Analysis of Weighted Average Lending and Deposit Rates in Pakistan
Weighted Average Lending Rate is the average interest rate that banks charge on loans, weighted by the size of the loans. It provides a more accurate picture of the cost of borrowing than a simple average because it takes into account the fact that larger loans have a greater impact on the overall interest income…
Understanding the Bank Floating Average Exchange Rates
In today’s interconnected global economy, exchange rates play a crucial role in international trade, investment, and finance. Among the various exchange rate regimes, the floating exchange rate system is widely adopted, where the value of a currency is determined by market forces of supply and demand. In this context, the concept of “Bank Floating Average…
Haro River: A Hidden Gem
The Haro River flows through Khyber Pakhtunkhwa and parts of Punjab in Pakistan. It begins in the southern Dunga Gali range, splitting into two branches. The river travels through Abbottabad District, where its main valley resides. It then enters Rawalpindi District and continues through Attock District. Four major tributaries feed the Haro River: the Lora…
A Trip to Skardu
Our journey through the breathtaking landscapes of Pakistan’s northern areas began with a mix of excitement and uncertainty. As we embarked on our expedition to Skardu, Deosai, and Khaplu, a series of unexpected twists and turns transformed our planned itinerary into an unforgettable adventure.
One such twist came in the form of a mechanical mishap at Lulusar Lake. Stranded in the frigid night, we were humbled by the kindness of local villagers who rallied to our aid. This unexpected delay, however, allowed us to explore the serene beauty of Lulusar Lake in a way we hadn’t anticipated.
As we continued our journey, we traversed the awe-inspiring Deosai Plains, a vast expanse of rolling hills and crystal-clear lakes. The rugged beauty of the landscape, coupled with the thrill of off-road driving, made for an exhilarating experience.
Our adventure took an unexpected turn once again when we were forced to abandon our original route due to road closures. This detour led us to the snow-capped peaks of Babusar Top, a breathtaking sight that rewarded our resilience and adaptability.
Through it all, we were reminded of the power of nature and the importance of embracing the unexpected. Our journey was not just about reaching our destination; it was about the experiences we gained along the way.
Off the Beaten Path: The Majestic Umbrella Waterfall
The Umbrella Waterfall, located near Sajikot Waterfall in Abbottabad District, Khyber Pakhtunkhwa, is a lesser-known natural wonder. A moderate hike through scenic hills leads to this waterfall, which features a distinctive umbrella-like shape created by the cascading water. Surrounded by lush greenery, the Umbrella Waterfall offers a peaceful escape and is gaining popularity among tourists…
A Trip to Khunjrab
Khunjerab Pass connects Pakistan and China. The border is situated at the Khunjerab Top, which we intended to visit in September 2019. This 800 km journey would have taken us through scenic locations like Naran, Babusar, Chilas, Gilgit, Hunza, and Khunjerab National Park. We journeyed through the night, reaching Naran in the morning where we…
A Visit to Frozen Lake Saif-ul-Muluk
In April 2018, we embarked on a day trip to Lake Saif-ul-Muluk in Naran. The lake was frozen, and the surrounding mountains were blanketed in snow. We were captivated by the breathtaking winter landscape: a serene lake mirrored by a clear blue sky, framed by majestic snow-capped peaks. Here are some of the photos we…
An Unexpected Journey to Arang Kel
In March 2018, my friend Ali and I were feeling a bit restless. We’d often head to Murree for a quick getaway, so we decided to do just that, without much planning. We were dressed casually, not expecting to venture too far. After a night in Murree, a spontaneous idea struck us: why not explore…
