Credit & Working Capital
Rising DSO Is Never Just a Collections Problem
DSO is a symptom, not a target. The four upstream causes of rising days-sales-outstanding — terms-led revenue, customer concentration, unbooked disputes, and becoming someone's credit line — and the different fix each one needs.
Tax & Fiscal Policy
Budget 2026-27's Two Clear Winners: The Salaried Class and Exporters
The Finance Bill 2026 cuts effective rates for the salaried class, abolishes the 4AB surcharge and most super tax, and hands exporters a leaner 1.25% minimum-tax regime — with payroll systems to update before July 1.
Real Estate & REITs
Budget 2026-27 Puts Pakistan's REITs Squarely in Scope
The Finance Bill 2026 redraws the capital-markets perimeter — mandatory NCCPL for CGT, 15% CGT on listed REIT debt, property WHT and CVT changes, and a 31% drop in real-estate FDI. What it means for Shariah-compliant REIT structuring under SECP Regulations 2022.
Energy
Pakistan's Energy Transition: Where the Bankable Opportunities Actually Are
Capacity payments, circular debt, and the grid are reshaping which renewable and efficiency plays can actually be financed. A practitioner's map of where the money is real.
PPP & Infrastructure
Why Most PPP Bids Fail the Bankability Test — and How to Fix Yours
Strong projects die in financial close. The five recurring reasons PPP bids stall — risk allocation, revenue certainty, FX, the SPV, and the offtake — and how to de-risk each.
Agentic AI
Agentic AI in Professional Services: What's Actually Production-Ready
Beyond the demos — where autonomous agents already create defensible value in advisory, finance, and dispute work, and where keeping a human in the loop is non-negotiable.