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CONFIRMED SPEAKERS & PANELISTS

15 – 17 April 2013, Habtoor Grand Beach Resort & Spa, Dubai – United Arab Emirates

Synergizing Retail into Retail Banking Synergizing Retail into Retail Banking 8th Annual Middle East Retail Banking Forum

Suvo Sarkar, Emirates NBD PJSCGeneral Manager – Retail Banking

George Beatty, National Bank of Abu DhabiGeneral Manager, Consumer & Elite Banking

Ajay Makhija, SAMBA Financial GroupGroup Head – Global Consumer Bank

Suresh Bajpai, Doha BankHead of Retail Banking

Dinesh Sharma, Citibank NAHead of Consumer Bank – MENA Region

Sanjay Malhotra, National Bank of KuwaitHead of Retail Banking: Middle East & North Africa

Harshdeep Singh Munjal, National Bank of OmanGeneral Manager – Retail, Private & Overseas Banking Group

Abdul Rahman Turki, Bahrain Islamic BankGeneral Manager, Retail Banking

Gary Mond, Al Khalij Commercial Bank (al khaliji) QSCHead of Consumer Banking

Axel Hofmann, Bank of Bahrain & KuwaitHead of Retail Banking

D Anand, Qatar Islamic BankGeneral Manager, Personal Banking

David Power, Commercial Bank International PSCHead of Retail Banking Group

Ziad Fatayer, Jordan Commercial BankAssistant General Manager: Retail Banking Group Head

R. Narasimhan, Bank Sohar SAOGDeputy General Manager – Head of Retail Banking Division

Khawaja M. Almas, Allied Bank LimitedGroup Chief, Commercial and Retail Banking Group

Richard Fraser, FIS GlobalGeneral Manager of Retail Banking: FIS EMEA

Marwan Arakji, Bank Audi SAL – Audi Saradar GroupDeputy Head of Group Retail Banking

Sundar Parthasarathy, Abu Dhabi Commercial BankExecutive Vice President – Head of Consumer Assets

Rana Zeeshan Saleem, Emirates NBD PJSCHead of Assets and KSA Retail Banking – Retail Banking Group

Amitava Mandal, Wipro LimitedPractice Manager – BFSI

Shekhar Krishnamurthy, Emirates NBD PJSCHead of Liabilities & Wealth Management: Retail Banking

Burak Ali Gocer, Garanti BankCoordinator – Retail Banking

Ghanashyama Mahanty, Citibank NASenior Vice President – Head of Marketing Analytics and Insights: Europe, Middle East and Africa

Raman Muralidharan, HSBC Bank Middle East LimitedRegional Head of Customer Value Management: Retail Banking & Wealth Management – Middle East & North Africa

Jelmer de Jong, BackbaseGlobal Head of Marketing

Dean Young, SunGardVice President, Product Management, Ambit Retail Banking

Praveen Bandekar, Union National BankHead of Retail Product Division

Mamoun Alhomssey, Abu Dhabi Islamic Bank (ADIB)Executive Vice President | Head of ITD

Hari Baskaran, Axslogic Pte LtdFounder CEO

Vivek Agarwal, Dun & Bradstreet (D&B)Senior Vice President and Head of Banking Solutions

Hussain Mazhar, Gulf International BankSenior Vice President and Head of Customer Solutions

Tariq Razi, Dubai Islamic BankVice President and Head of Asset Products: Consumer Banking Group

Ghiath Halabi, VeriParkEngagement Director

Simanta Das, Mashreq PSCHead of Liabilities: Retail Banking Group

Daniel Melo, FICOSenior Director – Pre Sales Consulting

Raffy A. Karamanian, Bank Audi SAL – Audi Saradar GroupHead of Delivery Channel – Group Retail Banking

Girish Advani, First Gulf BankSenior Vice President – Cards Business Head

Redha Al Lawatia, Bank Sohar SAOGHead of Business Development and Liabilities: Retail Banking

Stephen Foster, du | Emirates Integrated Telecommunications Company PJSCDirector: Financial Services - Commercial

Mahendran Subramaniyan, Polaris Financial Technology LtdSenior Vice President – Head of Customer Business Exchange Platform

Atanu Ganguli, Polaris Financial Technology LtdSenior Vice President – MEA & Turkey

Margaritis Manos, EXUSDeputy CEO

Peter B. Schultz, MasterCard WorldwideVice President, Mobile Payments: Middle East and North Africa

Rémi De Fouchier, GemaltoVice President, Marketing & Communication: Telecommunication Division

Naji Moukadam, SABManaging Director – SAB International

Jiri Jaros, Adastra Business Consulting (ABC)Partner

Jiri Zivnustka, Adastra Business Consulting (ABC)Partner

Mujtaba Naqvi, HBL (Habib Bank)General Manager: Retail Business Planning & Development

Mohamed Roushdy, Bank NizwaChief Information Offi cer

Huseyin Deniz, Istanbul Gold Refi neryGold Banking Business Development Manager

Elvino Krizmanic, InfobipHead of Global Enterprise Sales

Pieter Sleeboom, Cobone.comChief Operations Offi cer

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Booking Line: + 971 4 6091564, fax: + 971 4 6091589

email: fahd.ali@fl eminggulf.com, www.fl eminggulf.com

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ATTENDANCE PROFILE

Chief Executive Offi cer 5%

Chief Operating Offi cer 4%

Group Head of Retail Banking 23%

Head of Consumer Financial Services 12%

Head of Branch Banking 10%

Head of Retail Distribution 8%

Head of Consumer Assets 7%

Head of Retail Liabilities 7%

Head of Wealth Management 2%

Head of Retail Products 7%

Head of Customer Service Quality & Experience 3%

Head of Alternate Delivery Channels 4%

Senior Consultants 8%

GEOGRAPHICAL PROFILE

UAE 29%

Qatar 9%

Oman 8%

Saudi Arabia 20%

Bahrain 6%

Kuwait 5%

Egypt 4%

Lebanon 3%

Jordan 3%

Pakistan 5%

Sub-Saharan Africa 6%

Others 2%

FIND YOUR REASONS TO ATTEND HOT SPOTSGURU Panel Exploring New Avenues for

Retail Business GrowthPanel Discussion Leveraging in the Online

Shopping Business to Boost Consumer Financial Services

Panel Discussion The Customer Channel

Exploring what retail banking has to offer in the New Generation

Experiencing how retailers sell more and serve better their clients as compared to retail bankers

Improvising an adequate sales strategy to increase volumes and reduce cost

Expanding your retail distribution and electronic network

Capitalizing on serving micro customers with better consumer fi nancial product and services

Venturing into new business areas to capitalize on growth avenues

Embed a cultural change within your retail banking environment

Learning from the region and the best in the world on how retail banking can be done better

WHO MUST ATTENDPresident, CEO, COO, CMO, Chief Offi cer, Senior Vice President, Group Heads, Directors, Managing Executive, Senior Executive, General Manager, Senior Manager, Global Head, Head of:

Retail Banking, Personal Banking, Consumer Banking, Individual Banking, Branch Banking, Priority Banking, International Retail Banking, Remote Banking, Islamic Retail Banking, Islamic Banking, Business Banking, Direct Banking, Electronic Banking, Personal Financial Services, Wealth Management, Private Clients, Consumer Finance, Consumer Lending, Consumer Credit, Retail Assets, Retail Liabilities, Retail Loans, Secured Lending, Unsecured Lending, Branch Sales, Branch Management, Delivery Channels, Retail Distribution, Alternate Channels, Product Development, Retail Product Risk, Affl uent, SME, Retail Strategy, Retail Marketing, Personal Finance, Personal Loans, Cards, Retail Customer Management, Customer Experience, Business Development and Retail Operations.

Booking Line: + 971 4 6091564, fax: + 971 4 6091589


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8:00 Registration and Coffee

8:50 Welcome Note from Fleming Gulf

9:00 CHAIRMAN OPENING REMARKS Suvo Sarkar, Emirates NBD PJSCGeneral Manager – Retail Banking

9:10 KEYNOTE Middle East Retail Banking Outlook – The Big Picture• Retailing Practices in the Middle East as opposed to Retail Banking• Emerging Trends Worldwide – What to add in our Basket?• Key Focus – Building Regulator Awareness to accept a Strategic Change in Retail

Banking• Signifi cance of Partnerships, Innovations, Technology & Customers• The Road Ahead for Middle East Retail Banking – Winning FormulaSanjay Malhotra, National Bank of KuwaitHead of Retail Banking: Middle East & North Africa

9:35 Sacrifi ce to Succeed: Increasing Sales Volumes by Lowering Profi t Margins• Building an Appetite for Reducing Margins to increase Sales• Key Elements to Consider when Reducing Margins: The Tolerance Factor• Increase the Branch Walk-in Count to Boost Sales Volumes• Effective Retail Sales Methods & Techniques• Improvising Effectiveness across Sales Channels: Branch, Call Centre and OnlinePraveen Bandekar, Union National BankHead of Retail Product Division

10:05 Morning Coffee Break and Networking

10:30 GURU Panel | Exploring New Avenues for Retail Business GrowthRetail banking is now in a phase where the conventional products are currently losing their charm based on several factors that includes people, technology, service and innovation. If we look at the people factor, credit products are now being bought cautiously where today’s customers now focus more on clearing outstanding payments and managing their spending. Where to from here for retail banking? The panel session will feature GURUs from the retail banking sector where each panelists will touch upon strategies for retail banks to implement in terms of generating revenue growth through alternate business channels.

Panel Discussion:-• Designing and Delivering New Products and Services for a variety of Customer

Base• Implementing the Prepaid Card Payments Option for Youth & Low-income Earners• Enhancing Branchless Banking Services & Penetrating Full-Fledged into Mobile

Payments• Dealing with Retail Partners and providing Value Added Products & Services

beyond the Co-Branded Credit Cards• Exploring more options into banking Secured Lending• Win-Win Marketing Strategies that derives the pull factor amongst customer from

the Locals/Nationals, Expatriates, Tourists and Investors• What more to offer to the SMEs?Featured Panelists:Dinesh Sharma, Citibank NAHead of Consumer Bank – MENA RegionD Anand, Qatar Islamic BankGeneral Manager, Personal BankingSanjay Malhotra, National Bank of KuwaitHead of Retail Banking: Middle East & North AfricaAjay Makhija, SAMBA Financial GroupGroup Head – Global Consumer BankDavid Power, Commercial Bank International PSCHead of Retail Banking GroupGeorge Beatty, National Bank of Abu DhabiGeneral Manager, Consumer & Elite BankingZiad Fatayer, Jordan Commercial BankAssistant General Manager: Retail Banking Group HeadMarwan Arakji, Bank Audi SAL – Audi Saradar GroupDeputy Head of Group Retail BankingModerated By:Suvo Sarkar, Emirates NBD PJSCGeneral Manager – Retail Banking

11:30 The Saudi Arabian Retail Banking Experience• Retailing in Saudi Arabia benchmarked against the Rest of the Middle East• High Volumes of Retail Sales in Shopping Malls and Markets – Learnings for Retail

Banks• Scope for Developing a Supreme Retail Banking Strategy to boost Economic

Growth• Key Drivers of Retailing in Saudi Arabia within the Consumer Financial Services

Sector• Tested & Applied Formula, Best Practices and what is there to Learn from the

Saudi Arabian ExperienceAjay Makhija, SAMBA Financial GroupGroup Head – Global Consumer Bank

12:00 Capitalizing Growth on Core Product Lines through an Effective Bundling Strategy• Overview of Product Lines & Retail Offerings• Identifying the right Core Products to add value to the main Product• Increasing Performance of Bank Profi tability and Sales Volumes• Measuring the Feasibility of the Bundling & Unbundling the Product• Best Practices and Lessons LearntD Anand, Qatar Islamic BankGeneral Manager, Personal Banking

12:30 Next Generation Retail Banking – Social Money• Retail Banking in the Age of Apponomics: How Social Media and Apps can change

Retail Banking• Social Money: The Operating Model• Driving new revenue and market segments using social media• Case Study and Best PracticesRichard Fraser, FIS GlobalGeneral Manager of Retail Banking: FIS EMEA

13:00 Lunch Break and Networking

14:00 Business Transformation: Changing the Retail Experience• Transforming core business processes• Making the client-focused model effectively work• Changing people mindset into doing branchless banking• Supporting the fi nancial services business by opening a retail shop – make

shopping and banking work together• Best Practices and Key Take-awaysSuresh Bajpai, Doha BankHead of Retail Banking

14:30 Multichannel Excellence in Retail Banking• Dealing with the Customer’s Channel of Choice by Enabling End to End

Transactions• Standardization and Maintaining Consistency in Customer Experience across all

Delivery Channels• Seamless Multichannel Integration:-

▪ Enable Multichannel Transactions▪ Additional Revenue enhancement through cross channel sales▪ Higher customer satisfaction due to broad channel usage


15:00 Credit Engineering – Loan Decision Making, Sustainable Growth and Credit Risk Management• Credit plays a pivotal role in Modern Day Economy• Credit is “risky” in terms of its dependency on several factors• Changes could cover major areas like Structure of Banks, Structure of Financial

Markets and convergence of major functions to a common framework of Policies and Guidelines.

• Banks need to be resilient, and prepare themselves to achieve growth, without compromising quality of Credit.

Amitava Mandal, Wipro LimitedPractice Manager – BFSI

15:30 Afternoon Coffee Break and Networking

16:00 The Innovative Direct Selling for Banking (VeriTouch DSA)The presentation will cover how DSA could close deals in one visit and demonstrate: • Fast capture personal and fi nancial information of the customer.• Offer the best terms using products calculator• Check eligibility and provide an offer.Ghiath Halabi, VeriParkEngagement Director

16:30 Redefi ning Consumer Finance Offers – Matching Innovation to Change• Profi tably matching lending propositions and risk appetite to meet regulatory and

economic challenges• Time-to-Event Modelling – Sophisticated marketing across multiple channels • Prosper in the mobile economy by driving every decision and action to successful

outcome• Customer Profi tability & Proactive Risk Management – Decision optimization to

implement decisions with great accuracy and timing Daniel Melo, FICOSenior Director – Pre Sales Consulting

17:00 Panel Discussion | Leveraging in the Online Shopping Business to Boost Consumer Financial ServicesShopping in the Middle East and around the world is set to become more sophisticated as an increasing number of international retailers sell their products online. The amount of online shopping conducted globally is set to double. Current online sales represent 5 per cent of their total, in two years they estimate this will double to 10 per cent. Some important facts to consider:-• Changing The Traditional Way: Given the growth in participation levels for Web-

based auction sites, group discount sites and fl ight and hotel bookings engines, online retailers would opt offer shoppers the chance to use online kiosks in their stores.

• The Road Ahead: Although 70 per cent of international retailers view their businesses as based in physical stores, 63 per cent say by 2014 their businesses will be fully integrated with online shopping and mobile apps.

• Technology in Online Retail: Mobile Applications or Smart phone – enabled websites to offer online retail facility within the next two years.

• Creativity in Marketing: Successful online retailers will have to become more creative in their offer in order to entice shoppers away from organized formats.

• What’s in for Consumer Financial Services: With the given growth of online shopping, what opportunities lie between building a partnership between the Online Retailer and the Retail Bank to provide customers with value add fi nancial services besides a card payment option?

Featured Panelists:Daniel Melo, FICOSenior Director – Pre Sales ConsultingPraveen Bandekar, Union National BankHead of Retail Product DivisionGary Mond, Al Khalij Commercial Bank (al khaliji) QSCHead of Consumer BankingSuresh Bajpai, Doha BankHead of Retail BankingGirish Advani, First Gulf BankSenior Vice President – Cards Business HeadPieter Sleeboom, Cobone.comChief Operations Offi cerModerated By:Suvo Sarkar, Emirates NBD PJSCGeneral Manager – Retail Banking

17:30 Closing Remarks from the Chair

17:40 End of Day 1

Speakers & Delegates are cordially invited to a

Networking Cocktail Reception

Day 1, 15th April 2013

Booking Line: + 971 4 6091564, fax: + 971 4 6091589


8:00 Registration and Morning Coffee

8:50 Welcome Note from the Chairman Gary Mond, Al Khalij Commercial Bank (al khaliji) QSCHead of Consumer Banking

9:00 Channel Diversifi cation – Adapting to Innovative Alternate Channel Services or being The FlintstonesLong live banking for good old banks. Do we have enough customers in our bank? If yes – you may skip the presentation, if no... let’s talk.• Alternate Delivery Channels are all out there. You have the branches, ATMs,

Mobile, Online, e-Banking – but are you still effectively reaching your customers?

• In comes branchless banking – going beyond what the traditional customer channels are producing

• Branchless banking in Pakistan• Supplying Value Added Products & Services that best fi ts the Branchless Banking

Model Mujtaba Naqvi, HBL (Habib Bank)General Manager: Retail Business Planning & Development

9:30 Bank 2.0: Get ready for the New Era of Engagement BankingWe live in a web 2.0 world. Your customers are used to a superior online experience, they get that with Google, Facebook and Apple, and they also expect that from their bank. In this presentation we will show you the key trends driving the new era of engagement banking. Using real world examples, we will show you Bank 2.0 best practices for both online and mobile banking. Key topics covered in this presentation:• How to create a superior online experiences without replacing your existing

systems• How to create a single online banking platform supporting your customers on

any device (PC, iPad, iPhone, Android etc.)• How to enable eBusiness professionals to easily manage your Bank 2.0 portal,

reducing IT dependencies• How to services different customer segments and individual users in a

personalized and relevant manner (my size fi ts me)• How to integrate your open and closed banking environment into a seamless

customer journey• How to generate extra online revenue with intelligent web forms and smart

cross- and up-sell campaignsJelmer de Jong, BackbaseGlobal Head of Marketing

10:00 Lessons learned from the Crisis: Adapt fast or perish• Where are the banks after the crisis?• Why is it important to be able to adapt fast?• Some principles for fast adaptionMargaritis Manos, EXUSDeputy CEO


11:00 Capitalizing on the Masses & Micro Segments to Boost Retail Experience• Mass Population Market Size• The Consumer Appetite for Financial Services• Approaches on how to Bank the Un-Banked and Effectively Delivering Financial

Services to the Poorest of the Poor• Utilizing a Strong Agency Backed Network to Reach & Deliver Customer

Solutions• Partnerships & Tie-Ups: Making the Customer’s Experience FruitfulHarshdeep Singh Munjal, National Bank of OmanGeneral Manager – Retail, Private & Overseas Banking Group

11:30 Digitalisation of the BranchThe branch of the future has a vital place in banks’ overall channel strategy. But consumer behaviour is shifting with technology at the centre of this shift and branches cannot survive in their traditional form. Digitalising the branch network to align with changing consumer and economic realities can help banks boost their staff & operational effi ciency, showcase innovation capabilities and enhance the overall customer experience.• The factors contributing to the paradigm shift in the way banks need to think

about service and engagement• The ROI of Great Customer Experience • Branch of the future – what could it look like?Dean Young, SunGardVice President, Product Management, Ambit Retail BankingJoint Presenter:Mamoun Alhomssey, Abu Dhabi Islamic Bank (ADIB)Executive Vice President | Head of ITD

12:00 Maintaining Finest Customer Experience while Reducing Cost to Serve Your Customers• Cost reduction and performance optimization as a strategic direction• Identifying key opportunities to lower the cost and increase productivity to

serve your customers better:▪ Streamlining your organization ▪ Extracting higher value from your existing capabilities & infrastructure▪ Implementing self-help online channels▪ Leveraging business process re-engineering to optimise your effi ciency and

eliminate waste▪ Outsourcing non-core processes▪ Focus your strategy on higher profi table market segments (Affl uent &

priority customer segments)• Customer Service segmentation• Develop a clearly differentiated customer segment service proposition

• Measuring Effi ciency & Productivity – understand your symptoms and measure your results

• Keys to success of a performance centric strategyAxel Hofmann, Bank of Bahrain & KuwaitHead of Retail Banking

12:30 Retail Banking Analytics• Potential Pitfalls

▪ Resources▪ Cost▪ Process

• Product Solution▪ Benefi ts of Productising▪ What to watch out for

• Early Warning & its infl uence on Portfolio ManagementHari Baskaran, Axslogic Pte LtdFounder CEO

13:00 The “NOVO” concept – a new banking experience by Bank Audi• “Novo” – Creating a New Banking Experience• Integrating Novo across multiple-channel – “The Future”• Modular structures and components in distribution channelsRaffy A. Karamanian, Bank Audi SAL – Audi Saradar GroupHead of Delivery Channel – Group Retail Banking


14:30 Panel Discussion | The Customer Channel• Customers want convenience and simplicity in doing banking• More skill sets required to entertain affl uent customers• Driving process excellence and embedding a lean culture across direct customer

channels to ensure quicker response time• Making client centricity happen effectively across new product development• Improving time-to-market of new products and servicesFeatured Panelists:Axel Hofmann, Bank of Bahrain & KuwaitHead of Retail BankingRaman Muralidharan, HSBC Bank Middle East LimitedRegional Head of Customer Value Management: Retail Banking & Wealth Management – Middle East & North AfricaAbdul Rahman Turki, Bahrain Islamic BankGeneral Manager, Retail BankingRana Zeeshan Saleem, Emirates NBD PJSCHead of Assets and KSA Retail Banking – Retail Banking GroupRichard Fraser, FIS GlobalGeneral Manager of Retail Banking: FIS EMEAAtanu Ganguli, Polaris Financial Technology LtdSenior Vice President – MEA & TurkeyAmitava Mandal, Wipro LimitedPractice Manager – BFSIModerated By:Gary Mond, Al Khalij Commercial Bank (al khaliji) QSCHead of Consumer Banking

15:00 Gold Banking Solutions• Collecting Scrap Gold• Gram Gold• ATM GoldHuseyin Deniz, Istanbul Gold Refi neryGold Banking Business Development Manager

15:30 Afternoon Coffee Break and Networking

16:00 How can banks leverage technology to better engage with their customers?• Bank customers of today have become more demanding and their expectations

have also increased and become more complex, inter-related and connected with multiple levels in the value chain.

• With advancements in technology, banks today have available technology platforms to differentiate themselves and capture more new customers while maintaining existing ones through multiple channels and end-to-end solutions.

• Banks can now engage better with smart analytics, understand better its community and service better its customers everywhere, coupled with core and supporting applications developed on these advanced technology platforms.

Naji Moukadam, SABManaging Director – SAB International

16:30 How to Do Business Better – Rethink it Differently and Outdo the competition!• Where is the “real” value of retail banking, and how to apply processes to serve

the clients effectively?• How to combine the tools you have (Selling, Services, Products, Channels) to

develop your portfolio as best as possible?• How to understand your clients’ needs and risk to maintain the optimal

performance of your organization?• How to maintain a healthy balance between risk and sales?Jiri Zivnustka, Adastra Business Consulting (ABC)Partner

17:00 The Turkish Retail Banking Model• Retail Banking Regulatory Implications in Turkey• The Culture of Turkish Clients and the Bank’s Promises• Boosting Volumes & Productivity across Alternate Channels• Competitive Edge: Product, Service & Technology Innovation• Key Learnings and Take AwaysBurak Ali Gocer, Garanti BankCoordinator – Retail Banking

17:30 Closing Remarks from the Chair and End of Day 2


Booking Line: + 971 4 6091564, fax: + 971 4 6091589


Robin Joe | Director – Business Developmentrobin.joe@fl eminggulf.com

Fahd Ali Akmal | Conference Production Specialistfahd.ali@fl eminggulf.com

8:00 Registration and Morning Coffee

8:50 Welcome Note from the Chairman Hari Baskaran, Axslogic Pte LtdFounder CEO

9:00 Leveraging Alternate Channels to Maximize the Liabilities BusinessNon-F2F channels are fast emerging in the region as a strong source of new liabilities business as well as providing cost effective platforms to service existing customers.• Deepening of customer wallets• New customer acquisition• Ongoing customer service• Channel pricing• Segmented offerings• Innovation

Shekhar Krishnamurthy, Emirates NBD PJSCHead of Liabilities & Wealth Management: Retail Banking

9:30 Redefi ning Retail Banking Analytics• Conventional wisdom no longer works• Know your customer’s worth• Next-best opportunity and action• Getting the time right and straight through fulfi lment is key• Re-design your business process

Ghanashyama Mahanty, Citibank NASenior Vice President – Head of Marketing Analytics and Insights: Europe, Middle East and Africa

10:00 Banking on ChannelsRetail banking is moving closer and closer to the consumers and with an ever increasing dominance of devices, Banks can no longer afford to create solutions for ‚a channel‘. Solutions will be driven, among others, by proximity. The monolithic architecture monster has moved from core services space to content consumption space, always dampening the reach of the new services the banks want to offer to their wide variety of emerging customer segments. The session will focus on how banks can and should ‚bank‘ on channels for a rapid growth as well as protection of IT investments.Mahendran Subramaniyan, Polaris Financial Technology LtdSenior Vice President – Head of Customer Business Exchange Platform


11:00 Maximizing Business Growth: Through Applying Micro-Market Strategy and Smarter Sales Tactics• Cascading goals to employees improve engagement and performance• Using market research and customers insight in identifying new growth plays • Developing sales culture among staff to increase productivity• Structuring different incentive programs to motivates laggards and stars • Localization of sales force and business challenges in cosmopolitan societies • Best practices and lessons learnt from Omani ExperienceR. Narasimhan, Bank Sohar SAOGDeputy General Manager – Head of Retail Banking DivisionJoint Presenter:Redha Al Lawatia, Bank Sohar SAOGHead of Business Development and Liabilities: Retail Banking

11:30 Speed and Accuracy: A ConundrumAs we move in more networked economy with more informed and impatient customers, speed is a vital prerequisite. The key to successfully transition banking into a “customer-ready” offering is a rich bouquet of products, which can be mass-customized and delivered rapidly. However, in banking industry we need to balance this drive for speed with accuracy in our customer selections. The presentation will focus on:• Fundamental pillars required to improve the swiftness in customer and product

decisions.• D&B’s experience in working with key stakeholders including Central Banks,

Credit Bureaus and Regional Banks to build capabilities that enable faster and more accurate decisions.

Vivek Agarwal, Dun & Bradstreet (D&B)Senior Vice President and Head of Banking Solutions

12:00 Bringing Value in Retail Forex and Remittances• Emerging trends in remittances• Evolving business models in the industry and how your business can adapt• Key drivers of innovation to make the business work effectively

Simanta Das, Mashreq PSCHead of Liabilities: Retail Banking Group

12:30 Panel Discussion | Building the right Infrastructure to Support Mobile Financial ServicesWith the entrant of non-banking players entering the fi nancial services sector, mobile money has created a global impact onto fi nancial services for the fundamentals of it be convenient banking. However, the Middle East is still in its infancy to adapt to the mobile payments culture as there are various obstacles in the form of ineffi cient technological infrastructure, below par technology standards to harness the mobile payment engine between banks and telecom providers. The panel hosts experts in the electronic channels and mobile channel fi eld where they will highlight on key areas to ensure the right infrastructural support for mobile payments and how mobile can lead to retail business development and profi tability as an alternate customer channel.• Key issues with the electronic payment systems• How robust or effective is the existing mobile payment infrastructure?• What technologies should be in place to implement a robust infrastructure?• Implementing mobile and digital wallets. The platform, tools and technology

• Improved payment mechanisms on 4G and beyond networks as well as the USSD platform

Featured Panelists:Rémi De Fouchier, GemaltoVice President, Marketing & Communication: Telecommunication Division

Stephen Foster, du | Emirates Integrated Telecommunications Company PJSCDirector: Financial Services - CommercialPeter B. Schultz, MasterCard WorldwideVice President, Mobile Payments: Middle East and North AfricaMohamed Roushdy, Bank NizwaChief Information Offi cer

Hussain Mazhar, Gulf International BankSenior Vice President and Head of Customer SolutionsModerated By:

Hari Baskaran, Axslogic Pte LtdFounder CEO

13:00 Mobile Services Cloud: Advanced Mobile Technology for Financial Institutions• mGate â€“ Infobip‘s solution supporting banking and fi nance• USSD interactive sessions• Building premium service for clients

Elvino Krizmanic, InfobipHead of Global Enterprise Sales


14:30 The Path to Mobile Banking – A Banker’s Experience• Mobile Banking – Its already here• Need of the Time – The agile retail bank• The Pitfalls – be aware• The Upgrade Era – build for change• Small is Big – magic beans for small players

Hussain Mazhar, Gulf International BankSenior Vice President and Head of Customer Solutions

15:00 Driving Top Line Growth & Quality Customer Service through an ideal Compensation Plan• Creating an organization-wide behaviour through a compensation plan that

drives Customer Services• Designing a good compensation system that dwells customer services• Aligning compensation plan strategy to serve the bank’s strategy in the long

run• Reducing error ratios by awarding an incentive system to the RMs• Learnings and Key Take aways

Khawaja M. Almas, Allied Bank LimitedGroup Chief, Commercial and Retail Banking Group

15:30 Panel Discussion | Effective Retail Distribution & Sales via Alternate Channel NetworksRetail banking is at a crossroad where the business is struggling to sustain continuous profi table growth and maintain customer service quality. A recent survey stated that nearly minus 41% of customers recommend their banks to friends and family, in other words nobody does recommend their banks to their friends. Why is it so? As a result, sales drop and expenses go up when banks strive to work aggressively to boost sales through alternate channel networks.Panel Discussion:-• Analyzing Customer Trends in Retail Banking• Improving your Customer Service Quality Strategy• Improving Sales through the Induction of Balance Scorecard• New Retail Banking Multi-Channel Models & Sales Strategies• Designing an Effective Sales Strategy to suffi ce Customer Service across

Alternate Channels• Implementing Mobile Payments & Digital Banking Services• Prospect of Ecommerce SalesFeatured Panelists:R. Narasimhan, Bank Sohar SAOGDeputy General Manager – Head of Retail Banking Division

Jiri Jaros, Adastra Business Consulting (ABC)Partner

Tariq Razi, Dubai Islamic BankVice President and Head of Asset Products: Consumer Banking GroupModerated By:Hari Baskaran, Axslogic Pte LtdFounder CEO

16:00 Closing Remarks from the Chair

Close of the Conference | Farewell Coffee and Networking

I would like to thank everyone who has helped with the research and organization of this event, especially the speakers for their support and commitment.


Booking Line: + 971 4 6091564, fax: + 971 4 6091589


Biographies – Speakers & Guest Panelists

Suvo Sarkar, Emirates NBD PJSCGeneral Manager – Retail BankingSuvo Sarkar is the General Manager for Retail Banking at Emirates NBD since June 2012. In this capacity, he has the mandate to oversee all aspects of Emirates NBD’s Retail Banking and Consumer Finance businesses, including branches, retail loans, mortgages, credit cards, direct banking, SME, sales and marketing, as well as setting new standards in product innovation. Sarkar returned to the bank after a two year-stint with National Bank of Abu Dhabi. During his previous tenure with Emirates

NBD as Executive Vice President & General Manager, Retail Banking, Sarkar spearheaded the integration of Emirates Bank and National Bank of Dubai, to create an integrated retail business for the merged entity, with over a million customers. Sarkar is a senior consumer banking professional with over 24 years of multi-functional experience in four countries and three international banks across the Middle East and South Asia. Prior to Emirates NBD, he was the Country Head, Retail Banking for National Bank of Dubai. He also has over 18 years consolidated experience with Citibank, ANZ Grindlays and Standard Chartered. Sarkar has a graduate degree in engineering, and is an MBA and gold medallist in marketing from Indian Institute of Management. He is also a qualifi ed investment advisor and has professional training from INSEAD and Oxford University.

Sanjay Malhotra, National Bank of KuwaitHead of Retail Banking: Middle East & North AfricaSanjay is a senior Consumer Banking professional with over 20 years of multi-functional experience with leading banks in the region. Sanjay is currently Head of Retail Banking at NBK for international operations covering in MENA region. NBK is the leading banking institution in Kuwait and has built up a well-established banking franchise with over 175 branches in 17 countries. NBK has consistently been awarded the highest credit rating of all banks in the region by the major international rating

agencies and was also named as one of the top 50 safest banks in the world. Prior to joining NBK, Sanjay was the Regional Head of Retail Banking – Gulf, at Arab Bank. He has previously worked with Citibank and ANZ Grindlays and Arab Bank in multiple geographies in Asia, Middle East, Levant & North Africa. He has extensive experience in all areas of consumer banking, from retail lending, credit cards to mortgages and wealth management. In early part of his career worked he worked as functional head for areas as diverse as marketing, product management, and retail risk and credit. He has been a country and regional business head, for over 8 years driving business strategy at country level and regionally. Sanjay is a graduate engineer and MBA from BITS (Pilani) in India. He is married and has two children.

Praveen Bandekar, Union National BankHead of Retail Product DivisionPraveen is the Head of Retail Product Division at Union National Bank. In his current role he has the responsibility across the retail assets, liabilities as well as bancassurance products. In addition he is responsible for the business intelligence function for the Retail Banking Group. In the 5 years with UNB Praveen has contributed to a series of initiatives across the Retail Banking Group, including SME as well as Islamic Banking. He has been in the GCC region for over 15 years with banks such as

NBK and ABK in Kuwait and BBK in Bahrain where he has held positions such as Head of Marketing, Head of Strategy Implementation and Senior Manager Consumer Banking. Amongst his achievements are establishing a fi nance company, establishing a asset management function and implementing the wealth management strategy. Prior to the Middle East he was in India with ANZ Grindlays Bank, Deutsche Bank and Citibank. He has a Masters in Marketing from JBIMS, Bombay and lives in Abu Dhabi.

George Beatty, National Bank of Abu DhabiGeneral Manager, Consumer & Elite BankingMr. Beatty is EVP and General Manager of Consumer & Elite Banking at National Bank of Abu Dhabi. He has nearly 20 years of experience in senior management roles in the fi nancial services industry both in the middle-east and in Asia Pacifi c. He joined NBAD from National Bank of Kuwait (NBK) where he served as Group Head and General Manager of Consumer Banking. His prior experience includes executive roles at St. George Bank, HSBC, National Australia Bank, and GE Consumer

Finance. Originally from chartered accounting, he has extensive experience in business advisory through KPMG, and management consulting experience with an international fi rm.

Dinesh Sharma, Citibank NAHead of Consumer Bank – MENA RegionDinesh Sharma leads the consumer franchise for the Middle East & North Africa (MENA) cluster based out of Dubai, UAE and has been in this role since Nov. 12, 2012. Prior to his current role, Dinesh was the Consumer Group Risk Director for EMEA from December 2006, responsible for managing credit and fraud risk, defi ning risk appetite, optimizing risk capital and executing asset risk strategy across all Consumer businesses in the region. Dinesh joined Citi in 1990 and over the last 22+ years has worked

across a range of functions and business units in Consumer. He started his career with Citi in India as Sales & Distribution Manager for Unsecured Lending and then moved to multiple roles within Citi India - Collections Manager, Relationship Manager for Business Lending & Securitization, Area Director for Mortgages, Business Head - Unsecured Lending, and Managing Director for Citifi nancial India. In May 2002, he moved to Italy as Consumer Risk Director, based in Milan. In October 2004, he became the Regional Risk Director for Citifi nancial Europe, based in London. Dinesh has a Bachelor’s degree in Mathematical Statistics and a Master’s degree in Business Administration.

Ajay Makhija, SAMBA Financial GroupGroup Head – Global Consumer BankAjay Makhija joined Samba Financial Group as the Group Head of Consumer Banking in February 2006. Prior to joining Samba, he worked with Citigroup in India, Africa and Asia Pacifi c in a variety of Senior Management roles for over 16 years. Ajay was the Regional Director & Head of Liabilities of Citibank Asia Pacifi c, covering 14 countries based out of Singapore. He also led various global business teams in evaluating inorganic growth opportunities in Asia Pacifi c. Prior to that he was Country

Business Manager for Citibank in Egypt and Citibanking Head for India. Currently, Ajay is managing the Consumer Franchise for Samba including Retail Banking & Wealth Management, Consumer Loans & Credit Cards, Mortgage and Remittance Business streams across Saudi Arabia, UAE, Pakistan & new markets. Ajay is also a member of Board of Directors of SambaCapital. SambaCapital is an independent provider of world class investment products in the areas of Investment Banking (Equity Capital Market, Debt Capital Markets and M&A advisory), Asset management & Brokerage for individual customers, corporate entities, fi nancial institutions and government entities. Ajay holds a bachelors degree in Engineering (Honors - Mechanical) and was awarded the Delhi University Gold Medal for his MBA from the Faculty of Management Studies.

Ziad Fatayer, Jordan Commercial BankAssistant General Manager: Retail Banking Group HeadZiad Fatayer is the AGM – Retail Banking Group at Jordan Commercial Bank as well as Board Member of the International Cards Company ( I C C ) as Vice Chairman representing Jordan Commercial Bank. Ziad Fatayer has an extensive background in Retail Banking, Marketing, Planning, Budgeting, Customer Consumer Support and Management as well as PMO. He demonstrated a record of developing retail & SMEs banking strategy and implementing solutions to multidimensional complex

operational problems. In addition, Ziad has an overall responsibility to establish a bank in conjunction with line of businesses operations, administrating, planning and directing banking activities. Furthermore, he is responsible for creating and maintaining customer support policies and processes to support customer’s administrators operations and client relationship management. He has over 23 years of great experience in retail banking in regional and international banks as well. His broad experience included working in leading banks such as: Citibank, Mashreq bank, ABN Amro Bank, Arab Bank, BKME (Bank of Kuwait and Middle East), Bank of Jordan, Capital Bank and Libyan Qatari Bank. His educational background includes an MBA in Marketing from the University of Poona-Symbiosis of Management / India (1989). And a B. Com degree in Accounting and Auditing from the University of Poona-Symbiosis college of Commerce /India (1987), plus Post graduate diploma in Promotion & advertising from New Delhi.

David Power, Commercial Bank International PSCHead of Retail Banking GroupDavid Power is Head of Retail Banking for Commercial Bank International and is responsible for leading the strategic direction of the Retail Banking business unit of the bank and was appointed to this position in November 2011. Prior to that he served as the Chief Retail Banking Offi cer at National Bank of Oman SAOG and also served as its General Manager of Consumer and Private Banking. Before moving to Oman he served as Deputy General Manager for Retail and Priority Banking at Gulf

Bank in Kuwait for two years. During his professional career spanning over 25 years, he has served in a number of key leadership positions in leading banks globally, including amongst others, the Divisional Director of Private Banking at Nedbank Ltd., Johannesburg, South Africa, the National Manager Standard Bank Offshore Group, Channel Islands and Head of Priority Banking at Standard Bank Ltd., Johannesburg, South Africa. He is an associate member of the Institute of Bankers in South Africa as well as an Associate Member of Templeton College, Oxford, where he completed a Post Graduate Diploma. Mr. Power holds a Bachelor‘s Degree in Economics & Business Administration from the University of Cape Town in South Africa and Post-graduate Diplomas in Management from Henley Management College in the UK as well as Ashridge Management College UK.

Marwan Arakji, Bank Audi SAL – Audi Saradar GroupDeputy Head of Group Retail BankingMr. Arakji has been recently appointed as Deputy Head of Group Retail Banking, handling major core banking Group Retail projects such as business plans and budgets, running global market research, and overseeing the Group performance. Mr. Arakji leads the marketing and sales strategies to develop brand recognition and carries out the identifi cation, design and development of new and competitive products, services and concepts that address customer and market needs. Mr. Arakji joined the Group

in 1994. Assuming various positions, most recently as Head of the Special Projects where he played a major role in exploring digital banking opportunities, including E-Banking & IT Architectural Transformation initiatives. Mr. Arakji holds a Bachelor’s Degree in Business Administration from the American University (Washington D.C.), and completed the General Management Program at Harvard Business School in 2008.

D Anand, Qatar Islamic BankGeneral Manager, Personal BankingAnand has over 20 years of banking experience with exposure to banking practices across countries in CEEMEA. Anand joined QIB in April 2011 where he is responsible for providing leadership and transformation strategy for the Personal Banking Group. Personal banking group provides consumer fi nance, cards, Investments, Takaful and other banking solutions through branches and e-channels across Mass, Affl uent and Private client segments. Anand started his banking career with Citibank,

India where he spent over 12 years in various senior management roles in credit, service quality and operations delivery across multiple countries in CEEMEA. He moved to Al Rajhi Bank, KSA in 2003 where he held leadership roles culminating as General Manager – Retail Banking Group. Anand backs his knowledge of Personal banking with a rich experience in setting up green fi eld projects in banking which include new bank set up, off shore outsourcing practices, banking affi liate set up etc. He holds an MBA degree with specialization in marketing and systems.

Richard Fraser, FIS GlobalGeneral Manager of Retail Banking: FIS EMEARichard began his retail banking career as a management trainee with Northern Rock in the 1980’s and joined the Nottingham Building Society/Bank of Scotland joint venture which launched Britain’s fi rst home-banking service in 1984. In the 1990’s he fi rst worked for FIS in sales and marketing roles before joining IBM to head it’s newly formed core banking solutions unit. Rejoining FIS in 2009 he is responsible for professional services, support and service delivery for the company’s largest European

clients. He completed his banking examinations in 1980, was awarded the Northern Rock prize for Development & Marketing and was runner-up in the 1982 Birmingham Trophy.

Suresh Bajpai, Doha BankHead of Retail BankingSuresh Bajpai is the Head of Retail Banking for Doha Bank based in Doha, Qatar. He joined Doha Bank in July 2012 and is responsible for leading the Retail Banking and Small & Medium Enterprises (SME) Banking Businesses in Qatar and International Markets. Suresh is a career banker, with deep domain expertise in Retail Banking, Wealth Management, Consumer Finance, Credit Cards, Digital and Mobile Payments, mCommerce and Remittances. Prior to joining Doha Bank, Suresh was based

in New York with Citigroup where he has worked for over twenty years. He held a number of senior management positions in Americas, Asia, Europe, Middle East and Africa in both Consumer and Institutional Banking, managing across more than 50 countries globally. He was Managing Director and Global Head of Commercial Banking Business, Global Head of Digital Banking and Payments, Business Head of Citigold Global Banking & Global Head of Marketing, Segments and Channels. Before moving into global roles, Suresh Bajpai was based in London and Brussels. He headed key leadership positions in EMEA, including Business Manager of Consumer Loans, Regional Director of Customer Management, Regional Director of Marketing and Regional Director of Database Marketing & CRM. Suresh came to Citigroup in India in 1990 and has held various country management positions across Business, Sales and Marketing, Credit and Risk, Operations and Technology. Prior to joining Citigroup, he was with Siemens India in the roles of International Product, Export Sales and Marketing Management functions. Suresh is also on the board of Micronotes, a digital company headquartered in Cambridge, Massachusetts, USA., that partners with fi nancial institutions to improve the productivity of cross-selling online. Suresh has Bachelors in Electronics Engineering and Masters in Business Administration from Jamnalal Bajaj Institute of Management Studies. He has been a visiting faculty member in many prestigious management institutes.

Harshdeep Singh Munjal, National Bank of OmanGeneral Manager – Retail, Private & Overseas Banking GroupMr. Harshdeep Singh Munjal has held several high profi le roles with a plethora of leading fi nancial institutions that is highly regarded as the envy of many. He started his career way back in 1987 with American Express in the USA and has joined the ranks of Citibank, Standard Chartered Bank, HDFC Bank, Dubai Bank, National Bank of Bahrain and National Bank of Oman. In many instances of his working career, Harsh has been instrumental in setting up and pioneering the building blocks for

many of these multinational banking giants to where it is today. Harsh is a ‘go-getter’, who never wanes to challenge the status quo as he speaks his mind freely, openly and boldly to achieve the desired results. He is a charismatic transformational leader who always sees the end from the beginning and focuses on only 20% of the issues that result in 80% of effectiveness. Of late, he is well known to be a specialist in turning around ailing businesses based on his vast experience and intricate knowledge of banking and in leading established banks to attain greater results than in the past. Harsh is a dynamic character who is constantly re-inventing himself through his innovative thinking and idea generation to solve complex business issues. He inspires those around him to rise above and beyond even the most diffi cult of challenges. Wherever Harsh is involved, superior results is inevitable.

Sundar Parthasarathy, Abu Dhabi Commercial BankExecutive Vice President – Head of Consumer AssetsSundar has 20 years of experience in India and UAE. His career started in Times of India & thereafter has worked with several esteemed organizations such as Times Bank (merged with HDFC bank), ABN AMRO bank, ICICI bank, Mashreq bank & now currently with Abu Dhabi Commercial Bank (ADCB). In his previous role, his multi-functional experience included Branch Banking, product management, Sales channel management, event management, assets & mass affl uent business in ABN AMRO

bank etc. Currently, he is the Executive Vice President of the consumer assets business with ADCB. Two years back, he was also spear heading the integration project of RBS UAE retail business as “Chief Integration Offi cer”. The integration was completed smoothly within a span of 12 months from the date of take-over. His current role as Head of Consumer Assets entails product management of Credit Cards, Personal Loans, Mortgages, Auto, Smart Loans and Education Loans. He is also in-charge of Operations (card centre) & retail sales function. Today, ADCB is one of the largest consumer assets franchisee in the UAE & is respected by the competitors for two successful co-branded credit cards i.e. ETIHAD & LULU. Sundar has a graduate degree in commerce & MDBA from Symbiosis institute of management. He recently accomplished “Advanced Management Program” from Harvard University. In addition, he has also attended several leadership programs from Stanford, Cambridge & Wharton universities. He is based in Dubai with his wife Padma & two children – Abhishek & Aishwarya. He enjoys travelling & and likes to devote regular time to fi tness.

Sanjay Malhotra, National Bank of KuwaitHead of Retail Banking: Middle East & North Africa

Fahad Mohammed Al Semari, Alinma BankGeneral Manager, Retail Banking Group

D Anand, Qatar Islamic BankGeneral Manager, Personal Banking

John Chang, Noor Islamic Bank PJSCHead of Consumer Banking

David Power, Commercial Bank International PSCHead of Retail Banking Group


Shekhar Krishnamurthy, Emirates NBD PJSCHead of Liabilities & Wealth Management

Mujtaba Naqvi, HBL (Habib Bank)General Manager: Retail Business Planning & Development

THE ADVISORY COUNCIL

The advisory council will aid in the quest for providing high quality education on the most signifi cant topics to ever impact the region’s retail banking sector.

Booking Line: + 971 4 6091564, fax: + 971 4 6091589



Amitava Mandal, Wipro LimitedPractice Manager – BFSIAmitava Mandal is a Practice Manager in BFSI at Wipro Ltd based in Mumbai. Amitava has more than 20 years of industry experience. He has rich and in-depth exposure to the entire spectrum of Credit, Market and Operational Risk Management functions in the Banking & Financial Services Industry in India, Europe, & Australia. His experience covers all aspects of scorecard, credit risk models and Basel II Capital Calculation Engine development. Amitava earned Bachelor’s Degree in Engineering from NIT

Tiruchirapally and Master’s degree in Management from Indian Institute of Management, Calcutta.

Ghiath Halabi, VeriParkEngagement DirectorGhiath is The Engagement Director at VeriPark, he is currently leading many high profi le CRM projects in the company. During his 19 years’ of worldwide experience, Ghiath has developed an exceptional background in CRM and banking channels, and occupied many executive positions in Canada, USA and Europe, he approaches each new business challenge with his intrinsic fl air for innovation, creative problem solving, and measured risk taking to drive consistent bottom-line improvements. Ghiath’s

goal was to complement his natural technical savvy with a strong foundation in business. He successfully implemented one of the top 25 enterprises CRM in North America. and was part of the executive management in Cowley & Associate Toronto, Ghiath is also experienced in the Middle East and was The Vice President of the CRM and internet banking of Mashreq Bank where he has a successful track record in implementing CRM ,retail, corporate internet backing and corporate cash management. He is also expert in building CRM systems for contact centres, branches, sales organizations of Banks and he had been recognized for his leaderships and accomplishments. Ghiath holds BS Degree in Engineering.

Girish Advani, First Gulf BankSenior Vice President – Cards Business HeadGirish Advani joined First Gulf Bank in 2006 and is currently Head of Cards for First Gulf Bank. He is an Engineer with a Business Degree from University of Illinois, Urbana Champaign. He worked in the Aerospace Industry at Honeywell in the leadership program before he joined the banking sector in the UAE. He is a passionate about online shopping and genuinely believes it can add good value to shoppers worldwide.

Pieter Sleeboom, Cobone.comChief Operations Offi cerPieter Sleeboom is the Chief Operations Offi cer at Cobone.com, a Tiger Global backed eCommerce company that is leading in the Middle East. Pieter is a proven business leader with hands on execution experience in launching and building successful eCommerce businesses. At Cobone, Pieter is responsible for building and operating a company that is growing triple digit year-on-year with over 100 staff in 3 countries in multiple eCommerce categories. In March 2013 Cobone was acquired by

Tiger Global. Pieter is also an active investor, mentor and advisor to various start-ups around the world. Before this Pieter has worked for Procter & Gamble and ING Bank.

Gary Mond, Al Khalij Commercial Bank (al khaliji) QSCHead of Consumer BankingGary Mond is a seasoned banker with a career that has spanned close on 40 years both in the Middle East and UK. He has held General Manager positions in Retail Banking and has repositioned existing businesses as well as establishing businesses from inception. Gary has worked for leading banks such as Barclays, Burgan Bank, IBQ, NBF, Mashreqbank, Barwa Bank. Currently the Head of Personal Banking with Al Khalij Commercial Bank (al khaliji), his areas of experience cover business

strategies, segmentation positioning, change management, strategic planning, business development, marketing and brand positioning. Over his career he has had responsibilities for the operations of consumer banking including card business, Private Banking, SME business, wealth management, project management, risk management and operations. 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. Highly-focused on quality standards and service deliveries, as well as being skilled in corporate communications, PR and media relations. A keynote conference speaker on retail banking strategies, his role with Al Khaliji bank offers a series of exciting challenges as they position themselves as a leading Premium brand. Prior to joining Al khaliji Gary was involved in the Islamic Banking arena as advisor to the Retail Banking division of Barwa Bank, helping to establish their private and priority banking services. He was also involved in the banks acquisition of an Islamic window, customer base and branch network from a conventional bank, which was awarded the Islamic deal of the year 2011.

Mujtaba Naqvi, HBL (Habib Bank)General Manager: Retail Business Planning & DevelopmentMujtaba Naqvi heads ‘Retail Business Planning and Development’ at HBL, which is the largest bank in Pakistan with branch network of more than 1,400 branches and customer base in excess of 5 million customers. At HBL, Mujtaba is successfully managing a retail deposit book of US$ 9.3 billion. Prior to assuming this role; he has managed one of the fastest growing credit card portfolios and one of the biggest personal loan portfolios. Before joining HBL, Mujtaba has managed business portfolio for

payment products at Union Bank Limited (later acquired by Standard Chartered Bank). As business manager for payment products, Mujtaba has the distinction of launching and managing the overall suite of Unsecured Payment Products and putting together high performance teams. Mujtaba is a veteran in banking industry with diversifi ed experience spanning over a time period of 16 years and ranging from retail banking to payment products, his core area of expertise include product and organization structuring in order to enhance product profi tability and effi ciency without compromising the quality of the product. Mujtaba believes that the emerging trends are re-defi ning the ‘premium’ segment hence we need to answer a basic question; are we re-defi ning ourselves?

Jelmer de Jong, BackbaseGlobal Head of MarketingJelmer de Jong is Global Head of Marketing at Backbase, a software company formed in 2003 that delivers Bank 2.0 online and mobile portal solutions for fi nancial institutions around the globe. Jelmer has focused his career on internet and mobile innovation. He began as an entrepreneur with a company that helped SMBs to sell products online and later joined a start-up to build one of the fi rst global online and mobile trading platforms in the perishable industry. At Backbase, he specialises in

marketing the next generation of online and mobile technology to banks and fi nancial institutions so they have the tools to create a superior online, customer experience in the engagement banking era.

Margaritis Manos, EXUSDeputy CEOMr. Manos Margaritis is a graduate of National Technical University of Athens in the faculty of Electrical Engineering, and has a Master’s Degree, DIC in Telecommunication Engineering at the Imperial College, London. Mr. Manos Margaritis has over 22 years experience in the fi eld of Information Technology. He is Member of the Board of Directors of EXUS and his current position is Deputy CEO, participating in the development of company’s business plans, strategic planning and

surveillance of company’s big projects. He participates in the decisions to be taken for introducing new technologies and developing new products and services. He is responsible for the coordination of departments for achieving the company’s goals. Mr Margaritis is a regular speaker in Financial Events and expert evaluator of EU funded projects.

Dean Young, SunGardVice President, Product Management, Ambit Retail BankingDean Young is vice president of product management for SunGard’s retail banking customer and card management solutions. With over twenty years’ experience in the fi nancial industry, Dean is an expert commentator on customer management strategies based on his extensive work with retail banks across the world in helping them to optimize customer relationships. Dean’s experience covers online and mobile banking strategies, and how banks must adapt to changes in customer behavior.

Dean also has strong experience in card management, helping banks develop more effi cient, secure and profi table card products.

Mamoun Alhomssey, Abu Dhabi Islamic Bank (ADIB)Executive Vice President | Head of ITDMr Alhomssey is a highly experienced global information technology executive; with more than 20 years’ experience in the Middle Eastern fi nancial technology market. He is an expert commentator on the management and implementation of advanced technology, applications and infrastructure. Before joining ADIB Mr Alhomssey has held roles at a number of high profi le banks across the Middle East; including Citibank, Standard Charted Bank and Jordan Gulf Bank. His wealth of expertise in the latest

technologies and development tools has contributed to his status as a recognised industry thought leader.

Axel Hofmann, Bank of Bahrain & KuwaitHead of Retail BankingAxel Hofmann is currently Assistant General Manager, Head of Retail Banking at BBK (Bank of Bahrain & Kuwait). He is an Industrial Engineer from the University of Buenos Aires. He also holds a graduate specialization in Strategic Management from the University of Buenos Aires and a Masters in Business Administration from the University of Texas at Austin. He has more than 21 years experience in banking and the fi nancial industry. He worked for Citibank for 12 years, where he held positions

as Country Business Manager in the Bahamas, Retail Country Business Manager in Colombia and Business Manager

Global Transaction Services for Emerging Local Corporate. He was member and vice chairman of the board for Colfondos (Pension Fund, Colombia) and Executive Director and Board Member of both Prosperia S.A. and InBest Inc. He is married and has three children.

Daniel Melo, FICOSenior Director – Pre Sales ConsultingDaniel Melo is a senior director of pre-sales consulting at FICO EMEA based in Madrid. Daniel has more than 23 years of experience on Credit, Collections and Risk Management for large fi nancial institutions in Europe and the Americas. His experience covers all aspects of the Credit Life Cycle, from Analytics and Scorecard Development, Strategy and Change Management and direct Operational Management. Daniel has extensive familiarity with emerging markets during volatile economic periods. credit risk management and debt collection in turbulent times are his specialties. His

background includes HSBC, Unibanco, Citi and American Express.

Hari Baskaran, Axslogic Pte LtdFounder CEOA serial entrepreneur, Hari Baskaran is the Founder CEO of Axslogic Pte. Ltd. Axslogic offers a combination of Risk Management products and Knowledge Outsourcing Services for Financial Institutions bundled as Software as a Service (SaaS) targeting business improvement for the client while reducing potential and ongoing losses. Hari has also been the founder and Managing Partner of a risk advisory fi rm that provided sophisticated risk assessment and analysis for fi nancial institutions globally. His unique global experience of developed and developing markets at senior levels enabled a

strong best-practice sharing and benchmarking capability. Prior to this, Hari promoted and founded a ground-breaking comprehensive analytics and risk management fi rm serving the banking industry with offshore and onshore outsourcing of analytics, risk management and operational monitoring, integrated with a risk software product business. Hari has over twenty three years of experience in Consumer and Commercial Risk. He was earlier with Citigroup where, as Global Risk Director for credit cards, he managed risk for all the consumer and commercial credit card businesses, payment platforms and merchant businesses owned and managed by Citi. His prior responsibilities as Regional Senior Risk Offi cer for Citigroup Asia included managing all of Citigroup’s consumer and commercial risk across multiple countries in Asia. As one of the youngest credit offi cers to attain the highest level of credit designation (SCO1) for all consumer products at Citigroup, Hari has a strong reputation in the industry for forward thinking and delivering balanced business growth through data driven decision-making for which he has received multiple Global Awards from Citigroup.

Raffy A. Karamanian, Bank Audi SAL – Audi Saradar GroupHead of Delivery Channel – Group Retail BankingRaffy Karamanian is the Head of Delivery Channels at Bank Audi since January 2011. His main responsibilities entail developing alternative channels and delivering seamless cross-channel banking experiences. He is responsible for the development of the “Novo” concept, initiating a new retail banking experience to customers. Raffy held the position of Head of Retail Banking in Sudan where he launched the Bank’s initial Islamic Retail Banking operation. Prior to joining Bank Audi in 2005,

he worked in the retail banking fi eld in New York for 6 years with JPMorgan Chase [Washington Mutual] and Commerce Bank.

Abdul Rahman Turki, Bahrain Islamic BankGeneral Manager, Retail BankingAbdul Rahman is currently managing the Consumer Finance Business at BisB. He is responsible for all the Personal, Mortgage, Auto, SME fi nancing , credit cards business, e-banking, Business Development & Marketing division, the Retail Credit Unit, and the Private & Priority Banking division. Abdul Rahman began his banking career back in 1981 when he fi rst joined Grindlays Bank Ltd, Bahrain. He started in the Treasury and Investment Department where he spent 17 years before he

was transferred to take senior posts in the Consumer Finance businesses and Business Development & Marketing. In 2001 he joined Commercial bank of Qatar in Doha. Abdul Rahman was a founding member of the Islamic Banking window of CBQ Qatar (Al Safa) which was introduced in 2004 where he was assigned to manage the Retail division. Abdul Rahman holds a Masters Degree in Strategy & Scenario Planning from Strathclyde Business School Scotland; he also has many other qualifi cations in banking & fi nance, marketing and leadership, which he has acquired during the last 32 years in the banking industry through working in Bahrain, Oman and Qatar

Raman Muralidharan, HSBC Bank Middle East LimitedRegional Head of Customer Value Management: Retail Banking & Wealth Management – Middle East & North AfricaRaman Muralidharan is the Regional Head of Customer Value Management (CVM) for HSBC‘s Retail Banking and Wealth Management (RBWM) business in the Middle East and North Africa (MENA) region. He is responsible for HSBC‘s retail propositions, including its fl agship offering HSBC Premier, and HSBC Advance, in addition to all lending products, customer segmentation, CRM, analytics and

customer experience management. Raman joined HSBC, MENA in January, 2012, moving to Dubai from HSBC in USA. Raman‘s areas of professional expertise include customer and product management, data driven marketing, multi-channel sales, and management of direct channels. He has over 10 years‘ experience in fi nancial services, along with substantial exposure to other consumer products. Prior to joining HSBC MENA, Raman has held senior roles with HSBC, Capital One and Booz & Company in the United States. Over the span of his career, Raman has held leadership roles with P&L responsibility, and has a proven track record of achieving both top and bottom line results. He is a strong talent manager, and has recruited, developed and grown talent, often leading large teams. He holds an MBA (with high honors) from the University of Chicago, as well as a master‘s degree in engineering. Raman enjoys working in MENA, and looks forward to being part of the banking community in the UAE.

Rana Zeeshan Saleem, Emirates NBD PJSCHead of Assets and KSA Retail Banking – Retail Banking GroupZeeshan has extensive banking experience at Barclays and Citibank in the region. Before joining Emirates NBD in Sept 2010, Zeeshan was Consumer Banking Director for UAE & GCC at Barclays, managing the Retail Banking business. He was part of the team that launched Barclays Retail Bank in the UAE. He started his career with Citibank as Management Associate and left from the position of Vice President at Citibank, Pakistan. Before banking career he has worked in the fi eld of Electronics

Engineering. At Emirates NBD, Zeeshan started as Head of Consumer Banking and Wealth Management [CWM] for KSA and was assigned the task to develop and implement growth strategy for CWM business in the Saudi market. In addition to KSA role, he had been designated as Retail Coordinator to help Group CEO manage CWM Retail business for the interim period from Sep-2011 to June-2012. Since June-2012, Zeeshan has been designated as Head of Assets for Retail Banking Group in addition to his responsibilities for Retail business in KSA. Zeeshan is the member of Consumer Banking Committee of Emirates Bank Association UAE. He is a Chartered Wealth Manager certifi ed by International Academy of Financial Management. He holds a MBA Finance & Marketing from LUMS, Pakistan [Gold Medalist], BE Electronics and Telecom Engineering from UET, Pakistan. His interests include Current Affairs, Economics and Cricket.

Atanu Ganguli, Polaris Financial Technology LtdSenior Vice President – MEA & TurkeyAtanu Ganguli is Sr Vice President, and currently the Head of MEA and Turkey region for Polaris Financial Technology Ltd. He has 22+ years of experience in Business development, sales and operational aspect of Business delivery for System Integration/solution sales across Geographies, i.e APAC and MEA. Last 12+ years, he has been associated with the Financial Sector, responsible for spear heading Polaris solution proliferation in Middle East and Africa across Financial Verticals. He

is, in particular, instrumental in driving the Enterprise Channel and Retail banking Solution strategy, which has led most of the tier 1 bank in the region using Polaris Platform. Prior to joining Polaris, he worked with HP - India, as Country Services Principal- FSI, and Modil Olivetti- India, Regional manager, driving their SI (System Integration) sales in the fi nancial sector.

Naji Moukadam, SABManaging Director – SAB InternationalNaji Moukadam has more than 20 years of international experience in designing, developing and implementing large-scale of investment and banking projects, as well as his involvement in various consulting assignments. He worked in business development, IT Operations Management, IT Strategic Planning, IT Audit, Systems Engineering, and Systems Design & Development and System Implementation mainly related to the fi nancial industry. His experience covers both the areas of IT

& banking (Commercial & Investment) with a focus on Islamic fi nance. He is exposed to various activities, courses & seminars in the management, IT & Banking areas. The last ones were in Wharton business school covering the Executive Development Program and in INSEAD covering the area of Strategic Management in Banking. Naji joined SAB in 2011 as a Managing Director of SAB International, which is a fully owned subsidiary of SAB Group. SAB International is a deployment base from which a business network will be set up to cover the Americas, South east Europe, the Middle and Near East, the Gulf countries, Asia, the English-speaking parts of Africa, and the Far East. The SAB action plan relies, up to now, upon its regional offi ces abroad (Italy, Luxemburg, Monaco, Lebanon, Tahiti, Tunisia, United Kingdom) or upon relevant partnerships which differ according to sector. Prior to joining SAB, Naji was the vice president R&D and the president of Path Solutions, where he reviewed and restructured Path Solutions by developing a complete Go-To-Market strategy and its product offering, launched a 5 years programs that allowed Path Solutions to evolve from a product-driven company to a market-led provider of solutions and services, from 10 to 70+ fi nancial institutions. The plan increased Path Solutions market share, in particular for the Gulf region, the Middle East, Africa, South-East Asia and Europe and allowed Path to become the de-facto leader in providing technology fi nancial solutions to the Islamic fi nance industry. Prior to joining Path Solutions, Naji gained an in-depth knowledge and the highest level of expertise in developing, setting up and implementing retail banking solutions and consulting assignments and assessing the banks‘ set schemes within Equipbureau a member of PC Group and MDSL Lebanon.

Booking Line: + 971 4 6091564, fax: + 971 4 6091589



Huseyin Deniz, Istanbul Gold Refi neryGold Banking Business Development ManagerHuseyin Deniz is Business Development Manager at Istanbul Gold Refi nery. He began his career in Istanbul at Kuveyt Turk Bank and worked at retail & small business banking, performance management and marketing departments. After he worked six years for the Bank, he joined Istanbul Gold Refi nery. He works with a great team for gold banking products and operations. The team managing scrap gold collecting project with banks, ATM gold, gram gold and all of other gold banking

products and projects. Huseyin earned Bachelor’s Degree in Business Administration from Gazi University and Master’s degree in Banking from Istanbul University.

Jiri Jaros, Adastra Business Consulting (ABC)PartnerJiri is serves as a partner in Adastra Business Consulting (ABC), has more than 5 years of international banking consulting experience in the areas of Retail Risk (Collections, Loan Approval, Fraud, NPL mining) and Campaign/Marketing optimizations. The main differentiator of ABC deliveries lies in implementation of changes with attractive ROI, high work, honesty and result orientation. Jiri‘s services include bottom line improvements of client organizations focusing on hands on approach,

onsite practical and pragmatic implementations and belief in data. He has managed more than 35 projects in ABC for big international organizations in more than 15 countries. Jiri has lived and worked in various countries, ranging from Japan, USA, and over Germany came back home to the Czech Republic, while currently living in Vienna/Austria.

Jiri Zivnustka, Adastra Business Consulting (ABC)PartnerIn the past 10 years, Jiri has risen up through the ranks of the consultancy business having begun in technology delivering tailor made end-to-end solutions, and then diverging into business/management consulting for banks and telecommunications on an international scale within the CEE region. Jiri joined the Adastra Group in 2004 and participated in all aspects of consulting including project management and sales. He was appointed Banking Division Director in 2009, a position

he held until 2012 when he assumed his current position of Partner at ABC. His experience and expertise comprises multiple domains which focus on business model optimization, in particular, Sales/Marketing (Campaign optimization, Client Optimal Development strategy, CVM, Communication strategy), Risk management (Anti-Fraud, Collections, Underwriting, Risk reporting). Jiri obtained a Masters degree in Cybernetics and Artifi cial Intelligence from CTU (Prague).

Burak Ali Gocer, Garanti BankCoordinator – Retail BankingBurak Ali Gocer graduated from the Middle East Technical University Department of Civil Engineering. He earned his MBA from California State University, San Diego. After working as an executive at various private companies and banks, he joined Garanti as the Internet Banking Manager in 1999 to launch the Internet Banking projects which lead him to his next position, Alternative Distribution Channels Unit Manager. Following this position he worked through the foundation of Garanti

Mortgage, subsidiary of Garanti Bank, as the Executive Vice President of sales and Marketing. Gocer was appointed to his current position in 2011. He is married with 2 children.

Shekhar Krishnamurthy, Emirates NBD PJSCHead of Liabilities & Wealth Management: Retail BankingShekhar heads the Liabilities & Wealth Management business for Retail Banking within Emirates NBD. In his current role, his mandate is to grow the liabilities, insurance, investments and FX businesses across the personal, priority and business banking segments of the bank. Prior to this, he worked as Head – Retail Assets & Liabilities with Emirates NBD, and in diverse business, product and marketing roles in retail banking in the country over the last 15 years. Shekhar graduated from the Indian

Institute of Technology, Madras and obtained his post-graduation from the Indian Institute of Management, Ahmedabad, specializing in marketing and fi nance. Earlier in his career, he has also worked in sales and marketing roles with Unilever and Pepsi in India.

Ghanashyama Mahanty, Citibank NASenior Vice President – Head of Marketing Analytics and Insights: Europe, Middle East and Africa(Ghana)shyama Mahanty is a Business Intelligence and Business Management technician currently Head of Marketing Analytics and Insights for Citi‘s Europe, Middle East and Africa region. He is responsible for setting up analytic direction and strategies for the Consumer Bank covering Credit Cards, Consumer Lending and Wealth Management products. A dynamic and hands-on customer

management, marketing and risk analytics, client experience and business strategist with over 12 years of extensive experience in consumer banking. Prior to joining Citibank in 2004, he had a successful stint with American Express in managing fraud and credit risk analytics for international markets. Ghana holds a Masters degree in Applied Economics and an M.Phil in Development Economics. He has a large number of publications to his credit and has delivered lectures in different forums.

Mahendran Subramaniyan, Polaris Financial Technology LtdSenior Vice President – Head of Customer Business Exchange PlatformMahendran is Senior Vice President and Head of Polaris‘ Intellect Customer Business eXchange platform, a customer access channel solution for Retail and Corporate banking users. With over 20 years of IT experience, Mahendran has created business solutions to large and medium sized banking

and insurance customers across the globe. As an enterprise architect of Polaris in his earlier stint, he had overseen key corporate initiatives aimed at process maturity, architecture governance, improved productivity and standards.

R. Narasimhan, Bank Sohar SAOGDeputy General Manager – Head of Retail Banking DivisionMr. R. Narasimhan has more than 33 years of experience in Banking in the supervisor / management cadres and holds a Masters Degree in Science (Physics) from Madras University with a top university rank and a PG Diploma in Banking from Mahraja Sayajirao University, Baroda. Mr. Narasimhan is also a certifi ed associate member of Indian Institution of Bankers, India. After his successful tenure in India, Narasimhan headed the Wholesale Banking Division for pan Oman at Bank Sohar from May,

2008 till March, 2013. Apart from Wholesale Banking business growth, he successfully introduced cross selling of retail products to Wholesale Banking clients. Recently as per the organization restructuring, he has been assigned the role of Head of Retail Banking Division. Prior to his assignments in Oman, Narasimhan started his banking career in India as a Direct Recruit Offi cer in the year 1979 and served for 17 years with a premier public sector bank in various supervisory capacities such as Branch Manager & Zonal Head at various metro cities in India. In the year 1996, he joined as Vice President of a newly formed Private sector Bank promoted by the well known Development institution namely IDBI. In that capacity, he was instrumental in ushering in various technologically intense retail products with latest banking technology like “online real time banking”, mobile banking, internet banking, privilege banking, etc. Before taking up the position with Bank Sohar in 2008, his assignment was holding a pan India position as the Head of Corporate Banking Business and later as Head of Mid Corporate Business with IDBI Bank at Mumbai, India.

Redha Al Lawatia, Bank Sohar SAOGHead of Business Development and Liabilities: Retail BankingRedha Al Lawatia is currently heading Business Development and Planning (liabilities) unit of bank Sohar. He has developed several innovative sales initiatives and fi nancial products to increase low cost deposits market share and penetration of the bank. Prior to joining bank Sohar, Redha has served Petroleum Development Oman (PDO), leading Oil and Gas Exploration and Production Company in Oman as a Business Improvement and Performance Manager. He was responsible for developing

organization Balanced Scorecard, Annual and Quarterly Business performance reviews and reports, High Capex projects delivery management and involved in several business improvements projects. Redha Al Lawatia holds multiple postgraduates degrees and professional certifi cation in areas of Business Administration, International Marketing, Business Analysis and Quality Management. He is currently pursuing his Doctorate of Business Administration (DBA) from one of leading Business School in UK and his research interest lies in areas of organizational strategy and innovations.

Vivek Agarwal, Dun & Bradstreet (D&B)Senior Vice President and Head of Banking SolutionsVivek Agarwal works with Dun & Bradstreet as Senior Vice President and Head of Banking Solutions in emerging markets of Middle East, Africa and South Asia. He has 20 years of global experience, largely in Information Management and Analytics solutions for banking and fi nancial services industry. In his current role, he leads a team of economists, statisticians, banking domain experts and technologists working on analytical models and risk management solutions that enable banks reduce risk, increase

revenues and improve portfolio performance. Besides Banks, D&B also works with Central Banks, Government, Credit Bureaus and Rating Agencies with a vision of creating more transparent credit & business environment and robust economies. Prior to D&B, Vivek was part of the founding team of Saksoft, a mid-size public listed technology company, where he provided Information Management and Business Intelligence solutions to several global banks including Citibank, Morgan Stanley and Barclays Bank. Before starting Saksoft, he worked with P&G, Diageo and Orifl ame, where he built advanced analytical and optimization models for marketing, fi nance and supply chain functions. Vivek is a Mechanical Engineer with a Master’s degree in Industrial Engineering and Operations Research from prestigious National Institute of Industrial Engineering (NITIE), Mumbai.

Simanta Das, Mashreq PSCHead of Liabilities: Retail Banking GroupSimanta has got more than 14 years of experience bulk of which is in the Retail Banking domain covering India & the Middle East. An MBA with an engineering background, he started his career in FMCG Sales. After a short stint there he moved to ICICI Bank cards in India. In 2005 he moved to Dubai & has been with Mashreq since then. During a span of 12 years at ICICI Bank & Mashreq he was instrumental in launching & managing some of the biggest product programs in the Asia Pacifi c

& the Middle East. His last assignment in cards was as Business Manager where he was managing the Cards issuance business at Mashreq. In his current role as Head of Liabilities, he manages Mashreq’s retail liability portfolio and is also responsible for the remittance business.

Rémi De Fouchier, GemaltoVice President, Marketing & Communication: Telecommunication DivisionRémi de Fouchier joined Gemalto in 2004 and currently serves as Vice-President, Marketing Communication for the Telecommunication Business Unit. In this role Rémi is leading the development and deployment of key global campaigns supporting business growth and strategy execution across the wide range of products, solutions and services, encompassing activities such as Machine-to-

Machine, Mobile Financial Services, NFC and Mobile Marketing. Prior to this role Rémi was in charge of the Trusted Service Management business unit where he led the development of the company mobile contactless initiatives. He has also served as Gemalto Chief Procurement Offi cer. Rémi de Fouchier is a Member of the Board of Global Platform Mr. de Fouchier began his career in 1993 as a consultant for a communication and advertising company. In 1995, he joined Thales, Europe‘s leading defense and aerospace electronics company, where he acted as Business Development Manager for the Indian subcontinent, based in New Delhi. In 1997, he was appointed Sales Manager of Thales Naval Systems, specializing on Asian countries. He joined Vivendi group’s pay TV arm Canal+ in 2000 where he acted as head of sales for Asia Pacifi c for the technology and software activities. He was then promoted to Vice President, in charge of Strategy. Born in 1970 in Paris, Rémi de Fouchier graduated from Institut d’Etudes Politiques (Sciences Po) and holds a Master in Political Science from La Sorbonne Paris University.

Stephen Foster, du | Emirates Integrated Telecommunications Company PJSCDirector: Financial Services - CommercialStephen is Director of Mobile Financial Services at du, a quad play telecoms service provider in the UAE. Stephen is responsible for du’s Mobile Financial Services and Mobile Commerce strategy, partner ecosystem, product development and commercialization. Prior to joining du, Stephen was the Mobile Money Programme Lead at Qatar Telecom (Q-Tel) where in 2010 he led the successful Launch of

their Mobile Wallet platform and Mobile Money propositions. Stephen also established the “Quick Tap” NFC payments programme at Orange UK working in close collaboration with Barclaycard and other partners. Stephen has also delivered a number of consultancy assignments for Tier 1 organizations such as Orange/France Telecom. Vodafone, Thales, MTN and Google in the fi elds of Mobile Product Development, Mass Transit Ticketing and spectrum licence bids/auctions. Stephen has an MBA in International Business from ESCP-EAP.

Peter B. Schultz, MasterCard WorldwideVice President, Mobile Payments: Middle East and North AfricaPeter joined MasterCard in 2011 and serves as Vice President, Mobile Payments in Middle East & North Africa. In this role, Peter is responsible for the development and commercialization of interoperable mobile payment products and solutions in MENA that create a sustainable competitive advantage for MasterCard and its customers. Peter is working with banks, telcos and other partners across MENA to enable open loop mobile payments including proximity payments and remote

payments. Prior to this role, Peter worked for 12 years in the telecommunications industry enabling and optimizing international roaming between telcos.

Mohamed Roushdy, Bank NizwaChief Information Offi cerWith more than 23 years of IT experience in IT of which more than 12 years as a CIO/COO in Financial Services (Conventional and Islamic, 10 years in Islamic Finance). Mohamed Roushdy had been working for major fi nancial services, conglomerate and software services companies in the region. He had the distinction of leading the technology team and being the fi rst member of the executive management in establishing one of the most prominent fi nancial services organizations in UAE in a

record time, as well he led the IT team on the fi rst ever conversion of conventional Bank into Islamic Bank (National Bank of Shrajah into Sharjah Islamic Bank back in 2001). Mohamed worked for Major Financial services organizations such as Commercial International Bank – Egypt, Al Ahli Bank of Kuwait, Abu Dhabi Islamic Bank (ADIB), Al Hilal Bank, Sharjah Islamic Bank, as well worked as an Advisor with Booz and Co. in establishing the fi rst Islamic Bank in Libya (Libya Qatari Bank). Currently Mohamed hold the position of Deputy General Manager - Chief Information Offi cer for Bank Nizwa, the fi rst Islamic Bank in the Sultanate of Oman. Mohamed has a strong expertise in IT strategy, Governance, Applications Services, Networking, Information Security and Infrastructure management. Mohamed has been a speaker in many conferences in the GCC and Europe and holds a MBA from Manchester Business School. Mohamed has been rated amongst the top 50 CIOs in the Middle East 2012 by CNME magazine and had been nominated as one of the technology leaders in Middle East by FT Summit in many years. He is a member of the CIO Arabia group and British Computer Society.

Elvino Krizmanic, InfobipHead of Global Enterprise SalesElvino Krizmanic is responsible for the enterprise sales strategy planning and implementation within Infobip. Cooperating closely with Infobip‘s Operator partnerships and Products and solutions dpt., he works towards bringing new opportunities to the enterprise business development. He leads an international team of capable sales professionals and travels extensively, helping fi nancial institutions to improve their performance by adopting advanced mobile technologies. Prior to Infobip, Elvino

worked in various sales executives and business development positions in one of the leading national FMCG companies. He holds a bachelor‘s degree in economics.

Hussain Mazhar, Gulf International BankSenior Vice President and Head of Customer SolutionsI consider myself a disruptor in traditional Retail Banking. As Head of Customer Solutions, I am involved in launching the fi rst online bank in the GCC with mobile banking as the primary channel. The solution is highly innovative, holistic and well integrated that uses apps and widgets to provide exceptional and consistent customer journey at all touch points (smart phone, tablet, laptop/desktop, contact center and branches). Social media integration is an important part and customer control and

customer experience are the foremost considerations. An executive with more than 26 years work experience – last 15 years focused on Retail Banking across Middle East & South East Asia. Proven ability to launch Retail Banking in several Banks – including research, strategy, branding, fi nancial planning, project management, products and services, team building and managing.

Khawaja M. Almas, Allied Bank LimitedGroup Chief, Commercial and Retail Banking GroupKhawaja Muhammad Almas is the Group Chief of Allied Bank’s Commercial and Retail Banking Group since July 2012. ABL is one of the largest banks in Pakistan. Khawaja is a seasoned banker with close to 30 years of experience across corporate, retail, commercial, trade fi nance, banking systems, operations and technology within ABL. He is currently managing ABL’s commercial and retail banking group where he is responsible for the bank’s assets and liabilities business, marketing, service

quality and he is managing a customer base of over 2.5 million customers across 875+ branches and manages a network of about 700 ATMs. Prior to this role, he was the Group Chief of the bank’s Business System Implementation Group and Head of User Team the Core Banking Software Project. He was responsible for implementing the bank’s core banking system where responsibilities included process reengineering, business transformation, design of KYC systems, implementation of T24, data cleanup, unit testing and project management. Khawaja holds a Masters of Business Administration and Diploma in Computer Sciences from the University of Punjab – Lahore. He is also an Associate Member of the Institute of Bankers in Pakistan and also passed on training on various subjects, across Pakistan and outside.

Tariq Razi, Dubai Islamic BankVice President and Head of Asset Products: Consumer Banking GroupTariq is the Head of Products within Dubai Islamic Bank‘s Consumer Banking Group in the UAE. Tariq‘s responsibilities comprise development, implementation, marketing, and profi tability of consumer asset product propositions including credit cards. With more than 15 years of experience, prior to Dubai Islamic Bank Tariq has worked in Citibank, Shell, and Nestle. Tariq has an MBA and Chartered

Accountancy background.

Booking Line: + 971 4 6091564, fax: + 971 4 6091589


SPONSOR PROFILE

Strategic Partner: Union National Bank Union National Bank (UNB) is a public joint stock company incorporated under the laws of the United Arab Emirates in 1982. UNB is the only bank in the UAE with signifi cant shareholdings by the Governments of both Abu Dhabi (50%) and Dubai (10%). The remaining 40% of the shares are publicly held. The shares of UNB are listed on Abu Dhabi Securities Exchange. UNB operates through a wide network of branches and ATMs throughout the UAE. UNB has extended its reach to Egypt through a successful acquisition of the erstwhile ACMB and currently operates in the country as UNB Egypt through a number of banking centres. It has ventured into Doha with a branch at the Qatar Financial Centre and has also opened a representative offi ce in Shanghai China, being the fi rst bank from the region to do so. Following approvals, UNB’s Kuwait Branch has been opened with a soft launch and is operational since Oct 2012. UNB‘s subsidiaries include, Union Brokerage Company (UBC) which provides brokerage services for clients at the Abu Dhabi Securities Exchange and the Dubai Financial Market, Al Wifaq Finance Company (AWFC) offering Shari’a compliant products and services to the growing Islamic banking market and INJAZ Marketing Management which provides marketing management related services, including the planning, execution and marketing of products and services for UNB through a dedicated team of professional sales and marketing representatives. For many years, UNB have been a recipient of several awards in various categories on quality and excellence in addition to the recognition and awards conferred on UNB’s visionary CEO, Mr. Mohammad Nasr Abdeen.

Premium Gold Sponsor: FIS Global FIS is the world‘s largest global provider dedicated to banking and payments technologies. Our comprehensive range of products and services combine to deliver end-to-end solutions for core banking and card payments. Our fl exible approach to the market means that our customers can chose to buy licensed software, have FIS deliver an applications management service or rely on us for a full outsourcing relationship. Our customers know that FIS has the scale to handle the most complex projects with expertise and outstanding customer service. Our laser focus and commitment to operational excellence makes FIS a partner you can rely on, offering local sensibility on a global scale. With a long history deeply rooted in the fi nancial services sector, FIS employs over 32,000 people and serves more than 14,000 institutions in over 110 countries including 40 of the top 50 global banks. We are focused on deploying cutting edge, scalable technologies and solutions that enable fi nancial institutions to deliver innovative and effi cient products and services to their customers. For more information about how our global team of local experts could help your business, e-mail us at emea.marketing@fi sglobal.com or visit our website - www.fi sglobal.com.

Gold Sponsor: Wipro Limited Wipro Limited (NYSE:WIT) is a US $ 7 Billion leading Information Technology, Consulting and Outsourcing company, that delivers solutions to enable its clients do business better. Wipro Infotech is the India and Middle East focused IT business division of Wipro Limited. Wipro delivers winning business outcomes through its deep industry experience and a 360° view of “Business through Technology” – helping clients create successful and adaptive businesses. A company recognized globally for its comprehensive portfolio of services, a practitioner’s approach to delivering innovation and an organization wide commitment to sustainability, Wipro’s IT business has over 135,000 employees and clients across 54 countries. For information visit www.wipro.com or mail [email protected]

Gold Sponsor: Istanbul Gold Refi nery Founded in 1996 by a group of leading corporations, Istanbul Gold Refi nery is the largest precious metal refi nery in Turkey. Along with full-scale assaying, refi ning, melting and laboratory services, IGR offers silver bars and LBMA approved gold bars available for sale at banks, fi nancial institutions and bullion dealers. IGR’s ‘Collecting Scrap Gold with Banks’ project, which is being carried out in conjunction with several banks in Turkey, has brought a signifi cant amount of previously unregistered gold into the banking system. IGR is strategically located in Istanbul, just 3 kilometers away from Ataturk International Airport, and has offi ces in Germany, Spain, United States of America, United Arab Emirates, Hong Kong, and coming soon United Kingdom. Istanbul Gold Refi nery’s global reach and wealth of experience makes it your reliable business partner.

Premium Silver Sponsor: VERiPARK VeriPark is a software house specialized in providing multichannel delivery and CRM solutions to fi nancial institutions. The company employs 130 staff and it is headquartered in Istanbul and has branch offi ces in Dubai and Cairo.The company has specializations in the following areas:• CRM implementations for retail and corporate banking which covers new customer enrolment, 360 single

view, contact center and branch automation.• Internet banking, call center, kiosk and mobile banking applications including iPhone and iPadVeriPark is a Microsoft Gold Partner and received the “2010 Dynamics Partner of the Year Award” in the world for Financial Services Industry. VeriPark’s major customers are Akbank, ING Bank Turkey, Mashreq Bank UAE, Is Bankasi, Denizbank and DubaiBank.

Silver Sponsor: FICO FICO (NYSE:FICO) is a leading provider of analytics and decision management technology. FICO delivers superior analytics solutions that drive smarter decisions. The company´s groundbreaking use of mathematics to predict consumer behaviour has transformed entire industries and revolutionized the way risk is managed and products are marketed. FICO helps businesses automate, improve and connect decisions across organizational silos and customer lifecycles. The portfolio includes industry-leading solutions for managing credit accounts, identifying and minimizing the impact of fraud, and customizing consumer offers with pinpoint accuracy. It also comprises tools, which enable businesses to create their own decision management applications and models, as well as analytics (predictive models, optimization and portfolio analytics) and professional services. Most of the world‘s top banks, leading insurers, retailers, pharma businesses and government agencies rely on FICO to accelerate growth, control risk, boost profi ts and meet regulatory and competitive demands. Learn more at www.fi co.com. FICO: Make every decision count.

Silver Sponsor: Backbase Backbase delivers Bank 2.0 Portal software that provides a new, user experience layer on top of underlying infrastructure and IT systems. It gives fi nancials the opportunity to create interactions that link customers to relevant information and applications to fi t their needs and preferences. With its modern, widget-based architecture Backbase Bank 2.0 Portal provides the fl exibility and speed to create modern portals that truly empower the customer. Unlike most traditional IT portal vendors, Backbase has created a contemporary, business-driven portal solution that makes portal management easy for e-business professionals. This means faster time to market and more fl exibility to optimize online channels with less IT support. The unique Backbase approach enables fi nancials to drive self-service, fuel online revenues and turn their online banking channel into a true Customer Engagement Platform. Global fi nancials such as ABN Amro, AIG, Al Rajhi Bank, Bank of America, Barclays, ING, UBS and Visa have improved their online customer interactions and maximized online customer experience, retention and conversion, by leveraging Backbase’s Bank 2.0 technology. Backbase was founded in 2003 and is privately funded with operations in New York, Amsterdam, London, Moscow and Singapore.

Silver Sponsor: EXUS EXUS provides specialised software solutions in 20 different countries and for more than 300 customers in the banking, telecoms, utilities and hospitality sectors. EXUS Financial Suite, EFS, is a comprehensive suite of fi nancial products, aimed at delivering exceptional value through integrated knowhow and superior functionality. The suite includes EFS Collection & Recovery, EFS Origination and EFS Scoring. We have developed close partnerships with global software technology providers, including Microsoft, Oracle and Sitecore, and we were proud to be the fi rst software company in Europe to win EFQM’s 5-star Recognised for Excellence rating. We have also been ranked as one of the fi nancially strongest companies, in ICAP’s 2010 ratings.

Silver Sponsor: SunGard SunGard is one of the world’s leading software and technology services companies. SunGard serves approximately 25,000 customers in more than 70 countries and has approximately 17,000 employees. SunGard provides software and processing solutions for fi nancial services, education and the public sector. SunGard also provides disaster recovery services, managed IT services, information availability consulting services and business continuity management software. With annual revenue of over $4.0 billion, SunGard is the largest privately held software and services company. For more information, please visit www.sungard.com.

Analytics Partner: Axslogic Pte Ltd Axslogic offers a combination of Risk Management products and Knowledge Outsourcing Services for Financial Institutions, which would also be bundled as Software as a Service (SaaS). Axslogic provides a range of analytical services (knowledge outsourcing) and tools (risk systems) in the area of Credit and Fraud Risk. These services and tools are innovative and of superior quality built by users for users and offered at a low price to become

easily accessible to many diverse clients. The bundled SaaS offering are specifi cally designed to provide the businesses access to best-in-class in Risk Management, thereby demonstrating continuous business improvement while continuing to offer their own clients a superior customer experience. This enables the businesses with early identifi cation of new forms of risk issues, thus substantially enabling business improvement and growth while reducing potential and on-going losses.

Associate Sponsor: SAB SAB, headquartered in Paris, 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 empowers banks and fi nancial institutions in the following fi nancial sectors: Universal Commercial wholesale and Retail banks, Private banking institutions, Financing & Investment companies and Islamic fi nancial institutions. SAB has full-fl edged R&D and support centers in Paris, Vannes, Monaco, Beirut and Tunis with a global offi ce network in New York, Luxemburg, London, Istanbul, Dubai, Riyadh, Tehran, Nairobi, Jakarta, Kuala Lumpur and Singapore. 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. Additionally, as part of its universal offering, SAB provides Business Process Outsourcing, Facilities Management and SaaS. SABReady is SAB AT Model Bank that provides a comprehensive localized core banking solution including products, parameters, security policies, advices, reports, statements, workfl ow, work procedures and documentation based on SAB exposure and experience with its 150 implementations around the globe. SABReady is a localized global experience which can customized to adapt to the bank’s specifi c requirements. For more information, please visit www.sab2i.com

Bronze Sponsor: Polaris Financial Technology Limited Founded in 1993, Polaris Financial Technology Limited is a leader in Products, Solutions and Services that enable unprecedented operational productivity for the global Financial Services industry. The company offers state-of-the-art solutions for Core Banking, Corporate Banking, Wealth & Asset Management and Insurance. Polaris has a talent strength of over 13,114 solution architects, domain and technology experts. Polaris is the chosen partner for 9 of the top 10 global banks and 7 of the 10 top global insurance companies. It believes that relationship, expertise, technology, Intellectual Property and Global Reach are the routes that enable the company to come closer to its customers worldwide. Polaris is headquartered in Chennai and has offi ces in all global fi nancial hubs. For more information, please visit http://www.polarisFT.com/

Bronze Sponsor: Dun & Bradstreet (D&B) Dun & Bradstreet (D&B) is the world’s leading provider of business knowledge and insights with presence in over 200 countries. Established in 1841, D&B is a NYSE listed company and is consistently ranked among top 3 most admired companies by Fortune. D&B has a strong local presence with regional headquarters in DIFC, Dubai and ten local offi ces across Middle East, Africa and South Asia. Our banking solutions comprise of Analytical Models, Risk Management Platforms and Information Management solutions by leveraging on strong domain knowledge, global modeling expertise, latest analytical technologies and awareness of local factors. Seven of the top ten banks in UAE and several other banks in region rely on D&B solutions to reduce risks, increase revenues and improve portfolio performance.

Bronze Sponsor: Adastra Business Consulting Adastra Business Consulting is a boutique consultancy which focuses on business model optimization especially in the fi elds of Risk Management, Sales and Marketing for Banks, Consumer Finance, Telco Operators and Insurance companies. ABC has successfully delivered over 90 projects within 25 countries in the CEE and Asia regions. Our engagements have had immediate results while signifi cantly improving the clients’ business both from a short-term and a long-term perspective. Our core values are result orientation, hard work and honesty.

Bronze Sponsor: Infobip Infobip is a global telecommunications specialist with years of experience in mobile services for enterprises, fi nancial institutions and mobile operators, allowing them to reach 5,9 billion devices in 190 countries. Infobip maintains a robust technological platform with over 90 000 business accounts. Developed entirely in-house and backed by 24/7, highly skilled support, our solutions are offered in a cloud, smoothly integrating with any system or platform. The portfolio is known for its security, fl exibility and highest quality of service. A trusted partner of banks and insurance companies, Infobip is operating in more than 20 offi ces around the globe - Dubai, Istanbul, London, Moscow, Kuala Lumpur, Johannesburg, Vancouver, Buenos Aires and many more. Due to strong research and development, as well as powerful local presence, we are able to fully understand clients‘ requirements, and support them as they implement advanced mobile technologies to improve business operation. Our mGate product, as well as the USSD technology, is used by the leading global fi nancial institutions of today. Infobip is an associate member of the GSM Association and Mobey Forum. Please contact Infobip for additional information at [email protected] or visit www.infobip.com

Supporting Sponsor: Bahrain Islamic Bank Bahrain Islamic Bank (BisB) was established in 1979 as the fi rst Islamic commercial bank in the Kingdom of Bahrain, The authorized capital is BD 100 million and paid up capital is BD 93.967 million. Since its inception, BisB has recorded a steady growth. At the end of 2011, the shareholders’ funds reached nearly BD 100 million Bahraini Dinars, with assets in excess of BD 839 million. The Bank had recently launched its new identity with the core objective of radiating its new and fresh mandate of exceeding expectations, both from an inspirational and a functional perspective. The Bank has been maintaining its leading position in the Islamic banking sector through adopting innovative Islamic investment and fi nancing products, supported by superior retail and corporate banking services. The Bank is listed on the Bahrain Stock Exchange. The major shareholders are leading local and regional fi nancial institutions. The Bank operates under supervision and the regulatory framework of the Central Bank of Bahrain. The Bank, with 13 local branches, has established the largest network among Islamic banks in the Kingdom. These branches offer quality banking services, fi nancing and investment opportunities compliant with Sharia’a requirement for individual and corporate customers.

Event Partner: Gemalto Gemalto is the world leader in digital security and at the heart of the rapidly evolving digital society. Billions of people worldwide increasingly want the freedom to communicate, travel, shop, bank, entertain and work, in ways that are enjoyable and safe. Gemalto delivers on their expanding needs for personal mobile services, payment security, authenticated cloud access, identity and privacy protection, eHealthcare and eGovernment effi ciency, convenient ticketing and dependable machine-to-machine (M2M) applications. The company develops secure embedded software and secure products which we design and personalize. Our platforms and services manage these secure products, the confi dential data they contain and the trusted end-user services they enable. Our innovations enable our clients to offer trusted and convenient digital services to billions of individuals.

Exhibitor: Virtual Technologies – Virtech Virtual Technologies – Virtech - specializes in leading edge technology and services that empower retail fi nancial institutions to address challenges while building a differentiated and sustainable competitive advantage. Our Virtual Branch platform – VB is designed to address the changing fundamentals of retail banking as they shift from a business led to customer centric model. The VB not only offers the convenience associated with self service systems, but more importantly allows the delivery of engaging “personalized” service through use of video conferencing. Combined with interactive technology and brand experience services, we work with institutions to design and outfi t fl agship smart branches to provide customers with an unforgettable experience, leaving lasting brand impressions as well as tangible results to the bottom line.

Exhibitor: GPS | Global Payment Services Global Payment Services (GPS) is a Third Party Processor specialized in electronic payment services providing comprehensive and integrated services related to card payment business activities. GPS is empowered by knowledgeable expertise, the technology of PowerCARD, Oracle and IBM. Our system is certifi ed by Visa, MasterCard, JCB and BENEFIT/GCC-Net. Our advanced and fl exible technology enables us to offer you a wide range of Third Party Processor services to support your Bank in issuing Credit, Debit, Corporate, Private Label and Loyalty cards, Merchant Acquiring, ATM/POS Driving, ATM/POS routing and switching, in addition to card Personalization and Statement Printing and Mailing Services. Our aim is to assist our customers to better control their cost by outsourcing their non-core business activities that helps them focus on their core competencies.

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