People Strategy vs Performance Strategy: Finding the Sweet Spot | Edexec Learn how school business professionals can balance staff wellbeing with operational performance to create sustainable success. Practical strategies, quick wins and reflective questions included

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Please take a look an article I have had published by Edexec Magazine

#sbp #sbl #school #education #leadership #consultancy

Frailty Index Offers Greater Discrimination Than Age for Optimal Blood Pressure Targets: A Pooled Analysis of Two Randomized Trials | Hypertension BACKGROUND: Contemporary hypertension guidelines emphasize individualized blood pressure (BP) management, often incorporating age; yet chronological age alone may be insufficient to guide optimal trea...

Índice de fragilidad discrimina con más precisión las dianas óptimas de la presión sistólica en los hipertensos, mientras que la edad cronológica puede seguir siendo una herramienta más práctica en situaciones con recursos limitados #Frailty #SBP #targets www.ahajournals.org/doi/10.1161/...

#Mülkiye' nin değerli hocası
#TİP milletvekili
#SBP genel başkanı
Prof.Dr. Sadun Aren'i
Saygı ve özlemle anıyorum.
Not: Sadun hocamızın tablosu, Mülkiyeliler Birliği Genel Merkezi 'ne armağan ettiğim diğer tablolarla birlikte Mülkiye Kültür Merkezi'nde her zaman izlenebilir
#SadunAren

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Promoção por tempo limitado.

#repelente #repelenteeletrico
#sbp
#bbb26
#promocao
#brasileirao

It's great to be back in London for an in person CPD day; catching up with peers and colleagues and listening to some great keynote speakers.

Rebecca Beaver, Fellow of ISBL Bethan Cullen Paul Edmond

#schoolrm26 #schoolresourcemanagement #school #education #sbp #sbl

Original post on mastodon.social

Aviation weather for San Luis County Regional airport in San Luis Obispo area (USA) is “KSBP 201756Z 00000KT 10SM CLR 09/04 A3008 RMK AO2 SLP189 T00890044 10089 20011 51011” : See what it means on https://www.bigorre.org/aero/meteo/ksbp/en #sanluiscountyregionalairport #airport #sanluisobispo […]

ڈاکٹر شمشاد اختر کی نمایاں خدمات پر اسٹیٹ بینک کا تعزیتی ریفرنس
Read News : bit.ly/4tkdqc7

SBP held a condolence reference to honor distinguished services of Dr. Shamshad Akhtar
#SBP #ShamshadAkhtar #SateBank #News #Karachi #KarachiAlerts

ڈاکٹر شمشاد اختر کی نمایاں خدمات پر اسٹیٹ بینک کا تعزیتی ریفرنس
Read News : bit.ly/4tkdqc7

SBP held a condolence reference to honor distinguished services of Dr. Shamshad Akhtar
#SBP #ShamshadAkhtar #SateBank #News #Karachi #KarachiAlerts

Today has been a great day attending Operational Excellence training in Northallerton, North Yorkshire. Now to begin the 6 hour journey home!!

#opex #cpd #sbl #sbp #education

I am really pleased to have received my School Business Professional Mentor accreditation.

#sbp #education #consultancy #mentor #sbm #sbl #schooloperations

Human Albumin in Cirrhosis

#GastroAGI #Hepatology #Cirrhosis #Albumin #LiverDisease #HRS #Ascites #SBP

LIVE: MPC: SBP Governor Jameel Ahmed announces policy rate decision #MPC #SBP #InterestRate Business Recorder is the first financial daily of Pakistan. BRT offers latest news videos on Politics, Business, Sport, Life Style & Culture, Auto Mobile, and Technology. Plus everything you need to know across business, finance and more daily. BRT is your one stop home for all the latest happening from Pakistan and around the world. Subscribe To BRtube Official Youtube Channel:

LIVE: MPC: SBP Governor Jameel Ahmed announces policy rate decision

#MPC #SBP #InterestRate Business Recorder is the first financial daily of Pakistan. BRT offers latest news videos on Politics, Business, Sport, Life Style & Culture, Auto Mobile, and Technology. Plus everything you need to know…

Pakistan’s SBP Forex Reserves Increase by $16 Million Pakistan’s foreign exchange position showed marginal improvement as the State Bank of Pakistan (SBP) reported a $16 million increase in its reserves, taking total SBP-held reserves to $16.07 billion for the week ending January 9, 2026, reflecting stability supported by steady inflows and market operations. According to the SBP’s weekly data released on Thursday, the […] The post Pakistan’s SBP Forex Reserves Increase by $16 Million appeared first on TechJuice.

Nothing beats knowing the work we do at Fairmead Professional Services impacts the heartbeat of a school. Proud to share this recent client feedback. If you're a school leader looking for support with strategy, systems or operations, I’d love to chat!
#Edusky #SBP #Education

Pakistan received $3.2bn in remittances in Nov 2025, up 9.4% YoY, though inflows dipped 7% from October, SBP data shows.

#DailyScoop #PakistanEconomy #Remittances #SBP #ForeignExchange #AI

​Pakistan central bank raises PKR 979B through T-bills auction Pakistan’s central bank raised PKR 979 billion through the auction of treasury bills or T-bills on Wednesday. According to the State Bank of Pakistan (SBP), the borrowing was PKR 129 billion more than the targeted amount of PKR 850 billion. The yields for all four tenors — one-month and three-month, six-month and 12-month — fell by around 0.3 basis points (bps). The yields for one-month T-Bills fell by 0.29 bps from 10.49% to 10.20%, three-month by 0.34 bps from 10.49% to 10.15%, six-month by 0.32 bps from 10.48% to 10.16% and 12-month by 0.33 bps from 10.49% to 10.16%. The largest amount of PKR 761 billion was raised via the 12-month bill, followed by PKR 87 billion via the one-month tenor T-bills. The targets were PKR 250 billion and PKR 150 billion, respectively. The government raised PKR 80 billion and PKR 52 billion via the three-month and six-month T-bills, respectively. During the previous auction on December 24, the SBP raised PKR Rs913.14 billion against the targeted amount of PKR 1.2 trillion. The SBP has planned to raise PKR 3.25 trillion through six auctions from January to March. The maturing debt during this period is PKR 3,59 trillion. #### What are T-bills and PIBs? The Pakistan government raises money from local and foreign investors through debt instruments. T-bills are one of those instruments backed by the government. Other such instruments are Pakistan Investment Bonds (PIBs), National Savings instruments, Eurobonds, International Sukuk, etc. T-Bills are short-term, highly liquid government securities issued in 3, 6, and 12-month tenors. The State Bank of Pakistan auctions T-bills every fortnight (on Wednesdays). PIBs are debt securities issued by the State Bank of Pakistan. These bonds are issued in denominations of multiples of PKR 100,000 and available in tenors of 3, 5, 10, and 20 years. The yield on these bonds is fixed and disbursed semi-annually.

Pakistan shortlists six companies to test digital banking solutions The State Bank of Pakistan has shortlisted six applicants to test new digital financial solutions under its Regulatory Sandbox initiative, the central bank said. The selected firms will pilot their proposed products in a controlled live environment for up to six months, subject to conditions set at the time of approval. The shortlisted participants are Neem Exponential Financial Services Private Ltd, Digi Khata (SMC-Private) Limited, and Swich Retail Private Limited under the open banking theme; the Bank of Punjab under remote onboarding of merchants; and Barq Fintech (Pvt) Ltd, along with a joint application by Taptap Send UK Limited and United Bank Limited, under technology-enabled solutions for inward remittances. The Regulatory Sandbox was launched in May 2025 as part of the central bank’s Vision 2028 strategy to promote innovation in digital financial services. The first cohort of applicants was announced in August 2025, with calls for proposals across three themes: technology-enabled solutions for inward remittances, open banking, and remote onboarding of merchants. The central bank said it received strong interest from regulated financial institutions as well as local and international fintech companies. To ensure transparency and effective oversight, it has formed a high-level steering committee to oversee the process. The State Bank said it expects the initiative to encourage the development and introduction of practical, user-focused technological solutions in Pakistan’s financial sector.

USD to PKR Stabilizes as Rupee Shows Strength in Early 2026 USD to PKR rates in Pakistan on January 3, 2026, indicate growing stability as the Pakistani Rupee shows consolidation against the US Dollar. The narrowing difference between interbank and open market rates highlights improving confidence in the currency market, an indicator closely watched by the IMF and global investors. According to the State Bank of […] The post USD to PKR Stabilizes as Rupee Shows Strength in Early 2026 appeared first on TechJuice.

Improved economic indicators could lead to 'another policy rate cut' Pakistan’s strong external account position and prudent fiscal management under the International Monetary Fund loan program could result in another interest rate cut, according to a report by AKD Securities. The brokerage said falling inflation toward the lower end of the State Bank of Pakistan’s target range would support further rate cuts, while robust remittances and improved access to external commercial financing—following recent rating upgrades by S&P and Moody’s—would help finance higher imports as economic activity gains momentum. “Despite the easing cycle, we expect the SBP to maintain positive real interest rates of around 4% to 5% to prevent another boom-bust cycle,” AKD Securities said. In December, Pakistan's central bank cut the key policy rate by 50 basis points to 10.5%, bringing the policy rate to the lowest level since March 2022. #### Real rates to remain elevated The report said higher positive real interest rates are likely to become the norm, with forward 12-month real rates projected at 4% to 5%. That level is significantly above Pakistan’s long-term averages, which stand at about 77 basis points over 20 years and negative 4 basis points over the past decade. AKD Securities expects inflation to average 6.3% in fiscal year 2026 and 4.0% in fiscal 2027, supported by improved food supplies, subdued international oil prices and smaller periodic energy price adjustments. However, it warned that fiscal slippages, global energy shocks and climate-related disruptions remain key risks to the outlook. Money supply and credit growth Money supply growth is expected to slow from FY26 but remain in double digits, reflecting lower government borrowing needs amid a narrower fiscal deficit, the report said. At the same time, private sector credit is forecast to expand, led by borrowing from textiles, wholesale and retail trade, chemicals and steel. Consumer financing is also expected to pick up, particularly in the automobile sector, supported by easing financial conditions, improved sentiment and macroeconomic stability. #### External account outlook AKD Securities said Pakistan’s external account is likely to remain broadly balanced, underpinned by strong remittances and faster growth in services exports amid subdued commodity prices. However, it expects exports to decline in FY26 and food imports to rise following flood-related disruptions to agricultural output. The current account is forecast to post a surplus of about $99 million in FY26 before turning into a deficit in subsequent years as import growth outpaces gains in remittances and exports. The report projects foreign exchange reserves held by the central bank to approach $25 billion by FY28, alongside a reduction in forward and swap liabilities. #### Growth to improve gradually Economic growth is expected to remain modest but improve steadily, supported by stabilization, lower commodity prices and gains from structural reforms. AKD Securities forecasts gross domestic product growth of 4.0% in FY26 and 4.1% in FY27, driven by stronger performance in agriculture and services and continued industrial expansion. #### Inflation outlook and risks Inflation is expected to remain under control due to relatively tight monetary and fiscal policies and a stable currency, though supply-side disruptions from abnormal monsoons and flooding could push inflation above the central bank’s target range toward the end of FY26. The report estimates inflation averaged 4.5% in FY25, an eight-year low, down sharply from 23.4% in FY24, reflecting restrained domestic demand and improved supply conditions. AKD Securities said inflation could remain elevated until June 2026 and may breach the SBP’s upper target band of 7% in the fourth quarter of FY26 due to base effects. It is then expected to fall below the target range in FY27, driven by disinflation in major categories such as food, housing, clothing, restaurants and transport. Still, the brokerage cautioned that the inflation outlook remains vulnerable to geopolitical tensions, renewed food price pressures, uncertainty over administered energy prices and any additional fiscal measures.

Happy New Year!
2025, what a year, full of great opportunities.
May 2026 be filled with energy, teamwork, and shared successes, turning challenges into opportunities and achieving great things together, with good vibes along the way.

#education #leadership #consultancy #sbp #sbl #interim #sbm

SBP buys $9.7bn from interbank market in 16 months The State Bank of Pakistan (SBP) has purchased $9.7 billion from the interbank foreign exchange market over the past 16 months, highlighting continued pressure on dollar availability despite the rollover of most external loans and improved inflows. Read More: SBP Board, management saddened over demise of first governor Data shows that between June 2024 and September […]

SBP Buys $9.7 Billion from Forex Market to Stabilize Dollar The State Bank of Pakistan (SBP) purchased a net $9.7 billion from the domestic foreign exchange market between June 2024 and September 2025, reflecting its active intervention to stabilize the rupee and strengthen the country’s forex reserves, according to central bank data released Tuesday. Data shows the SBP remained a consistent buyer of dollars, with […] The post SBP Buys $9.7 Billion from Forex Market to Stabilize Dollar appeared first on TechJuice.

SBP Brings Climate Risks Into Bank Stress Testing The State Bank of Pakistan (SBP) has issued new Guidelines on Climate Stress Testing, formally bringing climate-related risks into the country’s financial stress testing framework. The move aims to help banks and regulated financial institutions better assess the impact of climate change on their portfolios and overall financial stability. SBP noted that climate change has […] The post SBP Brings Climate Risks Into Bank Stress Testing appeared first on TechJuice.

SBP, PSEB Introduce Special Banking Desks to Support IT Exporters Pakistan’s banking and technology sectors are converging as new steps aim to enhance financial access for IT exporters. The Pakistan Software Export Board is working with the State Bank of Pakistan to expand banking support for the IT industry. As part of this effort, selected consumer banking branches will host dedicated desks for IT exporters. […] The post SBP, PSEB Introduce Special Banking Desks to Support IT Exporters appeared first on TechJuice.

Engro secures $475m in Shariah compliant financing to acquire over 10000 telecom towers strengthening digital infrastructure and Islamic finance in Pakistan.

#Engro #IslamicFinance #TelecomInfrastructure #PakistanBusiness #DigitalPakistan #ShariahCompliant #TelecomTowers #SBP

SBP Conducts Large-Scale OMOs, Pumps Rs12.43 Trillion into Financial System The State Bank of Pakistan has injected Rs12.43 trillion into the financial system through Reverse Repo Purchase and Shariah-compliant Mudarabah based Open Market Operations, underscoring its continued efforts to ensure smooth liquidity and market stability. The operation reflects the central bank’s active role in managing short-term funding needs amid evolving monetary conditions. On December 19, […] The post SBP Conducts Large-Scale OMOs, Pumps Rs12.43 Trillion into Financial System appeared first on TechJuice.

Pakistan equities likely to close year on high over improved economic indicators Pakistan equities are expected to remain bullish in the last 10 days of the year due to the disbursement of a loan tranche by the International Monetary Fund (IMF), monetary easing, minimal flood impact, improved credit ratings by global agencies, and falling fixed-income yields, according to analysts. The market continued its bullish momentum during last week, driven by investor optimism following the surprise 50bps rate cut by the State Bank of Pakistan on Monday, against market expectations of a status quo. The sentiment was further boosted after the current account posted a $100 million surplus in November. The benchmark KSE-100 index inclined to achieve its highest-ever closing on Thursday at 171,960 points. However, following some profit-taking on the last trading day, it closed the week at 171,404 points, up 1,539 points or 0.91% during the outgoing week. The average volume of the KSE All-Share Index decreased by 5% to 977 million shares. Whereas KEL, HUMNL and DSL topped the volume charts with 63 million, 47 million, and 32 million shares, respectively. The market capitalization of the KSE-ALL Index increased by 0.75% to USD 66,050 million. The sector-wise market capitalization increased week-on-week in the power (5.47%), banks (3.73%), and tobacco (2.90%) sectors. During the week, foreigners were the net sellers of $12.66 million. The major selling was observed in banks ($10.12 million) and E&P ($1.06 million), while net buying was seen in power ($1.79 million). On the local side, individuals ($16.68 million) and mutual funds ($2.38 million) were the major buyers, while insurance companies were the major sellers ($8.15 million). According to an analyst at AKD Securities, investor sentiment is expected to further improve, driven by the likelihood of increased foreign portfolio and direct investment flows, amid improved relations with the United States and Saudi Arabia. This outlook is supported by the lack of alternative investment avenues and the attractive valuation of local equities, with the KSE-100 trading at a multiple of 8.1x while offering a dividend yield of 6.5%. An analyst from Spectrum Securities said that we expect the market to continue its bullish momentum & achieve another milestone in the coming days, following the December-end financial results. The cut in the policy rate is likely to have a positive impact on corporate earnings, especially for debt-heavy companies, by reducing borrowing costs and increasing profit margins. According to an analyst from Arif Habib Ltd, sentiment is likely to remain largely sustained going forward. However, with the rollover scheduled for next week, the market may face some selling pressure. The KSE-100 Index is currently trading at a PER of 8.67x against its 15-year average of 8.80x, offering a dividend yield of ~5.61% versus the historical average of ~6.18%

Pakistan’s reserves at three-year high after $1.3B inflow from IMF Pakistan's foreign exchange reserves have reached a 45-month high after receiving a tranche of $1.3 billion from the International Monetary Fund (IMF). The State Bank of Pakistan (SBP) foreign exchange reserves reached $15.89 billion by the week ending December 12. This is the highest reserves since $15.83 billion on March 11, 2022. Pakistan’s liquid foreign exchange reserves climbed to $21.09 billion as of December 12, bolstered by fresh inflows from the IMF, the country’s central bank said Wednesday. According to the SBP, total liquid foreign reserves stood at $21.09 billion. Of this amount, $15.89 billion was held by the central bank, while net foreign reserves with commercial banks totaled $5.20 billion. The SBP said its foreign exchange reserves rose by $1.3 billion during the week ended December 12, reaching $15.89 billion. The increase was mainly driven by the receipt of around $1.2 billion from the IMF under its Extended Fund Facility and the Resilience and Sustainability Facility. The latest inflow provides temporary relief to Pakistan’s external account, which has been under pressure from high debt repayments, elevated import bills and a fragile balance-of-payments position. Analysts have said the IMF disbursement has strengthened short-term buffers but cautioned that sustainability remains tied to continued reforms. “The jump in reserves is clearly IMF-driven and helps stabilize market sentiment in the near term,” said a Karachi-based economist. “However, reserves remain modest relative to Pakistan’s external financing needs, and maintaining this level will depend on program compliance, timely bilateral inflows and a durable improvement in exports and remittances.” The IMF-supported programs require Pakistan to pursue fiscal consolidation, market-based exchange rate policies and structural reforms aimed at restoring macroeconomic stability and supporting long-term growth.

SBP Reserves Surge by $1.3bn on IMF Inflow Pakistan’s total liquid foreign exchange reserves climbed to $21.09 billion as of December 12, 2025, following a sharp weekly rise driven by fresh inflows from the International Monetary Fund. The increase has strengthened the country’s external buffers and improved near-term financial stability. According to data released by the State Bank of Pakistan (SBP), central bank […] The post SBP Reserves Surge by $1.3bn on IMF Inflow appeared first on TechJuice.