Area managers’ conference was held on 5-6 October 2015 in Multan. Ghalib Nishtar, President KBL along with the entire retail team from corporate office attended this conference. The main aim was to interact with business teams at grass root level focusing on newly established MSME branches. President and Head Retail visited Multan, Khanewal, Lodhran & Bahawalpur branches and interacted with branch staff, discussed branch performance and MSME progress. In each branch, the teams discussed market potential, staff capacity building & the progress to intervene in the MSME sector in these cities. During the conference challenges to business growth, disbursement, managing assets & liabilities were discussed. Over all, this conference had many benefits by observing business closely at branch level, interaction of President and Retail team with business team & the customers. It also helped to observe closely the challenges being faced in business growth, the nature of guidance/ support needed and the way forward to prepare business plan for 2016. It also boosted retail staff morals to conclude asset & liability business for last quarter of the year 2015.