4th annual world islamic retail banking conference

VISIT OUR WEBSITE:

www.fl eminggulf.com

9 – 10 October 2012, Habtoor Grand Beach Resort & Spa, Dubai, U.A.E

“Aspiring Innovations Across Horizons”

Maintaining competitive advantage through customer centricity when ‚Islamic‘ becomes a hygiene factor

Lack of visible product differentiation in Islamic Retail Banking

CEO Roundtable: Islamic Retail Banking Strategy

Impact on Retail Banking Industry due to Regulatory changes

Launch of the IFC & ISRA thought leadership on “Enhancing Shariah Assurance“. The report identifi es select limitations in current shariah audit practices and provides suggestions for improvements. (Report topics include: dangers of auditing your own work, use of shariah audit opinons, transparency & disclosure of fees amongst others)

KEY TOPICS TO BE DISCUSSED

Irfan Siddiqui | Meezan Bank Ltd.President & Chief Executive Offi cer

Hussain AlQemzi | Group CEO Noor Investment Group, Noor Islamic BankChief Executive Offi cer

Moinuddin Malim | Mashreq Al IslamiChief Executive Offi cer

Ebrahim (Ebi) Ahmed Patel | First National Bank & WesBank Islamic Finance | Former Chief Executive Offi cer

Stephen Ranzini | University Bank | CEO

Dr. Adnan Chilwan | Dubai Islamic BankDeputy Chief Executive Offi cer

Badlisyah Abdul Ghani | CIMB Group (Malaysia) | Head of Group Islamic Banking Division

Wasim Saifi | Standard Chartered Saadiq Global Head, Consumer Banking

Ms Subitha Bhanu Mohd HussanAl Rajhi Bank Malaysia | Vice President, Head of Product Development-Retail

Abdulrahman Al Turki | Bahrain Islamic Bank BSC | General Manager, Retail Banking

Harun Kapetanovic | Dubai Department of Economic Development(Govt. Of Dubai)Economic Advisor

Dr. Rifki Ismal | Bank IndonesiaAssistant Director Department of Islamic Banking

Prasanna Seshachellam | Dubai Financial Services Authority | Director, Supervision

Humayun Jamshed | SAB InternationalSenior Director-Islamic Banking & Finance

Sirajul Haq Yasini | HSBC AmanahGlobal Head, Shariah Affairs

Muhannad Shehadeh | Military Credit Fund – Jordan | Chief Executive Offi cer

Omar Shaikh | Islamic Finance Council UK Executive Board Member

Mohammad J.A. Zaqout | Al Hilal BankEVP, Personal Banking Group

Mufaddal Idris Khumri | RAKBANKHead Islamic Banking

John Chang | Noor Islamic BankHead of Consumer Banking

Yusuf Jehangir | Al Rajhi BankGroup Head of Marketing and Customer Service

Muhammed Ikram Thowfeek | MIT GlobalFounder & MD

Dr. Muhammad Al-Bashir Muhammad Al-Amine | Bank Alkhair | Group Head - Shari‘ah Assurance Dept

Samira Shaloh | World Security | Director – Corporate Strategy, Development and Quality

Tamás Erni | LOXON Solutions LtdManaging Partner

Ravi Khanna | Sharjah Islamic BankChief Information Offi cer

Ghiath Halabi | VeriParkEngagement Director

Ismail Ali | ITS | Director, Banking Marketing and Global Operations

Dr. Azeemuddin Subhani | Ajman University of Science & Technology, Shariah Scholar Assistant Professor, Islamic Finance Head, Finance Department

Mian Muhammad Nazir | Senior Vice President and Head of Legal at | Dar Al Sharia (Dubai Islamic Bank), United Arab Emirates

Syed Haider Mehdi | Management Excellence | President and CEO

4th Annual World Islamic Retail Banking Conference

CONFIRMED SPEAKERS AND PANELLISTS

Senior Regulators and Academicians from Central Banks and Universities.

Industry Leaders from Islamic Banks, Islamic Retail Banks, Conventional Banks with Islamic windows, Conventional Banks with below job titles:Chief Executive Offi cers, Head of Retail Banking, Head of Consumer Banking, Chief Executive Offi cers, Head of Retail Banking, Head of Consumer Banking, Branch Heads, Head of Wealth Management, Head of Strategy, Shariah Committee Head, Chief Financial Offi cer, Chief Information Offi cer, Chief Operating Offi cer, Head of Human Resources, Head of Risk, Head of E-Banking, Head of Distribution Channels, Head of Bancatakful, Head of Customer Service, Head of Retail Sales/Marketing, Head of Training

Finance Experts from:Information Technology Companies, Law Firms, Islamic Finance Consultancies, Ratings Firms, Media

WHO MUST ATTEND

Moinuddin MalimMashreq Al IslamiChief Executive Offi cer

Mohammad J.A. ZaqoutAl Hilal BankEVP-Personal, Banking Group

Sirajul Haq YasiniHSBC AmanahGlobal Head, Shariah Affairs

Sohail ZubairiDar Al Sharia Legal & Financial Consultancy

Mufaddal Idris KhumriRAKBANKHead, Islamic Banking

CONFIRMED ADVISORS

Gold Sponsors:

Automotive Partner:

EUREKA PRIVATE EQUITY

Lead Media Partners: Offi cial Arabic Broadcaster:

Media Partners:

Technology Partner:

Supporting Associations:

Premium Silver Sponsor: Silver Sponsor:

Conference Lunch, Badge, Lanyard Sponsor:

Islamic Solutions Partner:

Takaful Partner:

Networking HostDay 2:

Networking HostDay 1:

Exclusive KnowledgePartner:

Booking line: tel: + 971 4 609 1565, fax: + 971 4 609 1589

email: welma.williams@fl eminggulf.com, www.fl eminggulf.com

Dear Islamic Banking ExpertWIRBC now its fourth year has generated a lot of interest globally. This year WIRBC shall keep you engaged on topics weaved through the conference theme

“Aspiring Innovations Across Horizons”. Topics this year would include:

the future of Islamic Windows in conventional Banks, Lack of visible product differentiation in Islamic Retail Banking, failure of Islamic Investment Funds to capture retail customers and many more..

All in all, Islamic fi nance assets around the world are expected to climb 33% from their 2010 levels to $1.1 trillion by the end of 2012, boosted by the aftermath of the Arab Spring uprisings and dissatisfaction with conventional fi nance in the wake of the global debt crisis. Among the survivors, different banks will pursue different strategies, depending on their markets. But all players will be much more focused. The handful of global banks likely to be fl ourishing in 2012 will owe much of their success to having signifi cantly scaled back the complexity of their operations.

We look forward to welcoming you to this engaging conference, 9-10 October 2012 in Dubai, U.A.E

Kind Regards,

Welma WilliamsDeputy Production DirectorFleming Gulf Conferences

SNAPSHOTS PAST ANNUAL WIRBC SERIES



8:30 Registration and Coffee

9:00 Recital from the Holy Quran

9:05 Welcome by Fleming Gulf

9:10 Opening remarks from the ChairSyed Haider Mehdi | Management ExcellencePresident and CEO

9:20 Impact on Retail Banking Industry due to Regulatory changes Panel• Regulatory changes; how they may impact lending and borrowing in the UAE • Effects on the service quality and profi tability of banks; how will the new

regulation adversely impact the income streams• Introduction of credit bureaus• Islamic banks and fi nance institutions will not be subject to all the provisions of

the Regulations specifi cally in relation to interest• If the banks now have to provide same levels of service to all at uniform price;

how to differentiate between a priority banking customer and an ordinary account holder

SPECIAL ADDRESS:A Response Toward Microfi nance Development- Case of IndonesiaDr. Rifki Ismal | Bank Indonesia | Assistant Director Department of Islamic BankingPanellists:Harun Kapetanovic | Dubai Department of Economic Development(Govt. Of Dubai) | Economic AdvisorDr. Rifki Ismal | Bank Indonesia | Assistant Director Department of Islamic BankingPrasanna Seshachellam | Dubai Financial Services Authority | Director, Supervision

10:10 Coffee Break and Exhibition viewing hosted by | Nucleus Software

10:40 Session 2 | CEO Roundtable: Islamic Retail Banking Strategy• Creating a global Islamic customer proposition• Setting up a geographical footprint across Asia, Africa, Middle East & North

America• Challenges of working with different shariah structures and interpretations

across geographies• Creating international Islamic retail bankers• Creating a value proposition for the premium segments in Islamic Banking, and

tapping the opportunity for Islamic wealth management.

Panellists:Hussain AlQemzi | Group CEO Noor Investment Group, Noor Islamic Bank | Chief Executive Offi cerMoinuddin Malim | Mashreq Al IslamiChief Executive Offi cer Irfan Siddiqui, Meezan Bank Ltd. | President & Chief Executive Offi cerEbrahim (Ebi) Ahmed Patel | First National Bank & WesBank Islamic Finance | Former Chief Executive Offi cerStephen Ranzini, University Bank | Chief Executive Offi cerDr.Adnan Chilwan | Dubai Islamic Bank | Deputy Chief Executive Offi cerWasim Saifi | Standard Chartered SaadiqGlobal Head, Consumer BankingBadlisyah Abdul Ghani | CIMB Group (Malaysia)Head of Group Islamic Banking Division

11:30 Session 3 | Competition in Islamic Banking Propel New Opportunities for SMEs• Introduction to Islamic Finance• Islamic Finance in Malaysia • SME‘s Contributions to Malaysia‘s Economy• Understanding the Current Needs of Financings for SMEs• Scaling Up Islamic Banking • CIMB Islamic Overview

Badlisyah Abdul Ghani | CIMB Group (Malaysia)Head of Group Islamic Banking Division

12:10 Session 4 | Lack of visible product differentiation in Islamic Retail Banking• Structural changes or risk/reward change• Differential pricing

Wasim Saifi | Standard Chartered SaadiqGlobal Head, Consumer Banking

12:50 Banking security • how World Security can service all banking security requirements• World security engineering, uniformed security guarding, secured cash

collection & delivery and ATM servicing

Samira Shaloh | World Security | Director – Corporate Strategy, Development and Quality

13:05 Prayer Break and Conference Lunchhosted by | World Security

14:00 Session 5 | Maintaining competitive advantage through customer centricity when ‚Islamic‘ becomes a hygiene factor• Developing targeted offerings based on customer value • Driving service improvement with VOC as an enabler • Increasing engagement through social media

Yusuf Jehangir | Al Rajhi Bank | Group Head of Marketing and Customer Service

14:40 Session 6 | Cross selling at every opportunityThe presentation will cover in bound and out bound customer touch points and will give examples of how applying technology will help the banks to sell more products to their customers. Presentation will focus on:• Cross selling at teller visit• Social media• Mobile computing

Ghiath Halabi | VeriPark | Engagement Director

15:10 The changing shape of risk management• The effects of Basel III to integrated risk management• Scoring techniques in credit risk origination• Monitoring and collateral management: gaining control over the portfolio • Different levels of automation in the lending process • Managing the entire lifecycle of lending in an integrated environment

Tamás Erni | LOXON Solutions Ltd | Managing Partner

15:40 Prayer Break and Coffeehosted by | Nucleus Software

16:10 Session 7 | Service Quality and the truth behind organizational transformationsWhy do some organizations succeed while others fail in transforming their businesses to be more customer focus? Why are some companies more innovative than others in meeting customer needs? How do you move an entire business to the next level of service?John presents never-before-published industry-wide fi ndings and reveals surprising issues that are almost never considered in a standard Service Quality program.

John Chang | Noor Islamic BankHead of Consumer Banking

( *Rated Best Speaker by participants at 3rd Annual WIRBC)

16:50 Session 8 | Solutions for turbulent global fi nancial market ‘from an Islamic banking & fi nance perspective’• Introduction• Market demand, shifting global players…• Impact of the global fi nancial crisis on INDIVIDUALS, CORPORATES & THE

GOVERNMENTS at large.• Islamic Banking & Finance as a solution provider • Boosting the Islamic fi nance industry - the challenges ahead & the future trends • The need of the hour… Education, Training & Awareness • Conclusion

Muhammed Ikram Thowfeek | MIT Global | Founder & MD

17:20 Chairman’s Closing Remarks

18:00 Networking Reception

Day 1, 9th October 2012



8:30 Registration and Coffee

9:00 Opening remarks from the chairSyed Haider Mehdi | Management ExcellencePresident and CEO

9:20 Session 1 | Developing Innovative Islamic Retail Products - The Challenges & Opportunities

• The essentials of product development

• Understanding market demand & opportunities

• Viability of product-the challenges

• Acceptance and attractive to targetted segments/markets

• Product performance-the yardstick to measure success

Ms Subitha Bhanu Mohd Hussan | Al Rajhi Bank Malaysia | Vice President, Head of Product Development-Retail

10:00 Session 2 | Harnessing Technology to pave Islamic Banking Road

• Islamic banking trends

• Competitive landscape

• Technology is an enabler

Ismail Ali | ITS| Director, Banking Marketing and Global Operations

10:40 Coffee Break and Exhibition viewinghosted by | Craft Silicon

11:10 Session 3 | Presentation by: Nucleus Software

11:50 Session 4 | Retail Banking Services: The Jordanian Army Retail Bank.

Retail banks have always been entertaining a variety of customers across various segments. There are not too many retail banks in the region that are dedicated to a particular segment, thru an Islamic model.The Military CreditFund is an initiative launched by Royal Hashemite Court to implement the vision of His Majesty King Abdullah II, to create from ground zero an Islamic personal banking operating model This presentation is a case study of Jordan’s Military Credit Fund and it will feature:-

• The Retail Banking Operating Model: Army Retail Bank

• The Opportunities & Challenges in dealing with the Military

• The moral responsibility of the Model

• Why Islamic banking

• Delivering State of the art Products

Muhannad Shehadeh | Military Credit Fund – JordanChief Executive Offi cer

12:30 Prayer Break and Conference Lunch

14:00 Session 5 | Responsible Retail Financing in Shariah

• Responsibility of fi nanciers

• Tariffs charged by banks for various services

• Rebate (Compulsory vs Discretionary)

• Responsibility of customers

• The rules of Shariah for marketing retail products

• Shariah training and public awareness in the retail banking worldSirajul Haq Yasini | HSBC Amanah

Global Head, Shariah Affairs

14:40 Session 6 | “Growth & Relevance of Islamic Banking & Finance“

Humayun Jamshed | SAB InternationalSenior Director-Islamic Banking & Finance

15:20 Prayer Break and Coffeehosted by | Craft Silicon

15:50 Session 7 | The role of technology, apps, remote banking techniques and social media in retail banking arena - Panel

• Universal Banking Drivers

• Trends in technology transformations

• Choosing the right technology partner

• Social media in retail banking

Panellists:Abdulrahman Al Turki | Bahrain Islamic Bank BSCGeneral Manager, Retail BankingMohammad J.A. Zaqout | Al Hilal BankEVP, Personal Banking Group

Mufaddal Idris Khumri | RAKBANKHead Islamic BankingRavi Khanna | Sharjah Islamic BankChief Information Offi cer

16:45 Session 8 | Annual Open Fatwa Session - Panel

Launch of the IFC & ISRA thought leadership on „Enhancing Shariah Assurance“. The report identifi es select limitations in current shariah audit practices and provides suggestions for improvements. (Report topics include: dangers of auditing your own work, use of shariah audit opinons, transparency & disclosure of fees amongst others)

• The future of Shariah compliant Retail Banking in the Middle East

• Growth drivers in the Islamic consumer fi nance and retail bankingModerator:

Omar Shaikh | Islamic Finance Council UKExecutive Board MemberPanellists:Dr Muhammad Al-Bashir Muhammad Al-Amine | Bank Alkhair | Group Head - Shari‘ah Assurance DeptSirajul Haq Yasini | HSBC AmanahGlobal Head, Shariah AffairsDr. Azeemuddin Subhani | Ajman University of Science & Technology, Shariah Scholar | Assistant Professor, Islamic Finance Head, Finance DepartmentMian Muhammad Nazir | Senior Vice President and Head of Legal at | Dar Al Sharia (Dubai Islamic Bank), United Arab Emirates

17:45 Chairman’s Closing Remarks

18:00 Close of WIRBC 2012

Day 2, 10th October 2012



SPEAKER BIOS

Dr. Adnan Chilwan | Dubai Islamic BankDeputy Chief Executive Offi cerDr. Chilwan, a veteran marketing professional and an Islamic Banker by practice has over sixteen years of commendable banking experience with both reputed conventional and Islamic banks in the gulf region like Dubai Islamic Bank (UAE), Dubai Bank (UAE), Commercial Bank of Qatar (Qatar), Mashreq Bank (UAE), Abu

Dhabi Islamic Bank (UAE) and HSBC (UAE). At Dubai Islamic Bank, he provides leadership to the Business Group comprising of all business functions in the bank; Consumer Banking, Corporate Banking, Financial Institutions, Real Estate & Contracting and Treasury, and manages a balance sheet footing of c. US$ 26 Bio with revenue contributions of c. US$ 1.5 Bio and FTE of c. 1400 across the business group. As a member of the Executive Committee of the bank, he leads various strategic initiatives around acquisitions, mergers and new business ventures. Dr. Chilwan has laudable knowledge & exposure in setting up business functions and organizations. His major achievements include leading the conversion of a conventional bank to an Islamic Bank, founder member in setting up an Islamic Bank, involvement in setting up of an Islamic fi nance company. Dr Chilwan represents DIBs in boards of various strategic investments, subsidiaries and associates, to maximize ROI and ROE. He is currently Chairman, Islamic Financial Services (Brokerage Arm of DIB); Board Member, DIB Capital (Investment Bank of DIB); Board Member, Tamweel PJSC (Mortgage Finance Company listed on DFM); Board Member, Deyaar PJSC (Real Estate Company listed on DFM); Board Member, Liquidity Management Centre (Investment Centre in Bahrain); Board Member, Dar Al Shari’a (Legal and Shari’a Consultancy); Board Member, Millennium Private Equity and Board Member, Emirates REIT (Real Estate Investment Trust). He is also a member of the DIB’s Investment Committee, Asset & Liability Committee, Management Credit Committee, Automation Committee and Executive Committee. Dr. Chilwan has a PhD and a MBA in Marketing to his credentials. He is a Certifi ed Islamic Banker (CeIB), a Post Graduate in Islamic Banking & Insurance and an Associate Fellow Member in Islamic Finance Professionals Board.

Abdulrahman Al Turki | Bahrain Islamic Bank BSCGeneral Manager, Retail BankingAbdul Rahman Mohamed Turki joined Bahrain Islamic bank in January 2008 as General Manager Retail banking. His banking experience extends for over 29 years working in Bahrain and the GCC, Abdul Rahman was heading the retail division of Al Safa Islamic Banking Services in Qatar were he worked for Commercial bank of Qatar from November 2001 until January 2008 before he joined BisB. Prior to that, He was with Grindlays Bahrain Bank from 1981 – 2001 where he started his banking career in the Treasury & investment and later took key positions in Retail banking, business development and marketing. During that period he was also seconded to ANZ banking group Muscat for one year joining the Management team to set up a new joint venture local bank under the name of Oman Saving and Finance Bank. Abdul Rahman obtained his MBA from Strathclyde University in Scotland majoring in strategic & scenario planning. He also has an advanced diploma in banking studies in addition to a vast number of participations as participant and presenter in major forums and seminars in fi nance/ Islamic fi nance, Risk management, marketing and banking.

Badlisyah Abdul Ghani | CIMB GroupHead of Group Islamic Banking DivisionBadlisyah Abdul Ghani, a Malaysian, aged 38, is the Executive Director and Chief Executive Offi cer of CIMB Islamic Bank Berhad, the fl agship Islamic banking and fi nance entity of CIMB Group. Badlisyah is also Head of Group Islamic Banking Division and oversees the overall Islamic banking and fi nance franchise of CIMB

Group known as CIMB Islamic. His areas of responsibility cut across all legal entities within the Group as CIMB Islamic operates as a parallel banking franchise that leverages on the Groups’ infrastructure and network both locally and globally. Throughout the years, Badlisyah has been recognized by top international publications as the world’s ‘Top 20 Pioneer In Islamic Finance’, ‘Islamic Banker Of The Year’, and ‘Most Outstanding Contributor To The Development of Islamic fi nance’. He holds a Bachelor of Laws degree from the University of Leeds, United Kingdom.

Dr. Azeemuddin Subhani | Ajman University of Science & Technology, Shariah ScholarAssistant Professor, Islamic Finance Head, Finance DepartmentA Shari’ah Scholar and Professor, Dr. Azeemuddin Subhani holds an MA and PhD in Islamic Law/Islamic Finance from McGill University, an MBA in Accounting (Karachi) and an MBA and Doctoral course work in Finance from the University of Southern California. His PhD dissertation on the Divine Law of Riba [usury] and Bay‘ [exchange], offi cially recognized as a seminal theorization in Islamic law, posits an original interpretation of the rationale of the prohibition of riba, with far-reaching conceptual and practical implications for the Islamic Finance industry. Dr. Subhani is well-versed in Islamic Law and in both Western and Islamic Finance, with over four decades international professional experience in academia, industry, and government in addition to fi nancial Shari‘ah consulting. As a Canadian independent Financial Shari’ah Scholar and Professor, Dr. Subhani has several professional affi liations, consulting assignments, Shari’ah Board memberships and speaking engagements at international Islamic Finance conferences.

Ebrahim (Ebi) Ahmed Patel | First National Bank & WesBank Islamic FinancePast Chief Executive Offi cerEbrahim Patel, who has always been recognised as an innovator and maverick, is also the architect and engineer of IslamicFinance in South Africa. During his 29 years with the FirstRand Group, Ebi has made his mark on every aspect of the

business in which he has been involved, including the IT division and management training centre. He has collected numerous awards for excellence, receiving the FNB innovation award for IT systems three times. As the fi rst Chief Executive Offi cer of IslamicFinance, Ebi was proud to launch WesBank’s

Shari’ah compliant products in 2004, adding offerings from First National Bank to the banking suite in 2005. Ebi’s role in researching, developing and introducing IslamicFinance through conventional banks in Southern Africa, is a ground-breaking initiative, serving both the Muslim and non-Muslim communities. In 2007 Ebi was also instrumental in launching Islamic Finance in Botswana. Ebi is well known both locally and internationally and has presented papers on Islamic Finance in countries like Kenya, Egypt, Turkey, Malaysia, Dubai and South Africa. In 1996 Ebi was invited to join the ISI Conference Advisory Board based in Pittsburgh USA and in 1998 was appointed Chairman of the Advisory Board. He holds Marketing, Market Research and Practical Project Management qualifi cations from UNISA and has served as a Director on the Board of the Direct Marketing Association of South Africa. Ebi has presented many papers on Customer Information, Customer Data Quality and Customer Relationship Marketing at various conferences in the USA, UK and South Africa. He has also completed the Management of Technology Programme through the Graduate School of Business of UCT and the Senior Management Development Programme at the University of Potchefstroom. Besides his professional experience, Ebi is very involved with community-based organisations. Ebi is married with three children.

Harun Kapetanovic | Dubai Department of Economic Development(Govt. Of Dubai)Economic AdvisorHarun is Economic Adviser at the Department of Economic Development, Dubai Government. His range of responsibilities include assessment of the global crisis’s impact on Dubai’s economy and strategic sector development with emphasis on

Dubai’s fi nancial cluster development. He has initiated and currently leads some key initiatives aimed at developing the fi nancial sector and economy in Dubai. Prior to his current positions, he was Regional Manager at Dubai Islamic Bank and DIB Capital, Financial Engineer at the Treasury Department of Islamic Development Bank and the Privatization Specialist at the World Bank mission in Sarajevo. Harun has also taught senior courses in fi nance at College of Business Administration (CBA), Jeddah. He has successfully participated and concluded some landmark transactions in Islamic banking across business lines, including sukuk, private equity, real estate, project fi nance and advisory. Harun is also the Chairman of the Audit Board of Bosna Bank International (BBI), the only Islamic bank in Bosnia and the region. As a Chevening Scholar he holds an MSc in International Securities, Investment and Banking from International Capital Markets Association (ICMA), Henley Business School, UK.

Hussain AlQemzi | Group CEO Noor Investment Group, Noor Islamic BankChief Executive Offi cerA seasoned banker with over 28 years of experience working with the leading fi nancial institutions in the UAE, Hussain AlQemzi now leads Noor Investment Group (NIG), and its fl agship entity Noor Islamic Bank (NIB) as its Group CEO.

A UAE National, AlQemzi is an insightful leader with proven experience of incubating, leading and managing strategic ventures and business transformation initiatives. During his tenure as CEO, Noor Islamic Bank has received many prestigious awards, amongst which are Best New Bank in the Middle East, Banker Middle East Industry Awards 2009; Best Structured Finance Deal of the Year 2008, Islamic Finance News; Best Deal of the Year 2008, Islamic Finance News; Best Tawarruq Deal of the Year 2008, Islamic Finance News; Best New Product Award, Banker Middle East Product Awards 2011 and Deal of the Year 2011 in the Islamic Finance category for the European regional awards, The Banker. The bank was also ranked fi rst by Bloomberg in the 2008 list of international shari’a compliant lead arrangers and fi rst by Thomson Reuters in the 2008 Islamic book runner and arranger categories. As a result of his achievements AlQemzi was awarded the prestigious 2010 ‘CEO of the Year Award’ in the Islamic Banking category at the CEO Middle East Awards. Prior to his appointment as GCEO of NIG and CEO of NIB AlQemzi was the Chief Executive of Sharjah Islamic Bank and a former Board member of Dubai Financial Market (DFM), and Dubai International Financial Exchange (DIFX). He has also served as Chief Operating Offi cer of the Dubai International Financial Centre (DIFC), and is credited with laying the ground for the world class fi nancial hub. In addition, to his roles at NIG and NIB, AlQemzi is the Chairman of the Board of Directors of the Awqaf and Minors Affairs Foundation, Vice Chairman of Emaar Properties PJSC and is a member of the Board of Directors of the DIFC Supreme Council, DIFC Authority and Emirates Institute for Banking and Financial Studies.

Ismail Ali | ITSDirector, Banking Marketing and Global OperationsIsmail Ali brings more than 17 years of fi nancial and technology experience with an extensive background in retail and Islamic banking solutions, setting and executing banking strategies based on comprehensive understanding of global market dynamics, industry challenges and Financial Institution’s needs. Ismail was the

director of Islamic banking department in multi-national banking solution providers, established and directed the Global operation, expansion and marketing strategies within fi nancial market. Beside the experience of implementing Islamic banking solutions as Islamic windows, green fi eld banks and transforming banks into full fl edge Islamic banking; Ismail has Authored and published: “Islamic banking system” paper on Yale Economics Department Research and European Finance eJournal. Ismail has given speeches at international Islamic banking conferences in USA, UK, Malaysia, UAE, South Africa and Switzerland. Ismail earned his MBA degree from University of Wales, UK and earned his Bachelor degree of Mathematics from University of Cairo, Egypt.

John Chang | Noor Islamic Bank PJSCHead of Consumer BankingJohn has over 25 years of experience in consumer banking that cuts across several emerging markets in Asia and the Middle East. Before Noor, John was the Business Development Director at Abu Dhabi Finance, a leading provider of mortgage fi nance in the UAE. Prior to ADF, he was head of retail banking at Burgan Bank,



SPEAKER BIOS

Kuwait, where he successfully executed the mandate to transform the entire line of retail banking products. He spearheaded the award winning initiative called Project “Bright Future” which resulted in Burgan Bank winning the “Most Innovative Retail Bank” by Middle East Retail Banking Awards 2008. Prior to this, as head of retail banking at the Commercial Bank of Qatar, he led the expansion of the bank’s network, and achieved an increase in revenue by 130 percent. He started his career with Standard Chartered Bank in 1985 and as an international manager, served in key East Asian, Middle East and African markets in capacities ranging from head of consumer businesses to leading risk and credit management functions. A Malaysian national, John is fl uent in English and in Malay and has a Bachelor of Science (Banking and Finance) and Master of Business Administration from City University, UK.

Irfan Siddiqui | Meezan Bank Ltd.President & Chief Executive Offi cer Irfan Siddiqui is the founding President & CEO of Meezan Bank Ltd. He initiated the formation of Al-Meezan Investment Bank in 1997, which was converted into a full fl edged scheduled Islamic Commercial Bank in May 2002. This was the fi rst ever license to be given for Islamic Commercial Banking in Pakistan. Meezan Bank is

now the largest Islamic Commercial Bank in Pakistan with 201 branches spread across 54 cities. He is a Chartered Accountant from England & Wales and has extensive fi nancial sector experience with Abu Dhabi Investment Authority, Abu Dhabi Investment Company, Kuwait Investment Authority and Pakistan Kuwait Investment Company.

Humayun Jamshed | SAB International Senior Director-Islamic Banking & Finance Humayun Jamshed is the senior director-Islamic Banking & Finance for SAB. He carries more than 20 years of banking experience with world’s leading fi nancial institutions and has a distinctive experience of setting up and managing highly successful Islamic banking businesses across Asia and the Middle East. On his last

assignment he was managing the Islamic Banking business for Commercial Bank of Dubai. Prior to that he was the Head of Islamic Finance for ABN AMRO Bank and successfully launched the bank’s fi rst Islamic banking business worldwide. He has also been a deputy CEO of an Islamic Investment banking operations in the UAE. He holds a Masters in Business Administration from Kent Business School in United Kingdom and is a frequent speaker on various Islamic Banking Conferences globally.

Mian Muhammad Nazir | Senior Vice President and Head of Legal at | Dar Al Sharia (Dubai Islamic Bank), United Arab EmiratesNazir is an accomplished and prominent Sharia expert/lawyer in the fi eld of Islamic banking and fi nance. He specializes in retail, corporate, syndications, project fi nance, Sukuk, securitizations, Islamic investment funds, Islamic trusts, swaps and

derivatives, insurance and Islamic fi nance legislation and regulations. He has played a leading role in providing technical support to Islamic banking and fi nance industry through innovation in product development.Nazir holds LL.M in Commercial Law from the University of Cambridge, United Kingdom and LL.B (Hons) Sharia and Law (with distinction) from International Islamic University, Pakistan and B.A Social Sciences and Islamic Jurisprudence from International Islamic University, Pakistan. In addition to his qualifi cations he has received intensive training in international fi nancial laws including securitization, swaps and derivatives.Nazir currently serves as Senior Vice President and Head of Legal at Dar Al Sharia (Dubai Islamic Bank), United Arab Emirates. He also served as Legal Advisor to Dallah Al Baraka, Kingdom of Saudi Arabia, one of the largest Saudi conglomerates with operations in banking, fi nance, media and other businesses. He also served as Director Law and Regulatory Affairs, Pakistan Telecommunication Authority where he advised on telecommunication regulations in addition to assisting Government of Pakistan in preparing the Electronic Transactions Ordinance, 2000. He is Life Member, High Court Bar Association and Cambridge Commonwealth Society and various other professional associations. He is fl uent in English, Arabic and Urdu. He is a regular speaker at Islamic banking, fi nance and insurance conferences and seminars.

Mohammad J.A. Zaqout | Al Hilal BankEVP, Personal Banking GroupMohammad Zaqout joined Al Hilal Bank in march 2008 as EVP – Head Of Personal Banking bringing with him over 17 years of experience in the Personal Banking sector globally. He was previously the Regional Head Of Retail Banking overseeing the Levant and North Africa operations at Arab Bank based out of Jordan. He

started his career with Bank of America, San Francisco, USA, in customer service and moved to hold several senior Retail Banking positions both in standard chartered bank and Arab Bank across the GCC and Levant. Zaqout holds a bachelor of science and business administration in fi nance from the university of San Francisco and is a Certifi ed Retail Credit Risk And Investment Banker.

Moinuddin Malim | Mashreq Al-Islamic Finance Company | CEO, Mashreq Bank PJSC., Head of Islamic Bank DivisionMoinuddin Malim Moin has vast experience of Islamic banking stretching near 20 years. He lead’s Mashreq Al-Islami as a originator of Islamic deals as well as a product house serving the entire Mashreq bank group across regional markets and

providing full range Shari’ah complaint products and services for retail to wholesale banking needs of its clients. Previously, Moin was the Managing Director in Dubai Islamic Bank for Asset Management & Capital Markets where he successfully led arranged a number of Sukuks aggregating to US$9 billion and Islamic investment funds. Under Moin, DIB established its credentials as Best Global Sukuk House (Eurom2oney); Best Sukuk House (Banker Middle East) led Euromoney Lead Tables in 2004 & 2005 plus other awards. Moin had also worked with The International Investor as Senior Partner, running the investment banking activities for the group in UAE and in Qatar. His Islamic career started in early 90s with Al Baraka Banking Group.

Muhannad Shehadeh | Military Credit Fund – Jordan | Chief Executive Offi cerMuhannad Shehadeh has been in the fi nancial industry for 15 years working with reputable organizations such as HSBC, and AIG in different parts of the region. Recently, Muhannad, was selected by the Royal Hashemite Court to startup, and implement the vision of His Majesty King Abdullah II, to create from ground zero a

personal banking operating model with a capital of USD200m. The business model would automate the Army payroll, Introduce E banking, provide credit facilities, and acquire liabilities, under the name of Military Credit Fund or what is known locally “The Army Bank Before that Muhannad, was the Head of Retail and Wealth management at HSBC- Jordan, responsible for the delivery of USD 35m in revenue. Muhannad spent 6 years with HSBC in many executive positions in Lebanon and Jordan. With AIG Muhannad spent 9 years, in three different countries his latest posting was the Director of Retail, AIG / ALICO Egypt - Responsible for 1000 agents, 8 distribution outlets and bank assurance function. Throughout his career Muhannad, has a proven track record in start-up and business growth environments, delivering outstanding strategic growth, spearheading change, business results and enhanced profi tability. He is an able negotiator and relationship-builder with the ability to infl uence opinion formers and decision makers. Muhannad is highly-focused on quality standards and service deliveries, as well as being skilled in corporate communications, PR and media relations. Muhannad holds a Master degree in Business Administration, a BS in Computer science from Lincoln University, CA.

Mufaddal Idris Khumri | RAKBANKHead, Islamic BankingMufaddal currently works for RAKBANK and is setting up their Islamic Banking Business. Earlier he was Head of Islamic Banking for ADCB. Mufaddal started his banking career in 1997 with ICICI Bank in India and was with them till 2004. He was a part of the Middle East team which set up operations in GCC for ICICI Bank. In

2004 he joined ADCB. He was instrumental in setting up ADCB Meethaq, the Islamic Banking Division of Abu Dhabi Commercial Bank. During his career he has worked in Branch Banking, Retail Banking, Islamic Banking, Investments, Cross Border Remittances, core banking system implementation and International Banking. He has a proven track record in a managerial role in leading a team of professionals in a multi-cultural environment. He has signifi cant experience in strategic planning and execution, leadership of cross-functional teams in matrix organization structures and management of external service providers and strategic alliances.

Muhammed Ikram Thowfeek | MIT Global | Founder & MD Thowfeek, a Chartered Accountant by profession and an Islamic Banker by practice. To date, he has gained a wealth of knowledge and experience over the last two decades, through his diverse positions held in various organizations*, in auditing, management consultancy, fi nancial control, strategic planning & budgeting,

Islamic banking & fi nance, retail, commercial and investment banking, Islamic capital and global Sukuk (Islamic Bonds) markets, training and career development etc., He is a ‘start up specialist’ and have set up number of Islamic Financial Institutions (IFIs) in the region, both fully fl edged Islamic Banks and Independent branches of conventional banks, from scratch. He is an Associate Member of the Institute of Chartered Accountants (ACA) - Sri Lanka, a Fellow of the Chartered Institute of Management Accountants (FCMA) & a Chartered Global Management Accountant (CGMA) - UK, a Member of the Institute of Financial Consultants (MIFC) - USA, a Member of the Chartered Institute of Securities and Investments (CISI) – UK and a Certifi ed Islamic Banker (CeIB).

• Barwa Bank – Qatar• Commercial Bank (ALSAFA Islamic Banking) – Qatar• First Finance Company – Qatar• Abu Dhabi Islamic Bank – UAE• MIT Global - UAE • International Islamic Financial Market (IIFM) – Bahrain• First Islamic Investment Bank – Bahrain • Kuwait Finance House – Kuwait• ILEGACY Group – Kuwait, KSA, UAE • First Global Group – Sri Lanka• Ernst & Young – Sri Lanka

Omar Shaikh | Islamic Finance Council UKExecutive Board Member Omar is a Charted Accountant by profession and has spent nearly 15yrs in assurance and advisory with specialist Islamic fi nance experience. His background includes working with Ernst & Young UK where he was recognised as the fi rms’ Subject Matter Expert for Islamic fi nance and successfully lead the build out of the

UK Islamic fi nancial services across multiple sector teams. In addition he has worked with the EY UK Private Equity team providing fi nancial due diligence and the multi-award winning EY Islamic Financial Services Group in Bahrain where he was involved in the conversion of existing conventional banks into Islamic fi nancial institutions. Omar has been actively involved in Government policy advisory both for UK and other international Governments and is an Executive Board Member of the Islamic Finance Council, UK (‘IFC’), a not-for-profi t body. Omar currently holds select Islamic fi nance related Board Advisory roles for private sector institutions, including Gulf based private equity investment manager RHT Partners.

Ghiath Halabi | VeriPark | Engagement DirectorGhiath is the engagement Director for Veripark . With 19 years’ of experience in CRM and banking channels, Ghiath has worldwide experience in many CRM implementations in Canada, USA, Europe and Middle East. His expertise includes building CRM systems for contact centers, branches and sales organizations of banks.



SPEAKER BIOS

Prasanna Seshachellam | Dubai Financial Services Authority | Director, Supervision Prasanna Seshachellam leads the team responsible for the prudential supervision of a number of Authorised Firms, with primary focus on Firms operating in banking and insurance sector. Prasanna also plays a leading role in many of the critical projects aimed to enhance the supervision framework of the DFSA. Prasanna has

over twenty years of experience in the fi nancial services sector which includes ten years of regulatory experience. Prior to his current role at the DFSA, Prasanna was with Offi ce of Superintendant of Financial Institutions Canada (OSFI Canada) as a Senior Supervisor overseeing a portfolio of banks and other lending institutions. Before entering the regulatory world, he worked in many segments of the fi nancial services industry including investment banking, equity research, asset management, corporate credit, credit rating, risk management, fund administration and trade operations for ETFs. Prasanna has worked with Barclays Global Investors Canada Limited and with ICRA Limited, the second largest rating agency in India and an affi liate of Moody’s Investors Service. Prasanna has a Bachelor of Technology Degree from Anna University, India and a Masters in Management from Indian Institute of Management, Bangalore. Prasanna is a CFA charter holder and also holds the FRM designation awarded by the Global Association of Risk Professionals, New York.

Ravi Khanna | Sharjah Islamic BankChief Information Offi cerRavi Khanna has more than 26 years of experience in Information Technology and has worked with banks in Oman and India for more than 20 years. He has taken over the role of EVP, Chief Information Offi cer with Sharjah Islamic Bank from February 2012 after working for around 16 years with a leading bank in Oman as

Assistant General Manager & Head of IT where he led the transformation program of Bank Dhofar by introducing self-service channels like Internet Banking, Contact center, ATMs, Smart deposit systems followed by migration to new Core Banking system leading Business and Technology teams. Ravi holds a Bachelor in Electrical Engineering with distinction.

Dr. Rifki Ismal | Bank IndonesiaAssistant Director Department of Islamic Banking Rifki Ismal was born in Bogor (West Java – Indonesia) and earned bachelor degree in economics from Faculty of Economics, University of Indonesia (FEUI). In 2002, he graduated from University of Michigan, ann arbor (USA) for his master degree in applied economics and fi nally got a PhD in Islamic economics and Finance from

Durham University (England). Finally, he was awarded an Associate Professor in Islamic Banking and Finance from Australian Government (Australian Center for Islamic Financial Studies) in 2012. Besides working as a senior bank researcher at Bank Indonesia (central bank of Indonesia), since 1997 he has been lecturing at FEUI especially in its graduate school of management (MMUI), graduate school of accounting (MAKSI) and the undergraduate program. While actively doing economic and banking research projects and giving lectures, he has ever been a visiting researcher at Bank for International Settlements (BIS) – Hongkong in 2006, and a lecturer at MSc Islamic fi nance program of the Strasbourg University (France) in 2009. Recently, he is part of the IFSB (Islamic fi nance service board) working groups in Kuala Lumpur. Moreover, besides writing articles in various newspapers in Indonesia such as Republika, Harian Neraca, Jakarta post and Bisnis Indonesia, he has published academic research papers in various International journals such as: (1) Review of Islamic Economics (England); (2) Journal of Islamic Banking and Finance (Pakistan); (3) Journal of Islamic Economics, Banking and Finance (Bangladesh); (4) IQTISAD International Journal of Islamic Economics (Indonesia – Malaysia); (5) International Journal of Management Research (India and University of Philadelphia, USA); (6) ISRA International Journal of Islamic Finance (Malaysia); (7) Gadjah Mada International Journal of Business (Indonesia); (8) Kyoto Bulletin of Islamic Studies (Kyoto University, Japan); (9) Al-Liqa Journal (Palestine) and; some Emerald Journal Series (England) such as: (10) Humanomics International Journal of system and ethic; (11) International Journal of Islam and Middle Eastern Finance; (12) Journal of Studies in Economics and Finance and; (13) International Journal of Qualitative Research. Moreover, as an active researcher, he is also an editor of: (1) the International Journal of Islam and Middle Eastern Finance (Emerald journal series – England), (2) the International Journal of Art Sciences and Commerce, the Research worlds (India) and, (3) the Australian Journal Islamic Banking and Finance (Australia). In social activities, he is head of the department of Islamic banking of the Indonesian Islamic Economics Expert (IAEI), a deputy head of the department of risk management of the Indonesian Risk Professional Association (IRPA) and, member of the monetary and fi scal committee (Islamic Economic Society / MES) besides a former chairman of MES – United Kingdom and a former chairman of the Indonesia Islamic Society (pengajian) in Michigan (USA) in 2002-2003. Lastly, Dr. Ismal is an active speaker in international conferences and seminars on Islamic banking and fi nance such as the ones organized by: (1) London School of Economics, (2) Edinburgh University, (3) Leicester University, (4) Durham University, (5) Islamic Development Bank (IDB), (6) UNCTAD (United Nations), Hong Kong Monetary Authority (HKMA), and (7) University of Robert Schuman (France).

Stephen Lange Ranzini | University BankPresident & CEO Stephen Lange Ranzini is President & CEO of University Bank in Ann Arbor, Michigan which has $10.6 billion in assets under management. He played the leading role in the acquisition of the Bank in 1988 when he became the nation’s youngest bank holding company President at age 23, a position he has held since.

Among his accomplishments at University Bank, he is the Founder, Chairman, President & CEO

of University Islamic Financial, the fi rst banking subsidiary of a U.S. bank run entirely on Sharia principles which manages $200 million. University Bank was selected as “Community Bankers of the Year“ in 2006 by American Banker magazine, as “Community Bankers of the Year” in 2009 by the American Bankers Association, as one of the most profi table banks in the U.S. based on return on shareholders equity by American Banker magazine for the period 2005-2010, and as the second fastest growing business of any type in the Greater Detroit Region by Crain’s Detroit Business in 2009. A magna cum laude graduate of Phillips Exeter Academy, Stephen graduated from Yale on scholarship and has served as both the President of the Yale Alumni Association of Michigan and as a Delegate to the Yale Assembly.

Ms Subitha Bhanu Mohd Hussan | Al Rajhi Bank MalaysiaVice President, Head of Product Development-RetailSubith Bhanu has more than 15 years product development experience in Islamic banking products and service. Since joining Bank Islam Malaysia Berhad in 1992, she has been engaged in product development and management, formulation of policies, setting up of infrastructure and providing of trainings in different organisations and under different capacities. Currently she is the Head of Product Development-Retail since 2010 for Al Rajhi Bank Malaysia. She holds B Sc (Hons) in Mathematics from University of Malaya (Malaysia).

Syed Haider Mehdi | Management ExcellencePresident and CEOHaider is the President and CEO of Management Excellence; a UAE based transformational sales and service change specialist consultancy, working in the Retail Banking Sector. He has also worked and consulted in organizations across a wide range of industries in areas of Business strategy, Marketing, Sales, Customer

Services and Human Resources, specifi cally skills development and training. Specialist focus in Sales and Service Cultural change in RETAIL BANKING. Haider has worked as Head of Strategic Change Management at Mashreq, the largest private UAE bank and lead several very highly successful change programs for the organization. Haider believes that organisations have become fortresses, where leadership has surrounded themselves with unmanageable amount of data and information, far removed from the actual action in the fi eld and an understanding how an organization really fulfi ls its sales and service experience with the Customers. He has clarion call to all leaders from CEO’s down to get back to basics and understand what people are saying and doing at the front end when engaging with Customers, as that is where the battles are won and lost and how their sales and service processes are being fulfi lled. Haider is an MBA from Boston University.

Tamás Erni | LOXON Solutions Ltd | Managing PartnerTamas Erni is partner in LOXON solutions Ltd. He has graduated from fi nance on the Budapest University of Economic Sciences. He started his career by Raiffeisen Bank Hungary in 1999. Later he worked for Ecostat Institute at the Hungarian Statistical Offi ce in developing macroeconomic forecasting models. He has moved to LOXON in 2001 and became responsible to build up the business consulting team of LOXON and manage several projects in transforming bank’s lending operations and risk management procedures (collateral management, rating/scoring, lending systems and Basel II preparation projects. throughout the EMEA region), contributing to LOXON becoming the market leader in the CEE region’s risk management and lending software market. Tamas has collected a wide range of experience in several markets in a number of countries working as principal consultant on several occasions. Based on this experience he was nominated to the position of partner in 2005 and is responsible for leading the sales and business development team of LOXON with special attention to developing LOXON’s operation in the Middle East and Africa regions from the regional HO in Dubai.

Wasim Saifi | Standard Chartered SaadiqGlobal Head, Consumer BankingWasim Saifi rejoined Standard Chartered Bank in Jan 2011 as Global Head of Islamic Banking for Consumer Banking, based in Singapore. In this role Wasim has responsibility for managing the growth of our Islamic Consumer Banking business in key markets of South East Asia, South Asia and the Middle East. Wasim had

previously worked for 17 years at Standard Chartered in numerous roles in Mumbai, Dubai and Colombo, the most recent being Chief Executive for Sri Lanka. In the period 2003 to 2010, Wasim worked at Dubai Islamic Bank Group, initially as Head of Corporate Banking, then as Head of Retail and Business Banking, and subsequently as Chief Executive for Tamweel Pjsc, the largest Islamic home fi nance company in UAE and an associate of Dubai Islamic Bank. This experience has given Wasim signifi cant understanding and experience of Islamic banking. Wasim was born and brought up in Mumbai, India, and holds an MBA from Rutgers University in the US. He is married, and has two children

Yusuf Jehangir | Al Rajhi Bank | Group Head of Marketing and Customer Service Yusuf Jehangir is currently Group Head of Marketing for Al Rajhi Bank, a leading Sharia compliant bank based in KSA. Yusuf started his career in brand management with Unilever before moving into fi nancial services where he spent 8 years working for American Express in various International marketing and product development roles. After a stint with General Electric Yusuf moved to KSA where for the last 5 years he has been leading marketing, corporate communications and customer services for Al Rajhi Bank..



SPONSORS OF 4TH WIRBC

GOLD SPONSOR | Dubai Islamic BankDubai Islamic Bank (DIB), established in 1975, is the fi rst Islamic bank to have incorporated the principles of Islam in all its practices and is the largest Islamic bank in the UAE. DIB is a public joint stock company, and its shares are listed on the Dubai Financial Market. The bank enjoys a reputation as a leader and innovator in

maintaining the quality, fl exibility and accessibility of its products and services. The bank currently operates 75 branches in the UAE. DIB has been proactive in creating partnerships and alliances at both the local and international level. The bank has established DIB Pakistan Limited, a wholly owned subsidiary which has a network of 75 branches across 30 major cities in Pakistan. DIB has also started operations in Jordan, with the establishment of Jordan Dubai Islamic Bank. DIB has earned the respect of its peers around the world for many years, and its leading position has been reaffi rmed by the 92 local, regional and international accolades that it has won between 2008 and 2012. DIB has won awards across diversifi ed areas, including retail, corporate and investment banking, as well as CSR and consultancy services. The bank’s most recent awards include being named „Best Islamic Bank, UAE“ by World Finance magazine, “Best Islamic Bank” in the region by Banker Middle East, and being named among The Banker’s “Deals of the Year for 2012.”

GOLD SPONSOR | ITS(ITS Group) has been the leading ICT solutions provider for Islamic banks and Islamic fi nance organizations for over two decades, and is a member of AAOIFI and IFX. The ITS Universal Islamic Banking solution is Shariah compliant, and specifi cally designed to fulfi ll the needs of the Islamic banking and fi nance sector. ITS‘s

Universal Islamic Banking solution is based on the fi rst „Islamic Instrument Defi nition Engine“ which allows Financial organizations to create their own Shariah compliant products, workfl ow, and processes. In addition, it is based on Service Oriented Architecture & is adopting IFX Massaging Protocol. The ITS Universal Islamic banking solutions cover Consumer Financing, Trade Finance, Retail Islamic Banking, Ejarah Card Product, Treasury/Investment, Internet Banking, Risk Management with BASEL II Compliance, and Banking Delivery Channels. ITS has a keen understanding of what its customers really need from an ICT partner; in short, to enable technology utilization in order to allow your business to grow. ITS implements cutting edge solutions for numerous valued clients in the Middle East, North African and East Asian regions, through our resource pool of over 2400 skilled IT professionals based in 24 offi ces worldwide. For more information, please visit: www.its.ws

GOLD SPONSOR | Loxon Solutions Ltd.Loxon Solutions Ltd. (Loxon) – founded in 2000 - is a risk management software company offering integrated lending and risk management software solutions for covering the entire lifecycle of the lending products for the fi nancial services industry. The company is based in Hungary and it is present in CEE, CIS and MEA countries with

several subsidiaries. The core value of Loxon is the strong capability of business and technology innovation in the fi eld of lending, collateral management, rating/scoring, collection and portfolio based risk management including Basel II calculations, keeping the company continuously a step forward of competitors. Understanding banking business and risks gives the unique capabilities of Loxon among software vendors and enables Loxon to offer market leading solutions.

PREMIUM SILVER SPONSOR | VeriParkVeriPark is an 11 years old software house specialized in providing software solutions to fi nancial institutions. Based in Dubai and Istanbul, with a team size of 103, the company offers:

• Internet banking, call center, kiosk, branch teller and mobile banking applications • CRM implementations for banks: Single view of customer, complaint management, new

customer enrolment, sales lead capturing• Loan origination for personal, credit card, auto and home fi nancing.

VeriPark is a Gold Partner for Microsoft Dynamics CRM and delivers solutions to Dubai Bank, Central Bank of Jordan and Dubai Islamic Bank

SILVER SPONSOR | Mashreq Al IslamiMashreq Al Islami is the Islamic Banking arm of Mashreq (Mashreq Al Islami Finance Company PJSC and Islamic Banking Division of Mashreqbank PSC) and offers a high standard of Shari’ah Compliant products and services. It aims to provide progressive, friendly, transparent and modern Shariah compliant banking solutions. At

Mashreq Al Islami, it is the vision, leadership and a single minded devotion to clear goals which sets it apart. An organizational culture is built based around fundamental values which has developed a common Vision, Mission and Goals. It is the determination and commitment to an unrelenting pursuit of our mission and goals - a commitment to excellence and building enduring relationships - that has enabled Mashreq Al Islami to succeed. For ease of use and access, Mashreq Al Islami products and services are available at all Mashreq branches, offering wider reach across the UAE to serve all those customers who prefer Shari’ah compliant products and services. Through its Corporate Relationship Managers, Mashreq Al Islami provides a full range of products and services from a complex structured fi nance deal to a standardized trade fi nance facility or working capital fi nance. As per its Shari’ah Supervisory Board requirements, Mashreq sales and relationship teams “Sell Islamic First” and are equipped with full knowledge of the Islamic products and services through Shari’ah Certifi cation. The management work closely with our Shari’ah Supervisory Board, in-house Shari’ah Governance and Compliance Department and external auditors to ensure all the transactions are carried out in strict compliance with Islamic fi nancial principles. Mashreq Al Islami’s efforts have been recognized by the Islamic banking industry as evidenced by it winning back-to-back awards such as “Best Islamic Window” two years in a row at the Annual Islamic Business & Finance Awards 2010 and 2011 respectively. This also includes Best Islamic Window at Banker Middle East Industry Awards, 2011. Mashreq Al Islami Sukuk Fund is best performing Islamic fi xed income fund which has also received “Best Islamic Product” awards in 2011 and 2012.

TECHNOLOGY PARTNER | Path SolutionsPath Solutions is a global technology services fi rm headquartered in Kuwait. The company provides end-to-end innovative software solutions for the Islamic banking and fi nancial services industry segment. Path Solutions’ fl agship product, iMAL is built on open architecture, offers low cost of ownership and uses established standards such

as HTTP/S and XML. It is also available as a Model Bank implementation, with best practice processes built-in. Path Solutions sharply focus on building quality and excellence in its product development, delivery, deployment, training and support processes. The company has nearly two decades of experience in combining knowledge of banking markets worldwide with deep expertise of how technology is best applied in rapidly changing, highly demanding large-scale environments. Learn more about Path Solutions: www.path-solutions.com

TAKAFUL PARTNER | Dar Al Takaful PJSCDar Al Takaful PJSC was established in 2008 with a paid up capital of AED 100 Million, as an Islamic Insurance Company based in Dubai providing Shariah compliant solutions. It is a local insurance company which is innovative, professional & principled. It provides the complete suite of general insurance products like

Marine, Fire, Engineering, Motor, Medical, Home, etc. Their recently launched Terhal -Travel insurance product was highly acclaimed and well received by the travel fraternity. Mawarid Finance, an AED 1bn capitalized Islamic Finance Company, is the promoter and major shareholder and the Dar Al Takaful is listed in Dubai Financial Market.

On the board are prominent UAE businessmen like Mr. Abdul Aziz Al Bannai (Chairman), Mr. Abdullah Al Naboodah (Vice Chairman), Mr. Saleh Al Hashimi ( Managing Director), Mr. Ali Humaid Al Owais (Director), Mr. Salah Ibrahim Sharaf (Director), Mr. Yaqub Al Serkal (Director) and Mr. Osama Siddiqui (Director).

As an Islamic insurance company all the activities and operations are Shariah-compliant and this aspect is overseen by a distinguished Fatwa and Shariah Supervisory Board.



SPONSORS OF 4TH WIRBC

ISLAMIC SOLUTION PARTNER | SABSAB, headquartered in France, has live systems in over 150 fi nancial institutions operating in 25 countries. Founded in 1989, SAB provides a modular and yet fully integrated core banking solution that empowers banks with a single, real-time view of the client across the enterprise. SAB

targets: Universal Commercial wholesale and Retail banks, Private banking institutions, Financing & Investment companies and Islamic fi nancial institutions. SAB provides complete implementation and support services to its clients during and after implementation and works as a committed partner in providing a success edge through technology, to its clients. SAB provides also Business Process Outsourcing, Facilities Management and SaaS. For more information, please visit www.sab2i.com

CONFERENCE LUNCH, BADGE, LANYARD SPONSOR | World Security

“World Security evolved from the security division of the Ports, Customs and Free Zone Corporation (PCFC), which was established in 1975. Entrusted with securing the ports and free zones of Dubai, World Security is best known for its manned guarding services with over 2,700 guards deployed across 140 locations in the UAE. World

Security is also at the forefront of the Cash and Valuables in Transit industry in the UAE. Its DPS and PSBD certifi ed personnel, fl eet of armoured vehicles, tamper-proof packaging and audit trails are rigorously monitored and inspected to meet the highest industry standards. In addition, World Security’s Engineering Security Solutions division provides security and surveillance equipment as well as installation, maintenance and technical support for integrated security solutions ranging from simple video surveillance equipment to operating the second largest Command and Control Centre (CCC) in the emirate of Dubai.

TAKAFUL PARTNER | Dar Al Takaful PJSCDar Al Takaful PJSC was established in 2008 with a paid up capital of AED 100 Million, as an Islamic Insurance Company based in Dubai providing Shariah compliant solutions. It is a local insurance company which is innovative, professional & principled. It provides the complete suite of general insurance products like

Marine, Fire, Engineering, Motor, Medical, Home, etc. Their recently launched Terhal -Travel insurance product was highly acclaimed and well received by the travel fraternity. Mawarid Finance, an AED 1bn capitalized Islamic Finance Company, is the promoter and major shareholder and the Dar Al Takaful is listed in Dubai Financial Market. On the board are prominent UAE businessmen like Mr. Abdul Aziz Al Bannai (Chairman), Mr. Abdullah Al Naboodah (Vice Chairman), Mr. Saleh Al Hashimi ( Managing Director), Mr. Ali Humaid Al Owais (Director), Mr. Salah Ibrahim Sharaf (Director), Mr. Yaqub Al Serkal (Director) and Mr. Osama Siddiqui (Director). As an Islamic insurance company all the activities and operations are Shariah-compliant and this aspect is overseen by a distinguished Fatwa and Shariah Supervisory Board.

NETWORKING HOST DAY 1 | Nucleus SoftwareNucleus Software is a leading software powerhouse providing innovative solutions for Banks and Financial organizations globally. Offerings include IT solutions for retail and corporate banking, lending, cash management and risk analytics. Their fl agship product, FinnOne™, ranked the ‚World‘s Number 1

Selling Lending Software Product’ in 2012 by IBS Publishing for the fourth consecutive year, provides operational support, risk management and decision-making support to BFSI companies. FinnOne™ Islamic is a system designed for Islamic Financing with function-specifi c modules managing the entire life cycle of a fi nance transaction right from product defi nition, work fl ow management, documentation, profi t accruals and accounting.

NETWORKING HOST DAY 2 | Craft Solution: Craft Silicon is a global fi nancial software solutions company with offi ces in the US,Kenya, Tanzania and Nigeria and a development center in Bangalore. It specializes in offering Banking & Financial Solutions all over the world. Our core Banking Solution Banker Realm focuses on delivering a “Global Enterprise Banking Solution”

covering not only core banking areas such as Retail , Trade Finance , Forex and other

Businesses, Multiple Delivery Channels, Treasury, Back Offi ce and GL, but also critical non-banking applications such HR/Payroll , digitized cheque clearing and Central bank reporting amongst others.

BR Islamic: Islamic banking is the fastest growing market worldwide. It is an alternative model of banking under the guidelines of shari‘a laws. Islamic fi nancing system is growing very fast in the fi nancial world Islamic Financial system operates in over 75 countries. The total assets of Islamic Banking near about 300 Billion USD and it growing at over 15% during the next fi ve years Our Islamic retail banking software solution is now implemented in banks in Somalia, Sudan and we are looking to expand to the Middle-East and Far-East. Dedicated Solutions Groups also focuses on delivering solutions in the area of Islamic banking, Mobile payments solutions and delivery livery channels such as ATM & POS management, recon & settlement, Tele banking and Internet banking Solutions. Our software development processes use Software Methodologies which ensures that the updates and features enhancements are deployed seamlessly to the customers and they get excellent value for their technology investments made with us.

Summary: Our 225 strong professional’s team is planned to grow to 500 over the next two years. Our operations extend through wholly owned subsidiaries in India & the US. We operate in most countries thru’ strong local partners. We continue to grow at over 60% (annualized) which is much higher than the global industry average. Our vision is to be a valued partner of our banking customers and give them a competitive edge by offering unique software solutions, which they can leverage to offer differentiating products and services. A substantial portion of our revenues goes toward product development and enhancements which we offer our customers as a part of routine upgrades.

EXCLUSIVE KNOWLEDGE PARTNER |

First Global Group (FGG), a diversifi ed multi-disciplined institution engaged in providing Shari’ah compliant products & services ranging from investments, fi nancing (SME & Micro fi nance), ICT, education, training & advisory, headquartered in Sri Lanka since March 1999. FGG have pioneered a number of

‘fi rst of its kind’ initiatives in the Islamic banking & fi nance (IB&F) industry and growing into a global business company building strategic alliances in UAE, Qatar, Kuwait, India, Maldives, Bangladesh, Pakistan, Mauritius, Oman, Malaysia, Indonesia etc.

MIT Global is the UAE based Islamic fi nance consultancy and advisory fi rm that brings in specialists experience and exposure gained over more than two decades, whilst practically involved in setting up Islamic banks and fi nancial institutions from scratch, to those business owners who need support in their business propositions to enter the multi-trillion dollar IB&F industry.

First Global Academy (Formerly ‘First Global Knowledge Centre - FGKC) is the pioneer institution in Sri Lanka to promote training and career development programs in the fi eld of Islamic Banking, Finance and Takaful. FGKC was the only educational institution which has been recognized as “Education First” in the fi rst ever Islamic Finance country report 2011 by KPMG – Sri Lanka and recently covered in the Global Islamic Finance Forum – GIFF2012 as an institution that ‘Develops Talents’ to the Islamic fi nance industry.



4th annual world islamic retail banking conference

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