
Leaking fountainhead, dry pond
Leaking fountainhead, dry pond—An honest picture of one of Pakistan’s deepest puzzles: why our banks, awash with deposits, struggle to
This page showcases the diverse body of work by Mr. Zafar Masud, encompassing his insightful articles featured in prominent local newspapers, his compelling books “Seat 1C” and “Out of the Box,” and his significant contributions and ideas pertaining to financial policy. Explore his publications to gain a deeper understanding of his perspectives and expertise across various domains.

Leaking fountainhead, dry pond—An honest picture of one of Pakistan’s deepest puzzles: why our banks, awash with deposits, struggle to

Article by Zafar Masud in Dawn “Vietnam Moment?”, published on April 30, 2026

Pakistan’s Economic Opportunity in a Fragmenting World, an article authored by Zafar Masud published in Business Recorder on April 11,

In his Dawn article published on March 25, 2026, Zafar Masud examines the structural barriers and 10-million-unit shortfall currently hindering

This Economic Growth & Policy Rate 2026 Research Paper by IPRI-OGDCL Chair Economic Security examines the potential impact of lowering

BANKS are often cast as villains for failing to allocate credit to priority sectors — small businesses, agriculture, and housing