Rafique R. Bhimjee Mr. Rafique R. Bhimjee is B.Sc (Hons) in Management Science, University of Warwick, MBA in Finance from City University, London and a “Certified Director” from Pakistan Institute of Corporate Governance. Mr. Rafique Bhimjee has worked overseas in Merrill Lynch Asset Management, New York and Abu Dhabi Investment Authority. He is associated with EFU group since August 22, 1991 when he was co‐opted as Director on the Board of EFU General Insurance Ltd. He has been the Chairman of Allianz EFU Health Insurance Ltd. since its inception. He was the Chairman of EFU General Insurance Ltd. from February 1999 to July 2011 and is now Chairman of EFU Life Assurance Ltd. Mr. Rafique Bhimjee is also Director of EFU General Insurance Ltd., EFU Life Assurance Ltd. and EFU Services (Pvt.) Ltd. In addition to EFU Group, he is also the Director of International Foundation Garments (Pak) Pvt. Ltd., and JS Bank Ltd.