview after the Mumbai attacks. “That will lead to a situation where misunderstandings will become less between the two countries. I would urge our leaders not to waver from what has to be done. The relationships have to be strengthened.”

Mansha cautioned that harm would come from backtracking on progress the countries have made in their ties. “If we do get into a defensive mode again or closing our minds, that will serve the terrorists,” he said. “We need to have courage and move forward.”

Concern about the Mumbai attacks comes as Pakistan again is trying to skirt default after having once avoided that abyss with a $600-million International Monetary Fund loan in 1999. That year, Pervez Musharraf seized power in a military coup. He named himself president in 2001. Record remittances from Pakistanis overseas and investments by international companies spurred the strongest economic run in decades.

By 2008, Pakistan was again seeking IMF help. Just days before the Mumbai terror attacks, it won final approval on a $7.6-billion loan package after foreign reserves shrank 74 percent to $3.5 billion in the 12 months ended on November 8. The Karachi Stock Exchange 100 Index, which had more than doubled to become the world’s best performer in 2002, tumbled 35 percent in 2008 as of December 2.

The exchange imposed trading curbs on August 28, preventing shares from dropping below their August 27 levels. Inflation jumped to a 30-year high of 25.3 percent in August, and the Pakistani rupee plunged to a record 83.40 to the dollar in October. All of that came on top of the global financial crisis. Europe and Japan fell into recession in the third quarter.

Mansha, who estimates his fortune at about $4 billion, says the world’s economic woes are making companies cheaper for people like him who have money to spend. He added to his purse in May by selling 20 percent of MCB Bank to Malaysia’s Malayan Banking Bhd. for $907 million. That gives him about $1 billion for takeovers in the next 12 months.

“It’s an opportune time for us,” Mansha says, wearing a crisp white shirt with gold cuff links, a red tie and dark slacks in his office, where Perfect Hostage: A Life of Aung San Suu Kyi is one of about 100 titles on a ceiling-high bookshelf. Democracy advocate and Nobel Peace Prize winner Suu Kyi is under military house arrest in Myanmar.

Mansha isn’t a typical meeting-going executive. He hashes out deals on his mobile phone, often while walking alone in a park across the street from the Lahore home he shares with his wife, Naz, and his three US-educated sons and their families.

“He maintains a low profile, and his people are guided to be the same,” says Muhammad Farid Alam, chief executive officer of AKD Securities Ltd., one of Pakistan’s largest broker-ages. If Mansha doesn’t identify himself, people may not recognize him, Alam says.

Mansha keeps his business in the family. Eldest son Raza, 36, graduated from the University of Pennsylvania in 1994 with a bachelor’s degree in international relations. He runs D.G. Khan Cement Ltd., Pakistan’s second-biggest cement maker. Umer, 35, oversees Nishat Group’s textile ventures.

Hassan, 28, is in charge of the power business. Hassan’s wife, Iqraa, 26, heads a venture that plans a luxury hotel in Lahore with Le Meridien, which is owned by Starwood Hotels & Resorts Worldwide Inc.

“You will never see my sons in parties,” says Mansha, whose view out his office window includes Lahore’s oldest golf course. “We keep to ourselves and try to do whatever we have to do.”

So far, MCB Bank has dodged the global credit crunch.

With Pakistan’s banking system in its infancy, most lenders stick to such basics as savings accounts. They’ve avoided the high-risk loans and derivatives that got their US and European counterparts into trouble, says Syed Ali Raza, president of National Bank of Pakistan, the country’s biggest lender by assets.

MCB Bank’s net profit rose 10 percent in the quarter ended on September 30 on revenue of 12.8 billion rupees ($160 million), up 31 percent from a year earlier. At the end of September, MCB was able to cover 90 percent of potential loan losses, says Abdul Shakur, an analyst at Invest Capital & Securities Ltd.

MCB says its capital adequacy ratio—a measure of capital reserves compared with assets at risk—was 16.21 percent at the end of September, among the best in the world. Mansha’s D.G. Khan Cement had a 223 million rupee loss in the quarter as loan costs rose. A year earlier, profit was 267.9 million rupees.

Nishat Group’s five publicly traded companies—Adamjee Insurance Ltd., D.G. Khan, MCB Bank and textile ventures Nishat Mills Ltd. and Nishat (Chunian) Ltd.—contributed 7.2 percent of the Karachi index’s market value as of December 2. Nishat Group has nine privately held units, including charter jet operator Pakistan Aviators & Aviation Ltd. and a company that makes bags for cement. They provide many of Pakistan’s goods and services.

“The typical narrative on Pakistan is a war-and-terror type of perspective,” says Soofian Zuberi, Hong Kong-based head of Asia equity capital markets at Merrill Lynch & Co., which advised on MCB’s 2006 share listing in London and the stake sale.

“Nishat Group demonstrates the potential for companies in Pakistan to make profits, reinvest those profits in the country and generate strong returns.”

MCB Bank shares have been a bright spot for investors.

The stock returned an average of 55 percent a year in the 10 years ended on October 31. That compares with 28 percent annually for the Karachi index. In 2008 through December 2, MCB’s shares dropped 41 percent as the rupee and foreign exchange reserves fell.

“It’s a very good bank, which is operated very professionally,” says Mark Mobius, executive chairman of Templeton Asset Management Ltd., which counts MCB among its $30 billion of emerging-market stocks. “Pakistan is going through some difficult times, but the good news is that we now have a democratic government, and business goes on.”

Mansha says Zardari’s fledgling democratic government, working with entrepreneurs like him, can help stabilize Pakistan by providing jobs to curb poverty in South Asia’s second-largest economy.

Nishat Group employs 30,000 people, more than any entity in Pakistan except the government. Two-thirds of Pakistanis live on less than $2 a day. Many of the poor live in areas bordering Afghanistan where terrorists pay otherwise unemployed recruits.

“Pakistan today is an epicenter both of global terrorism and the fight against religious extremism,” says Dipankar Banerjee, director of the New Delhi-based Institute of Peace and Conflict Studies. “Pakistan has to take a hard stance and develop a strong democratic culture of governance.”

Mansha says he saw poverty-born violence firsthand after he took over D.G. Khan Cement in 1992.

One of its factories was in Punjab province in northeastern Pakistan. The quarry was in a tribal area through which 11-kilometer-long conveyor belts ran.

When Mansha inspected the site, local people tried to shoot at him. He told managers to give them jobs, even if the work was menial, such as lifting cement bags. He says he built the area’s first medical facility. He says these efforts cut down violence and helped his business grow.

Pakistan’s cement exports to Afghanistan, India and the United Arab Emirates rose 57 percent to 2.5 million tons in the quarter ended on September 30, according to KASB Securities Ltd., a Karachi-based brokerage.

“The issue of terrorism that we have to face at this moment has to do with employment and poverty,” Mansha says. “We will sooner or later create conditions by putting money in these areas. We must create jobs.”

Mansha has his share of detractors. Saeed Ghani, a labor leader who was fired from MCB Bank more than 10 years ago, led a strike that shut 120 branches in July. The strikers protested the threatened firings of a dozen current union members and demanded that dismissed workers be rehired.

“Mansha is manipulative and two-faced,” says Ghani, speaking of his frustration in trying to get the union members reinstated. Ghani says his father, Usman Ghani, a former MCB trade union leader, was shot to death in 1995 by an unknown gunman on Karachi’s streets.

Mansha says he’s never met Saeed Ghani and doesn’t know anything about the killing.

Karachi, Pakistan’s financial capital, exemplifies the nation’s extremes. Migrants live on the sidewalks and work on construction sites while businessmen and fashion designers buy million-dollar homes near manicured parks and shopping malls. Bankers sip cappuccino, and students hang out at McDonald’s.

Mansha’s 29-story MCB Tower, the nation’s tallest building, rises above the bustling business district. Outside the cities, the poor live without sanitation and heat makeshift stoves with buffalo dung. Children die from complications of preventable maladies such as diarrhea.

Mansha’s Lahore office is about 3 kilometers from his house on Main Gulberg Road, where he’s lived for 37 years. Marigolds and roses grow in flowerpots near a door made of wood carvings that are more than 100 years old. Inside, a living room containing white sofas leads to the family dining hall and its two round tables, each large enough to seat 10.

Mian Mohammad Yahya, Mansha’s father, and his five brothers left their home in Calcutta, now called Kolkata, India, in 1947. They moved to Faisalabad, near Lahore, and started the family’s cotton business.

Mansha was born that same year, amid the mass migration that defined Pakistan’s split with India when Britain abandoned its rule. The brothers called their cotton company Nishat Mills after Nishat Haroon, a grandson of the eldest brother.

The Korean War of 1950-53 sparked a cotton boom as demand surged for uniforms, bandages and tents. Mansha attended Sacred Heart School, a coeducational convent school run by nuns. He enrolled for its academic standards, not for religious reasons.

He went on to study accounting at Hendon College in London, returning to Pakistan in 1968 before getting a degree because his father had developed cancer. He married Naz Saigol, a former classmate from his hometown who was the daughter of industrialist Yusuf Saigol. It was partly an arranged marriage, as their parents were friends, Mansha says.

When his father died in 1969, Mansha, then 22, bargained with his uncles for Nishat Mills’s operations in Faisalabad rather than its other factories. His father’s friends warned him not to take over operations in East Pakistan.

Created at the partition of India, East Pakistan was a Muslim-majority province separated from West Pakistan’s power center by more than 1,000 miles. His uncles lost everything when East Pakistan won independence as Bangladesh in 1971.

Mansha became CEO of Nishat Mills, which today has the nation’s largest textile processing and sewing facilities and counts Gap Inc. and Sears Holding Corp. as customers.

As Mansha grew as a textile entrepreneur, Pakistan’s banking industry was locked in government hands. In the 1990s, political rivals Nawaz Sharif and Bhutto alternated power as Pakistan began economic reforms.

Under Sharif, banks got professional boards and made cash provisions for doubtful loans. Bhutto put state-run banks, energy and cement companies on the block. The government handled 165 sales worth 458 billion rupees from 1991 to 2007, according to Pakistan’s Privatization Commission.

Mansha and 11 other entrepreneurs formed National Group in 1991, which won the right to acquire Muslim Commercial Bank, today’s MCB. Their bid was the third highest of five. Even so, Sharif’s government chose it.

Farooq Leghari, who was federal minister for finance in 1993, told the Senate at the time that National Group had won because of ties to Sharif.

“It did not happen by coincidence,” said Leghari, according to Shahid-ur-Rehman’s 1997 book Who Owns Pakistan? Leghari, who served as Pakistan’s president from 1993 to 1997, declined to comment for this story.

Mansha recalls the incident clearly.

“When we bid for this bank, somebody else also bid much higher than us, a person with dubious reputation,” he says, without naming anyone. “He probably had no genuine intent. He wanted to stall us.”

Mansha says he didn’t have ties to Sharif.

“People think that we bought a lot of things during Nawaz Sharif’s time and that I am very close to him,” he says. “I have never met Nawaz Sharif, one to one, in my life. I have never met Mr. Zardari in my life other than at one wedding. I never met Benazir Bhutto. I have never bribed anyone.”

When Bhutto regained power in 1993, she criticized Sharif’s sales as lacking in transparency. To escape scrutiny, Mansha left Pakistan, says a person close to him who was involved in the MCB deal.

Mansha says he went to Boston for a year and a half. “I had some problem,” he says, declining to elaborate. He spent time with his son Umer, who was at Babson College in Wellesley, Massachusetts. Mansha returned in 1996, when Bhutto left power for the final time.

At MCB, Mansha made decisions that sometimes went against his executives’ advice, says Farid Khan, director for equities at Credit Suisse Pakistan Ltd., who formerly headed MCB’s asset management unit.

Khan says Mansha was usually right.

“Maybe it’s his intuition, his vision, maybe his good luck, but one learns and respects his decision-making ability,” Khan says.

When MCB Bank was readying the sale of $150 million of global depositary receipts in June 2006, the Karachi index tumbled to a seven-month low. Khan urged postponing the sale. Mansha pushed ahead, saying the drop would be temporary. The bank got offers for $707 million of GDRs, more than quadruple the amount available.

Mansha can be ruthless, people who have known him for years say. With MCB, “after he got control, he didn’t spare even friends and family who were defaulters,” AKD’s Alam says.

He even turned down a loan request from a childhood friend, which strained their relationship.

“There had been incidents like this even with family members where temporarily there had been hard feelings,” Naz Mansha says. “It takes a lot to refuse somebody you are so close to.”

Mansha monitors each Nishat Group company by talking with 20 to 30 managers a few minutes every day. “You could be hanging from a thread off a cliff, and he’ll let you be, but he won’t let you fall,” says Ahmed Jahangir, a nephew of Mansha’s who oversees Nishat Mills’ textile business as executive director.

The boss knows the bottom line by staying in touch through random calls. “A bad month or a good month, he doesn’t have to be told,” Jahangir says. “He knows exactly what’s coming.”

Mansha molds his executives to be like him, AKD chairman Aqeel Karim Dhedhi says. “He protects his own interests,” Dhedhi says. Mansha says he personally makes key strategic decisions, such as choosing to sell the MCB Bank stake to a state-controlled lender in Malaysia rather than to the public companies in Europe the bank had considered.

Mansha strengthened his control as Nishat Group grew, Dhedhi says.

“Earlier, one heard Mansha had a different image, but after the acquisition of MCB, he has brought great discipline,” he says. “Nishat Group is one of the best-run groups in Pakistan.”

Mansha’s wider ambitions run from power production to agriculture. “The future of the world will belong to whoever can harness energy and food,” says Mansha, who’s been buying land for a new business of large-scale farming.

Agriculture is the biggest job source for Pakistanis, accounting for 44 percent of the labor force and 21 percent of GDP in 2007. If yields of major crops—wheat, sugar cane, cotton and rice—match Egypt’s in five years, Pakistan may add 11.5 percentage points to its annual agricultural GDP growth and 2.4 points to total GDP growth, Karachi fund management firm Arif Habib Investment Management Ltd. says.

Mansha’s family is playing a leading role in Nishat’s expansion.

Naz Mansha supervises some of the eight factories that handle every phase of textiles—from spinning and weaving to dyeing and sewing. She’s opened Nishat Linen in a swanky, five-story glass building in Lahore, one of three Nishat stores that feature sheets, tablecloths and aprons in exotic prints.

“Textile is in my blood,” says Naz, sporting a floral shalwar kameez, a traditional outfit worn by women and men, as she shows off a factory in Lahore. Men wearing shalwar kameez sit at a dozen rows of sewing machines, stitching blue sofa covers for Sure Fit Inc., one of the largest US providers of ready-made slipcovers.

Such factories show how Nishat Group has grown during six decades of turbulence. If Mansha can expand with the economy in shambles and a new government struggling with violence, he may provide a model to help Pakistan’s companies—like their neighbors in India—move onto the world stage. n

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47 responses to “THE RICHEST MAN IN PAKISTAN

  1. Mr. mansha may be the richest man in pakistan but sadly enough he is probably one of the most corrupt as well. He dodged privatisation commossion by making payment for the second tranch for purchasing MCB by raising a loan from the bank for ARY group and then having the proceeds of loan sent as payment for the shares of the bank. This loan was later written off against the profits of the bank. So the depositors of the bank were the ones who paid for the acquisiation of the bank. His muddling in the affairs of MCB and corporate governace practices in the bank leave a lot to be desired. he pays for all of his personel expenses through MCB, a crime for which he would have been put behind bars in any civilised country. He just too big to touch. not even by the regulator of banks the poor SBP.

  2. But I am sure as hell that nothing would stop the bank and his whole business empire from degenerating as his style is professional but rather running the whole thing as his personal fiefdom. Unfortunately Pakistan is kept hostage by such elements and will ultimately go down taking along with them the land of the pure.

  3. It is hard to find a rich man – filthy rich, that is – who is honest and who does not bribe. I am sure that Mansha is one of the most corrupt groups in the country. No wonder Mansha has to repeat that he never bribes. So sad that our so-called role models have to be so corrupt.

  4. Puhleaze! Ameer Hamza, talk about throwing the basic tenets of logic and law out the window! You are assuming Mansha is corrupt, just because he is rich?! Ever heard a phrase that goes something like, “Innocent until proven guilty”?

    Once you dismount your high horse, sired by self-righteousness and carried to term by moral absolutism, you may agree that, at some level, all of us are “corrupt”, i.e. we all have faults and we all compromise. In general, Mansha has a very sound reputation in Pakistan and is spoken-of highly by competitors as well as former employees. All power to him. I’d like to see him emerge as a global player who can favourably represent Pakistani business internationally.

    We need more Manshas and less (less=no) Fazlur Rahmans.

    p.s> yes, zubair, everything will go down and crash and burn and then we will all clap for you, because you were right all along!

  5. i think, its hard to say about any person, that who can be loyal, but i am agree with TechLahore that instead of having Fazlur Rahmans we should have more Mian Mansha

  6. i think he is a good man for Pakistan because he has lot of assets in Pakistan

  7. I cant understand what you are going to narrate here

  8. Karachi-Born Entrepreneur Buys Italian Fashion House
    Born in Karachi, 42-year old Asim Abdullah made his fortune from hi-tech investments, notably the sale of his company Veo Systems, to Commerce One, the business-to-business internet marketplace. Last summer, the entrepreneur was spotted in Paris at Ungaro’s fashion show, the first clue that the Silicon valley millionaire was to become a fashion sugar daddy. The luxury label, best known for its brightly hued floral designs, is being sold by Salvatore Ferragamo, the Italian footwear firm, for an undisclosed price. Ungaro’s resident designer, Vincent Darre, will be dumped in favour of a designer with fresh vision, whose identity has not yet been decided on

  9. All credit to Mian Mansha, we need more people like him. Employs 30,000 people , is that not the type of person we want?

    Go Mansha Go

  10. he is a grate man he give the job of pakistan

  11. mehboob ellahi marine engineer (multan )

    he is a dedicated andwell brain person who is doing some thing for pakistan and people of pakistan . Allah give more strength to mansha for pakistan

  12. i wana say 2 mr manhsa do somthing 4 pakistan u can do alots if wana do thanks

  13. imtiaz ahmed sipra

    All credit to Mian Mansha, we need more people like him. Employs 30,000 people , is that not the type of person we want?geo mansha geo

  14. i am interested loking and meet tha richest pepule in pakistan and lahore.thanks

  15. mr .mansha you have every thing every thing u want to get it easily but do you need heaven in your next life .if you need then ask from me how you will get it so simple i will give u daq garantee the thing is that you will get it when you will give fuul hapiness to like that type of person he wants to die bec of some reasons make sure heaven in ur next life

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  17. i like Nishat garments they are for high class and decent

  18. i want personal house address of MIAN MUHAMMAD MANSHA or cell number or i want to meet him face to face…i knw he is very busy person but i want and i’m searching the house address or personal email address of MIAN MUHAMMAD MANSAH

  19. Respected.i m running a NGO in pakistan for the beterment of small children,we need donors.plz help us

  20. daer contect me is argent

  21. I am disable my left arm with shoulder removed my education is m.a my project is under construction please my help thankyou

  22. I am Pakistani but never lived in Pakistan. Due to recession I decided to travel toward the third world, where I have chosen my mother land which is obviously Pakistan. Now I was looking for the right people in Pakistan to work with. With a proven track record of success in the business& investment services, I Believe my experience would contribute greatly towards the continued success of Nishat Group I have not enclosed my resume.(Reason obviously understandable)
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  25. DEAR UNCLE
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    main apsa halp chata ho or main thalassemia ka pashint ho or muja apsa help chaia k main chacup k liya bahir jana chata hoon OR acha sa hospital say chacup karana chata ho or mera pas itna passa be ni k main khud sa chaup karaha lo or mara dil chata k main THEEK ho jao plz uncle

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  26. when i see the list of richest people of Pakistan , then i see our shame less polititation are the richest person of Pakistan .
    either people of Pakistan wants those politition who only v come in our poor country and after getting Governmemt that increase their assests and then go away fron m Pakistan
    what role play our army in our country just occiupied the natural resources of Pakistan and where is our chief justices ? i think it is enough.we need fair lwader and fair army

  27. ALLAH give every thing to Pakistan , but our people inculding me are not fair with our great Mother home land . that is shame less plz think the poor people of pakistan i want to adress all the richest community of Pakistan either Bueeiness , eithrt polititation , our ARMY ,and also people who are working in the different depatrment of Pakistan plz lets fair now . next time we only play our role in the benifits of our country . and also remember the final Judgment day wnen all of us are in the court of ALLAH , and our HOLY PROPHET MUHAMMAD (PBUH) than in which way we are give our

  28. ALLAH give every thing to Pakistan , but our people inculding me are not fair with our great Mother home land . that is shame less plz think the poor people of pakistan i want to adress all the richest community of Pakistan either Bueeiness , eithrt polititation , our ARMY ,and also people who are working in the different depatrment of Pakistan plz lets fair now . next time we only play our role in the benifits of our country . and also remember the final Judgment day wnen all of us are in the court of ALLAH , and our HOLY PROPHET MUHAMMAD (PBUH) than in which way we are give our HISSAB?
    PLZ THINK ON IT . THANKS

  29. mansha,ka bura waqt kareeb tareen hae

  30. mansha ,apnay ap ko feron samajhta hae
    iski barbadi kareeb hae

  31. bohat jald mian mansha road par goga

  32. Anonymous United Kingdon

    People like Mr. Tariq are the ones who can’t and have never achieved anything in life and can just criticize and give opinions for no reason at all. For Godsake keep your fatwas to your self. The man is trying to do something good for the country which not you not me not anyone has done ever so spare him from all this if you can. He’s the only billionaire of Pakistan listed in forbes and byt the grace of god employs and benefits pakistans economy by 17percent people. If Nishat mills alghazi tractors and MCB wouldnt have been there what would have happened to Pakistan? He’s doing a good thing and achieiving what none of us can imagine so let him do the work and Mr. Tariq leave the fatwas and let him do what he can for the people of pakistan. Cheers

  33. Dear Sir,
    Islamabad is the capital of Pakistan the tenth largest city in the country. The population of the city is growing fast. Islamabad is home to many migrants from other regions of Pakistan as well as foreigners.
    Almost all other countries of the world have their embassies in the capital city of Pakistan. Many embassies are working in the field of health, education advancement of infrastructure and human rights for the betterment of the people of Pakistan. But since inception of Islamabad Katchi abadies were ignored badly. The survey of these Katchi abadies(shanty Slums)of Islamabad was undertaken during 1996 with the objectives to gain an understanding of the demographic and socio-economic characteristics of the NGOs in these areas .another aim of the survey was to provide background information to your good self for the improvement of slums and Katchi Abadies (shanty slums)located in the capital of the country.
    Universal Human Rights Organization (UHRO)is very active for the betterment of the residents of the area in the shape of free medical camps, free vocational trainings, organization of temporary primary education centers for girls and boys with our limited sources. But we are facing a great deal of difficulties due to shortage of funds etc. We want to create a friendly environment for education, health and social problems. You would appreciate that education can address all these social, economic and cultural issues and this can only done through bringing education to the door steps of these down trodden and misery ridden lot of people. All other existing NGOs have proven to be inadequate to cope up the issue.
    UHRO is trying to set up permanent centers in the slums for the uplift of the residents to shape them into a responsible, literate and self confident people to earn their livelihoods.
    We request you to help UHRO for the fundamental facilities of education, health and infrastructure and fulfill our responsibilities for the ever suffering people of these Katchi abadies.
    Respectful regards,

    Shahbaz M.Nar
    Chairman Universal Human Rights Organization®
    Office 1 Street 5, Near Inquiry stop, Christian Colony Sector G-7/2 Islamabad, P.O Box#572
    Tel:+92-51 2606566,Mobil:+92-300-5543076 Web: http://www.uhro.org.pk,E-mail:info@uhro.org.pk

  34. hello sir
    i am ali zafar and i have a plot at very hot place lakshmi chok lahore sir and there is no big mall for shoping and nothing other for entertainment of the people and there is no bank at all
    sir its on main road with 76 feet of front and there is total area of 50 marlah comercial area
    sir if you intrested then call me
    03222139998
    tanx sir

  35. wow
    poor pakistan
    and riches people
    how best combination
    pakistan khappyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyyy

  36. sir, iam poor, so I can not study please help me…

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  38. i think we had to kill them all for the peace in Pakistan because these peoples think that they own this country and the peoples inside .. they are may be Muslims or they could be illuminates inside us may be they don’t know that they are hiding Devil inside them they just want to rule poor’s but if poor’s came over them one day then they had to remember the revolting day in France when poor’s killed all rich person’s living with in the pairs they are thinking that they are the Gods of the earth they can kill rape or do anything with any one and no one will never going to ask them ..but if when poor person’s of this country took stand against them they they will not going to find any where to hide from them and if they would kill us all i want to tell them all who want to be a God in this world like a Firoon that there force/power is limited for this world you all gonna die one day then you will face and answer Allah(SWA) they what will you say in front of Allah then what will you say to him when you would be questioned one day.. i hate them all who don’t take a person as a human i hate them all i may going to kill them all one by one isi or any one else is reading this i don’t care because i really don’t care for them richest families listen to me if you don;t want to become human then prepare to become a dead man!!!i swear that no one can do more then killing me thats all chchchchchchchc…nothing more you can do

  39. HEELO EVERYONE HOW ARE U? I M AYSA FROM BANGLADESH,AND I M 25 YEARS OLD,MY FATHER IS DIED AND ME OR MY MOM SUFFERING,MY MOTHER IS SICK ,I NEED ECONOMICALY HELP,PLEASE
    ANY KIND PERSON JUST HELP ME,I M IN BAD CONDITION.MY CONTACT NUMBER: +008801766492259 AND MY EMAIL: aysarahman@yahoo.com. I WAITING FOR YOUR HELPING HAND.

  40. السلام عليكم ورحمة الله وبركاته
    Hello every body, I am a graduate, I have no job now a days, I have sufficient experience, I do not need any financial help, I need some job , any kind of job from which I can earn at least 20,000/- per month , I can work for any person who can afford my above salary. plz give me a chance if some one have oppertunity. I will be thankful for ever.

    Shahid Javaid
    0300-4557364
    0313-4337095
    Lahore-Pakistan.
    shahidlatifpk@gmail.com

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  42. I need financal help to suport my famly.

  43. maney bhoat mahnat say study ki h magr job ni mili koi agr mery madad kr day to very thanks 03117959450

  44. Aslkum. How r u venerated sir. I belong to very nice family. I have DXN very precious products for sugar disease, for kidney ,Hepatatis and for Heart problems.If one wil use it, i assure, he/she wil obtain best results inshaaAllah.u can contact me. u r welcome.0300-46 46 400.Nice greetings

  45. farzana asgar

    suniye ak mah ki pukar. main 20 sall sy dikhy kha rhi hon. 0313 4052595 is my contact number. plz help me.

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