LAWASIA Conference. His work reinforces a truth we see every day: clients need advisers who can navigate not just legal systems, but also jurisdictions, cultures and regulatory landscapes across continents. Our clients’ voices are equally central to this edition. We are grateful to John Webber, Head of Business Rates at Colliers, for his detailed analysis of the growing challenges surrounding business rates and the urgent need for meaningful reform. His piece brings much-needed clarity at a time when commercial occupiers continue to face mounting pressures. We are also delighted to feature an engaging conversation with Zeeshan Haider, Chief Business Officer of UBL Bank UK, whose insights on leadership, cross-border banking and the future of financial services remind us of the resilience and innovation driving the sector forward. Across all these contributions, a common thread emerges: the importance of adaptability, expertise and trusted relationships in an environment defined by uncertainty and rapid change. These values lie at the heart of Harold Benjamin’s work and continue to guide us as we support clients navigating increasingly complex financial, regulatory and commercial realities. As we close out the year, I want to extend my sincere thanks to our clients, partners and colleagues for your continued trust and collaboration. Your support drives everything we do at Harold Benjamin, and it is a privilege to work alongside you. I wish you and your loved ones a joyful and restful festive season. May the holidays bring warmth, celebration and time well spent — and may the new year ahead be filled with success, good health and renewed momentum.
In this issue As we approach the end of the year and the festive season begins to take shape, this is a natural moment to pause, take stock, and look ahead. Winter, with its focus on reflection and renewal, provides the perfect backdrop for this quarter’s theme: Banking & Finance — a sector that continues to evolve at remarkable speed and remains central to the work we do at Harold Benjamin. In this edition, we explore the financial landscape through the expertise of colleagues and valued contributors who help shape our understanding of an increasingly complex market. Our Head of Banking & Finance, Christopher von Strandmann, offers a clear and insightful guide to the fundamentals our banking team engages with daily — from lender expectations and security structures to the growing importance of Sharia-compliant finance. His piece demystifies a world often seen as impenetrable and highlights the rigour and collaboration required to get deals over the line. We also shine a light on the global nature of modern finance. Niten Chauhan, Partner and Head of Restructuring and Insolvency, shares his experiences representing Harold Benja- min internationally — from presiding over the League of Lawyers AGM in Hanoi to leading discussions at the 38th Annual
VIJAY PARIKH Managing Partner
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