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The journey of academic growth doesn’t end with the completion of the 12th commerce ICOM students in Pakistan. In fact, it’s just the beginning of a wide range of opportunities waiting to be explored. This blog post aims to shed light on the promising degree and diploma options available to students after their 12th commerce in Pakistan, guiding them towards making informed decisions for their future academic pursuits. With a multitude of options available in various disciplines such as business, finance, law, and more, let’s delve into the potential paths you can embark on to shape a successful career.
Understanding Your Interests
Choosing the right degree or diploma after your 12th commerce is a pivotal decision that sets the trajectory for your future career. However, in this sea of options, how do you decide which path is right for you? The answer lies in understanding your personal interests and career goals.
Your personal interests are the activities you enjoy and the topics you are passionate about. They are the things that naturally draw your attention and engagement. Here’s why they matter:
- Enjoyment: If you choose a degree or diploma aligned with your interests, you’re likely to enjoy your studies and subsequent career more.
- Engagement: When you’re interested in what you’re learning, you’re more engaged, which often leads to better academic performance.
- Motivation: Personal interest can serve as a powerful motivator, driving you to excel in your chosen field.
Your career goals are the professional milestones you aim to achieve in the long run. Understanding these goals can help you in:
- Direction: Knowing your career goals gives you a sense of direction, helping you choose a degree or diploma that will lead you towards your desired profession.
- Focus: With clear career goals, you can focus your efforts and make informed decisions about internships, work experiences, and additional courses.
- Motivation: Having a defined end-goal can keep you motivated during challenging times in your academic journey.
Weighing Your Options
Once you’ve identified your personal interests and career goals, it’s time to weigh your options. For instance, if you’re interested in finance and aim to work in a managerial role, a BBA or a B.Com could be a good fit. On the other hand, if you’re passionate about technology and envision a career in the IT industry, a BCA might be the ideal choice.
Making an Informed Decision
Choosing a degree or diploma is not just about picking the most popular or lucrative option. It’s about aligning your education with your interests and career goals to create a fulfilling and successful professional life. So, take your time, evaluate your options, and make a choice that resonates with your aspirations.
Ready to kickstart your career journey? Explore our comprehensive guides on various degrees and diplomas to find the one that’s perfect for you.
List of Degrees and Diplomas after 12th Commerce Intermediate in Commerce (ICOM)
Stepping out from your Intermediate in Commerce (ICOM) and looking forward to pursuing a four-year BS degree? You’re on the right path! This comprehensive guide will help you understand your options, present their pros and cons, and guide you in making an informed decision.
- Bachelor of Commerce BCOM
- BS Accounting
- BS Applied Accounting
- Business Administration BBA
- BS Business Economics
- BS Accounting & Finance
- BS Audit & Taxation
- BS Economics & Finance
- BS Banking & Finance
- BS Public Administration
- BS Islamic Banking
- BS Economics & Management
- BS Entrepreneurship
- BS Sales & Marketing
- BS Leadership & Management Studies
- BS Quality Management
- BS Finance & Investment
- BS Tourism Management
- BS Insurance & Risk Management
- BS International Business & Trade
- BS Disaster Management
- BS Agriculture Business Management
- BS Business & Information Technology
- BBA Hospital & Health Services Management
- BS Hospitality Management
- BS Human Resources Management
- BS Computational Finance
- BS Business Informatics
- BS Digital Marketing
- Chartered Accountancy (CA)
- DIP Accounting
- DIP ADV Banking & Finance
- DIP ADV Commerce
- DIP ADV Finance & Accounting
- DIP Islamic Banking
- CERT Certified Public Accountant
- DIP Islamic Banking & Finance
Bachelor of Commerce BCOM
The Bachelor of Commerce (BCOM) is a highly sought-after degree in Pakistan that equips students with key business and management skills. It’s a versatile program that opens doors to numerous job opportunities in sectors such as finance, accounting, marketing, and more.
The admission criteria for BCOM in Pakistan typically require candidates to have passed their Intermediate or equivalent degree. Generally, universities require a minimum of 45% marks in the Intermediate.
The BCOM program is usually structured over 2 to 4 years. The curriculum covers a broad range of subjects, providing students with a comprehensive understanding of various aspects of commerce. Core areas of study often include financial accounting, business law, economics, taxation, and business management.
Upon completion of a BCOM degree, graduates can explore a variety of career paths. These include roles in financial services, such as Financial Analyst or Accountant, positions in sales and marketing like Sales Manager or Market Research Analyst, and jobs in human resources or operations management. Additionally, a BCOM degree provides a strong foundation for further studies in fields such as MBA, ACCA, or CA.
The Bachelor of Science (BS) in Accounting is a highly recognized degree program in Pakistan, preparing students for entry-level positions in accounting and financial management. Offered by esteemed institutions across the country, this four-year program offers an intensive study of accounting and finance, providing students with a strong foundation in the field.
Graduates can pursue various career paths, including roles such as Risk Assessment Officer, Auditor, Financial Consultant, and more.
With a rising demand for accounting and finance professionals in Pakistan, this degree offers numerous job opportunities and a solid base for further studies in the field.
BS Applied Accounting
The Bachelor of Science (BS) in Applied Accounting is an ideal choice for those pursuing a career in finance. This program provides a comprehensive understanding of accounting principles and their practical application, preparing students for success in the financial world.
With a focus on real-world scenarios and industry recognition, graduates can explore various roles such as Financial Analyst, Auditor, Tax Consultant, and Accountant. Although intensive, the program offers the opportunity to gain exemptions on ACCA papers and equips students with the skills to solve complex accounting problems. Consider the BS Applied Accounting for a promising future in finance.
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Bachelor in Business Administration BBA
The Bachelor of Business Administration (BBA) degree in Pakistan offers a comprehensive four-year program that equips students with essential business and management skills.
Graduates have various career opportunities in multinational companies, the government sector, and entrepreneurship. The BBA degree provides a versatile curriculum, excellent career prospects, and serves as a stepping stone for further studies.
If you’re interested in business or management, a BBA degree can pave the way for professional growth.
BS Business Economics
A Bachelor of Science (BS) degree in Business Economics is an ideal choice for those fascinated by the economic dynamics that drive businesses and nations. This comprehensive program, offered by esteemed universities in Pakistan, focuses on quantitative techniques and economics.
Graduates of this program are well-received in the job market, both domestically and internationally, with ample career opportunities. With a specialized focus on economics, this degree provides a unique advantage in understanding economic trends and impacts.
If you have a strong foundation in mathematics and statistics, a BS in Business Economics can pave the way for a successful career in the business world.
BS Accounting & Finance
The BS Accounting & Finance degree is a specialized program for students who have completed ICOM in Pakistan. It offers a comprehensive curriculum, career opportunities in the financial sector, and serves as a stepping stone for higher studies.
Compared to other degrees, it provides a competitive edge in finance-related roles but requires a strong commitment to studying accounting and finance. Consider the pros and cons and take the next step towards a career in finance and business.
BS Audit & Taxation
The Bachelor of Science (BS) in Audit & Taxation is a specialized degree that offers in-depth understanding of auditing and taxation principles.
It opens up diverse career opportunities in both public and private sectors, including roles as an Auditor, Tax Consultant, Financial Analyst, and Compliance Officer. While the degree requires rigorous coursework and has a limited scope in other business fields, it provides a strong foundation for further studies in finance or accounting.
BS Audit & Taxation degree is an excellent choice for those interested in pursuing a career in auditing and taxation.
BS Economics & Finance
The BS Economics & Finance degree in Pakistan offers a comprehensive curriculum, preparing students for professional careers in the fields of economics and finance.
Notable universities such as International Islamic University, Bahria University, and Greenwich University provide robust programs in this field.
Graduates have a wide range of job opportunities, including financial analyst, economist, and financial planner. If you’re interested in the intersection of economics and finance, this degree could be the perfect choice for your higher education.
BS Banking & Finance
The BS Banking & Finance degree in Pakistan provides students with specialized skills for a successful career in the banking and financial sector. This comprehensive program covers various subjects and is offered by multiple universities across the country.
Graduates can pursue roles such as Bank Manager, Financial Analyst, and Risk Manager. This degree offers a pathway to prestigious universities and exciting career opportunities in the field of banking and finance.
BS Public Administration
The Bachelor of Science program in Public Administration is a comprehensive course designed for the public sector. The program covers subjects like Introduction to Public Administration, Principles of Management, and Organizational Concepts & Theory. It aims to strengthen students’ skills and knowledge through rigorous academic training and real-world experiences.
Renowned universities offering this program in Pakistan include Virtual University, International Islamic University Islamabad, Riphah International University, and University of Management and Technology.
Admission eligibility requires 12 years of education in any discipline. Graduates find opportunities in federal, provincial, and local government roles, as well as non-profit organizations.
The program opens job opportunities and sets the foundation for higher studies in public administration. With a focus on governance, national development, and challenges in Pakistan, it prepares students for rewarding careers.
BS Islamic Banking
The Bachelor of Science (BS) in Islamic Banking prepares students for a successful career in the Islamic finance industry. This specialized program integrates Shariah principles with modern banking practices, providing theoretical knowledge and practical skills.
Subjects like Islamic Commercial Law, Financial Management, and Risk Management in Islamic Financial Institutions are covered. Graduates can pursue roles like Shariah Compliance Officer, Islamic Banking Manager, and Financial Analyst.
With prestigious universities offering this program, a BS in Islamic Banking opens up exciting career opportunities in the growing field of Islamic finance.
BS Economics & Management
The BS Economics & Management program in Pakistan integrates economics principles with management fundamentals. It is a four-year program with a variety of subjects such as Macroeconomics, Microeconomics, Business Management, and Monetary Policy Management.
Universities in Pakistan, including University College Lahore, Virtual University, and University of Central Punjab, offer this program. Admission typically requires 12 years of education in any discipline.
Graduates can pursue job roles such as Economic Analyst, Business Consultant, and Policy Maker. This degree offers opportunities for prestigious education and exciting careers in Pakistan.
BS Entrepreneurship is a specialized program in Pakistan that focuses on cultivating entrepreneurial skills and mindset in students. Offered by universities like The Islamia University of Bahawalpur, SZABIST Karachi, UMT, and IoBM, this program spans over four years and covers subjects like Business Management, Innovation, and Entrepreneurial Finance.
Graduates of this program are well-prepared for various job roles, including becoming entrepreneurs, business consultants, or innovation managers.
BS Entrepreneurship degree offers prestigious education and exciting career opportunities for those interested in entrepreneurship.
BS Sales & Marketing
The BS Sales & Marketing program in Pakistan equips students with the knowledge and skills needed in the dynamic world of sales and marketing.
It typically spans four years and covers subjects like Marketing Management and International Relations. Universities offering this program include Virtual University, Riphah International College, University of Management and Technology (UMT), and ILMA University.
Graduates have opportunities in roles such as Marketing Manager, Sales Executive, and Brand Manager. This degree not only offers prestigious education but also exciting career prospects in sales and marketing.
BS Islamic Business & Economics
The BS Islamic Business & Economics program in Pakistan offers a comprehensive education in Islamic principles related to business and economics. Spanning four years and covering various subjects, this program equips students for roles such as Islamic Finance Consultant and Business Analyst.
With increasing global interest in Islamic finance, graduates can expect promising career opportunities in banking, finance, and academia.
BS Leadership & Management Studies
The BS Islamic Business & Economics program in Pakistan provides students with a comprehensive understanding of Islamic principles in business and economics. Spanning four years and eight semesters, it covers subjects like Business Management, Organizational Behavior, Corporate Finance, and Economics and Finance Statistics. Institutions offering this program include the International Islamic University and Superior University in Lahore.
Admission requirements typically include an Intermediate Certificate in Arts, Sciences, or Commerce from a recognized institution. However, criteria may vary across universities, with some requiring entrance tests or interviews. It is advisable to check the specific requirements on the university’s official website or admission office.
Upon graduation, students can pursue various careers such as Islamic Finance Consultant, Islamic Banking Manager, and Business Analyst in national and international organizations. With the growing global interest in Islamic finance and economics, graduates can expect promising opportunities in sectors like banking, finance, and academia.
BS Total Quality Management
BS Quality Management in Pakistan is a comprehensive program that equips students with the knowledge and skills to maintain and enhance product or service quality within organizations. The program typically spans four years and covers subjects like Total Quality Management, Performance Management, and Food Safety.
Notable universities offering this program include Hamdard University, Karachi, which offers a specialized Bachelor of Science degree in Total Quality Management, and the University of Punjab, which provides a BS Quality & Performance Management program.
Admission requirements usually include completion of 12 years of education in any discipline, although specific criteria may vary across universities. Prospective students should check the exact requirements from the respective university’s official website or admission office.
Graduates of the BS Quality Management program can pursue various job opportunities such as Quality Assurance Manager, Quality Control Inspector, and Performance Manager. These roles ensure the highest standards of quality and performance, contributing to organizational success.
BS Finance & Investment
The BS Finance & Investment program in Pakistan offers a comprehensive exploration of financial markets, investment strategies, and decision-making. It spans four years and covers subjects such as Financial Management, Investment Analysis, and Corporate Finance.
Graduates receive a BS (Hons) degree and have the opportunity to attempt ACCA (UK) papers within the same timeframe. Admission requirements vary, and candidates should consult the university’s official website or admission office for specific criteria.
Upon graduation, job opportunities are available in commercial banks, investment banks, multinational corporations, and large Pakistani corporations, with roles including Financial Analyst, Investment Banker, and Finance Manager.
BS Tourism Management
In Pakistan, the tourism industry is rapidly expanding, creating opportunities for individuals interested in pursuing a career in this field. Universities in Pakistan offer a Bachelor of Science (BS) degree in Tourism Management, equipping students with the necessary skills and knowledge to excel in the dynamic tourism and hospitality sector.
You can expect comprehensive knowledge, practical skills, and numerous job opportunities. However, it’s important to consider the limited specialization and industry volatility before enrolling in this program.
BS Insurance & Risk Management
Insurance and risk management are indispensable in today’s volatile world. Pakistani universities provide a Bachelor of Science (BS) degree in Insurance & Risk Management, imparting essential skills for success in these dynamic sectors.
Leading universities include Hailey College of Banking & Finance, University of the Punjab, Institute of Business Management (IoBM), Institute of Business Administration (IBA), Karachi, Institute of Management Sciences (IMSciences), Peshawar, and University of Lahore (UOL).
The BS program in insurance and risk management covers key aspects of the industry including management principles, financial accounting, business statistics, risk management, and principles of insurance.
A BS in Insurance & Risk Management offers pros such as comprehensive knowledge for diverse career opportunities, abundant job prospects in the growing insurance industry, and emphasis on practical skills.
BS International Business & Trade
The field of International Business & Trade in Pakistan is flourishing, with several universities offering a Bachelor of Science (BS) degree in this discipline.
These programs equip students with a deep understanding of the dynamic global business environment.
Universities like the University of the Punjab, IBA Karachi, Lahore School of Economics, University of Lahore (UOL), and NUST provide unique curricula and teaching approaches to prepare students for the challenges of international business and trade.
The BS International Business & Trade program covers various subjects, including management principles, financial accounting, global marketing, international trade law, and business strategy. Pros of pursuing this degree include gaining a global perspective, diverse career opportunities, and practical skills.
BS Disaster Management
Discover the field of Disaster Management in Pakistan with a Bachelor of Science (BS) degree. Universities like University of Peshawar, University of Balochistan, and National University of Sciences and Technology (NUST) offer comprehensive programs to equip students with skills in managing natural and man-made disasters.
With diverse career opportunities and practical skills, a BS in Disaster Management can lead to a rewarding career. Consider the demands of the field and your passion for making a difference before making a decision.
BS Agriculture Business Management
Agriculture Business Management in Pakistan is a significant field contributing around 19.3% to the GDP and employing about 42.3% of the labor force.
The program aims to equip students with a deep understanding of the agriculture industry and the necessary business skills.
Notable universities offering this program include the University of Agriculture, Faisalabad, Arid Agriculture University, Rawalpindi, and Bahauddin Zakariya University, Multan.
The curriculum covers essential subjects such as Principles of Management, Financial Accounting, Agricultural Marketing, and Farm Management.
Prospects for graduates are promising, with numerous job opportunities available in farm management, agricultural marketing, and agribusiness consultancy. However, potential students should carefully consider their career goals and the challenges of the agriculture industry before enrolling.
BS Business & Information Technology
In the digital age, the field of Business & Information Technology (IT) is gaining significant importance. Recognizing this trend, numerous universities in Pakistan offer a Bachelor of Science (BS) degree in Business & IT. This program combines business principles with technology, equipping students with the skills to leverage IT for business growth and efficiency.
Several esteemed universities in Pakistan offer a BS in Business & Information Technology. These include:
- Virtual University of Pakistan
- Quaid-i-Azam University
- The University of Faisalabad
The curriculum typically includes courses like Principles of Management, Financial Accounting, Computer Programming, Database Systems, and IT Project Management.
The eligibility criteria for admission into the BS Business & Information Technology program typically require intermediate education (equivalent to 12 years of education) with at least a 45% to 50% mark.
You can explore a wide range of careers in areas such as IT project management, business analysis, data analysis, IT consultancy.
BBA Hospital & Health Services Management
The healthcare sector is a rapidly growing industry in Pakistan, and there is a rising demand for professionals equipped with both business acumen and an understanding of healthcare services. Recognizing this, several universities in Pakistan offer a Bachelor of Business Administration (BBA) degree in Hospital & Health Services Management.
The primary university offering a BBA in Hospital & Health Services Management in Pakistan is:
Jinnah Sindh Medical University, Karachi
Courses typically covered in the program include Principles of Management, Financial Accounting, Healthcare Law and Ethics, Hospital Administration, and Healthcare Information Systems.
The students must have a minimum of 50% marks in their intermediate A-Levels or Equivalent examination. Additionally, some universities may require an admission test.
You can work in various settings such as hospitals, clinics, nursing homes, and other healthcare facilities. Potential job roles include Hospital Administrator, Healthcare Manager, and Health Services Coordinator.
BS Hospitality Management
Hospitality management is a rapidly growing field in Pakistan, with increasing demand for professionals equipped with both theoretical knowledge and practical skills. Recognizing this, several universities in Pakistan offer a Bachelor of Science (BS) degree in Hospitality Management.
Several esteemed universities in Pakistan offer a BS in Hospitality Management. These include:
- Air University, Islamabad
- Foundation University Islamabad (FUI)
- National University of Sciences & Technology (NUST)
The curriculum typically includes courses like Principles of Management, Human Resource Management, Food and Beverage Management, Hotel Operations, and Event Management.
The students must have completed their intermediate education (equivalent to 12 years of education) with a minimum of 50% marks. Some universities may also require an admission test.
Potential job roles include Event Manager, Fast Food Restaurant Manager, Public House Manager, Hotel Manager, and Restaurant Manager.
BS Human Resources Management
Human Resource Management (HRM) is a field that specializes in managing people within an organization. In Pakistan, the demand for HR professionals is high, making it a promising career choice.
- Air University, Islamabad
- Quaid-i-Azam University
- The University of Faisalabad
The curriculum typically includes courses like Organizational Behavior, Human Resource Management, Industrial Relations, Performance Management, and Training and Development.
To be eligible for admission into the BS Human Resources Management program, students must have completed their intermediate education (equivalent to 12 years of education) with a minimum of 50% marks.
Potential job roles include HR Manager, Recruitment Specialist, Training and Development Manager, and Compensation and Benefits Manager.
BS Computational Finance
Computational finance is a rapidly growing field in Pakistan, with increasing demand for professionals equipped with both financial expertise and computational skills. Recognizing this, several universities in Pakistan offer a Bachelor of Science (BS) degree in Computational Finance.
The primary university offering a BS in Computational Finance in Pakistan is:
NED University of Engineering & Technology, Karachi
This institution provides a specialized curriculum focused on preparing students for the challenges of computational finance.
Courses typically covered in the program include Introduction to Mathematical Finance, Introduction to Financial Accounting, Corporate Finance, and Collective Investment[^2^].
To be eligible for admission into the BS Computational Finance program, students must have completed their Higher Secondary School Certificate (HSSC) or an equivalent qualification, with at least 50% marks.
You can work in various settings such as banks, stock markets, and corporate finance departments. Potential job roles include Financial Analyst, Investment Banker, and Quantitative Analyst.
BS Business Informatics
Business Informatics is a growing field in Pakistan, offering a Bachelor of Science (BS) degree that combines business management with information technology.
Universities like UIT University, University of Management and Technology (UMT), and Virtual University of Pakistan provide unique programs that equip students with both business management skills and IT knowledge.
You can pursue rewarding careers as Systems Analysts, IT Project Managers, Business Intelligence Analysts, and IT Consultants in Pakistan’s rapidly evolving business and IT sectors.
With the increasing digitalization of businesses, the future looks promising for graduates in this field.
BS Digital Marketing
Digital marketing is a rapidly growing field in Pakistan, with increasing demand for professionals equipped with both technical skills and marketing expertise. Recognizing this, several universities in Pakistan offer a Bachelor of Science (BS) degree in Digital Marketing.
According to my research, the primary universities offering a BS in Digital Marketing in Pakistan are:
- Hamdard University, Karachi
- Iqra University
The curriculum typically includes courses like Search Engine Optimization (SEO), Social Media Marketing, Content Marketing, and Data Analytics.
To be eligible for admission into the BS Digital Marketing program, students must have completed their Intermediate or A-Level education (equivalent to 12 years of education) with a minimum of 45% marks. Some universities may also require an admission test.
Digital marketing is a booming field in Pakistan. With the rise of online businesses, e-commerce, and the IT industry, there’s a high demand for digital marketing professionals. Graduates can explore a wide range of rewarding careers, including SEO Specialist, Social Media Manager, Content Marketer, and Data Analyst.
Diplomas after ICOM Intermediate in Commerce
Here are some notable diplomas you can peruse after ICOM.
The Diploma in Accounting (DIP) in Pakistan is a valuable qualification for those seeking a career in accounting. With a high demand for qualified accountants in various sectors, this diploma offers a solid foundation in accounting principles and practices.
You can pursue entry-level positions or further their education with advanced degrees.
To be eligible, students typically need to have completed 10+2 with mathematics as a core subject.
DIP ADV Banking & Finance
The comprehensive guide provides information on the Advanced Diploma in Banking & Finance (DIP ADV) in Pakistan. This diploma equips individuals with the necessary skills and knowledge to excel in the banking and finance industry.
The scope for professionals in this field is high, with job opportunities in public and private banks, financial institutions, insurance companies, and regulatory authorities.
Eligibility criteria typically require a 10+2 qualification, and some programs may also require work experience in the financial services industry.
The coursework covers theoretical concepts and practical applications, preparing students for various roles in the industry.
DIP ADV Commerce
The Advanced Diploma in Commerce (DIP ADV) in Pakistan is a comprehensive program that equips students with the necessary skills and knowledge to excel in the field of commerce. With a broad scope of career opportunities, graduates can pursue roles in finance, accounting, marketing, and human resource management.
Eligibility criteria typically include passing 10+2 and some programs may require work experience in the commerce sector. Institutions such as Virtual University and Institute of Business Administration (IBA) offer comprehensive programs covering various subjects.
Obtaining this diploma can open up opportunities in Pakistan’s financial sector, but it’s important for potential students to carefully consider their career goals and passion for commerce before enrolling.
DIP ADV Finance & Accounting
The Advanced Diploma in Finance & Accounting in Pakistan provides comprehensive training for individuals seeking a successful career in the financial industry.
With high demand and a wide range of career opportunities, this program equips students with the necessary skills to excel in areas such as auditing, financial planning, and investment banking. It also serves as a stepping stone towards advanced degrees in finance or accounting.
If you have a passion for finance and accounting, this diploma could be the right path for you.
DIP Islamic Banking
The Advanced Diploma in Islamic Banking (DIP ADV) in Pakistan is a comprehensive guide that highlights the unique and growing field of Islamic banking. The scope of Islamic banking in Pakistan is seeing steady growth, with increasing demand for professionals in this field.
Eligibility criteria typically require students to have passed 10+2 from a recognized board of education, with some programs also requiring work experience in the banking or financial services industry.
Various universities in Pakistan offer this program, providing comprehensive courses on Islamic banking principles, finance, and Shariah law. Pursuing this diploma can lead to a wide range of career opportunities and provides a solid foundation for further studies in the field.
CERT Certified Public Accountant
The Certified Public Accountant (CPA) qualification in Pakistan is globally recognized and in high demand. CPAs possess expertise in taxation, auditing, regulatory compliance, and finance.
They can pursue various roles in both public and private sectors, such as auditing firms, tax consulting, and financial institutions.
To become a CPA, candidates must meet educational requirements, which typically include a bachelor’s degree with specific accounting and business courses, along with passing the CPA Exam. While the CPA certification is primarily offered by American institutions, preparatory courses are available in Pakistan.
Pursuing CPA offers robust career opportunities both in Pakistan and abroad for those passionate about accountancy.