Category: 3. Business

Introduction

Heart failure (HF) is a complex clinical syndrome characterized by impaired ventricular filling and/or ejection function (EF) resulting from diverse causes.^1,2 It represents not only the terminal stage of heart disease but also a frequent comorbidity and endpoint in the progression of various non-cardiogenic conditions. With its high prevalence, significant risk of sudden death, and poor prognosis, HF poses a substantial global public health challenge.^3,4 A pivotal contributor to HF development is myocardial remodeling, a process marked by cardiomyocyte hypertrophy and fibrosis. This process is driven by a complex interplay of mechanisms, including apoptosis, inflammation, autophagy, ferroptosis, and other detrimental factors.

Zhenxin Formula (ZXF) is a traditional Chinese medicine (TCM) formula used by Longhua Hospital affiliated to Shanghai University of TCM for the prevention and treatment of chronic HF. TCM has a long history of being utilized in HF treatment.^5–7 According to TCM principles, HF originates from congenital deficiency or post-illness disorders, culminating in heart yang deficiency, which is a central pathological factor in its progression. ZXF, a classic TCM formula, comprises ingredients such as Shan Zhu Yu (Cornus officinalis Sieb. et Zucc.), Gui Zhi (Cinnamomum cassia Presl.), Fu Zi (Aconitum carmichaelii Debx.), Bai Shao (Paeonia lactiflora Pall.), and Ze Lan (Eupatorium japonicum Thunb.). Renowned for warming and invigorating heart yang, transforming qi, and promoting diuresis, ZXF has shown clinical efficacy in HF treatment.⁸ However, its precise molecular mechanisms remain unclear.

Advancements in bioinformatics and systems biology have highlighted network pharmacology as a pivotal tool for identifying active ingredients and unraveling therapeutic mechanisms, particularly for the “multi-compound, multi-target” nature of TCM. By constructing disease-gene-target-drug networks, this approach offers comprehensive insights.^9,10 However, limitations in TCM databases, such as incomplete active compound data and insufficient molecular target coverage, hinder detailed analyses.¹¹ Phospho-antibody arrays address these gaps by detecting and quantifying phosphorylated proteins, crucial post-translational modifications in cell signaling. This high-throughput technology validates computational predictions by mapping dynamic signaling changes in disease models.^12,13 The integration of network pharmacology and phospho-antibody arrays enhances bioinformatics’ predictive power with experimental validation, providing a robust framework to explore therapeutic mechanisms and advance TCM-based treatment strategies.

In this study, we explored the active components and mechanisms underlying the therapeutic effects of ZXF on HF. Through a combined network pharmacology and phospho-antibody array approach, we elucidated the material basis and signaling pathways involved in ZXF’s action. Subsequent experiments employing Dox-induced HF models were conducted to validate these findings, offering deeper insights into the potential mechanisms by which ZXF mitigates HF progression.

Materials and Methods

Investigation of the Mechanism of ZXF Against HF via Network Pharmacology

Screening the Active Ingredients and Target Prediction of ZXF

The potential active ingredients within TCM compound prescriptions were retrieved from the TCMSP database (TCMSP, http://lsp.nwsuaf.edu.cn/tcmsp.php). Using oral bioavailability (OB ≥ 30%) and drug likeness (DL ≥ 0.18) as screening criteria. The corresponding targets of these components were also sourced from the TCMSP database, and their names were standardized and harmonized using the UniProt database (https://www.uniprot.org/uniprot/) to ensure consistency. Furthermore, the molecular structures of the mentioned components were acquired from the TCMSP database and subsequently imported into the Swiss Target Prediction database (http://www.swisstargetprediction.ch/). From this prediction, targets with scores exceeding 0 were selectively identified as potential drug targets.

Analysis of Gene Expression Differences Between Healthy Individuals and Patients with Heart Failure

Utilizing the OMIM (https://omim.org/), Genecards (https://www.genecards.org/), and TTD (https://db.idrblab.net/ttd/) databases, we conducted a keyword search for “Heart Failure” to identify relevant disease targets. Subsequently, both the drug targets and disease targets were uploaded into the Venny 2.1 online software visualization tool platform, where a Venn diagram was generated to illustrate the overlapping and unique targets. This study uses publicly available datasets, which are exempt from ethical review in accordance with Article 32, Items 1 and 2 of the Measures for Ethical Review of Life Science and Medical Research Involving Human Subjects (issued on February 18, 2023, China).

Reconstruction of Compound-Target Network and Protein-Protein Interaction Network

Using Cytoscape 3.9.1 software, a comprehensive “ TCM – Ingredient – Target” network graph to construct network graph. The Network Analyzer functionality was leveraged to meticulously analyze the key active ingredients within the TCM compound recipe. Subsequently, the identified common targets were introduced into the STRING database (https://string-db.org) for retrieval, with specific parameters set to “Homo sapiens” for protein species and a minimum interaction threshold of 0.9. The retrieved target interaction network data was then integrated into Cytoscape software to generate a PPI network graph. In this graph, the size and color intensity of each node were dynamically adjusted based on their degree values, providing a visual representation of their relative importance. To further refine our analysis, the PPI network was imported into Cytoscape 3.9.1, where topological analysis was conducted using the Network Analyzer tool. Core targets were identified based on their degree values, with higher values indicating a more pivotal role in the network.

GO Enrichment Analysis and KEGG Pathway Analysis

We conducted GO enrichment analysis and KEGG pathway analysis on the shared targets utilizing the David database (https://david.ncifcrf.gov). The enrichment outcomes were subsequently visualized into bar charts and bubble plots using R language for clarity and comprehension. Following the KEGG enrichment analysis of the common targets with the David database, a compilation of KEGG pathways was derived. Select the top 20 pathways with P-values within 0.05 to create bar charts and bubble plots for KEGG enrichment. The -log10 (P-value) represents the significance of the enrichment, with redder colors indicating higher significance.

High-Performance Liquid Chromatography (HPLC)

ZXF comprises 12 g of Shan Zhu Yu (Cornus officinalis Sieb. et Zucc.), 10 g of Gui Zhi (Cinnamomum cassia Presl.), 12 g of Fu Zi (Aconitum carmichaelii Debx.), 15 g of Bai Shao (Paeonia lactiflora Pall.), and 12 g of Ze Lan (Eupatorium japonicum Thunb.), all sourced from Sichuan Xinlvse Pharmaceutical Technology Development Co., Ltd. The formula was prepared by double reflux extraction using water (10:1, volume/weight) for 2 hours per cycle. The combined filtrates were concentrated to 1.5 g/mL. For HPLC, five ZXF samples (25 mg/mL) were prepared with varying methanol-water ratios: water, 30%, 50%, 70%, and 100% methanol. Each sample underwent 30 minutes of ultrasonic treatment, followed by centrifugation at 16,000 rpm for 5 minutes. Supernatants were stored in chromatographic vials. HPLC analysis employed an HSS T3 column with a mobile phase of 0.1% acetic acid in water and acetonitrile. Detection wavelengths were 254 nm and 330 nm, with a flow rate of 0.3 mL/min and injection volume of 1μL.

Regents

Doxorubicin (HY-15142) was purchased from MedChemExpress. Captopril (No. H31022986) was purchased from Shanghai Bristol-Myers Squibb Pharmaceuticals Co., Ltd). Anti-Fas antibody (ab82419) was purchased from Abcam. Anti-Bax antibody (ARG66247) and anti-Bcl-2 antibody (ARG55188) were purchased from Arigo. Anti-Caspase-3 antibody (D3R6Y), anti-AKT1 phospho (Thr308) antibody (4056S), anti-AKT1 antibody (2920S), anti-FOXO1 phospho (Ser256) antibody (9461T), anti-FOXO1 antibody (2880T), anti-PDK1 phospho (Ser241) antibody (3438T), and anti-PDK1 antibody (5662S) were purchased from CST. Anti-PI3K phosphor (Tyr607) antibody (Abs130868) was purchased from Absin. Anti-PI3K antibodies (S0B0265) was purchased from Starter. Anti-GAPDH antibody (G9545) was purchased from Sigma.

Animals Experiment

Forty-six male Wistar rats, weighing between 170–220 grams, were procured from the Experimental Animal Center of Shanghai University of TCM, Certificated number SYXK (Hu) 2014-0008. These animals were raised under controlled conditions of a 12-hour light/dark cycle, with an ambient temperature of 21±2 °C and a relative humidity ranging from 30% to 70%. They had ad libitum access to standard rodent feed and water. Animal experiments were approved by the Animal Care Committee of the Shanghai University of TCM (Approval Number: PZSHUTCM210312009), and all procedures adhered strictly to the guidelines set forth by the Institutional Animal Care and Use Committee (IACUC).

Based on our previous work and established protocols, a widely recognized doxorubicin-induced heart failure model was employed.^14–16 After a 7-day acclimatization period, 46 rats were randomly assigned using a random number table into two groups: 10 rats in the negative control (Con) group and 36 rats in the experimental group. The experimental group received weekly intraperitoneal injections of doxorubicin solution (1 mg/mL) at a dose of 2.5 mg/kg for six consecutive weeks, while the control group received equivalent volumes of 0.9% saline. After six weeks, heart failure in the experimental group was confirmed by echocardiography, as evidenced by significant reductions in EF, fractional shortening (FS), stroke volume (SV), and cardiac output (CO), along with increased left ventricular end-systolic diameter (LVESD) and end-diastolic diameter (LVEDD).^17–19 The 36 model-confirmed rats were subsequently randomized into three groups (n = 12 per group): the model group (Dox), the ZXF treatment group (ZXF), and the captopril treatment group (Cap). ZXF was administered at a dose of 3.6 g/(kg·d), based on previous clinical studies.⁸ Captopril was administered at a dose of 5 mg/(kg·d). The Con and Dox groups received equivalent volumes of distilled water daily. All treatments lasted for four consecutive weeks. Throughout the experiment, the rats were closely monitored on a daily basis for general health indicators, including mental status, food intake, physical activity, urine and fecal output, coat condition, and mortality.

Echocardiography

After 4 weeks of intervention, rats were anesthetized with 3% pentobarbital sodium (1.17 mL/kg, intraperitoneally) and positioned supine. An ultrasound probe was placed on the left chest, and M-mode images were obtained using two-dimensional ultrasound guidance. Cardiac parameters, including EF, FS, LVEDD, LVESD, SV, and CO, were measured over three consecutive cardiac cycles.

Histological Analysis

After 4 weeks of treatment, the rats were euthanized via intraperitoneal injection of 3% sodium pentobarbital (150 mg/kg). Within 2 minutes post-injection, respiratory arrest occurred, followed by cardiac arrest and pupillary dilation, confirming death. The hearts were then excised, with arteries and major blood vessels removed, and the left ventricular myocardial tissue was isolated. Portions of the tissue were soaked in formalin for pathological examination, while the remaining tissue was stored at −80°C. Formalin-fixed myocardial tissues were paraffin-embedded, sectioned into 5 μm slices, and stained with hematoxylin and eosin (HE) for histopathological analysis. To evaluate collagen deposition, sections were dewaxed and stained with Masson’s trichrome. Images were captured using a microscope (CFM, Olympus) at 400× magnification, with five fields per section analyzed. Collagen volume fraction (CVF) was quantified using Image Pro Plus 6.0 software, calculated as the mean ratio of connective tissue area to total tissue area, excluding perivascular fibrotic tissues.

Immunohistochemistry

After dewaxing paraffin sections and rehydrating them, antigen retrieval and blocking were performed. Subsequently, 50μL of primary antibody (Fas, 1:1000) was applied at 37°C for 60 minutes, followed by incubation with a biotinylated secondary antibody at 37°C for 30 minutes. After color development, counterstaining, dehydration, and clearing, the slides were sealed. Images were captured and analyzed using OlyVIA software, with five different fields of view selected per section. The percentage of positive staining relative to the total area was calculated using Image Pro Plus 6.0 software.

Phospho-Antibody Array

Phosphoprotein profiling by the signaling phospho-antibody microarray—CSP100plus, which was designed and manufactured by Full Moon Biosystems, Inc. (Sunnyvale, CA), contains 304 antibodies. Each of the antibodies has six replicates that are printed on coated glass microscope slides, along with multiple positive and negative controls. The antibody array experiment was performed by Wayen Biotechnology (Shanghai, China), according to their established protocol. The fluorescence signal of each antibody was obtained from the fluorescence intensity of antibody-stained regions. A ratio computation was used to measure the extent of protein phosphorylation. The phosphorylation ratio was calculated as follows: phosphorylation ratio= phospho value/non-phospho value. The total proteome ratios were standardized by Tubulin-b.

Western Blotting

Take an appropriate amount of rat myocardial tissue stored at −80°C, and after pretreatment, homogenize and lyse the tissue. Centrifuge the lysate and determine the total protein concentration. Prepare a 10% separating gel and 5% stacking gel for electrophoresis. Following electrophoresis, transfer the proteins to a membrane and block with 5% BSA at room temperature for 2 hours. Incubate the membrane overnight with primary antibodies, including PDK1 (1:1000), p-PDK1 (1:1000), PI3K (1:1000), p-PI3K (1:1000), AKT (1:1000), p-AKT (1:1000), FoxO1 (1:1000), p-FoxO1 (1:700), Caspase3 (1:1000), Bcl-2 (1:1000), Bax (1:1500), FAS (1:1000), and GAPDH (1:2000). After washing, incubate with a secondary antibody (1:2000) at room temperature, wash again, and visualize the target proteins.

Statistical Analysis

Quantitative data conforming to a normal distribution were presented as mean± SD . When the measurement data satisfies the test of homogeneity and normality of variance, a one-way analysis of variance (ANOVA) was subjected for comparison between more than two groups, and the LSD-t test was used for comparisons between groups. If the measurement data could not satisfy the test of homogeneity or normality of variance, a nonparametric rank-sum test was used. All analyses were performed using GraphPad Prism version 8.0. A value of P<0.05 was considered to be significant.

Results

Network Pharmacology-Based Strategy for Predicting Potential Targets of ZXF for Treating HF

Active Compounds in ZXF and Their Targets

In the TCMSP and TCMID databases, 56 active compounds with OB (oral bioavailability) ≥ 30% and DL (drug-likeness) ≥ 0.18 were identified (Supplementary Table S1). A total of 752 targets of these active compounds were retrieved from the TCMSP database (Supplementary Box 1). Disease targets were collected from OMIM (664), Genecards (620), and TTD (38) databases. After deduplication, 1206 unique disease targets were obtained (Supplementary Box 2). Using the Venny 2.1 online platform, we generated a Venn diagram by intersecting the 752 drug targets with 1206 disease targets, resulting in 120 common drug-disease targets (Figure 1). Subsequently, we constructed a “Traditional Chinese Medicine-Compounds-Targets” network in Cytoscape by linking the 56 potential active components with the 120 common targets. After removing 9 isolated components without target connections, we retained 47 potential active components for the final network visualization (Figure 2).

Figure 1 Screening of Drug-Disease Common Targets. In the figure, the purple circles represent drug targets of ZXF, the yellow circles denote heart failure (HF)-related disease targets, and their intersecting area indicates the shared drug-disease common targets.

Figure 2 Screening of Drug-Disease Common Targets. Hexagonal nodes represent herbal medicines; diamond nodes represent unique components of each herb; triangular nodes represent shared components (9 active components without target-disease intersections were removed, while 47 effective components are highlighted in red in Supplementary Table S1); circular nodes represent the 120 common targets. Node sizes vary according to their degree values.

Candidate Targets and PPI Network Analysis

The aforementioned 120 common targets were then imported into the STRING database for retrieval. By setting the protein species to “Homo sapiens” and the minimum interaction score threshold to 0.9, we obtained network relationship data for the interactions between these targets. This data was then imported into Cytoscape software to create a protein-protein interaction (PPI) network diagram. In this diagram, the size and color intensity of the nodes varied according to their degree values, with the outermost circle representing targets with a degree greater than or equal to 10. The diagram contained 95 nodes and 185 edges (Figure 3A). The PPI network was imported into Cytoscape 3.9.1, and a topological analysis was performed using the network analyzer tool. A bar chart was generated using R 4.2.1 to represent the top 20 targets with the highest Degree values (Figure 3B). The PPI network analysis revealed that AKT1 may be the most important potential target for ZXF in the treatment of HF (Degree = 16).

Figure 3 Network Pharmacology Analysis Identifies Hub Targets of ZXF. (A) Node size and color intensity vary according to their Degree values, with the outermost circle representing targets having Degree ≥ 10. (B) Ranking of Core Targets Based on PPI Topological Analysis (Top 20 by Degree). The bar graph illustrates the Degree values of the targets.

GO Enrichment Analysis and KEGG Signaling Pathway Analysis

After performing GO enrichment analysis on the 120 common targets using the David database, we obtained three main categories: biological processes, cellular components, and molecular functions. The GO results showed that the intersecting genes were enriched in 662 biological process pathways, 67 cellular component expression processes, and 113 molecular function-related processes. We selected the top 10 pathways with the lowest P-values in each category to create bar charts and bubble plots (Figure 4).

Figure 4 Enrichment Analysis of Identified Targets and KEGG Pathway Analysis for ZXF. Enrichment Analysis of Identified Targets and KEGG Pathway Analysis for ZXF. (A) GO enrichment analysis of ZXF for heart failure treatment. The y-axis represents three categories: biological processes, cellular components, and molecular functions; the x-axis shows gene percentage; circle size corresponds to gene count, while color indicates significance. (B) KEGG enrichment analysis of ZXF compound for heart failure treatment. The y-axis displays pathways, the x-axis shows gene percentage, with circle size representing gene count and color indicating significance.

Based on the GO enrichment analysis of the intersecting genes, the results suggest that ZXF is involved in several biological processes, including response to hypoxia, regulation of the MAPK cascade and the gene expression. Additionally, ZXF’s impact on cellular components is primarily associated with the plasma membrane, cell surface, and membrane rafts. Moreover, it is closely associated with endopeptidase activity, protein homodimerization, and transcription coactivator binding (Figure 4A). After conducting KEGG enrichment analysis on the 120 common targets using the David database, we obtained a total of 159 KEGG pathways, including AGE-RAGE signaling pathway in diabetic complications, Pathways in cancer, HIF-1 signaling pathway, etc. We selected the top 20 pathways with the lowest P-values to create bar charts and bubble plots for KEGG enrichment (Figure 4B).

Quality Control of ZXF Using High-Performance Liquid Chromatography

ZXF is a traditional Chinese medicine compound containing a variety of chemical ingredients. To control its quality, we first constructed a component-target-pathway network diagram using Cytoscape to predict its effective components. The results indicated that kaempferol, paeoniflorin, and catechin may be the main active components, with active contents of 33, 17, and 4, respectively (Supplementary Table S2). We then conducted HPLC analysis to determine the contents of these components. As shown in Figure 5, The content of catechin in the ZXF extract was 0.09%, with a retention time of 11.304 minutes and peak area of 13870 μV*sec. The content of paeoniflorin in the ZXF extract was 1.18%, with a retention time of 14.221 minutes and peak area of 111901 μV*sec. Additionally, kaempferol was not detected in the ZXF extract.

Figure 5 Chromatogram of catechin and paeoniflorin standards versus ZXF extract. Chromatogram of catechin and paeoniflorin standards versus ZXF extract. ((A) reference standard solution, (B) sample solution; 1 – catechin, 2 – paeoniflorin).

ZXF Improves Cardiac Function

We evaluated the effects of ZXF on cardiac function in a Dox-induced HF model (Figure 6A). Echocardiographic assessments were conducted on all rats at the end of the 10-week study period (Figure 6B–G). Compared with the control group, the Dox group showed significant reductions in EF, FS, CO, and SV, along with marked increases in LVESD and LVEDD, indicating impaired cardiac function caused by Dox intraperitoneal injection. In contrast, ZXF treatment significantly improved cardiac function, evidenced by notable enhancements in EF, FS, CO, and SV, as well as significant reductions in LVESD and LVEDD, comparable to the effects observed in the Cap group.

Figure 6 ZXF Improves Cardiac Function. (A) Animal experimental strategy. (B–G) Statistical results of EF, FS, LVESD, LVEDD, CO, SV. **P<0.01 vs Con group; ΔP<0.05, ΔΔP<0.01 vs Dox group. Sample sizes (n): Con=10, Dox=7, ZXF=8, Cap=7.

ZXF Attenuates Myocardial Inflammation and Fibrosis

The protective effects of ZXF were assessed using HE staining and Masson trichrome staining of heart sections (Figure 7A). HE staining revealed severe inflammatory cell infiltration and myocardial structural disorganization in the Dox group, while ZXF treatment significantly reduced inflammatory cell infiltration, indicating its anti-inflammatory effects (Figure 7A). Masson trichrome staining showed extensive collagen deposition in the Dox group, with prominent fibrotic tissue in the myocardial interstitium. Quantification of CVF revealed a significant increase in the Dox group compared to the control group. However, ZXF treatment markedly reduced CVF levels compared to the Dox group, demonstrating an even greater effect than Captopril. (Figure 7B). These results suggest that ZXF protects against Dox-induced HF by mitigating myocardial inflammation and fibrosis.

Figure 7 ZXF attenuated cardiac fibrosis and inflammation. (n=5). (A) Representative images of HE staining, Masson’s staining and Immunohistochemical staining of FAS; (B) Statistical results of CVF (%). (C) Statistical results of Fas protein expression levels (%). **P<0.01 vs Con group; ΔΔP<0.01 vs Dox group. Black arrows indicate characteristic histopathological changes, with their number reflecting lesion severity. Histochemistry analysis, magnification: 200×; scale=50 µm.

ZXF Inhibited Cardiomyocyte Apoptosis

Immunohistochemical staining was conducted to evaluate the effect of ZXF on cardiomyocyte apoptosis (Figure 7A). Fas expression, which was significantly elevated in the Dox group, was markedly decreased following ZXF treatment (Figure 7C). Western blot analysis further confirmed these findings in the Dox-induced HF model. As shown in Figure 8A–E, the levels of pro-apoptotic proteins Bax, Caspase-3, Fas were significantly higher in the Dox group compared to the control group, but ZXF intervention significantly reduced their expression. Conversely, the anti-apoptotic protein Bcl-2, which was notably downregulated in the Dox group, was significantly upregulated with ZXF treatment. These results demonstrate that ZXF exerts a protective anti-apoptotic effect on cardiomyocytes.

Figure 8 ZXF inhibited cardiomyocyte apoptosis. (n=5). (A) Western blot of protein levels of Caspase-3, Bcl-2, Bax and Fas. (B–E) Statistical results of Caspase-3/GAPDH, Bcl-2/GAPDH, Bax/GAPDH and Fas/GAPDH. **P<0.01 vs Con group; ΔΔP<0.01, nsP>0.05 vs Dox group.

ZXF Regulated the PI3K/PDK1/AKT/FoxO1 Signaling Pathway

To elucidate the mechanisms underlying ZXF’s protective effects against HF, we performed phosphoprotein profiling using the CSP100plus signaling phospho-antibody microarray (Figure 9A). Compared with the control group, 16 phosphorylated proteins were upregulated, while 3 were downregulated in the Dox group. Following ZXF intervention, 10 phosphorylated proteins were upregulated, and 5 were downregulated (Supplementary Table S3). Comparative analysis revealed a 0.8-fold and 0.74-fold downregulation of PDK1 (Phospho-Ser241) and FOXO1/3/4-pan (Phospho-Thr24/32), respectively, in the Dox group relative to the control group. Following ZXF treatment, PDK1-Phospho levels increased by 1.75-fold, and FOXO1/3/4-pan-Phospho levels were upregulated by 1.34-fold (Figure 9B–D). These alterations are linked to key signaling pathways, including PI3K-Akt, Insulin, and AMPK. Building on the findings of the network pharmacology analysis, we further investigated the PI3K-Akt pathway to elucidate whether ZXF exerts its therapeutic effects through modulation of the PI3K/PDK1/AKT/FOXO1 signaling axis.

Figure 9 Phospho-Antibody array results showing the regulatory effects of ZXF on HF. (n=6). (A) The overview of phospho-antibody array results. (B) The figure of PDK1 (Phospho-Ser241), PDK1 (Ab-241), FOXO1/3/4-pan (Phospho-Thr24/32) and FOXO1/3/4-pan (Ab-24/32). (C and D) Statistical results of p-PDK1/PDK1, and p-FOXO1/3/4/FOXO1/3/4. *P<0.05, **P<0.01 vs Con group; ΔP<0.05 vs Dox group.

To validate this hypothesis, we conducted Western blot analysis to assess protein expression levels within the PI3K/PDK1/AKT/FOXO1 signaling pathway. As illustrated in Figure 10A–E, the expression levels of p-PI3K, p-PDK1, p-AKT, and p-FOXO1 were significantly downregulated in the model group compared to the control group. Notably, ZXF treatment markedly reversed these reductions, indicating that ZXF effectively restores the activity of the PI3K/PDK1/AKT/FOXO1 signaling axis.

Figure 10 ZXF regulated the PI3K/PDK1/AKT/FoxO1 signaling pathway. (n=5). (A) Western blot of phosphorylated and total protein levels of PI3K, PDK1, AKT, and FOXO1. (B–E) Statistical results of p-PI3K/PI3K, p-PDK1/PDK1, p-AKT/AKT, and p-FOXO1/FOXO1. **P<0.01 vs Con group; ΔP<0.05, ΔΔP<0.01 vs Dox group.

Discussion

Heart failure is characterized by cardiomyocyte necrosis and myocardial fibrosis, manifesting as excessive collagen deposition, abnormal cardiac biomarkers, weakened myocardial contraction, and impaired diastolic filling.² These pathological changes progressively deteriorate cardiac function, ultimately leading to fatal outcomes.²⁰ Current HF treatment relies on pharmacological therapies, including beta-blockers, angiotensin-converting enzyme inhibitors (ACEIs), angiotensin II receptor blockers (ARBs), and mineralocorticoid receptor antagonists (MRAs). Newer agents such as angiotensin receptor-neprilysin inhibitors (ARNIs), sodium-glucose cotransporter-2 inhibitors (SGLT2i), and soluble guanylate cyclase stimulators (sGCs) have further improved patient outcomes.^4,21,22 However, these therapies are limited by side effects like hypotension and renal impairment and do not fully address underlying processes such as apoptosis, oxidative stress, and inflammation.^23–25

Given these limitations, TCM offers a promising complementary approach by targeting these pathophysiological processes while enhancing cardiac function. TCM supports myocardial recovery and mitigates the side effects of conventional therapies, providing a more holistic strategy for HF management.^7,26,27 ZXF is a TCM formula employed by Longhua Hospital affiliated to Shanghai University of TCM for preventing and treating chronic HF. It is renowned for its ability to warm and nourish heart yang, transform qi, and promote diuresis. Numerous studies suggest that yang-warming prescriptions can alleviate hypotension,²⁸ and clinical research supports ZXF’s potential anti-HF effects.⁸ Furthermore, previous animal experiments have demonstrated that ZXF improves cardiac function and mitigates ventricular remodeling in heart failure models.²⁹ However, the precise molecular mechanisms underlying its therapeutic effects remain unclear.

Using network pharmacology, we identified 56 active compounds in ZXF and 752 genes linked to 1206 HF-related disease targets. Cross-referencing these disease and compound targets revealed 120 overlapping targets. GO and KEGG pathway enrichment analyses identified 159 associated signaling pathways, including AGE-RAGE, HIF-1, and Relaxin pathways, which are involved in oxidative stress, inflammation, energy metabolism, angiogenesis, apoptosis, and tissue remodeling—key processes underlying cardiovascular diseases, hypoxia-related disorders, and fibrosis.^30–32 PPI network analysis highlighted the top 20 ranked targets, with AKT1 emerging as the most significant, emphasizing its central role in regulating associated signaling pathways. PI3K, an essential upstream regulator of AKT, is a critical component of the PI3K-AKT signaling pathway, which governs fundamental biological processes such as apoptosis, cell survival, metabolism, and growth.^33,34 Our preliminary animal experiments with ZXF indicate its potential to improve ventricular remodeling, likely through the mitigation of cardiomyocyte apoptosis.²⁹ These findings direct our focus toward apoptosis-related mechanisms, particularly the PI3K-AKT signaling pathway, for further research.

DOX is a highly cardiotoxic drug that can lead to thinning of the ventricular wall, ventricular dilation, and a decrease in the ejection fraction, ultimately progressing to chronic heart failure.^35,36 Our study shows that DOX treatment results in severe cardiac dysfunction, myocardial hypertrophy, necrosis, fibrosis, and apoptosis in mice, while treatment with ZXF effectively improves these conditions. To further investigate ZXF’s anti-apoptotic mechanisms, we employed the CSP100plus phospho-antibody array, which includes 304 phosphorylated proteins across 16 classical pathways. This high-throughput technology allows for the simultaneous detection and quantification of multiple phosphorylated proteins, offering a comprehensive overview of dynamic signaling changes.^13,37 Comparative analysis revealed downregulation of PDK1-Phospho and FOXO1/3/4-Phospho in the DOX group compared to controls, while ZXF treatment significantly restored their levels. Based on integrated findings from network pharmacology validation and CSP100plus phospho-antibody array analysis, we identified four crucial targets: PI3K, AKT, PDK1, and FOXO1. Previous studies have established their interconnected regulatory relationships: PI3K phosphorylates PIP2 to generate PIP3; PIP3 then recruits downstream signaling proteins including the serine/threonine kinase AKT; Activated AKT phosphorylates multiple substrates, including FOXO1.^38,39 Therefore, we propose that ZXF may exert its therapeutic effects on doxorubicin-induced heart failure through modulation of the PI3K/PDK1/AKT/FOXO1 pathway. This hypothesis was further validated by Western blot analysis, which showed that ZXF enhanced the phosphorylation levels of PI3K, PDK1, AKT, and FOXO1 in the DOX-induced heart failure model.

The PI3K/PDK1/AKT/FoxO1 signaling pathway is intricately linked to cardiomyocyte apoptosis (Figure 11). PDK1, also known as 3-phosphoinositide-dependent protein kinase 1, is a crucial signal transduction protein. As a key upstream activator of AKT, PDK1 regulates AKT activity and protects cardiomyocytes from apoptosis following HF.^40,41 In response to signaling cues, phosphatidylinositol-3,4,5-trisphosphate (PIP3) is generated by PI3K and accumulates on the inner surface of the cell membrane. PIP3 then binds to the N-terminal PH domain of AKT, inducing conformational changes that facilitate PDK1 binding and subsequent phosphorylation of AKT at the T308 activation site.⁴² Once activated, AKT phosphorylates various substrates, including members of the FoxO (Forkhead box O) family, such as FoxO1, FoxO3, and FoxO4 (collectively referred to as FoxO1/3/4).^43–45 Among them, FoxO1 is the most extensively studied. Moderate activation of FoxO1 helps resist oxidative stress and maintain cellular homeostasis, while excessive activation can induce apoptosis and myocardial fibrosis.^46,47 Phosphorylation of FoxO1 by AKT causes its translocation from the nucleus to the cytoplasm, thereby reducing its ability to activate pro-apoptotic genes such as Bim, FasL, and Caspase-3. This translocation also enhances AKT-mediated survival signals by inhibiting pro-apoptotic proteins like Bax, suppressing mitochondrial apoptotic pathways, and decreasing cytochrome C release and Caspase-3 activation.^48,49 Furthermore, cytoplasmic FoxO1 helps maintain oxidative stress balance, thereby reducing apoptosis caused by oxidative damage.^50,51 Together, these mechanisms protect cardiomyocytes, reduce apoptosis, alleviate myocardial damage, improve cardiac function, and slow the progression of heart failure.^52,53

Figure 11 Illustration of the PI3K/PDK1/AKT/FoxO1 Signaling Pathway in Inhibiting Cardiomyocyte Apoptosis and the Role of ZXF.

Collectively, these findings suggest that ZXF mitigates DOX-induced HF by modulating the PI3K/PDK1/AKT/FOXO1 signaling pathway. Given the central role of this pathway in cardiomyocyte survival, its regulation by ZXF provides not only mechanistic insight but also a promising foundation for clinical translation. These data support the potential utility of ZXF or its active components as adjunctive therapies to counteract Dox-related cardiotoxicity in cancer patients or to improve outcomes in heart failure. However, several limitations should be acknowledged. Firstly, the relatively small sample size in each group may limit the robustness of our conclusions, and thus future studies with larger cohorts are warranted. Secondly, while network pharmacology provides useful insights, it relies heavily on existing databases and preclinical models, which may not fully capture the complexity and dynamic nature of human pathophysiology. Lastly, the doxorubicin-induced heart failure model used here represents one of many etiologies of heart failure. Since heart failure can arise from diverse causes including ischemic injury, hypertension, valvular heart disease, and genetic cardiomyopathies, the findings may not be universally applicable across all types of heart failure.

Conclusion

In summary, our study investigates the role and mechanisms of ZXF in alleviating DOX-induced HF by combining network pharmacology, phospho-antibody array analysis, and experimental validation. Our findings reveal that ZXF effectively mitigates ventricular remodeling, reduces cardiomyocyte apoptosis, and alleviates myocardial fibrosis in DOX-induced HF rats, mediated through the regulation of the PI3K/PDK1/AKT/FoxO1 signaling pathway.

Ethical Approval

The animal study was approved by the Experimental Animal Ethics Committee of Shanghai University of TCM and adhered to the IACUC guidelines (Permit Number: PZSHUTCM210312009).

Author Contributions

All authors made a significant contribution to the work reported, whether that is in the conception, study design, execution, acquisition of data, analysis and interpretation, or in all these areas; took part in drafting, revising or critically reviewing the article; gave final approval of the version to be published; have agreed on the journal to which the article has been submitted; and agree to be accountable for all aspects of the work.

Funding

This research was supported by the National Natural Science Foundation of China (No.82374397, NO.82004319), Shanghai Municipal Health Commission Talent Program (2022YQ040), and the fifth batch of the Talent Program (The Education Correspondence of National Chinese Medicine Industry [2022] No. 1).

Disclosure

The authors confirmed that there are no conflicts of interest related to this publication.

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Lahore, July 11, 2025 – In a landmark move for Pakistan’s real estate industry, The Vertical — one of the country’s most trusted and fastest-growing developers — has unveiled a revolutionary commercial ownership concept at its upcoming V3 Business Centre.

For the first time in the nation’s history, individuals can invest in commercial real estate starting from just 100 square feet, with a highly accessible down payment of Rs. 950,000 and monthly installments of Rs. 97,000 over an 18-month payment plan.

This breakthrough model is designed to democratize access to premium commercial property by eliminating traditional financial barriers and offering flexible, credible investment pathways for a wide range of investors, including young professionals, SMEs, and overseas Pakistanis.

Speaking about the project, Muteeb Siddiqui, CEO of The Vertical, said,

“Real estate ownership shouldn’t only belong to a select few. Our goal was to democratize premium property access while maintaining the high standards The Vertical is known for.

Whether you’re a first-time investor or a seasoned one looking for a solid, construction-backed opportunity, this model was built with you in mind.”

Unlike many speculative projects in the market, V3 Business Centre is already under construction, with three slabs completed ahead of schedule. Situated along one of Lahore’s most promising commercial corridors, V3 is designed to be a high-performance, modern workspace offering smart design, essential business amenities, and world-class facilities, including:

• Premium meeting rooms
• Valet parking
• In-house gym and wellness spaces
• 24/7security and surveillance
• Corporate-grade infrastructure

This initiative represents a paradigm shift in how real estate is owned and accessed in Pakistan. Shared ownership of commercial spaces — a rising trend globally — has been carefully localized and adapted by The Vertical to suit the needs, expectations, and investment behavior of the Pakistani market.

By offering genuine ownership starting from just 100 sqft, supported by real-time construction progress and flexible terms, The Vertical is making premium commercial real estate both attainable and scalable for investors who previously could not enter the space due to financial constraints.

With limited inventory available, this is more than an offer — it’s a signal of what the future of real estate in Pakistan looks like: smart entry, credible development, and visionary ownership models that move beyond the outdated all-or-nothing mindset of the past.

For More Information:

The Vertical

www.thevertical.pk

Contact: 03401319999

Email: [email protected]

Instagram: @thevertical.pk

Insider Brief

• Forward Edge-AI, Inc. announced that its Isidore Quantum® encryption platform has achieved FIPS 140-3 compliance, enabling access to federal and commercial contracts.
• Isidore Quantum® is an all-domain quantum-resistant encryption solution validated across air, land, sea, and space, built on NSA frameworks with patented AI enhancements, and authorized for export under ITAR and EAR exemptions.
• The platform has been field-tested with U.S. military branches and deployed on a SpaceX mission, with over $700 million in pipeline demand for applications in government, defense, and private sectors.

PRESS RELEASE — Forward Edge-AI, Inc. proudly announces that its flagship encryption platform, Isidore Quantum^®, has achieved FIPS 140-3 compliance, unlocking access to federal and commercial contracts and positioning the company as a first mover in the $1.2 trillion post-quantum encryption market.

FIPS 140-3, the National Institute of Standards and Technology’s (NIST) most rigorous encryption certification, is the de facto global benchmark for cryptographic module security. With this certification, Isidore becomes the only all-domain quantum-resistant encryption solution tested and validated across air, land, sea, and space, and authorized for export under ITAR and EAR exemptions.

Isidore’s architecture is built on NSA-developed cryptographic frameworks and enhanced with Forward Edge-AI’s patented innovations, including real-time machine learning. The solution combines Commercial National Security Algorithm (CNSA) Suite 2.0 compliance with zero-trust, AI-enhanced encryption—eliminating legacy PKI, key management infrastructure, and human error.

Field-tested with the U.S. Air Force, Army, Navy, and Space Force, Isidore was recently deployed aboard Rogue Space’s Barry CubeSat on SpaceX’s Transporter-13 mission—demonstrating the first encryption module of its kind to reach low-Earth orbit.

The FIPS 140-3 certification positions Isidore Quantum^® as a procurement-ready solution for government, defense, and private sector entities racing to meet NSA and White House post-quantum mandates. With over $700 million in pipeline demand and authorized export status, Forward Edge-AI is uniquely positioned to lead global adoption across SCADA, telecom, aerospace, and finance.

Failure to act swiftly on post-quantum security is no longer a strategic delay—it’s an existential liability. Delays could result in catastrophic breaches, permanent data loss, and irreversible exposure to quantum-enabled adversaries. The industry must heed the warning: Q-Day is coming. The time to act was yesterday.

The chancellor, Rachel Reeves, is expected to trigger a review of the auto-enrolment pension scheme next week in a move that could ultimately force employers to raise their contributions to staff retirement pots.

The announcement could come as early as Monday, forming a key part of the Labour government’s pensions review, industry sources told the Guardian.

It is expected to be one of a raft of changes outlined in Reeves’ Mansion House speech, which will detail the government’s financial services strategy to City bosses on Tuesday evening.

The review, led by the Department for Work and Pensions, will explore raising auto-enrolment contributions from the current level of 8% of worker earnings, with employees currently paying in 5% and the employer adding 3%. The consultation was put on hold last year amid concerns that it would upset businesses already reeling from a rise in employer national insurance contributions announced in Reeves’ autumn budget.

It is not yet clear what level the government is leaning towards as a new minimum, but leading pension providers have long called for the figure to be raised to 12%, suggesting that the increase takes place gradually over a number of years.

The review will be formally launched before parliament rises for summer recess on 22 July.

The auto-enrolment scheme, which was originally launched in 2012, forced employers to enrol employees automatically into a pension and contribute to their retirement funds. It was meant to make sure that everyone, whether they work for a supermarket or a corner shop, has a private pension to add to their state pension.

However, there are growing concerns that the pension contributions are not high enough to support people through retirement, creating a “ticking timebomb” where retirees will have to turn to state support and care in their old age.

The independent Office for Budget Responsibility (OBR) this week cited inadequate pensions saving as one risk factor for the public finances in the coming decades.

“Recent studies suggest a significant proportion of the population may not be saving enough through private pensions to achieve an ‘adequate’ retirement income,” the OBR warned – suggesting that could mean more people relying on the state pension and means-tested benefits.

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A government spokesperson said: “We cannot pre-empt the outcome of the review, with no decision being taken relating to pension contributions.

“We’re reforming the pensions market to drive economic growth, ensure greater security in retirement and put more money in people’s pockets.”

They added: “Our pension schemes bill will make pension pots work harder for savers, and our forthcoming pensions review will explore how we can take this even further to give hardworking people the retirement they deserve. And thanks to our commitment to the triple lock, millions will see their state pension rise by £1,900.”

TLDR:Dubai is opening WOOHOO, the first restaurant run by an AI chef.Chef Aiman, an AI created by UMAI, designs the menu, atmosphere, and service.While humans cook, Chef Aiman invents recipes using smart ingredient combos and cuts waste.Artificial intelligence is becoming part of many areas in the Arab world. It’s in education, banking, and even helping people manage money. Now, AI is stepping into a new place: the kitchen.Dubai is set to open a restaurant called WOOHOO, where the kitchen is guided by an AI chef. It’s the first in the world to do this. The restaurant will be near the Burj Khalifa, one of the most famous landmarks.Here’s the catch: humans still cook the food. But everything else, from what’s on the menu to the music and even the way servers act, will be created by Chef Aiman, an AI developed by UMAI.

Meet Chef Aiman:

Chef Aiman is not your usual kitchen helper. It’s an AI designed to work alongside human chefs. Its job is to help come up with recipes, suggest ingredients, and make sure dishes are balanced and precise.The name Aiman comes from “AI” and “man,” hinting at a blend of technology and human creativity. The AI has been trained on thousands of recipes from all over the world. It also knows a lot about food science and how ingredients work together on a molecular level.Instead of guessing, Chef Aiman breaks down food into smaller parts like texture, acidity, and umami, the savory flavor we all know. It then mixes and matches these to find new and interesting flavor combinations.

What Sets Chef Aiman Apart?

Unlike a real chef, Chef Aiman can’t taste or smell the food it makes. It doesn’t have senses like humans do. But it has something else: a huge database of food science and recipes.Because of this, it can spot combinations people might miss. For example, it looks for ways to reuse food that usually gets thrown away, like meat scraps or fat, to reduce waste. This makes the kitchen more sustainable.This focus on using all parts of ingredients is rare in restaurants. It’s a smart way to cut down on food waste while creating new dishes.

How Chef Aiman Actually Works

Chef Aiman isn’t just a tool that sends over recipes. It’s interactive. Human chefs can actually talk to it, ask questions, and get real-time feedback.One chef described it like a conversation. In a video, a chef was seen saying, “I was talking to AI-man,” as he scribbled notes while the AI guided him through steps and ingredients. This back-and-forth is a big part of how it works. The AI helps chefs build menus, tweak dishes, and plan the entire cooking process.

What to Expect at WOOHOO Restaurant

WOOHOO calls itself “dining in the future.” It plans to open its doors in September 2025 in central Dubai, close to the Burj Khalifa.The menu will feature international dishes with a touch of Asian flavors. But the real story is how it blends AI’s precise insights with human creativity. Dishes will change with the seasons, cultural influences, and even moods, something Chef Aiman can adjust for by analyzing data.The restaurant’s design and service will also reflect AI input, creating a dining experience unlike any other.

AI’s Growing Role in Food and Beverage

Chef Aiman isn’t just a silent helper in the kitchen. It’s becoming a voice in the food world. It appears on podcasts, talking about how AI can understand taste, the ethics of cooking, and what the future of food might look like.Most AI in restaurants works behind the scenes, handling orders or customer questions. Chef Aiman is different. It’s front and center, creating and guiding what people eat.With its ability to learn from global data, Chef Aiman can adjust dishes based on what’s fresh, what’s culturally relevant, and even how people feel. This is a new way AI and cooking come together.

FAQs

No. Humans still prepare and cook all the meals. Chef Aiman helps design the recipes and guides the kitchen staff.

No. It doesn’t have senses. It works by analyzing data about ingredients and flavors.

It will open in September 2025, in the center of Dubai, near the Burj Khalifa.

COPENHAGEN: Adopting a rather unusual way to bring delicious dishes to the foodies out there, Danish chef Morten Kryger Wulff is using custom-built bicycle-turned-portable kitchen to put out tantalising, original recipes.

The 56-year-old chef, a veteran of prestigious kitchens across Europe, got the idea more than two decades ago to take his cooking to the great outdoors, leading customers on a gastronomic bike ride through Copenhagen — with delectable food served at every stop.

On a sunny weekday in July, grilled seaweed, dill cream, bean fricassee, Nordic pizza, and blackcurrant ice cream were on the menu for the ride from the Danish capital’s harbour to the Amager Nature Park.

“This is as close as I can come to nature, cooking-wise, in a chef way,” said Wulff.

The tour lasts about four hours total, covering three to five kilometres (around two to three miles). It is broken into bike rides of about 15 minutes each, in between which the chef gets off his bike, unfolds his table and starts cooking.

“You take away the walls of a traditional restaurant and you expose yourself to the city and to the elements you’re in,” he told AFP.

In his cargo bike — a contraption he designed himself, measuring over two metres (six feet seven inches) long and weighing 130 kilogrammes (287 pounds) — he brings everything he needs: a foldable work surface, a refrigerator, a gas burner and all his ingredients.

“It is impressive to watch him cook from that small kitchen, to see how compressed everything is,” said Pernille Martensson, a Copenhagen local who joined the tour with her husband to celebrate his birthday.

The route is “part of the menu”, said Wulff.

“For example, the dish with fish or shellfish or seaweed is typically served by the channels,” he said.

On the docks, he sautes shrimp before serving them in shells.

As Wulff and his group gradually move away from Copenhagen’s city centre, the chef — who has worked at The Savoy hotel in London and Geneva’s InterContinental — shares stories about the city and the project.

It all began in 2002, when he was kicked out of a municipal park for trying to have a barbecue with friends, and decided to start cooking outdoors legally.

Bicycle as most sensible vehicle

Wulff takes an ecologically gentle approach.

“The food we get for these tours is, of course, all harvested and bought locally,” he said, adding that even the wines come from around Copenhagen.

“Bicycle, it’s the most sensible vehicle, the smartest vehicle. It does not use any energy. You can have a battery, but it’s pedal-powered,” he said.

The mobile approach to dining means he and his customers “meet the city, we meet the locals”, he said.

The self-proclaimed “bicycle chef” said he is “very passionate about cargo bikes and what they can do”.

He frequently participates in the Danish cargo bike championships, an unconventional competition held annually in Copenhagen.

In 2016, he was named courier of the year.

The award committee said he had “demonstrated the many possibilities of the cargo bike with his mobile kitchen project”.

Bicycle-loving Copenhagen has over 385 kilometres (239 miles) of bike lanes, the oldest dating back to 1892.

LAHORE – Toyota Indus Motor Company (IMC) has announced an increase in the prices of multiple models in Pakistan, effective immediately, following the imposition of the new tax in budget for fiscal year 2025-26.

The increase impacts a wide range of variants including Yaris, Corolla Altis, Hilux, Fortuner, and Corolla Cross.

Below are the updated prices and differences for each variant.

Toyota Yaris New Price

The popular Yaris lineup has seen moderate price revisions:

GLI MT 1.3: Increased from Rs. 4,479,000 to Rs. 4,649,000 (Difference: Rs. 170,000)

ATIV MT 1.3: Rs. 4,730,000 to Rs. 4,829,000 (Difference: Rs. 99,000)

GLI CVT 1.3: Rs. 4,760,000 to Rs. 4,809,000 (Difference: Rs. 49,000)

ATIV CVT 1.3: Rs. 5,604,000 to Rs. 5,719,000 (Difference: Rs. 115,000)

ATIV X CVT 1.5 Beige Interior: Rs. 6,255,000 to Rs. 6,389,000 (Difference: Rs. 134,000)

ATIV X CVT 1.5 Black Interior: Rs. 6,319,000 to Rs. 6,449,000 (Difference: Rs. 130,000)

Toyota Corolla Altis Rates

Toyota Corolla Altis variants have also undergone price adjustments:

X Manual 1.6: From Rs. 5,969,000 to Rs. 6,099,000 (Difference: Rs. 130,000)

1.6 X CVT-i: From Rs. 6,559,000 to Rs. 6,699,000 (Difference: Rs. 140,000)

1.6 X CVT-i Special Edition: Rs. 7,189,000 to Rs. 7,339,000 (Difference: Rs. 150,000)

Altis X CVT-i 1.8: Rs. 6,889,000 to Rs. 7,029,000 (Difference: Rs. 140,000)

Grande X CVT-i 1.8 Beige Interior: Rs. 7,509,000 to Rs. 7,669,000 (Difference: Rs. 160,000)

Grande X CVT-i 1.8 Black Interior: Rs. 7,549,000 to Rs. 7,709,000 (Difference: Rs. 160,000)

Toyota Hilux New Prices

The Hilux pickup truck series has witnessed considerable jumps in prices:

Hilux E: Increased from Rs. 11,039,000 to Rs. 11,379,000 (Difference: Rs. 340,000)

Revo G 2.8: Rs. 11,959,000 to Rs. 12,329,000 (Difference: Rs. 370,000)

Revo G Automatic 2.8: Rs. 12,549,000 to Rs. 12,939,000 (Difference: Rs. 390,000)

Revo V Automatic 2.8: Rs. 13,849,000 to Rs. 14,279,000 (Difference: Rs. 430,000)

Revo Rocco: Rs. 14,419,000 to Rs. 14,869,000 (Difference: Rs. 450,000)

Revo GR-S: Rs. 15,359,000 to Rs. 15,839,000 (Difference: Rs. 480,000)

Toyota Fortuner Prices

The Fortuner SUV has faced the steepest increases:

2.7 G: From Rs. 14,499,000 to Rs. 14,939,000 (Difference: Rs. 440,000)

2.7 V: Rs. 16,999,000 to Rs. 17,509,000 (Difference: Rs. 510,000)

2.8 Sigma 4: Rs. 17,999,000 to Rs. 18,539,000 (Difference: Rs. 540,000)

Legender: Rs. 18,999,000 to Rs. 19,569,000 (Difference: Rs. 570,000)

GR-S: Rs. 19,899,000 to Rs. 20,499,000 (Difference: Rs. 600,000)

Toyota Corolla Cross Prices Unchanged

Unlike other models, the Corolla Cross has seen no price update as of yet:

1.8: Rs. 7,849,000

1.8 X: Rs. 8,499,000

1.8 HEV X: Rs. 9,449,000

1.8 HEV: Rs. 8,999,000

With price hikes across nearly all major Toyota models, consumers may now face higher financial commitments when purchasing new vehicles.

Sri Hatiningsih, a Credit Administration Staff member at Rural Bank (BPR) Artha Huda Abadi (AHA), is diligently reviewing and processing credit applications from BPR AHA’s clients. Based in Pati, Central Java, the bank primarily supports local micro, small and medium enterprises (MSMEs).

Now, she completes her evaluations and finalizes credit approvals within minutes. 

“It used to take me at least 30 minutes to process each client. Now, I need only five,” Sri explained, emphasizing the speed and efficiency made possible by recent upgrades to BPR AHA’s core banking system (CBS).

Since late 2024, BPR AHA has received technical support to upgrade CBS from the ILO’s Promoting SMEs through Access to Digital Financial Services–Phase 2 (Promise II Impact) project, supported by the Swiss State Secretariat for Economic Affairs (SECO). The intervention is part of the Promise II Impact’s broader strategy to integrate MSMEs into value chain ecosystems and expand access to digital financial services in underserved areas.

The upgraded CBS has streamlined application processes and significantly boosted the bank’s efficiency. Real-time credit assessments and simplified loan application interfaces now enable staff to quickly verify customer information, reducing administrative delays and minimizing documentation errors.

In just six months, BPR AHA has achieved notable growth, onboarding 591 new credit account holders and 299 new savings and deposit clients. These numbers reflect not only expanded capacity but also greater inclusion—reaching informal workers, micro-entrepreneurs, and rural households previously excluded due to limited collateral, financial history or digital literacy.

One satisfied client is M. Islam, a snack distributor and tapioca flour supplier. A loyal customer since 2019, he shared how loan applications used to take up to two weeks. “Now I can complete everything in one week and submit documents online. It helps streamline my business planning,” he remarked.

H. Dliaul Khaq, Director of BPR AHA, emphasized that the CBS upgrade came at a crucial moment, coinciding with new regulatory requirements from the Financial Services Authority (OJK) that introduced more complex accounting standards. The new system replaced manual, time-consuming tasks—previously prone to inconsistencies caused by network instability and system errors—with automated, real-time data collection and reporting, ensuring timely and accurate submissions.

Beyond compliance, the upgraded CBS has enhanced institutional accountability in client services and business development. It has also significantly improved workload management and occupational safety. 

“Since the upgrade, faster transaction speeds and improved system reliability have reduced overtime, allowing employees to complete their work on time and maintain a healthier work-life balance. This shift has boosted staff morale, lessened fatigue and supported safer, more sustainable working conditions as key aspects of decent work,” Dliaul continued.

Notably, the transformation fostered a data-driven and inclusive workplace culture: staff are now trained to use real-time dashboards and analytics tools, shifting decision-making from intuition to evidence-based approaches. This shift has strengthened transparency, cross-department collaboration, and operational confidence, while empowering employees to track performance, anticipate client needs, and drive innovation.

Djauhari Sitorus, Programme Coordinator of ILO’s Promise II Impact Project, praised BPR AHA’s commitment and progress in expanding access for remote and rural clients through digitalization. “The partnership between the ILO and BPR AHA shows how targeted digital investments in rural banking can drive systemic improvements that enhance efficiency, promote decent work and create more opportunities for MSMEs in underserved regions.”

A Withholding Tax Certificate in Pakistan is an important document confirming tax deductions made at source.

It serves as proof of tax withheld on income such as salaries, contracts, or services and can be used for submitting tax returns to the Federal Board of Revenue or claiming tax credits.

According to the FBR, “If Income Tax is withheld by someone from payments made to you, then, section 164 of income Tax Ordinance 2001, requires every withholding agent to provide to the person from whom the tax has been deducted, a certificate that such amount has been collected as tax from that person”.

The top tax authority said the Withholding Tax Certificate must be attached to the income tax return as proof of payment of tax.

You can obtain your tax withholding certificates from your withholding authorities, e.g employers, banks etc.

Download Bank Alfalah Withholding Tax Certificate

The Bank Alfalah has unveiled an easy process for its customers to download the Withholding Tax Certificate. You can get it instantly from Alfa app.

Following are the steps to download the certificate:

Long in to Alfa

Click “More”

Select Tax Management

Pick account, WHT type and transaction period

Click “Generate”