{"id":311,"date":"2025-10-29T05:39:56","date_gmt":"2025-10-29T05:39:56","guid":{"rendered":"https:\/\/esaac.co\/urdu\/\/?page_id=311"},"modified":"2026-01-22T11:07:42","modified_gmt":"2026-01-22T11:07:42","slug":"team","status":"publish","type":"page","link":"https:\/\/esaac.co\/urdu\/team\/","title":{"rendered":"\u0679\u06cc\u0645"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section el_class=&#8221;mb&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]ESAAC \u06a9\u0627 \u0642\u06cc\u0627\u0645 \u067e\u0631\u0648\u0641\u06cc\u0634\u0646\u0644 \u0628\u06cc\u0646\u06a9\u0631\u0632\u060c \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631\u0632\u060c \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u0632\u060c \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u0679\u0633\u060c \u0645\u0627\u06c1\u0631\u06cc\u0646\u0650 \u0645\u0639\u0627\u0634\u06cc\u0627\u062a \u0627\u0648\u0631 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679\u0633 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\u062f\u06cc\u06ba:<\/p>\n<ul>\n<li>World Bank-IFC<\/li>\n<li>National Bank of Pakistan<\/li>\n<li>ABL<\/li>\n<li>Soneri Bank<\/li>\n<li>NAFA<\/li>\n<li>Askari General Insurance Company Takaful Window (AGICO)<\/li>\n<li>Emirates Global Islamic Bank (now Al Baraka Bank Pakistan)<\/li>\n<li>UBL<\/li>\n<li>Yasaar Ltd \u2013 UAE &amp; UK<\/li>\n<li>Minhaj Advisory \u2013 UAE<\/li>\n<li>Arif Habib<\/li>\n<\/ul>\n<p>\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0645\u062a\u0639\u062f\u062f \u0635\u06a9\u0648\u06a9 \u06a9\u0627 \u0633\u0679\u0631\u06a9\u0686\u0631 \u062a\u06cc\u0627\u0631 \u06a9\u06cc\u0627 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u06cc\u06ba \u0645\u06cc\u06ba \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u06a9\u0627 \u0633\u0628 \u0633\u06d2 \u0628\u0691\u0627 \u0635\u06a9\u0648\u06a9 \u0628\u06be\u06cc \u0634\u0627\u0645\u0644 \u06c1\u06d2\u060c \u062c\u0633 \u0645\u06cc\u06ba \u0627\u06cc\u06a9 \u0633\u0648 \u0627\u0631\u0628 \u06a9\u06cc \u0645\u0627\u0644\u06cc\u062a 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class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0645\u062d\u0645\u062f \u0633\u0644\u06cc\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u06cc\u0633\u0631<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0688\u0627\u06a9\u0679\u0631 \u0634\u06cc\u062e \u0633\u0644\u06cc\u0645\u0627\u0646 \u0628\u0646 \u0645\u062d\u0645\u062f \u0627\u0644\u062c\u0648\u06cc\u0633\u0631 \u062c\u0627\u0645\u0639\u06c1 \u0627\u0645\u0627\u0645 \u0645\u062d\u0645\u062f \u0628\u0646 \u0633\u0639\u0648\u062f \u0627\u0633\u0644\u0627\u0645\u06cc \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0633\u06d2 \u06c1\u0627\u0626\u0631 \u062c\u0648\u0688\u06cc\u0634\u0644 \u0627\u0646\u0633\u0679\u06cc \u0679\u06cc\u0648\u0679 \u06a9\u06cc \u0627\u0633\u0644\u0627\u0645\u06a9 \u0634\u0631\u06cc\u0639\u06c1 \u067e\u0648\u0644\u06cc\u0679\u06cc\u06a9\u0633 \u0645\u06cc\u06ba \u067e\u06cc \u0627\u06cc\u0686 \u0688\u06cc \u06a9\u06cc \u0688\u06af\u0631\u06cc \u06a9\u06d2 \u062d\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4\u00a0\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u0644\u0631\u0627\u062c\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0648\u0631 \u0627\u0644\u0631\u0627\u062c\u06cc \u062a\u06a9\u0627\u0641\u0644 \u0645\u06cc\u06ba \u0633\u06cc\u0646\u0626\u0631 \u0634\u0631\u06cc\u0639\u06c1 \u0645\u0646\u06cc\u062c\u0631 \u0627\u0648\u0631 \u0634\u0631\u06cc\u0639\u06c1 \u0628\u0648\u0631\u0688 \u0633\u06a9\u0631\u06cc\u0679\u0631\u06cc \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-340\" href=\"#team-%da%88%d8%a7%da%a9%d9%b9%d8%b1-%d8%a7%d8%b0%d9%86%d8%a7%d9%86-%d8%ad%d8%b3%d9%86\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/dr-azhan-hasan.jpeg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u062d\u0633\u0646\">\n                                                                        <h3 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u062d\u0633\u0646<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-340\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/dr-azhan-hasan.jpeg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u062d\u0633\u0646\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u062d\u0633\u0646<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u062d\u0633\u0646 \u060c \u067e\u06cc \u0627\u06cc\u0686 \u0688\u06cc \u060c \u0627\u06cc\u06a9 \u0628\u06cc\u0646 \u0627\u0644\u0627\u0642\u0648\u0627\u0645\u06cc \u0634\u06c1\u0631\u062a \u06cc\u0627\u0641\u062a\u06c1 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u0633\u06a9\u0627\u0644\u0631 \u06c1\u06cc\u06ba \u062c\u0648 \u0639\u0627\u0644\u0645\u06cc \u0633\u0637\u062d \u067e\u0631 \u0627\u0633\u0644\u0627\u0645\u06cc \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u06a9\u06cc \u062a\u0631\u0642\u06cc \u0645\u06cc\u06ba \u0633\u0631\u06af\u0631\u0645 \u0639\u0645\u0644 \u06c1\u06cc\u06ba\u06d4 \u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u06a9\u0648 \u0645\u0646\u062f\u0631\u062c\u06c1 \u0630\u06cc\u0644 \u0645\u0648\u0636\u0648\u0639\u0627\u062a \u0645\u06cc\u06ba \u062e\u0635\u0648\u0635\u06cc \u0645\u06c1\u0627\u0631\u062a \u062d\u0627\u0635\u0644 \u06c1\u06d2:<\/p>\n<ul>\n<li>Islamic Commercial Law<\/li>\n<li>Islamic Banking and Finance<\/li>\n<li>Islamic Capital Market<\/li>\n<li>Islamic Insurance (Takaful)<\/li>\n<li>Islamic Asset Management<\/li>\n<li>Islamic Law of Zakat<\/li>\n<li>Islamic Legal Maxims and<\/li>\n<li>Islamic Legal Theory<\/li>\n<\/ul>\n<p>\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0627\u0646\u0627\u0646 \u0627\u0633\u0644\u0627\u0645\u06cc \u0628\u06cc\u0646\u06a9\u0627\u0631\u06cc\u060c \u062a\u06a9\u0627\u0641\u0644\u060c \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u06cc\u067e\u06cc\u0679\u0644 \u0645\u0627\u0631\u06a9\u06cc\u0679 \u06a9\u06cc \u067e\u0631\u0648\u0688\u06a9\u0679\u0633 \u0627\u0648\u0631 \u0627\u0646\u0633\u0679\u0631\u0648\u0645\u0646\u0679\u0633\u060c \u0648\u0642\u0641\u060c Islamic Treasury and Money Markets \u0627\u0648\u0631 \u062f\u06cc\u06af\u0631 \u0628\u06cc\u0646\u06a9\u0646\u06af \u067e\u0631\u0648\u0688\u06a9\u0679\u0633 \u06a9\u06d2 \u0641\u0631\u06cc\u0645 \u0648\u0631\u06a9 \u0627\u0648\u0631 \u0646\u0638\u0627\u0645 \u06a9\u06cc \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u0645\u06cc\u06ba \u0634\u0627\u0645\u0644 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0642\u0648\u0645\u06cc \u0627\u0648\u0631 \u0628\u06cc\u0646 \u0627\u0644\u0627\u0642\u0648\u0627\u0645\u06cc \u0633\u0637\u062d \u067e\u0631 \u0645\u062e\u062a\u0644\u0641 \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u062f\u0627\u0631\u0648\u06ba \u060c \u06af\u0648\u0631\u0646\u0646\u06af \u0628\u0627\u0688\u06cc\u0632 \u060c \u0642\u0627\u0646\u0648\u0646\u06cc \u0641\u0631\u0645\u0632\u060c \u0627\u0648\u0631 \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0634\u0646\u0632 \u06a9\u06d2 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u062e\u062f\u0645\u0627\u062a \u0633\u0631\u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u06ba\u060c \u062c\u06cc\u0633\u06d2:<\/p>\n<ul>\n<li>Member of Shariah Advisory Council of Bank Negara Malaysia<\/li>\n<li>Chairman of the Shariah Committees of ACR Retakaful Bahrain and ACR Retakaful Malaysia<\/li>\n<li>Registered Shariah Advisor for the issuance of Islamic securities and Islamic Unit Trust Schemes of Malaysia Securities Commission<\/li>\n<li>Shariah Advisor for Bursa Malaysia<\/li>\n<li>External Shariah Fellow at Islamic Banking and Finance Institute of Malaysia (IBFIM)<\/li>\n<li>Committee Member of Bursa Malaysia\u2019s FBM Index Advisory<\/li>\n<\/ul>\n<p>\u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u0646\u06d2 \u062c\u0627\u0645\u0639\u06c1 \u0627\u0644\u0627\u0632\u06c1\u0631 \u0633\u06d2 \u0634\u0631\u06cc\u0639\u06c1 \u0645\u06cc\u06ba \u0627\u067e\u0646\u06cc \u067e\u06c1\u0644\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0642\u0627\u06c1\u0631\u06c1 \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0633\u06d2 \u0645\u0645\u062a\u0627\u0632\u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u0634\u0631\u06cc\u0639\u06c1 \u0645\u06cc\u06ba \u0645\u0627\u0633\u0679\u0631 \u0688\u06af\u0631\u06cc \u06a9\u0627\u0645\u06cc\u0627\u0628\u06cc \u06a9\u06d2 \u0633\u0627\u062a\u06be \u062d\u0627\u0635\u0644 \u06a9\u06cc \u0627\u0648\u0631 \u0628\u0639\u062f\u0627\u0632\u0627\u06ba \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0622\u0641 \u0648\u06cc\u0644\u0632 \u060c \u0644\u06cc\u0645\u067e\u06cc\u0679\u0631 \u060c \u0628\u0631\u0637\u0627\u0646\u06cc\u06c1 \u0633\u06d2 \u067e\u06cc \u0627\u06cc\u0686 \u0688\u06cc \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc\u06d4 \u0688\u0627\u06a9\u0679\u0631 \u0627\u0630\u0646\u0627\u0646 \u0627\u0633 \u0648\u0642\u062a \u0627\u0646\u0679\u0631\u0646\u06cc\u0634\u0646\u0644 \u0627\u0633\u0644\u0627\u0645\u06cc \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627 \u06a9\u06d2 \u0627\u062d\u0645\u062f \u0627\u0628\u0631\u0627\u06c1\u06cc\u0645 \u06a9\u0644\u06cc\u06c2 \u0642\u0627\u0646\u0648\u0646 \u0645\u06cc\u06ba \u0627\u0633\u0644\u0627\u0645\u06a9 \u0644\u0627\u0621 \u0688\u06cc\u067e\u0627\u0679\u0645\u0646\u0679 \u0645\u06cc\u06ba \u067e\u0631\u0648\u0641\u06cc\u0633\u0631 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06d2 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-328\" href=\"#team-%da%88%d8%a7%da%a9%d9%b9%d8%b1-%d8%af%d8%a7%d8%a4%d8%af-%d8%a8%da%a9%d8%b1\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/dr-daud-bakr.png\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u062f\u0627\u0624\u062f \u0628\u06a9\u0631\">\n                                                                        <h3 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u062f\u0627\u0624\u062f \u0628\u06a9\u0631<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-328\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/dr-daud-bakr.png\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u062f\u0627\u0624\u062f \u0628\u06a9\u0631\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u062f\u0627\u0624\u062f \u0628\u06a9\u0631<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u062f\u0627\u062a\u0648\u06a9 \u0688\u0627\u06a9\u0679\u0631 \u0645\u062d\u0645\u062f \u062f\u0627\u0624\u062f \u0628\u06a9\u0631 \u0641\u06cc \u0627\u0644\u062d\u0627\u0644 \u0633\u0646\u0679\u0631\u0644 \u0628\u06cc\u0646\u06a9 \u0622\u0641 \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627\u060c \u0633\u06cc\u06a9\u06cc\u0648\u0631\u0679\u06cc\u0632 \u06a9\u0645\u06cc\u0634\u0646 \u0622\u0641 \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627\u060c \u0644\u0628\u0648\u0627\u0646 \u0641\u0646\u0627\u0646\u0634\u0644 \u0633\u0631\u0648\u0633\u0632 \u0627\u062a\u06be\u0627\u0631\u0679\u06cc Labuan Financial Services Authority \u060c \u0627\u0648\u0631 \u0641\u0631\u0633\u0679 \u0627\u0628\u0648 \u0638\u0628\u06cc \u0628\u06cc\u0646\u06a9 \u0645\u06cc\u06ba \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u06cc \u06a9\u0648\u0646\u0633\u0644 \u06a9\u06d2 \u0686\u06cc\u0626\u0631\u0645\u06cc\u0646 \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u062e\u062f\u0645\u0627\u062a \u0633\u0631 \u0627\u0646\u062c\u0627\u0645 \u062f\u06d2 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1\u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1 \u0648\u06c1 \u062f\u0646\u06cc\u0627 \u06a9\u06d2 \u0645\u062e\u062a\u0644\u0641 \u0645\u0645\u062a\u0627\u0632 \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u062f\u0627\u0631\u0648\u06ba \u06a9\u06cc \u0634\u0631\u06cc\u0639\u06c1 \u0628\u0648\u0631\u0688\u0632 \u06a9\u06d2 \u0631\u06a9\u0646 \u0628\u06be\u06cc \u06c1\u06cc\u06ba\u060c \u062c\u0646 \u0645\u06cc\u06ba \u0646\u06cc\u0634\u0646\u0644 \u0628\u06cc\u0646\u06a9 \u0622\u0641 \u0639\u0645\u0627\u0646 (\u0639\u0645\u0627\u0646) \u060c Amundi Asset Management (\u0641\u0631\u0627\u0646\u0633) \u060c \u0628\u06cc\u0646\u06a9 \u0622\u0641 \u0644\u0646\u062f\u0646 \u0627\u06cc\u0646\u0688 \u0645\u0688\u0644 \u0627\u06cc\u0633\u0679 (\u0644\u0646\u062f\u0646) \u060c BNP Paribas (\u0628\u062d\u0631\u06cc\u0646) \u060c \u0627\u0648\u0631 Dow Jones Islamic Market Index(\u0646\u06cc\u0648 \u06cc\u0627\u0631\u06a9) \u0633\u0645\u06cc\u062a \u0645\u062a\u0639\u062f\u062f \u062f\u06cc\u06af\u0631 \u0627\u062f\u0627\u0631\u06d2 \u0634\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4 \u0645\u062e\u062a\u0644\u0641 \u0639\u0627\u0644\u0645\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u062f\u0627\u0631\u0648\u06ba \u06a9\u06d2 \u0634\u0631\u0639\u06cc \u0628\u0648\u0631\u0688 \u06a9\u06d2 \u0645\u0645\u0628\u0631 \u0628\u06be\u06cc \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u0645\u0632\u06cc\u062f \u0628\u0631\u0622\u06ba\u060c \u0648\u06c1 \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0633\u0627\u0626\u0646\u0633 \u0627\u0633\u0644\u0627\u0645 \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627 (\u06cc\u0648 \u0627\u06cc\u0633 \u0622\u0626\u06cc \u0627\u06cc\u0645) \u06a9\u06cc \u0641\u06cc\u06a9\u0644\u0679\u06cc \u0622\u0641 \u0627\u06a9\u0646\u0627\u0645\u06a9\u0633 \u0627\u06cc\u0646\u0688 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u06cc\u06ba\u060c \u06cc\u0627\u06cc\u0627\u0633\u0627\u0646 \u062a\u0648\u0646 \u0627\u0633\u0645\u0627\u0639\u06cc\u0644 \u0645\u062d\u0645\u062f \u0639\u0644\u06cc \u0628\u0631\u062f\u0627\u0641\u062a\u0631 Islamic Banking and Finance of Yayasan Tun Ismail Mohamed Ali Berdaftar (YTI) PNB\u060c \u067e\u06cc \u0627\u06cc\u0646 \u0628\u06cc \u06a9\u06d2 \u062a\u062d\u062a \u0627\u0633\u0644\u0627\u0645\u06cc \u0628\u06cc\u0646\u06a9\u0627\u0631\u06cc \u0648 \u0645\u0627\u0644\u06cc\u0627\u062a \u06a9\u06d2 \u062a\u06cc\u0633\u0631\u06d2 \u0686\u06cc\u0626\u0631 \u067e\u0631\u0648\u0641\u06cc\u0633\u0631 \u0628\u06be\u06cc \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>2016 \u0645\u06cc\u06ba \u0627\u0646\u06c1\u06cc\u06ba \u0644\u0646\u062f\u0646 \u0633\u06a9\u0648\u06a9 \u0633\u0645\u0679 \u0627\u06cc\u0648\u0627\u0631\u0688\u0632 \u0645\u06cc\u06ba \u201c\u0634\u0631\u06cc\u0639\u06c1 \u0642\u06cc\u0627\u062f\u062a \u0648 \u0645\u0634\u0627\u0648\u0631\u062a\u06cc \u062e\u062f\u0645\u0627\u062a \u0645\u06cc\u06ba \u0646\u0645\u0627\u06cc\u0627\u06ba \u062e\u062f\u0645\u0627\u062a \u067e\u0631 \u0627\u06cc\u0648\u0627\u0631\u0688 \u0622\u0641 \u0627\u06cc\u06a9\u0633\u06cc\u0644\u06cc\u0646\u0633\u201d \u0627\u0648\u0631 \u062f\u06cc \u0627\u06cc\u0633\u0679 \u0679\u0631\u067e\u0644 \u0627\u06d2 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0646\u0627\u0646\u0633 \u0627\u06cc\u0648\u0627\u0631\u0688 \u0645\u06cc\u06ba \u201c\u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631 \u0627\u06cc\u0648\u0627\u0631\u0688\u201d \u0633\u06d2 \u0646\u0648\u0627\u0632\u0627 \u06af\u06cc\u0627\u06d4\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 London Sukuk Summit Awards \u0645\u06cc\u06ba &#8220;Award of Excellence for Outstanding Contribution for Shariah Leadership &amp; Advisory&#8221; \u0627\u0648\u0631 The Asset Triple A Islamic Finance Award \u0645\u06cc\u06ba &#8220;Shariah Adviser Award&#8221; \u062d\u0627\u0635\u0644 \u06a9\u06cc\u0627\u06d4 \u062c\u0628\u06a9\u06c1 2014\u0645\u06cc\u06ba \u0627\u0646\u06c1\u06cc\u06ba \u0646\u0628\u06cc \u0627\u06a9\u0631\u0645 \ufdfa \u06a9\u06d2 \u06cc\u0648\u0645\u0650 \u0648\u0644\u0627\u062f\u062a \u06a9\u06cc \u0642\u0648\u0645\u06cc \u0633\u0637\u062d \u067e\u0631 \u0645\u0646\u0639\u0642\u062f\u06c1 \u062a\u0642\u0631\u06cc\u0628 \u06a9\u06d2 \u0645\u0648\u0642\u0639 \u067e\u0631\u060c \u0634\u0627\u06c1\u0650 \u0645\u0644\u0627\u0626\u0634\u06cc\u0627 \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u201c\u0633\u0628 \u0633\u06d2 \u0646\u0645\u0627\u06cc\u0627\u06ba \u0634\u062e\u0635\u06cc\u062a\u201d \u06a9\u0627 \u0627\u0639\u0632\u0627\u0632 \u0639\u0637\u0627 \u06a9\u06cc\u0627 \u06af\u06cc\u0627\u06d4 2014 \u0645\u06cc\u06ba \u060c \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0642\u0648\u0645\u06cc \u0633\u0637\u062d \u06a9\u06d2 \u0646\u0628\u06cc \u06a9\u0631\u06cc\u0645 His \u06a9\u06cc \u0633\u0627\u0644\u06af\u0631\u06c1 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0645\u0644 \u06a9\u0631 \u060c \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627 \u06a9\u06d2 \u0628\u0627\u062f\u0634\u0627\u06c1 \u0633\u06d2 &#8220;Most Outstanding Individual&#8221; \u0627\u06cc\u0648\u0627\u0631\u0688 \u062d\u0627\u0635\u0644 \u06a9\u06cc\u0627\u06d4<\/p>\n<p>\u0627\u0646 \u06a9\u06cc \u0645\u0637\u0628\u0648\u0639\u0627\u062a \u062a\u0635\u0646\u06cc\u0641\u0627\u062a \u0645\u06cc\u06ba \u0645\u062e\u062a\u0644\u0641 \u062a\u0639\u0644\u06cc\u0645\u06cc \u062c\u0631\u0646\u0644\u0632 \u0645\u06cc\u06ba \u0634\u0627\u0626\u0639 \u06c1\u0648\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0645\u0642\u0627\u0644\u0627\u062a \u0645\u0636\u0627\u0645\u06cc\u0646 \u0627\u0648\u0631 \u0645\u0642\u0627\u0645\u06cc \u0627\u0648\u0631 \u0628\u06cc\u0646 \u0627\u0644\u0627\u0642\u0648\u0627\u0645\u06cc \u06a9\u0627\u0646\u0641\u0631\u0646\u0633\u0648\u06ba \u0645\u06cc\u06ba \u067e\u06cc\u0634 \u06a9\u06cc\u06d2 \u06af\u0626\u06d2 150 \u0688\u06cc\u0691\u06be \u0633\u0648 \u0633\u06d2 \u0632\u0627\u0626\u062f \u062a\u062d\u0642\u06cc\u0642\u06cc \u0645\u0642\u0627\u0644\u0627\u062a \u0632\u06cc\u0627\u062f\u06c1 \u0645\u0642\u0627\u0644\u0648\u06ba \u06a9\u06cc \u067e\u06cc\u0634 \u06a9\u0634 \u0634\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646 \u06a9\u06cc \u067e\u06c1\u0644\u06cc \u06a9\u062a\u0627\u0628 &#8221; Shariah Minds in Islamic Finance: An Inside Story of A Shariah Scholar &#8221; \u06a9\u0648 \u06af\u0644\u0648\u0628\u0644 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0646\u0627\u0646\u0633 \u0627\u06cc\u0648\u0627\u0631\u0688\u06a9\u06d2 \u0639\u0646\u0648\u0627\u0646 \u0633\u06d2 the Global Islamic Finance Award (GIFA) \u06a9\u06d2 \u062a\u062d\u062a &#8220;\u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0646\u0627\u0646\u0633 \u0628\u06a9 \u0622\u0641 \u062f\u06cc \u0627\u06cc\u0626\u0631 2016&#8243; \u06a9\u0627 \u0627\u0639\u0632\u0627\u0632 \u062d\u0627\u0635\u0644 \u06c1\u0648\u0627\u06d4\u06a9\u0627 &#8221; Islamic Finance Book of the Year 2016&#8243; \u062c\u06cc\u062a\u0627 \u06c1\u06d2\u06d4 \u062d\u0627\u0644 \u06c1\u06cc \u0645\u06cc\u06ba \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0635\u06a9\u0648\u06a9 \u067e\u0631 \u0627\u06cc\u06a9 \u0646\u0626\u06cc \u06a9\u062a\u0627\u0628 \u0634\u0627\u0626\u0639 \u06a9\u06cc \u06c1\u06d2\u060c \u062c\u0633 \u06a9\u0627 \u0639\u0646\u0648\u0627\u0646 \u06c1\u06d2 :\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u0628\u06be\u06cc \u0627\u0628\u06be\u06cc \u0635\u06a9\u0648\u06a9 \u067e\u0631 \u0627\u06cc\u06a9 \u0646\u0626\u06cc \u06a9\u062a\u0627\u0628 \u062c\u0627\u0631\u06cc \u06a9\u06cc \u06c1\u06d2 \u062c\u0648 &#8221; An Insightful Journey to Emirates Airline Sukuk: Pushing The Boundaries of Islamic Finance &#8221; (2017)<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-326\" href=\"#team-%d8%b4%db%8c%d8%ae-%d8%b9%d8%b5%d8%a7%d9%85-%d8%a7%db%8c%d9%85%db%94-%d8%a7%d8%b3%d8%ad%d8%a7%d9%82\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/shaikh-essam-m-ishaq.jpeg\" alt=\"\u0634\u06cc\u062e \u0639\u0635\u0627\u0645 \u0627\u06cc\u0645\u06d4 \u0627\u0633\u062d\u0627\u0642\">\n                                                                        <h3 class=\"sub-heading\">\u0634\u06cc\u062e \u0639\u0635\u0627\u0645 \u0627\u06cc\u0645\u06d4 \u0627\u0633\u062d\u0627\u0642<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-326\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/shaikh-essam-m-ishaq.jpeg\" alt=\"\u0634\u06cc\u062e \u0639\u0635\u0627\u0645 \u0627\u06cc\u0645\u06d4 \u0627\u0633\u062d\u0627\u0642\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0634\u06cc\u062e \u0639\u0635\u0627\u0645 \u0627\u06cc\u0645\u06d4 \u0627\u0633\u062d\u0627\u0642<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0634\u06cc\u062e \u0639\u0635\u0627\u0645 \u0627\u06cc\u0645\u06d4 \u0627\u0633\u062d\u0627\u0642 \u06a9\u06cc\u0646\u06cc\u0688\u0627 \u06a9\u06d2 McGill University \u06a9\u06d2 \u06af\u0631\u06cc\u062c\u0648\u06cc\u0679 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0631\u0648\u0627\u06cc\u062a\u06cc \u0637\u0648\u0631 \u067e\u0631 \u0645\u062e\u062a\u0644\u0641 \u0639\u0644\u0645\u0627\u0621 \u06a9\u0631\u0627\u0645 \u0633\u06d2 \u0645\u0633\u0627\u062c\u062f \u0645\u06cc\u06ba \u0634\u0631\u06cc\u0639\u062a \u06a9\u06cc \u062a\u0639\u0644\u06cc\u0645 \u062d\u0627\u0635\u0644 \u06a9\u06cc \u06d4 \u0641\u06cc \u0627\u0644\u062d\u0627\u0644 \u0648\u06c1 \u0628\u062d\u0631\u06cc\u0646 \u0645\u06cc\u06ba \u0641\u0642\u06c1 \u060c \u0627\u0633\u0644\u0627\u0645\u06cc \u0639\u0644\u0648\u0645 \u0648 \u0639\u0642\u0627\u0626\u062f \u0627\u0648\u0631 \u062a\u0641\u0633\u06cc\u0631 \u06a9\u06cc \u062a\u0639\u0644\u06cc\u0645 \u062f\u06d2 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u0645\u062a\u0639\u062f\u062f \u0627\u062f\u0627\u0631\u0648\u06ba \u0645\u06cc\u06ba \u0646\u0645\u0627\u06cc\u0627\u06ba \u0645\u0642\u0627\u0645 \u0627\u0648\u0631 \u0645\u0645\u0628\u0631\u0634\u067e \u06a9\u06d2 \u062d\u0627\u0645\u0644 \u06c1\u06cc\u06ba \u062c\u06cc\u0633\u06d2:<\/p>\n<ul>\n<li>Discover Islam<\/li>\n<li>United International Bank &amp; Investment Dar Bank<\/li>\n<li>Arcapita Bank &amp; Al Baraka Islamic Bank&amp; First Investment Bank<\/li>\n<li>AAOIFI<\/li>\n<li>EcoBank-Kyrgyz Republic<\/li>\n<li>First Global Investments-SriLanka<\/li>\n<li>Meezan Bank-Pakistan<\/li>\n<li>Munich ReTakaful-Malaysia<\/li>\n<li>Takaful House-UAE<\/li>\n<li>Capitas Group-USA<\/li>\n<li>Methaq Bank-Oman<\/li>\n<li>ARIC Kuwait<\/li>\n<li>Gulf African Bank-Kenya<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u06cc \u0628\u0648\u0631\u0688<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-351\" href=\"#team-%d9%85%d9%86%db%8c%d8%b1-%d8%a7%d8%ad%d9%85%d8%af\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Munir-Ahmed.png\" alt=\"\u0645\u0646\u06cc\u0631 \u0627\u062d\u0645\u062f\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u0646\u06cc\u0631 \u0627\u062d\u0645\u062f<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-351\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Munir-Ahmed.png\" alt=\"\u0645\u0646\u06cc\u0631 \u0627\u062d\u0645\u062f\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u0646\u06cc\u0631 \u0627\u062d\u0645\u062f<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0645\u0633\u0679\u0631 \u0627\u062d\u0645\u062f \u06a9\u0648 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                           <h3 class=\"sub-heading\">\u0645\u062d\u0645\u062f \u0627\u0633\u0644\u0645<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-350\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Muhammad-Aslam.png\" alt=\"\u0645\u062d\u0645\u062f \u0627\u0633\u0644\u0645\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u062d\u0645\u062f \u0627\u0633\u0644\u0645<\/h2>\n                                    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src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/syed-tariq-hussain.png\" alt=\"\u0633\u06cc\u062f \u0637\u0627\u0631\u0642 \u062d\u0633\u06cc\u0646\">\n                                                                        <h3 class=\"sub-heading\">\u0633\u06cc\u062f \u0637\u0627\u0631\u0642 \u062d\u0633\u06cc\u0646<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-349\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/syed-tariq-hussain.png\" alt=\"\u0633\u06cc\u062f \u0637\u0627\u0631\u0642 \u062d\u0633\u06cc\u0646\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0633\u06cc\u062f \u0637\u0627\u0631\u0642 \u062d\u0633\u06cc\u0646<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0633\u06cc\u062f \u0637\u0627\u0631\u0642 \u062d\u0633\u06cc\u0646 \u0644\u0648\u06a9\u0644 \u0627\u0648\u0631 \u0639\u0627\u0644\u0645\u06cc \u0645\u0627\u0631\u06a9\u06cc\u0679 \u06a9\u06d2 30 \u0633\u0627\u0644\u06c1 \u0645\u062a\u0646\u0648\u0639 \u062a\u062c\u0631\u0628\u06c1 \u0631\u06a9\u06be\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0627\u06cc\u06a9 \u062a\u062c\u0631\u0628\u06c1 \u06a9\u0627\u0631 \u0628\u06cc\u0646\u06a9\u0631 \u06c1\u06cc\u06ba\u06d4\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u067e\u0646\u06d2 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\u0627\u0648\u0631 \u0628\u0639\u062f \u0645\u06cc\u06ba \u0648\u06c1 Country Treasurer and Strategic Planning Manager \u06a9\u06d2 \u0639\u06c1\u062f\u06d2 \u067e\u0631 \u0641\u0627\u0626\u0632 \u06c1\u0648\u06af\u0626\u06d2\u06d4 1997\u0645\u06cc\u06ba\u060c \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u067e\u0631\u0648\u0688\u06a9\u0679\u0633 \u06a9\u06cc \u0627\u06cc\u06a9 \u0645\u06a9\u0645\u0644 \u0631\u06cc\u0646\u062c \u062a\u06cc\u0627\u0631 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u0626\u06d2 \u060c ANZ \u0627\u0646\u0648\u06cc\u0633\u0645\u0646\u0679 \u0628\u06cc\u0646\u06a9\u060c \u0644\u0646\u062f\u0646 \u0645\u06cc\u06ba \u0627\u0646 \u06a9\u06cc Head of Global Islamic Finance and Director Global structured Finance \u06a9\u06d2 \u0639\u06c1\u062f\u06d2 \u067e\u0631 \u062a\u0642\u0631\u0631\u06cc \u06c1\u0648\u06af\u0626\u06cc\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 2005 \u0633\u06d2 2010 \u062a\u06a9 Emirates Global Islamic Bank \u06a9\u06d2 \u0633\u06cc \u0627\u06cc \u0627\u0648 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u0641\u0631\u0627\u0626\u0636 \u0633\u0631\u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u0626\u06d2\u06d4 \u0627\u0633 \u0633\u06d2 \u0642\u0628\u0644 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u062f\u0628\u0626\u06cc \u0627\u0646\u0648\u06cc\u0633\u0679\u0645\u0646\u0679 \u06af\u0631\u0648\u067e \u060c \u062f\u0628\u0626\u06cc \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u0633\u0644\u0627\u0645\u06cc \u0641\u0646\u0627\u0646\u0633 capabilities \u06a9\u06cc \u062a\u06cc\u0627\u0631\u06cc \u06a9\u06d2 \u0644\u06cc\u06d2 \u06a9\u0627\u0645 \u06a9\u06cc\u0627 \u06c1\u06d2 \u062c\u0633 \u0645\u06cc\u06ba \u0627\u06cc\u06a9 listed \u062a\u06a9\u0627\u0641\u0644 \u06a9\u0645\u067e\u0646\u06cc \u06a9\u0627 \u0622\u063a\u0627\u0632 \u0627\u0648\u0631 \u0627\u0633\u0644\u0627\u0645\u06cc \u06cc\u0648\u0631\u067e\u06cc \u067e\u0631\u0627\u067e\u0631\u0679\u06cc \u0641\u0646\u0688 \u06a9\u0627 \u0642\u06cc\u0627\u0645 \u0634\u0627\u0645\u0644 \u06c1\u06d2\u06d4<\/p>\n<p>\u0645\u0633\u0679\u0631 \u062d\u0633\u06cc\u0646 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u060c \u06a9\u06cc\u0646\u06cc\u0688\u0627 \u060c \u0627\u0646\u06af\u0644\u06cc\u0646\u0688 \u0627\u0648\u0631 \u0648\u06cc\u0644\u0632 \u06a9\u06d2 \u0686\u0627\u0631\u0679\u0631\u0688 \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u0679 \u06c1\u06cc\u06ba \u0627\u0648\u0631 \u06a9\u06cc\u0646\u06cc\u0688\u0627 \u06a9\u06d2 \u06cc\u0627\u0631\u06a9 \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0633\u06d2 \u0627\u06cc\u0645 \u0628\u06cc \u0627\u06d2 \u06c1\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-347\" href=\"#team-%d9%85%d8%b5%d8%b7%d9%81%db%8c-%d8%a8%db%8c%da%af-%d8%b3%db%8c-%d8%a7%db%8c%d9%81-%d8%a7%db%92\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Mustafa-Beg-CFA.png\" alt=\"\u0645\u0635\u0637\u0641\u06cc \u0628\u06cc\u06af \u0633\u06cc \u0627\u06cc\u0641 \u0627\u06d2\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u0635\u0637\u0641\u06cc \u0628\u06cc\u06af \u0633\u06cc \u0627\u06cc\u0641 \u0627\u06d2<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-347\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Mustafa-Beg-CFA.png\" alt=\"\u0645\u0635\u0637\u0641\u06cc \u0628\u06cc\u06af \u0633\u06cc \u0627\u06cc\u0641 \u0627\u06d2\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u0635\u0637\u0641\u06cc \u0628\u06cc\u06af \u0633\u06cc \u0627\u06cc\u0641 \u0627\u06d2<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0645\u0635\u0637\u0641\u06cc \u0628\u06cc\u06af \u06a9\u0646\u0648\u0646\u0634\u0646\u0644 \u0627\u0648\u0631 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u0633\u0631\u0648\u0633\u0632 \u0645\u06cc\u06ba \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u0627 15 \u0633\u0627\u0644 \u0633\u06d2 \u0632\u0627\u0626\u062f \u0639\u0631\u0635\u06c1 \u06a9\u0627 \u0639\u0627\u0644\u0645\u06cc \u062a\u062c\u0631\u0628\u06c1 \u0631\u06a9\u06be\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0627\u06cc\u06a9 \u0627\u0646\u0648\u06cc\u0633\u0645\u0646\u0679 \u067e\u0631\u0648\u0641\u06cc\u0634\u0646\u0644 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u0628\u062d\u0631\u06cc\u0646 \u0645\u06cc\u06ba \u0628\u06cc \u0627\u06cc\u0645 \u0622\u0626\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0648\u0631 \u06a9\u06cc\u0646\u06cc\u0627 \u0645\u06cc\u06ba \u06af\u0644\u0641 \u0627\u0641\u0631\u06cc\u0642\u06cc \u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u0628\u0648\u0631\u0688 \u067e\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06d2 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\u062a\u06be\u06d2\u060c \u062c\u06cc\u0633\u06d2 \u0628\u06cc\u0646\u06a9\u060c \u0627\u062b\u0627\u062b\u06c1 \u062c\u0627\u062a\u06cc \u0627\u0646\u062a\u0638\u0627\u0645\u06cc \u06a9\u0645\u067e\u0646\u06cc\u0627\u06ba\u060c \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u06a9\u0645\u067e\u0646\u06cc\u0627\u06ba \u0627\u0648\u0631 \u0627\u0633\u067e\u06cc\u0634\u0644\u0679\u06cc \u0641\u0646\u0627\u0646\u0633\u06d4<\/p>\n<p>\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0631\u0644\u0688 \u0645\u06cc\u06ba \u0634\u0645\u0648\u0644\u06cc\u062a \u0633\u06d2 \u0642\u0628\u0644 \u0645\u0635\u0637\u0641\u06cc\u0670 \u0628\u06cc\u06af \u0646\u06d2 \u06a9\u06cc\u0648\u067e\u0648\u0644\u0627 \u06af\u0631\u0648\u067e \u0645\u06cc\u06ba \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u06ba\u060c \u062c\u06c1\u0627\u06ba \u0648\u06c1 \u0627\u0633 \u0679\u06cc\u0645 \u06a9\u0627 \u062d\u0635\u06c1 \u062a\u06be\u06d2 \u062c\u0633 \u0646\u06d2 \u0645\u0634\u0631\u0642\u0650 \u0648\u0633\u0637\u06cc\u0670\u060c \u062c\u0646\u0648\u0628\u06cc \u0627\u06cc\u0634\u06cc\u0627 \u0627\u0648\u0631 \u0634\u0645\u0627\u0644\u06cc \u0627\u0645\u0631\u06cc\u06a9\u06c1 \u0645\u06cc\u06ba \u0645\u062e\u062a\u0644\u0641 \u0635\u0646\u0639\u062a\u0648\u06ba \u06a9\u06d2 \u0648\u0633\u06cc\u0639 \u062f\u0627\u0626\u0631\u06d2 \u0645\u06cc\u06ba \u067e\u0631\u0627\u0626\u06cc\u0648\u06cc\u0679 \u0627\u06cc\u06a9\u0648\u06cc\u0679\u06cc \u0627\u0648\u0631 \u0648\u06cc\u0646\u0686\u0631 \u06a9\u06cc\u067e\u06cc\u0679\u0644 \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u06cc\u06d4<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-346\" href=\"#team-%da%88%d8%a7%da%a9%d9%b9%d8%b1-%d8%b9%d8%b1%d9%81%d8%a7%d9%86-%d8%b9%d9%84%db%8c%d9%85\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Irfan-Aleem.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0639\u0631\u0641\u0627\u0646 \u0639\u0644\u06cc\u0645\">\n                                                                        <h3 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0639\u0631\u0641\u0627\u0646 \u0639\u0644\u06cc\u0645<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-346\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Irfan-Aleem.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0639\u0631\u0641\u0627\u0646 \u0639\u0644\u06cc\u0645\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0639\u0631\u0641\u0627\u0646 \u0639\u0644\u06cc\u0645<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0688\u0627\u06a9\u0679\u0631 \u0639\u0631\u0641\u0627\u0646 \u0639\u0644\u06cc\u0645 \u0627\u0633 \u0648\u0642\u062a \u0648\u0632\u0627\u0631\u062a \u0645\u0639\u06cc\u0634\u062a \u0648 \u062a\u062c\u0627\u0631\u062a\u060c \u0642\u0637\u0631 \u0645\u06cc\u06ba \u0686\u06cc\u0641 \u0627\u06a9\u0627\u0646\u0648\u0645\u0633\u0679 \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u062e\u062f\u0645\u0627\u062a \u0633\u0631 \u0627\u0646\u062c\u0627\u0645 \u062f\u06d2 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0627\u0633 \u0633\u06d2 \u0642\u0628\u0644 \u0648\u06c1 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u0628\u06cc\u0646\u06a9 \u060c \u062c\u062f\u06c1 \u0627\u0648\u0631 \u0648\u0631\u0644\u0688 \u0628\u06cc\u0646\u06a9 \u060c \u0648\u0627\u0634\u0646\u06af\u0679\u0646 \u0645\u06cc\u06ba \u0628\u0637\u0648\u0631 \u0633\u06cc\u0646\u0626\u0631 \u0627\u0648\u0631 \u0644\u06cc\u0688 \u0627\u06a9\u0646\u0627\u0645\u0633\u0679 \u06a9\u06d2 \u0639\u06c1\u062f\u0648\u06ba \u067e\u0631 \u0641\u0627\u0626\u0632 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u0645\u0645\u0628\u0631 \u0645\u0645\u0627\u0644\u06a9 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\u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0633\u06d2 \u067e\u06cc \u0627\u06cc\u0686 \u0688\u06cc \u0627\u0648\u0631 \u0627\u0645\u067e\u06cc\u0631\u06cc\u0644 \u06a9\u0627\u0644\u062c \u0644\u0646\u062f\u0646 \u0633\u06d2 \u0645\u0627\u0633\u0679\u0631\u0632 \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc \u06c1\u06d2\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u0642\u0627\u0646\u0648\u0646\u06cc \u0645\u0634\u06cc\u0631<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-591\" href=\"#team-nhs-%d9%82%d8%a7%d9%86%d9%88%d9%86%db%8c\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/nhs.png\" alt=\"NHS \u0642\u0627\u0646\u0648\u0646\u06cc\">\n                                                                        <h3 class=\"sub-heading\">NHS \u0642\u0627\u0646\u0648\u0646\u06cc<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-591\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/nhs.png\" alt=\"NHS \u0642\u0627\u0646\u0648\u0646\u06cc\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">NHS \u0642\u0627\u0646\u0648\u0646\u06cc<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u06c1\u0645 \u06a9\u0648\u0646 \u06c1\u06cc\u06ba\u061f&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]<strong>\u0627\u062d\u0633\u0627\u0646 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u0632 \u0627\u06cc\u0646\u0688 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679\u0633 (&#8216;ESAAC&#8217;)<\/strong>\u060c \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0646\u0633\u0644\u0679\u0646\u0633\u06cc \u0633\u0631\u0648\u0633\u0632 \u0645\u06cc\u06ba \u0627\u06cc\u06a9 \u062a\u0633\u0644\u06cc\u0645 \u0634\u062f\u06c1 \u0646\u0627\u0645\u060c \u0628\u06d2 \u0645\u062b\u0627\u0644 \u062a\u062c\u0631\u0628\u06d2 \u06a9\u06d2 \u0633\u0627\u062a\u06be\u060c \u0645\u062e\u062a\u0644\u0641 \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u0648\u0631 \u063a\u06cc\u0631 \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u062f\u0627\u0631\u0648\u06ba \u0645\u06cc\u06ba\u060c <strong>\u0646\u0648\u0627\u0632 \u062d\u0633\u06cc\u0646 \u0633\u06a9\u0646\u062f\u0631\u060c \u0628\u06cc\u0631\u0633\u0679\u0631\u0632 \u0627\u0648\u0631 \u0628\u06cc\u0631\u0633\u0679\u0631\u0632 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0642\u0631\u06cc\u0628\u06cc \u062a\u0639\u0627\u0648\u0646 \u0633\u06d2\u06d4 \u0648\u06a9\u0644\u0627\u0621\u060c (&#8216;NHS&#8217;)<\/strong>\u060c \u0627\u0639\u0644\u06cc \u062f\u0631\u062c\u06d2 \u06a9\u06cc \u0642\u0627\u0646\u0648\u0646\u06cc \u0641\u0631\u0645\u0648\u06ba \u0645\u06cc\u06ba \u0628\u0631\u0633\u0648\u06ba \u06a9\u06d2 \u062a\u062c\u0631\u0628\u06d2 \u06a9\u06d2 \u0633\u0627\u062a\u06be\u060c \u0622\u063a\u0627\u0632 \u06a9\u06d2 \u0645\u0631\u062d\u0644\u06d2 \u0633\u06d2 \u0644\u06d2 \u06a9\u0631 \u0639\u0645\u0644 \u062f\u0631\u0622\u0645\u062f \u062a\u06a9\u060c \u0646\u0626\u06cc \u0634\u0631\u06cc\u0639\u062a \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642- \u0642\u0627\u0646\u0648\u0646\u06cc \u0645\u0634\u0627\u0648\u0631\u062a\u06cc \u0627\u0648\u0631 \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u062e\u062f\u0645\u0627\u062a \u067e\u06cc\u0634 \u06a9\u0631\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4 \u062f\u0648\u0646\u0648\u06ba \u0627\u062f\u0627\u0631\u0648\u06ba \u0646\u06d2 \u06c1\u0627\u062a\u06be \u0645\u0644\u0627\u06cc\u0627 \u06c1\u06d2 \u0627\u0648\u0631 <strong>ESAAC-NHS \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0646\u0627\u0646\u0633 \u0644\u06cc\u06af\u0644 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679\u0633<\/strong> \u06a9\u06d2 \u0646\u0627\u0645 \u0633\u06d2 \u0627\u06cc\u06a9 \u0642\u0627\u0646\u0648\u0646\u06cc \u0641\u0631\u0645 \u0628\u0646\u0627\u0626\u06cc \u06c1\u06d2\u06d4[\/vc_column_text][vc_custom_heading text=&#8221;\u06c1\u0645 \u06a9\u06cc\u0627 \u062e\u062f\u0645\u0627\u062a \u067e\u06cc\u0634 \u06a9\u0631\u062a\u06d2 \u06c1\u06cc\u06ba\u061f&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]ESAAC-NHS \u0627\u067e\u0646\u06cc \u0646\u0648\u0639\u06cc\u062a \u06a9\u06cc \u067e\u06c1\u0644\u06cc \u0641\u0631\u0645 \u06c1\u06d2 \u062c\u0648 \u0627\u06cc\u06a9 \u06c1\u06cc \u0648\u0642\u062a \u0645\u06cc\u06ba \u0642\u0627\u0646\u0648\u0646\u06cc \u0645\u0634\u0627\u0648\u0631\u062a\u06cc \u062e\u062f\u0645\u0627\u062a \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u062a\u06cc \u06c1\u06d2\u060c \u06c1\u0645 \u0645\u0627\u0644\u06cc\u060c \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0627\u0648\u0631 \u062a\u062c\u0627\u0631\u062a\u06cc \u0627\u0646\u062a\u0638\u0627\u0645\u0627\u062a \u0645\u06cc\u06ba \u0642\u0627\u0646\u0648\u0646\u06cc \u0627\u0648\u0631 \u0634\u0631\u0639\u06cc \u062a\u0639\u0645\u06cc\u0644 \u06a9\u0648 \u06cc\u0642\u06cc\u0646\u06cc \u0628\u0646\u0627\u0646\u06d2 \u06a9\u06d2 \u0644\u06cc\u06d2 \u0627\u06cc\u06a9 \u0646\u0642\u0637\u06c1 \u0646\u0638\u0631 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u06cc\u06a9 \u0648\u0646\u0688\u0648 \u062d\u0644 \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u06a9\u06cc \u06c1\u0627\u0626\u06cc \u06a9\u0648\u0631\u0679\u0633 \u0633\u0645\u06cc\u062a \u0645\u062e\u062a\u0644\u0641 \u0639\u062f\u0627\u0644\u062a\u06cc \u0627\u0648\u0631 \u0646\u06cc\u0645 \u0639\u062f\u0627\u0644\u062a\u06cc \u0641\u0648\u0631\u0645\u0632 \u06a9\u06d2 \u0633\u0627\u0645\u0646\u06d2 \u062a\u0646\u0627\u0632\u0639\u0627\u062a \u06a9\u06d2 \u062d\u0644 \u06a9\u06d2 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u06a9\u0648 \u0646\u0645\u0679\u0627\u0646\u06d2 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0633\u0627\u062a\u06be \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0627\u0648\u0631 \u062a\u062c\u0627\u0631\u062a\u06cc \u0627\u0646\u062a\u0638\u0627\u0645\u0627\u062a \u0645\u06cc\u06ba \u0642\u0627\u0646\u0648\u0646\u06cc \u0645\u0634\u0627\u0648\u0631\u062a\u06cc \u062e\u062f\u0645\u0627\u062a \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u0646\u0627\u06d4<br \/>\n\u06c1\u0645 \u0628\u06cc\u0646\u06a9\u0646\u06af\u060c \u0631\u0626\u06cc\u0644 \u0627\u0633\u0679\u06cc\u0679\u060c \u06a9\u0646\u0633\u0679\u0631\u06a9\u0634\u0646\u060c \u0622\u0626\u06cc \u0679\u06cc 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\u0627\u06cc\u0688\u0648\u0648\u06a9\u06cc\u0679 \u0634\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u060c \u062c\u0646 \u06a9\u06d2 \u067e\u0627\u0633 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679\u060c \u062a\u062c\u0627\u0631\u062a\u06cc \u0627\u0648\u0631 \u0633\u0648\u0644 \u0642\u0648\u0627\u0646\u06cc\u0646 \u06a9\u0627 \u062a\u062c\u0631\u0628\u06c1 \u06c1\u06d2\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-352\" href=\"#team-%d9%85%d8%ad%d8%b3%d9%86-%d8%b7%db%8c%d8%a8%d8%a7%d9%84%db%8c-%d8%a7%db%8c%d9%86%da%88-%da%a9%d9%85%d9%be%d9%86%db%8c\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/mtc.png\" alt=\"\u0645\u062d\u0633\u0646 \u0637\u06cc\u0628\u0627\u0644\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0645\u067e\u0646\u06cc\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u062d\u0633\u0646 \u0637\u06cc\u0628\u0627\u0644\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0645\u067e\u0646\u06cc<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-352\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/mtc.png\" alt=\"\u0645\u062d\u0633\u0646 \u0637\u06cc\u0628\u0627\u0644\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0645\u067e\u0646\u06cc\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u062d\u0633\u0646 \u0637\u06cc\u0628\u0627\u0644\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0645\u067e\u0646\u06cc<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0645\u062d\u0633\u0646 \u0637\u06cc\u0628\u0627\u0644\u06cc \u0627\u06cc\u0646\u0688 \u06a9\u0645\u067e\u0646\u06cc \u06a9\u0648 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0645\u06cc\u06ba \u0627\u0633\u0644\u0627\u0645\u06cc 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\u0645\u0634\u0627\u0631\u06a9\u06c1\u060c \u0634\u0631\u06a9\u062a \u0645\u062a\u0646\u0627\u0642\u0635\u06c1 \u0627\u0648\u0631 \u0627\u06cc\u0633\u06d2 \u0635\u06a9\u0648\u06a9 \u062c\u0646 \u06a9\u06d2 \u067e\u06cc\u0686\u06be\u06d2 \u06a9\u0648\u0626\u06cc \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0679 \u0679\u0631\u0627\u0646\u0632\u06cc\u06a9\u0634\u0646 \u06c1\u0648\u060c \u0634\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4 \u0627\u0633 \u0627\u062f\u0627\u0631\u06d2 \u06a9\u06cc \u0645\u06c1\u0627\u0631\u062a \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642 \u062d\u0635\u0648\u0644\u0650 \u0645\u0644\u06a9\u06cc\u062a (acquisition) \u0627\u0648\u0631 \u0631\u06cc\u0644 \u0627\u0633\u0679\u06cc\u0679 \u0641\u0627\u0626\u0646\u0627\u0646\u0633\u0646\u06af \u062a\u06a9 \u0648\u0633\u06cc\u0639 \u06c1\u06d2 \u060c \u062c\u0633 \u0645\u06cc\u06ba \u0628\u0639\u0636 \u0627\u0648\u0642\u0627\u062a \u06a9\u0646\u0648\u0646\u0634\u0646\u0644 \u0627\u0648\u0631 \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0679 \u0637\u0631\u06cc\u0642\u0648\u06ba \u06a9\u0627 \u0622\u067e\u0633 \u0645\u06cc\u06ba \u0636\u0645 \u06c1\u0648\u062c\u0627\u0646\u0627 \u0628\u06be\u06cc \u0634\u0627\u0645\u0644 \u06c1\u0648\u062a\u0627 \u06c1\u06d2 -[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679\u0633<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-378\" href=\"#team-%d8%a8%d8%a7%d8%a8%d8%b1-%d8%ac%d9%85%db%8c%d9%84\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Babar-Jamil.png\" alt=\"\u0628\u0627\u0628\u0631 \u062c\u0645\u06cc\u0644\">\n                                                                        <h3 class=\"sub-heading\">\u0628\u0627\u0628\u0631 \u062c\u0645\u06cc\u0644<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-378\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Babar-Jamil.png\" alt=\"\u0628\u0627\u0628\u0631 \u062c\u0645\u06cc\u0644\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0628\u0627\u0628\u0631 \u062c\u0645\u06cc\u0644<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u0648\u06cc\u0644\u062a\u06be \u0645\u06cc\u0646\u062c\u0645\u0646\u0679&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0628\u0627\u0628\u0631 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0627\u0646\u0688\u0633\u0679\u0631\u06cc \u0645\u06cc\u06ba 12 \u0633\u0627\u0644\u0648\u06ba \u0633\u06d2\u06a9\u0627\u0645 \u06a9\u0631 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u06a9\u0627\u0645\u0646 \u0648\u06cc\u0644\u062a\u06be \u0628\u06cc\u0646\u06a9 \u0622\u0641 \u0622\u0633\u0679\u0631\u06cc\u0644\u06cc\u0627 \u06a9\u06d2 \u0648\u06cc\u0644\u062a\u06be \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0688\u0648\u06cc\u0698\u0646 \u0633\u06d2 \u0648\u0627\u0628\u0633\u062a\u06c1 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba \u062c\u06c1\u0627\u06ba \u0648\u06c1 \u06c1\u0627\u0626\u06cc \u0646\u06cc\u0679 \u0648\u0631\u062a\u06be (HNW) \u06a9\u0644\u0627\u0626\u0646\u0679\u0633 \u06a9\u0648 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u06cc \u062f\u06cc\u0646\u06d2 \u06a9\u06d2 \u0630\u0645\u06c1 \u062f\u0627\u0631 \u062a\u06be\u06d2\u06d4 \u0648\u06c1 \u0622\u0633\u0679\u0631\u06cc\u0644\u06cc\u0627 \u0645\u06cc\u06ba \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0679 \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632 \u06a9\u06cc \u0641\u0631\u0627\u06c1\u0645\u06cc \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u06cc\u06a9 \u0641\u0631\u06cc\u0645 \u0648\u0631\u06a9 \u062a\u06cc\u0627\u0631 \u06a9\u0631\u0646\u06d2 \u067e\u0631 \u06a9\u0627\u0645 \u06a9\u0631 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0627\u0633 \u0633\u06d2 \u0642\u0628\u0644 \u0648\u06c1 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0627\u06cc\u0646\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u06a9\u06d2 \u0645\u06cc\u062f\u0627\u0646 \u0645\u06cc\u06ba \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u067e\u0627\u06a9\u0633\u062a\u0627\u0646\u060c Emirates Global Islamic Bank Limited\u060c \u0627\u0648\u0631 MCCA Ltd (\u062c\u0648 \u0622\u0633\u0679\u0631\u06cc\u0644\u06cc\u0627 \u0645\u06cc\u06ba \u06c1\u06d2)\u060c \u062c\u06cc\u0633\u06d2 \u0627\u062f\u0627\u0631\u0648\u06ba \u0645\u06cc\u06ba \u067e\u0631\u0648\u0688\u06a9\u0679 \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u060c \u0648\u06cc\u0644\u062a\u06be \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0627\u0648\u0631 \u0628\u0632\u0646\u0633 \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u06a9\u06d2 \u0639\u06c1\u062f\u0648\u06ba \u067e\u0631 \u0641\u0627\u0626\u0632 \u062a\u06be\u06d2\u06d4<br \/>\n\u0628\u0627\u0628\u0631 \u0646\u06d2 Northeastern \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc\u060c \u0628\u0648\u0633\u0679\u0646 \u0633\u06d2\u0628\u0632\u0646\u0633 \u0627\u06cc\u0688\u0645\u0646\u0633\u0679\u0631\u06cc\u0634\u0646 \u0645\u06cc\u06ba \u0628\u06cc\u0686\u0644\u0631 \u0622\u0641 \u0633\u0627\u0626\u0646\u0633 \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc \u06c1\u06d2 \u062c\u0633 \u0645\u06cc\u06ba \u062f\u0648 \u0645\u06cc\u062c\u0631 \u0633\u0628\u062c\u06cc\u06a9\u0679 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0627\u06cc\u0646\u0688 \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0627\u0648\u0631\u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0627\u0646\u0641\u0627\u0631\u0645\u06cc\u0634\u0646 \u0633\u0633\u0679\u0645\u0632 \u062a\u06be\u06d2\u06d4 \u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1\u060c \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 University of Melbourne, VIC \u0633\u06d2\u0627\u06cc\u0645 \u0627\u06d2 \u0627\u0648\u0631 \u0645\u0627\u0633\u0679\u0631 \u0622\u0641 \u0627\u0646\u0641\u0627\u0631\u0645\u06cc\u0634\u0646 \u0633\u0633\u0679\u0645\u0632 \u0627\u0648\u0631 \u0627\u06cc\u0645 \u0628\u06cc \u0627\u06d2 \u06a9\u06cc\u0627 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0628\u0631\u0637\u0627\u0646\u06cc\u06c1 \u06a9\u06d2 \u0627\u0646\u0633\u0679\u06cc\u0679\u06cc\u0648\u0679 \u0622\u0641 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0627\u06cc\u0646\u0688 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     <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-373\" href=\"#team-%db%8c%d8%a7%d8%b3%d8%b1-%d8%ac%d9%85%d8%a7%d9%84%db%8c-%d8%8c-%d8%b3%db%8c-%d8%a2%d8%a6%db%8c-%d8%a7%db%8c%d9%85-%d8%a7%db%92\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Yasir-Jamali.jpg\" alt=\"\u06cc\u0627\u0633\u0631 \u062c\u0645\u0627\u0644\u06cc \u060c \u0633\u06cc \u0622\u0626\u06cc \u0627\u06cc\u0645 \u0627\u06d2\">\n                                                                        <h3 class=\"sub-heading\">\u06cc\u0627\u0633\u0631 \u062c\u0645\u0627\u0644\u06cc \u060c \u0633\u06cc \u0622\u0626\u06cc \u0627\u06cc\u0645 \u0627\u06d2<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-373\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Yasir-Jamali.jpg\" alt=\"\u06cc\u0627\u0633\u0631 \u062c\u0645\u0627\u0644\u06cc \u060c \u0633\u06cc \u0622\u0626\u06cc \u0627\u06cc\u0645 \u0627\u06d2\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u06cc\u0627\u0633\u0631 \u062c\u0645\u0627\u0644\u06cc \u060c \u0633\u06cc \u0622\u0626\u06cc \u0627\u06cc\u0645 \u0627\u06d2<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u067e\u0627\u0644\u06cc\u0633\u06cc \u0627\u0648\u0631 \u0637\u0631\u06cc\u0642\u06c1 \u06a9\u0627\u0631 \u06a9\u06cc \u062a\u0631\u0642\u06cc \u06a9\u06d2 \u0645\u0627\u06c1\u0631&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u062c\u0645\u0627\u0644\u06cc \u0627\u0633\u0644\u0627\u0645\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a \u06a9\u06d2 \u0634\u0639\u0628\u06d2 \u06a9\u06d2 \u0627\u06cc\u06a9 \u062a\u062c\u0631\u0628\u06c1 \u06a9\u0627\u0631 \u067e\u0631\u0648\u0641\u06cc\u0634\u0646\u0644 \u06c1\u06cc\u06ba \u062c\u0646\u06c1\u06cc\u06ba \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0633\u060c \u0631\u06cc\u0648\u06cc\u0648 \u0627\u0648\u0631 \u0622\u0688\u0679\u060c \u06a9\u0631\u06cc\u0688\u0679 \u0627\u06cc\u0646\u0627\u0644\u0627\u0626\u0633\u0632 \u060c \u0628\u0632\u0646\u0633 \u06a9\u0646\u0633\u0644\u0679\u0646\u0633\u06cc \u0627\u0648\u0631 \u067e\u0627\u0644\u06cc\u0633\u06cc \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u0627\u0648\u0631 \u0627\u06cc\u0633 \u0627\u0648 \u067e\u06cc\u0632 \u06a9\u06cc \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u06a9\u06d2 \u062a\u062c\u0631\u0628\u06d2 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0633\u0627\u062a\u06be \u0628\u06cc\u0646\u06a9\u0646\u06af \u06a9\u0627 \u06a9\u0626\u06cc \u0633\u0627\u0644\u06c1 \u062a\u062c\u0631\u0628\u06c1 \u06c1\u06d2\u06d4<\/p>\n<p>\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 IOBM \u06a9\u0631\u0627\u0686\u06cc (\u0633\u0627\u0628\u0642\u06c1CBM) \u0633\u06d2 \u0627\u06cc\u0645 \u0628\u06cc \u0627\u06d2 \u06a9\u06cc\u0627 \u06c1\u06d2\u06d4 \u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 CIMA (UK) \u0633\u06d2 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0646\u0627\u0646\u0633 \u0645\u06cc\u06ba \u0688\u067e\u0644\u0648\u0645\u06c1 \u0627\u0648\u0631 IBA-CIEF \u06a9\u0631\u0627\u0686\u06cc \u0633\u06d2 AAOIFI \u0634\u0631\u06cc\u0639\u06c1 \u0633\u0679\u06cc\u0646\u0688\u0631\u0688\u0632 \u0645\u06cc\u06ba \u0627\u06cc\u0688\u0648\u0627\u0646\u0633 \u0633\u0631\u0679\u06cc\u0641\u06cc\u06a9\u06cc\u0634\u0646 \u0628\u06be\u06cc \u06a9\u06cc \u06c1\u06d2\u06d4 \u0648\u06c1 IBA-CIEF \u0633\u06d2 \u0627\u0633\u0644\u0627\u0645\u06cc \u0628\u06cc\u0646\u06a9\u0648\u06ba \u06a9\u06d2 \u0679\u0631\u06cc\u0698\u0631\u06cc \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0627\u0648\u0631 Mentor Global Consultants-Abu Dhabi Islamic Bank (U.A.E) \u0627\u0648\u0631 \u062f\u06cc\u06af\u0631 \u0627\u062f\u0627\u0631\u0648\u06ba \u0633\u06d2 \u0627\u06cc\u0646\u0679\u06cc \u0645\u0646\u06cc \u0644\u0627\u0646\u0688\u0631\u0646\u06af \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0633 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0634\u0646 \u06a9\u06d2 \u062d\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-369\" href=\"#team-%d8%b9%d9%85%d8%b1-%d9%81%d8%a7%d8%b1%d9%88%d9%82-%da%a9%db%8c%d9%86%db%8c%da%88%d8%a7\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Umar-Farook-Canada.jpg\" alt=\"\u0639\u0645\u0631 \u0641\u0627\u0631\u0648\u0642 (\u06a9\u06cc\u0646\u06cc\u0688\u0627)\">\n                                                                        <h3 class=\"sub-heading\">\u0639\u0645\u0631 \u0641\u0627\u0631\u0648\u0642 (\u06a9\u06cc\u0646\u06cc\u0688\u0627)<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-369\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Umar-Farook-Canada.jpg\" alt=\"\u0639\u0645\u0631 \u0641\u0627\u0631\u0648\u0642 (\u06a9\u06cc\u0646\u06cc\u0688\u0627)\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0639\u0645\u0631 \u0641\u0627\u0631\u0648\u0642 (\u06a9\u06cc\u0646\u06cc\u0688\u0627)<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u0627\u0633\u0644\u0627\u0645\u06a9 \u0679\u0631\u06cc\u0698\u0631\u06cc \u0627\u0648\u0631 \u062a\u062c\u0627\u0631\u062a\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a \u0627\u06cc\u06a9\u0633\u067e\u0631\u0679&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]\u062c\u0646\u0627\u0628 \u0639\u0645\u0631 \u0641\u0627\u0631\u0648\u0642 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0679\u0631\u06cc\u0698\u0631\u06cc \u0627\u0648\u0631 \u062a\u062c\u0627\u0631\u062a\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a \u06a9\u06d2 \u0627\u06cc\u06a9 \u0642\u0627\u0628\u0644 \u0627\u0648\u0631 \u0645\u0633\u062a\u0646\u062f \u0645\u0627\u06c1\u0631 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646\u06c1\u06cc\u06ba \u062a\u06cc\u0646 \u0628\u0631\u0627\u0639\u0638\u0645\u0648\u06ba \u0645\u06cc\u06ba \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0627\u0648\u0631 \u062a\u0631\u0642\u06cc\u0627\u062a\u06cc \u0627\u062f\u0627\u0631\u0648\u06ba \u06a9\u06d2 \u0633\u0627\u062a\u06be \u06a9\u0627\u0645 \u06a9\u0631\u0646\u06d2 \u06a9\u0627 20 \u0633\u0627\u0644 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 \u06a9\u0627 \u0648\u0633\u06cc\u0639 \u062a\u062c\u0631\u0628\u06c1 \u06c1\u06d2\u06d4 \u0639\u0645\u0631\u0641\u0627\u0631\u0648\u0642 \u0646\u06d2 Queens University \u060c \u06a9\u06cc\u0646\u06cc\u0688\u0627 \u0633\u06d2 \u0645\u0627\u0633\u0679\u0631\u0632 \u0627\u0646 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 (MFin) \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc\u060c \u062c\u0628\u06a9\u06c1 \u0633\u0646\u0679\u0631 \u0622\u0641 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0627\u06a9\u0646\u0627\u0645\u06a9\u0633 (CIE) \u0627\u0648\u0631 \u0646\u06cc\u0634\u0646\u0644 \u0627\u0646\u0633\u0679\u06cc \u0679\u06cc\u0648\u0679 \u0622\u0641 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0627\u06cc\u0646\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 (NIBAF) \u0633\u06d2 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0645\u06cc\u06ba \u0688\u067e\u0644\u0648\u0645\u06c1 \u0628\u06be\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc\u0627 \u06c1\u06d2\u06d4 \u0627\u0646\u0679\u0631\u0646\u06cc\u0634\u0646\u0644 \u0686\u06cc\u0645\u0628\u0631 \u0622\u0641 \u06a9\u0627\u0645\u0631\u0633 (\u0622\u0626\u06cc \u0633\u06cc \u0633\u06cc) \u0645\u062a\u062d\u062f\u06c1 \u0639\u0631\u0628 \u0627\u0645\u0627\u0631\u0627\u062a \u0628\u06cc\u0646\u06a9\u0646\u06af \u06a9\u0645\u06cc\u0634\u0646 \u06a9\u06d2 \u0628\u0627\u0646\u06cc \u0627\u0648\u0631 \u06cc\u0648\u0646\u0627\u0626\u06cc\u0679\u0688 \u0628\u06cc\u0646\u06a9 \u0644\u0645\u06cc\u0679\u0688 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af (UBL-Ameen) \u0634\u0631\u0648\u0639 \u06a9\u0631\u0646\u06d2 \u0648\u0627\u0644\u06cc \u06a9\u0648\u0631 \u0679\u06cc\u0645 \u06a9\u06d2 \u0631\u06a9\u0646 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 UBL Ameen \u0645\u06cc\u06ba \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0645\u062e\u062a\u0644\u0641 \u0633\u06cc\u0646\u0626\u0631 \u0639\u06c1\u062f\u0648\u06ba \u067e\u0631 \u06a9\u0627\u0645 \u06a9\u06cc\u0627 \u06c1\u06d2\u060c \u062c\u06c1\u0627\u06ba \u0627\u0646 \u06a9\u0627 \u0622\u062e\u0631\u06cc \u0639\u06c1\u062f\u06c1 \u0631\u06cc\u062c\u0646\u0644 \u0628\u0632\u0646\u0633 \u06c1\u06cc\u0688 \u06a9\u0627 \u062a\u06be\u0627\u060c \u062c\u0633 \u0645\u06cc\u06ba \u0679\u0631\u06cc\u0698\u0631\u06cc\u060c \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0628\u06cc\u0646\u06a9\u0646\u06af\u060c \u0644\u0627\u0626\u06cc\u0628\u0644\u0679\u06cc \u0633\u06cc\u0644\u0632\u060c \u0679\u0631\u06cc\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0627\u0648\u0631 \u06a9\u06cc\u0634 \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u06a9\u06cc \u0630\u0645\u06c1 \u062f\u0627\u0631\u06cc\u0627\u06ba \u0634\u0627\u0645\u0644 \u062a\u06be\u06cc\u06ba\u06d4 \u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u06cc\u06a9 \u0628\u0691\u06d2 \u06a9\u06cc\u0646\u06cc\u0688\u06cc\u0646 \u0628\u06cc\u0646\u06a9 (CIBC) \u06a9\u06d2 \u0644\u0626\u06d2 \u06af\u0644\u0648\u0628\u0644 \u0679\u0631\u06cc\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0688\u06cc\u067e\u0627\u0631\u0679\u0645\u0646\u0679 \u06a9\u06d2 \u06a9\u0644\u0627\u0626\u0646\u0679 \u0633\u0631\u0648\u0633 \u0688\u0648\u06cc\u0698\u0646 \u06a9\u06cc \u0633\u0631\u0628\u0631\u0627\u06c1\u06cc \u0628\u06be\u06cc \u06a9\u06cc\u06d4 \u0639\u0645\u0631 \u0646\u06d2 \u0622\u0626\u06cc \u0633\u06cc \u0633\u06cc \u060c \u0627\u0646\u0633\u0679\u06cc \u0679\u06cc\u0648\u0679 \u0622\u0641 \u0628\u06cc\u0646\u06a9\u0631\u0632 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 (IBP) \u0627\u0648\u0631 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u060c \u0645\u062a\u062d\u062f\u06c1 \u0639\u0631\u0628 \u0627\u0645\u0627\u0631\u0627\u062a \u0627\u0648\u0631 \u06a9\u06cc\u0646\u06cc\u0688\u0627 \u06a9\u06d2 \u0628\u06cc\u0646\u06a9\u0648\u06ba \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0627\u0633\u0644\u0627\u0645\u06a9 \u0627\u0648\u0631 \u0679\u0631\u06cc\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0633\u06d2 \u0645\u062a\u0639\u0644\u0642 \u0645\u062a\u0639\u062f\u062f \u0679\u0631\u06cc\u0646\u0646\u06af\u0632 \u0628\u06be\u06cc \u06a9\u0631\u0648\u0627\u0626\u06cc \u06c1\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-368\" href=\"#team-%da%88%d8%a7%da%a9%d9%b9%d8%b1-%d9%81%d8%b1%d8%ae-%d8%ad%d8%a8%db%8c%d8%a8\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Farrukh-Habib.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0641\u0631\u062e \u062d\u0628\u06cc\u0628\">\n                                                                        <h3 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0641\u0631\u062e \u062d\u0628\u06cc\u0628<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-368\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Farrukh-Habib.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u0641\u0631\u062e \u062d\u0628\u06cc\u0628\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u0641\u0631\u062e \u062d\u0628\u06cc\u0628<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u0641\u0646\u0679\u06cc\u06a9 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0641\u0631\u062e \u0627\u0646\u0679\u0631\u0646\u06cc\u0634\u0646\u0644 \u0634\u0631\u06cc\u0639\u06c1 \u0631\u06cc\u0633\u0631\u0686 \u0627\u06a9\u06cc\u0688\u0645\u06cc \u0628\u0631\u0627\u0626\u06d2 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0641\u0627\u0626\u0646\u0627\u0646\u0633( ISRA) \u06a9\u0648\u0627\u0644\u0627\u0644\u0645\u067e\u0648\u0631 \u0645\u06cc\u06ba 2013 \u0633\u06d2 \u0631\u06cc\u0633\u0631\u0686 \u0627\u0633\u06a9\u0627\u0644\u0631 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u06a9\u0627\u0645 \u06a9\u0631 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646 \u06a9\u06cc \u0645\u06c1\u0627\u0631\u062a Sovereign \u0648\u06cc\u0644\u062a\u06be \u0641\u0646\u0688 \u060c \u06a9\u06cc\u067e\u06cc\u0679\u0644 \u0645\u0627\u0631\u06a9\u06cc\u0679 \u060c \u0627\u0633\u0644\u0627\u0645\u06a9 \u06c1\u06cc\u062c\u0646\u06af \u0627\u0646\u0633\u0679\u0631\u0648\u0645\u0646\u0679\u0633\u060c \u0627\u0633\u0679\u0627\u06a9 \u06a9\u06cc\u0644\u0626\u06d2 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u0633\u06a9\u0631\u06cc\u0646\u0646\u06af \u06a9\u06d2 \u0645\u0639\u06cc\u0627\u0631 \u060c \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u06a9\u0631\u067e\u0679\u0648 \u06a9\u0631\u0646\u0633\u06cc\u060c \u0622\u0631\u0679\u06cc\u0641\u06cc\u0634\u0644 \u0627\u0646\u0679\u06cc\u0644\u06cc\u062c\u0646\u0633 \u0627\u0648\u0631 \u0635\u06a9\u0648\u06a9 \u0633\u0645\u06cc\u062a Fintech \u06a9\u06d2 \u0634\u0639\u0628\u0648\u06ba \u06a9\u0648 \u0634\u0627\u0645\u0644 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u0633\u0644\u0627\u0645\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a \u06a9\u06d2 \u0645\u062e\u062a\u0644\u0641 \u0645\u0648\u0636\u0648\u0639\u0627\u062a \u067e\u0631 \u0645\u062a\u0639\u062f\u062f \u062a\u062d\u0642\u06cc\u0642\u06cc \u0645\u0642\u0627\u0644\u06d2 \u0645\u06a9\u0645\u0644 \u06a9\u06cc\u06d2 \u06c1\u06cc\u06ba \u062c\u0648 \u0628\u06cc\u0646 \u0627\u0644\u0627\u0642\u0648\u0627\u0645\u06cc \u0633\u0637\u062d \u067e\u0631 \u0634\u0627\u0626\u0639 \u06c1\u0648 \u0686\u06a9\u06d2 \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u0641\u0631\u062e \u0646\u06d2 \u06a9\u0648\u0627\u0644\u0627\u0644\u0645\u067e\u0648\u0631\u060c \u0645\u0644\u0627\u0626\u06cc\u0634\u06cc\u0627 \u06a9\u06d2INCEIF\u0633\u06d2 \u067e\u06cc \u0627\u06cc\u0686 \u0688\u06cc \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc\u06d4 \u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 Queen Mary, University of London, UK \u0633\u06d2 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0627\u0648\u0631 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0645\u06cc\u06ba \u0645\u0627\u0633\u0679\u0631 (\u0627\u06cc\u0645 \u0627\u06cc\u0633 \u0633\u06cc) \u0627\u0648\u0631 \u06a9\u0631\u0627\u0686\u06cc \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc\u060c \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0633\u06d2 \u0627\u06a9\u0646\u0627\u0645\u06a9\u0633 \u0645\u06cc\u06ba \u0645\u0627\u0633\u0679\u0631\u0632 (\u0627\u06cc\u0645 \u0627\u06d2) \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc \u06c1\u06d2\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-367\" href=\"#team-%da%a9%d8%a7%d8%b4%d9%81-%d8%b5%d8%af%db%8c%d9%82%db%8c%db%94\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Kashif-Siddiqee.jpg\" alt=\"\u06a9\u0627\u0634\u0641 \u0635\u062f\u06cc\u0642\u06cc\u06d4\">\n                                                                        <h3 class=\"sub-heading\">\u06a9\u0627\u0634\u0641 \u0635\u062f\u06cc\u0642\u06cc\u06d4<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-367\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Kashif-Siddiqee.jpg\" alt=\"\u06a9\u0627\u0634\u0641 \u0635\u062f\u06cc\u0642\u06cc\u06d4\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u06a9\u0627\u0634\u0641 \u0635\u062f\u06cc\u0642\u06cc\u06d4<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u062a\u06a9\u0627\u0641\u0644 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u06a9\u0627\u0634\u0641 \u0635\u062f\u06cc\u0642\u06cc \u0627\u06cc\u06a9 \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0627\u0648\u0631 \u062a\u06a9\u0627\u0641\u0644 \u06a9\u06d2 \u0634\u0639\u0628\u06d2 \u06a9\u06d2 \u0627\u06cc\u06a9 \u0645\u0627\u06c1\u0631 \u06c1\u06cc\u06ba\u060c \u062c\u0646\u06c1\u06cc\u06ba \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0627\u0648\u0631 \u0639\u0645\u0627\u0646 \u0645\u06cc\u06ba \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631\u0632 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u06a9\u0627\u0645 \u06a9\u0627 9 \u0633\u0627\u0644 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 \u06a9\u0627 \u0648\u0633\u06cc\u0639 \u062a\u062c\u0631\u0628\u06c1 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0644\u0627\u0621 \u0688\u0648\u06cc\u0698\u0646 \u0627\u0648\u0631 \u067e\u06be\u0631 \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0688\u0648\u06cc\u0698\u0646 \u06a9\u06d2 \u0627\u0646\u0641\u0648\u0631\u0633\u0645\u0646\u0679 \u0688\u06cc\u067e\u0627\u0631\u0679\u0645\u0646\u0679 \u0645\u06cc\u06ba \u062c\u0648\u0627\u0626\u0646\u0679 \u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u0633\u06cc\u06a9\u06cc\u0648\u0631\u0679\u06cc\u0632 \u0627\u06cc\u0646\u0688 \u0627\u06cc\u06a9\u0633\u0686\u06cc\u0646\u062c \u06a9\u0645\u06cc\u0634\u0646 \u0622\u0641 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0645\u06cc\u06ba \u062e\u062f\u0645\u0627\u062a \u0633\u0631\u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u06ba\u06d4 \u062a\u06a9\u0627\u0641\u0644 \u0631\u0648\u0644\u0632 2012 \u0645\u0631\u062a\u0628 \u06a9\u0631\u0646\u06d2 \u0627\u0648\u0631 \u0645\u0633\u0648\u062f\u06c1 \u062a\u06cc\u0627\u0631 \u06a9\u0631\u0646\u06d2 \u0645\u06cc\u06ba \u0627\u0646 \u06a9\u0627 \u0627\u06c1\u0645 \u06a9\u0631\u062f\u0627\u0631 \u062a\u06be\u0627\u06d4 \u0627\u0633 \u06a9\u06d2 \u0639\u0644\u0627\u0648\u06c1 \u060c \u0627\u0646 \u06a9\u06cc \u0630\u0645\u06c1 \u062f\u0627\u0631\u06cc\u0648\u06ba \u0645\u06cc\u06ba \u06a9\u0645\u067e\u0646\u06cc\u0632\u0622\u0631\u0688\u06cc\u0646\u0646\u0633\u060c 1984\u0621\u060c \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0622\u0631\u0688\u06cc\u0646\u0646\u0633\u060c 2000\u0621 \u060c \u062a\u06a9\u0627\u0641\u0644 \u0631\u0648\u0644\u0632\u060c 2012\u0621\u060c \u0627\u0646\u0679\u0631\u0646\u06cc\u0634\u0646\u0644 \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u06af \u0627\u06cc\u0646\u0688 \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u0631\u067e\u0648\u0631\u0679\u0646\u06af \u0633\u0679\u06cc\u0646\u0688\u0631\u0688\u0632 (IAS&#8217;s &amp; IFRS&#8217;s) \u06a9\u06d2 \u062a\u062d\u062a \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u06a9\u06cc \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0627\u0648\u0631 \u062a\u06a9\u0627\u0641\u0644 \u0627\u0646\u0688\u0633\u0679\u0631\u06cc \u06a9\u06cc \u0646\u06af\u0631\u0627\u0646\u06cc \u0634\u0627\u0645\u0644 \u062a\u06be\u06cc\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0639\u0645\u0627\u0646 \u0645\u06cc\u06ba \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631 \u06a9\u0648 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u06cc \u06a9\u06cc \u062e\u062f\u0645\u0627\u062a \u0628\u06be\u06cc \u0641\u0631\u0627\u06c1\u0645 \u06a9\u06cc\u06ba \u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0627\u0646\u0634\u0648\u0631\u0646\u0633 \u0627\u0648\u0631 \u062a\u06a9\u0627\u0641\u0644 \u0633\u06cc\u06a9\u0679\u0631 \u06a9\u06d2 \u0645\u062a\u0639\u0644\u0642 \u0646\u0626\u06d2 \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631\u06cc \u0641\u0631\u06cc\u0645 \u0648\u0631\u06a9 \u06a9\u0627 \u0645\u0633\u0648\u062f\u06c1 \u062a\u06cc\u0627\u0631 \u06a9\u06cc\u0627 \u06c1\u06d2 \u0627\u0648\u0631 \u0645\u0648\u062c\u0648\u062f \u0642\u0648\u0627\u0646\u06cc\u0646 \u0627\u0648\u0631 \u0636\u0648\u0627\u0628\u0637 \u06a9\u0648 \u0627\u0632\u0633\u0631 \u0646\u0648 \u062a\u0634\u06a9\u06cc\u0644 \u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 Risk Based Supervision Approach \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642 Supervisory Methodology \u06a9\u0648 \u0628\u06be\u06cc \u062a\u0631\u062a\u06cc\u0628 \u062f\u06cc\u0627 \u06c1\u06d2\u06d4<\/p>\n<p>\u06a9\u0627\u0634\u0641 \u0627\u0646\u0633\u0679\u06cc\u0679\u06cc\u0648\u0679 \u0622\u0641 \u0686\u0627\u0631\u0679\u0631\u0688 \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u0679\u0633 \u0622\u0641 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u06a9\u06d2 \u0641\u06cc\u0644\u0648 \u0645\u0645\u0628\u0631 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0627\u0646\u0633\u0679\u06cc\u0679\u06cc\u0648\u0679 \u0622\u0641 \u067e\u0628\u0644\u06a9 \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0627\u06a9\u0627\u0624\u0646\u0679\u0646\u0679\u0633 (PIPFA) \u06a9\u06d2 \u0641\u06cc\u0644\u0648 \u0645\u0645\u0628\u0631 \u06c1\u06cc\u06ba\u06d4\u0648\u06c1 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af\u060c \u0641\u0627\u0626\u0646\u0627\u0646\u0633 \u0627\u0648\u0631 \u062a\u06a9\u0627\u0641\u0644 \u0645\u06cc\u06ba \u067e\u0648\u0633\u0679 \u06af\u0631\u06cc\u062c\u0648\u06cc\u0679 \u0688\u067e\u0644\u0648\u0645\u06c1-\u067e\u06cc \u062c\u06cc \u0688\u06cc \u06a9\u06d2 \u062d\u0627\u0645\u0644 \u06c1\u06cc\u06ba\u06d4 \u0648\u06c1 \u0627\u06cc\u06a9 \u0633\u0631\u0679\u06cc\u0641\u0627\u0626\u06cc\u0688 \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0633 \u0622\u0688\u06cc\u0679\u0631 (CSCA) \u0628\u06be\u06cc \u06c1\u06cc\u06ba\u06d4<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-365\" href=\"#team-%d8%b9%d8%b8%db%8c%d9%85-%d8%a7%d9%82%d8%a8%d8%a7%d9%84-%d9%be%db%8c%d8%b1%d8%a7%d9%86%db%8c\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Azeem-Iqbal-Pirani.jpg\" alt=\"\u0639\u0638\u06cc\u0645 \u0627\u0642\u0628\u0627\u0644 \u067e\u06cc\u0631\u0627\u0646\u06cc\">\n                                                                        <h3 class=\"sub-heading\">\u0639\u0638\u06cc\u0645 \u0627\u0642\u0628\u0627\u0644 \u067e\u06cc\u0631\u0627\u0646\u06cc<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-365\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Azeem-Iqbal-Pirani.jpg\" alt=\"\u0639\u0638\u06cc\u0645 \u0627\u0642\u0628\u0627\u0644 \u067e\u06cc\u0631\u0627\u0646\u06cc\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0639\u0638\u06cc\u0645 \u0627\u0642\u0628\u0627\u0644 \u067e\u06cc\u0631\u0627\u0646\u06cc<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u062a\u06a9\u0627\u0641\u0644 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679 \u0627\u0648\u0631 \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0679\u0631\u06cc\u0646\u0631&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0639\u0638\u06cc\u0645 \u0627\u0642\u0628\u0627\u0644 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\u0646\u0645\u0627\u06cc\u0627\u06ba \u067e\u06c1\u0686\u0627\u0646 \u0628\u0646\u0627\u0646\u0627 \u06c1\u06d2 \u0628\u0644\u06a9\u06c1 \u0639\u0627\u0644\u0645\u06cc \u0645\u0627\u0644\u06cc\u0627\u062a\u06cc \u0635\u0646\u0639\u062a \u06a9\u06d2 \u0627\u0633 \u0646\u0633\u0628\u062a\u0627\u064b \u0646\u0626\u06d2 \u0645\u06af\u0631 \u062a\u06cc\u0632\u06cc \u0633\u06d2 \u062a\u0631\u0642\u06cc \u06a9\u0631\u062a\u06d2 \u06c1\u0648\u0626\u06d2 \u0634\u0639\u0628\u06d2 \u0645\u06cc\u06ba \u0645\u0624\u062b\u0631 \u06a9\u0631\u062f\u0627\u0631 \u0627\u062f\u0627 \u06a9\u0631\u0646\u0627 \u0628\u06be\u06cc \u06c1\u06d2\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-363\" href=\"#team-%d9%85%d9%81%d8%aa%db%8c-%d8%b2%d8%a7%db%81%d8%af\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Mufti-Zahid.jpg\" alt=\"\u0645\u0641\u062a\u06cc \u0632\u0627\u06c1\u062f\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u0641\u062a\u06cc \u0632\u0627\u06c1\u062f<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-363\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Mufti-Zahid.jpg\" alt=\"\u0645\u0641\u062a\u06cc \u0632\u0627\u06c1\u062f\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u0641\u062a\u06cc \u0632\u0627\u06c1\u062f<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u062a\u06a9\u0627\u0641\u0644 \u06a9\u06d2 \u0645\u0634\u06cc\u0631 \u0627\u0648\u0631 \u0679\u0631\u06cc\u0646\u0631&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0645\u0641\u062a\u06cc \u0645\u062d\u0645\u062f 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class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-361\" href=\"#team-%da%88%d8%a7%da%a9%d9%b9%d8%b1-%db%8c%d9%88%d8%b3%d9%81-%d8%b9%d8%a8%d8%af-%d8%a7%d9%84%d8%ac%d8%a8%d8%a7%d8%b1\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Yusuf-Abdul-Jobbar.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u06cc\u0648\u0633\u0641 \u0639\u0628\u062f \u0627\u0644\u062c\u0628\u0627\u0631\">\n                                                                        <h3 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u06cc\u0648\u0633\u0641 \u0639\u0628\u062f \u0627\u0644\u062c\u0628\u0627\u0631<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-361\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Dr.-Yusuf-Abdul-Jobbar.jpg\" alt=\"\u0688\u0627\u06a9\u0679\u0631 \u06cc\u0648\u0633\u0641 \u0639\u0628\u062f \u0627\u0644\u062c\u0628\u0627\u0631\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0688\u0627\u06a9\u0679\u0631 \u06cc\u0648\u0633\u0641 \u0639\u0628\u062f \u0627\u0644\u062c\u0628\u0627\u0631<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0679\u0631\u06cc\u0646\u0631&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0688\u0627\u06a9\u0679\u0631 \u06cc\u0648\u0633\u0641 \u0639\u0628\u062f \u0627\u0644\u062c\u0628\u0627\u0631 \u062f\u0646\u06cc\u0627 \u06a9\u06cc \u0645\u0634\u06c1\u0648\u0631 \u0627\u0633\u0644\u0627\u0645\u06cc \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0622\u0641 \u0645\u062f\u06cc\u0646\u06c1\u060c\u0633\u0639\u0648\u062f\u06cc \u0639\u0631\u0628 \u06a9\u06d2 \u06c1\u06cc\u0688 \u0622\u0641 \u067e\u0631\u0648\u06af\u0631\u0627\u0645\u0632 \u06c1\u06cc\u06ba\u06d4\u00a0\u0648\u06c1 \u0645\u0633\u062c\u062f \u0627\u0644\u0646\u0628\u0648\u06cc \u06a9\u06d2 \u06a9\u0627\u0644\u062c \u0645\u06cc\u06ba \u0628\u06be\u06cc \u0644\u06cc\u06a9\u0686\u0631 \u062f\u06cc\u062a\u06d2 \u06c1\u06cc\u06ba \u062c\u0648 \u0645\u0633\u062c\u062f 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  <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-357\" href=\"#team-%d8%b1%d8%a7%d8%ad%db%8c%d9%84-%d8%a8%da%be%da%af%d8%b1\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Raheel-Bhagar-1.jpg\" alt=\"\u0631\u0627\u062d\u06cc\u0644 \u0628\u06be\u06af\u0631\">\n                                                                        <h3 class=\"sub-heading\">\u0631\u0627\u062d\u06cc\u0644 \u0628\u06be\u06af\u0631<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-357\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Raheel-Bhagar-1.jpg\" alt=\"\u0631\u0627\u062d\u06cc\u0644 \u0628\u06be\u06af\u0631\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0631\u0627\u062d\u06cc\u0644 \u0628\u06be\u06af\u0631<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u0679\u0631\u06cc\u0646\u0631&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u0631\u0627\u062d\u06cc\u0644 \u0628\u06be\u0627\u06af\u0691 \u0627\u06cc\u06a9 \u0633\u0631\u0679\u06cc\u0641\u0627\u0626\u06cc\u0688 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631 \u0627\u06cc\u0646\u0688 \u0622\u0688\u06cc\u0679\u0631 (CSAA) \u0627\u0648\u0631 \u0627\u0639\u0644\u06cc \u062a\u0639\u0644\u06cc\u0645 \u06cc\u0627\u0641\u062a\u06c1 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0631\u06c1\u06cc\u06ba\u06d4 \u0631\u0627\u062d\u06cc\u0644 \u0627\u06cc\u06a9 \u062a\u062c\u0631\u0628\u06c1 \u06a9\u0627\u0631 \u0628\u06cc\u0646\u06a9\u0631 \u06c1\u06d2 \u062c\u0646\u06c1\u06cc\u06ba 10 \u0633\u0627\u0644 \u06a9\u0627 \u0648\u0633\u06cc\u0639 \u062a\u062c\u0631\u0628\u06c1 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u06c1\u06cc\u0688 \u06a9\u0631\u06cc\u0688\u0679 \u0627\u06cc\u0646\u0688 \u0644\u06cc\u0632\u0646\u06af \u0627\u0648\u0631 \u06cc\u0648\u0646\u0679 \u06c1\u06cc\u0688 \u0627\u0633\u0644\u0627\u0645\u06a9 \u06a9\u0631\u06cc\u0688\u0679 \u0622\u067e\u0631\u06cc\u0634\u0646 \u060c \u0679\u0631\u06cc\u0646\u0646\u06af \u0627\u0648\u0631 \u0634\u0631\u06cc\u0639\u06c1 \u06a9\u0645\u067e\u0644\u0627\u0626\u0646\u0633 \u062c\u06cc\u0633\u06d2 \u0627\u06c1\u0645 \u0639\u06c1\u062f\u0648\u06ba \u067e\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06cc\u06ba \u06c1\u06cc\u06ba\u06d4<\/p>\n<p>\u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 Durham \u0628\u0632\u0646\u0633 \u0627\u0633\u06a9\u0648\u0644 (DUBS) \u0688\u0631\u06c1\u0645 \u06cc\u0648\u0646\u06cc\u0648\u0631\u0633\u0679\u06cc \u0628\u0631\u0637\u0627\u0646\u06cc\u06c1 \u0633\u06d2 \u0641\u0646\u0627\u0646\u0633 \u0627\u0648\u0631 \u0627\u0646\u0648\u06cc\u0633\u0679\u0645\u0646\u0679 \u0645\u06cc\u06ba \u0627\u06cc\u0645 \u0627\u06cc\u0633 \u0633\u06cc \u0627\u0648\u0631 SZABIST \u0633\u06d2 \u0627\u06cc\u0645 \u0628\u06cc \u0627\u06d2 \u06a9\u06cc \u0688\u06af\u0631\u06cc \u062d\u0627\u0635\u0644 \u06a9\u06cc \u06c1\u06d2 \u06d4 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\u060c \u067e\u0627\u0644\u06cc\u0633\u06cc \u0627\u0648\u0631 \u0637\u0631\u06cc\u0642\u06c1 \u06a9\u0627\u0631 \u060c \u0627\u0633\u0679\u06cc\u0679 \u0628\u06cc\u0646\u06a9 \u0631\u06cc\u06af\u0648\u0644\u06cc\u0634\u0646\u0632 \u060c \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u0633\u0679\u06cc\u0679\u0645\u0646\u0679 \u06a9\u0627 \u062a\u062c\u0632\u06cc\u06c1 \u060c \u0627\u0633\u0644\u0627\u0645\u06a9 \u0679\u0631\u06cc\u0688 \u0622\u067e\u0631\u06cc\u0634\u0646 \u0648\u063a\u06cc\u0631\u06c1 \u062c\u06cc\u0633\u06d2 \u0645\u0648\u0636\u0648\u0639\u0627\u062a \u067e\u0631 \u0679\u0631\u06cc\u0646\u0646\u06af\u0632 \u062f\u06cc \u06c1\u06cc\u06ba\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                 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src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/Khayyam-Danish.jpg\" alt=\"\u062e\u06cc\u0627\u0645 \u062f\u0627\u0646\u0634\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u062e\u06cc\u0627\u0645 \u062f\u0627\u0646\u0634<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u067e\u0631\u0648\u0688\u06a9\u0679 \u0633\u067e\u06cc\u0634\u0644\u0633\u0679&#8221; font_container=&#8221;tag:h2|text_align:right&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u062f\u0627\u0646\u0634 \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0627\u06cc\u06a9 \u062f\u06c1\u0627\u0626\u06cc \u0633\u06d2 \u0628\u0691\u06d2 \u0628\u06cc\u0646\u06a9\u0648\u06ba \u0645\u06cc\u06ba \u067e\u0631\u0648\u062c\u06cc\u06a9\u0679 \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0627\u0648\u0631 \u067e\u0631\u0648\u0688\u06a9\u0679 \u0688\u0648\u06cc\u0644\u067e\u0645\u0646\u0679 \u06a9\u06cc \u0633\u0631\u06af\u0631\u0645\u06cc\u0648\u06ba \u0633\u06d2 \u0648\u0627\u0628\u0633\u062a\u06c1 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0645\u062e\u062a\u0644\u0641 \u0627\u062f\u0627\u0631\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u067e\u0691\u0648\u0688\u06a9\u0679\u0633 \u0627\u0648\u0631 \u0633\u0631\u0648\u0633\u0632 \u06a9\u0627 \u0627\u06cc\u06a9 \u062c\u0627\u0645\u0639 \u067e\u0648\u0631\u0679 \u0641\u0648\u0644\u06cc\u0648 \u062a\u06cc\u0627\u0631 \u06a9\u06cc\u0627 \u06c1\u06d2\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2 \u0628\u0632\u0646\u0633 \u060c \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u0632\u060c \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631 \u0641\u0627\u0626\u0646\u0627\u0646\u0634\u0644 \u06a9\u0646\u0679\u0631\u0648\u0644\u0631\u060c \u0622\u0631 \u0627\u06cc\u0645 \u06cc\u0648 (\u0631\u0633\u06a9 \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u06cc\u0648\u0646\u0679) \u0627\u0648\u0631 \u0622\u067e\u0631\u06cc\u0634\u0646 \u06af\u0631\u0648\u067e \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0645\u0644 \u06a9\u0631 \u0627\u0648\u0631 \u0622\u0626\u06cc \u0679\u06cc \u0622\u067e\u0631\u06cc\u0634\u0646\u0632 \u0679\u06cc\u0645 \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0645\u0644 \u06a9\u0631 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u0645\u0627\u0688\u0644\u0632 \u0627\u0648\u0631 core-banking \u0633\u0633\u0679\u0645\u0632 \u06a9\u06cc \u062a\u06cc\u0627\u0631\u06cc \u0627\u0648\u0631 \u0627\u0646 \u06a9\u06d2 \u0646\u0641\u0627\u0630 \u067e\u0631 \u06a9\u0627\u0645 \u06a9\u06cc\u0627\u06d4 \u0648\u06c1 \u0627\u0633\u0644\u0627\u0645\u06a9 \u0628\u06cc\u0646\u06a9\u0646\u06af \u067e\u0631\u0648\u0688\u06a9\u0679\u0633 \u0627\u0648\u0631 \u0633\u0631\u0648\u0633\u0632 \u06a9\u06cc \u0648\u0633\u06cc\u0639 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0633\u0627\u062a\u06be \u0645\u06cc\u0646\u062c\u0645\u0646\u0679 \u0627\u0648\u0631 \u0631\u06cc\u06af\u0648\u0644\u06cc\u0679\u0631\u06cc \u06af\u0627\u0626\u06cc\u0688\u0644\u0627\u0626\u0646\u0632 \u06a9\u0627 \u0648\u0633\u06cc\u0639 \u0639\u0644\u0645 \u0631\u06a9\u06be\u062a\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0627\u0646\u06c1\u0648\u06ba \u0646\u06d2\u06a9\u0626\u06cc \u067e\u0631\u0648\u0688\u06a9\u0679 \u06a9\u0648 \u0627\u0646 \u06a9\u06d2 \u062a\u0635\u0648\u0631\u0633\u06d2 \u0644\u06d2 \u06a9\u0631 \u0627\u0646 \u06a9\u06d2 \u0644\u0627\u0646\u0686 \u06a9\u0631\u0646\u06d2 \u062a\u06a9 \u06a9\u0627\u0645\u06cc\u0627\u0628\u06cc \u06a9\u06d2 \u0633\u0627\u062a\u06be \u0645\u0646\u0638\u0645 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           <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u0631\u06cc\u0633\u0631\u0686 \u0679\u06cc\u0645<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-574\" href=\"#team-%d9%85%d9%81%d8%aa%db%8c-%d9%81%db%8c%d8%b6%d8%a7%d9%86-%d8%b9%d9%85%d8%b1\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/Mufti-Faizan-Umar-1.webp\" alt=\"\u0645\u0641\u062a\u06cc \u0641\u06cc\u0636\u0627\u0646 \u0639\u0645\u0631\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u0641\u062a\u06cc \u0641\u06cc\u0636\u0627\u0646 \u0639\u0645\u0631<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-574\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/Mufti-Faizan-Umar-1.webp\" alt=\"\u0645\u0641\u062a\u06cc \u0641\u06cc\u0636\u0627\u0646 \u0639\u0645\u0631\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0645\u0641\u062a\u06cc \u0641\u06cc\u0636\u0627\u0646 \u0639\u0645\u0631<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u0645\u0641\u062a\u06cc \u0641\u06cc\u0636\u0627\u0646 \u0639\u0645\u0631 \u0627\u062d\u0633\u0627\u0646 \u0634\u0631\u06cc\u0639\u06c1 \u0627\u06cc\u0688\u0648\u0627\u0626\u0632\u0631\u0632 \u0627\u06cc\u0646\u0688 \u06a9\u0646\u0633\u0644\u0679\u0646\u0679\u0633 \u067e\u0631\u0627\u0626\u06cc\u0648\u06cc\u0679 \u0644\u0645\u06cc\u0679\u0688 \u0645\u06cc\u06ba \u0628\u0637\u0648\u0631 \u0627\u0633\u0633\u0679\u0646\u0679 \u0645\u0646\u06cc\u062c\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u062c\u0627\u0645 \u062f\u06d2 \u0631\u06c1\u06d2 \u06c1\u06cc\u06ba\u06d4 \u0644\u0645\u06cc\u0679\u0688 (ESAAC) \u0627\u0633\u0644\u0627\u0645\u06cc \u0641\u0646\u0627\u0646\u0633 \u0645\u06cc\u06ba 9 \u0633\u0627\u0644 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\u0639\u0645\u0644\u06cc \u0627\u0637\u0644\u0627\u0642 \u06a9\u06d2 \u062f\u0631\u0645\u06cc\u0627\u0646 \u0641\u0631\u0642 \u06a9\u0648 \u062e\u062a\u0645 \u06a9\u0631\u0646\u06d2 \u0645\u06cc\u06ba \u0633\u0631\u06af\u0631\u0645 \u0639\u0645\u0644 \u06c1\u06d2\u06d4[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-558\" href=\"#team-%d9%85%d8%ad%d9%85%d8%af-%d8%a7%d8%ad%d9%85%d8%af-%d8%ae%d8%a7%d9%86\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/Ahmed-Khan.webp\" alt=\"\u0645\u062d\u0645\u062f \u0627\u062d\u0645\u062f \u062e\u0627\u0646\">\n                                                                        <h3 class=\"sub-heading\">\u0645\u062d\u0645\u062f \u0627\u062d\u0645\u062f \u062e\u0627\u0646<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-558\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/Ahmed-Khan.webp\" alt=\"\u0645\u062d\u0645\u062f \u0627\u062d\u0645\u062f \u062e\u0627\u0646\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                   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alt=\"\u0646\u0627\u062f\u0631 \u062e\u0627\u0646\">\n                                                                        <h3 class=\"sub-heading\">\u0646\u0627\u062f\u0631 \u062e\u0627\u0646<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-556\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/11\/Nadir-Bhai.webp\" alt=\"\u0646\u0627\u062f\u0631 \u062e\u0627\u0646\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 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                         <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-555\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/urdu\/wp-content\/uploads\/2025\/10\/team.jpeg\" alt=\"\u0633\u0645\u06cc\u0639 \u0627\u0644\u0644\u06c1\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u0633\u0645\u06cc\u0639 \u0627\u0644\u0644\u06c1<\/h2>\n                                            <div class=\"team-content\">\n                                                <div 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