visit our website:

www.fleminggulf.com

Understand the ongoing regulatory challenge in Africa’s retail banking

Explore opportunities in emerging markets

Generate profitable retail assets and retail liabili ties business

Learn on how to control consumer lending concerns

Benefit from adapting islamic Finance principles in your retail bank to win customer trust

Analyze how effective your distribution channels are to reach the unbanked population

Meet and network with the market leaders operating on both local and global scale

2nd & 3rd November 2009Post Conference workshop on 4th November 2009

Jw Marriott, Cairo, egypt

Building Africa’s most Lucrative Retail Bank

FIND YOUR REASONS TO ATTEND

YOUR PRESTIGIOUS SPEAKER PANEL

silver sponsor: Associate sponsor: supporting sponsors: endorsed by:supporting bank: Media Partners:

Dr. Ashraf Gamal – PhD, Egyptian Institute of Directors Executive Director

Basel Mohamed Bahaa El Din El-Hini Banque Du Caire, Egypt Managing Director

Humayun Rashid, Commercial International Bank, Egypt CEO – Consumer Banking

Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance, South Africa Chief Executive Officer

Najmul Hassan, Gulf African Bank, Kenya Chief Executive Officer

Greg Barclay, Standard Bank Africa, South Africa Director – Lending, Personal & Business Banking

Ashish Bhugra, Citibank NA, Egypt Business Manager, Retail Bank

Abhinav Nehra, United Bank of Africa Plc Former Group Director – Global Products Sales Division

Ashraf Bibars, Bank of Alexandria General Manager, Retail Banking

Mohammed Mustapha Bintube, Jaiz Inter-national Inc., Nigeria Managing Director and CEO

Thomas Matthew, Citibank NA Country Marketing Director | Cards & Loans Business Manager

Yasser Abdel Wahab, Banque Misr, Egypt Deputy General Manager, Retail Banking & SME | Head of Small & Medium Enterprises

Dr. Moses Khanyile, ABSA Bank, South Africa General Manager, Strategy & Business Sustain-ment | AllPay Consolidated Investment Holdings (Pty) Ltd.

Mian Muhammad Nazir, Dar Al Sharia | Dubai Islamic Bank, UAE Senior Vice President

Ahmed El Karm, Amen Bank, Tunisia General Manager

Emad El Sahhar International Islamic Retail Banking Specialist

Caglar Gogus, Peppers & Rogers Group Managing Partner

Tamas Erni, LOXON Solutions Ltd Partner

Steve Britton, Mi-Pay Sales Director

CONFERENCE CHAIRMAN Abhinav Nehra, United Bank of Africa Plc Former Group Director – Global Products Sales Division

WORKSHOP LEADERS

Ravi Shankar Chaturvedi, Sunny Side Up Chief Mentor

LeADers PANeL sessioN: building Africa’s retail bank

PANeL DisCussioN: road Map to the Future – scope and Development of islamic retail banking in the region

HOT SPOTS

solutions

RETAIL BANKING AFRICA 2009

THE ADVISORY COUNCIL

Ceo’s, Group Managing Directors, senior vice Presidents, Directors, Heads & senior Managers of: retail banking, Consumer banking, Personal banking, branch banking, Direct banking, Consumer Finance, Consumer Lending, retail Assets, retail Liabilities, Product Development, islamic Financial services, business Development, Mortgages, Cards, Loans, Alternate Channels, Delivery Channels, electronic banking, Mobile banking, Direct Channels, retail technology, and business banking.

with a population of over 900 million people, Africa is certainly the land of opportunities for retail banks. From people in the low income sector to the high net worth individual, Africa has it all for making a profitable retail banking business.

Knowing that almost 75% of Africa’s population is the unbanked, retail banks can still leverage the opportunity by reaching these unbanked people and provide them with up to date banking facilities. You being an African retail banker might be wondering on a numerous issues such as:

• Howtoreachtheunbankedpopulation?

• Howtogenerateprofitablebusinessthroughassetsandliabilities?

• Whataretherightdeliverychannels?

• Howtoleveragewithmarketing&brandmanagement?

• Whatcanbetheidealconsumerlendingstrategy?

• Howtotaptheemergingmarkets?

Andaboveallthequestionofthedayis–HowtobuildaLucrativeRetailBankinAfrica?

Join us at this prestigious five star event, share your experience and knowledge, network with your industry peers and business partners and let this conference start off a new success story at your organization.

retail banks, Commercial banks, islamic retail banks, Consumer Finance Companies, Credit Card Companies, retail banking service Providers, Card solution Companies, vendors and Consultants.

Humayun Rashid Commercial International Bank CEO – Consumer Banking

Ebrahim (Ebi) Ahmed Patel FNB & WesBank Islamic Finance Chief Executive Officer

Abhinav Nehra, United Bank of Africa Plc Former Group Director – Global Products Sales Division

Ashish Bhugra Citibank NA, Egypt Business Manager, Retail Bank

Yehia El Agami Banque Misr General Manager, Retail Banking & SME

Shiba Ghosh First City Monument Bank Plc SVP – Head of Consumer Banking

Walter Volker Payments Association of South Africa Managing Director

Anver Versi African Banking Magazine Chief Editor

Mohamed El Banna, Galaxia International Service Chief Compliance Officer

The 2009 advisory council will aid in the quest for providing high quality education on the most significant topics to ever impact Africa’s retail banking sector.

WHO MUST ATTEND

CONFERENCE OVERVIEW

INDUSTRIES INVOLVED

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

Day 1: 2nd November 2009

8:15 Registration and Coffee

8:45 Welcome Note from Fleming Gulf

8:55 Opening Remarks from the Chair Abhinav Nehra, United Bank of Africa

MARKET FORECAST & OPPORTUNITIES

9:00 KeYNote Economic Trends and their Impact on Africa’s Retail Banking

• OverallMacroeconomictrendsofAfrica• TheRoleofRiskManagementtosustainprofitablebusiness• ConsumerBankingPotentialsintheregion• ProfitableRetailBankinginitiativesforthefutureBasel Mohamed Bahaa El Din El-Hini, Banque Du Caire, EgyptManaging Director

9:30 The Importance of Corporate Governance for African Banks

• MeaningofCorporateGovernance• RuleofCorporateGovernanceintheBankingsector• WaystoimproveCorporateGovernanceinBanksDr. Ashraf Gamal – PhD, Egyptian Institute of DirectorsExecutive Director

10:00 Potentials of Retail Banking in the region• ConsumerMarketOverview–Egypt,Nigeria,SouthAfrica,Kenya• ProspectofWealthManagementintheseregions• EvolutionStagesinConsumerBanking• KeyLearningsfromAfrica’sbestmarkets• ProductInnovationOpportunitiesAbhinav Nehra, United Bank of Africa PlcFormer Group Director – Global Products Sales Division

10:30 Morning Coffee, Exhibition and Networking

SUCCESSFUL MARKET EXPANSION STRATEGIES – HOW TO REACH THE UNBANKED

11:00 CAse stuDY Changing the Landscape of a Retail Bank

• Howtoharnessanddevelopgoldmineopportunitiesindomesticretail banks.

• Adaptingtointernationalstandardsindomesticbanks.• Howtoleveragebranchnetwork&movefromtransactional

banking to product focus and from there to relationship banking focus.

• Developing&implementingstandards&KPIs.• Revisitingpolicies,procedure&compliancepractices.• Changemanagement&silomentality.• Howtosegment&havetheorganizationfocusondevelopinga

profitable consumer franchise.Humayun Rashid, Commercial International Bank, EgyptCEO – Consumer Banking

11:30 CAse stuDY Portable Banking – Target the Unbanked with a Portable Kit

• PortableBank&theBranch–What’stheDifference?• EvaluatetheSizeandCommercialPotentialoftheMarket• CostEffectiveness• OpportunitiesinCross-Selling• FutureTrends–PortableElectronicBankingServicesDr. Moses Khanyile, ABSA Bank, South AfricaGeneral Manager, Strategy & Business Sustainment | AllPay Consolidated Investment Holdings (Pty) Ltd.

12:00 LEADERS PANEL SESSION: Building Africa’s Retail Bank

• Developalongtermstrategy• RoleofPrivateEquity&VentureCapitalFirms• AdaptaCustomerCentricityformulainproductdevelopment• Identifyprimemarkets• Expandbranchnetworks–EmergingMarkets• LookbeyondOrganicGrowthModerator:Abhinav Nehra, United Bank of Africa PlcFeatured Panelists:Humayun Rashid, Commercial International BankGreg Barclay, Standard Bank Africa

Ahmed El Karm, Amen BankDr. Moses Khanyile, ABSA Bank, South AfricaBasel Mohamed Bahaa El Din El-Hini, Banque Du Caire, Egypt

12:30 Luncheon and Prayer Break

BUILDING PROFITABLE BUSINESS THOURGH EFFECTIVE RETAIL MARKETING, SMALL MEDIUM SECTOR, ISLAMIC FINANCE & BY CONTROLLING CONSUMER CREDIT

14:00 Gaining competitive advantage with effective risk management in retail banking

• Aconceptofbuildingendtoendlendingprocesses:integratedriskand return

• Gainingreducedcycletimeswithadvancedscoringanddecisioningtechniques for retail

• IntegratedDataManagement:thefundamentalassetoftheriskmanager

• Automatingtheriskmonitoringsystem:customerand/ordealcentric approach

• Buildingupapreventivesystemofearlywarningsignalsandcollection scorecards

• IntegratingBaselIIrequirementsintothelendingprocessTamas Erni, LOXON Solutions LtdPartner

14:30 CAse stuDY Benchmark for Success – Best Practice in Small Business Finance

• MaximizingSalesProductivityofRelationshipManagers• AutomatingtheCreditProcess• CapturingthePersonalWealthofSmallBusinessOwners• CustomerExperience• DeliveryChannels–LookingBeyondBranchBankingYasser Abdel Wahab, Banque Misr, EgyptDeputy General Manager, Retail Banking & SME | Head of Small & Medium Enterprises

15:00 PANEL DISCUSSION: Road Map to the Future – Scope and Development of Islamic Retail Banking in the region

• GrowthOpportunitiesinAfricaIslamicBankingBusiness• Howcanbanksbuildacompetitiveedge?• TrackinginnovationsinEmergingMarkets• HRFocus–TalentManagement• ImportanceofProductBundlingandInnovation• InnovatinginEmergingMarkets• HowcanTechnologysupportIslamicFinancialSolutions?Moderator:Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic FinanceFeatured Panelists:Najmul Hassan, Gulf African BankMohammed Mustapha Bintube, Jaiz International Inc.Mian Muhammad Nazir, Dar Al Sharia | Dubai Islamic Bank

15:30 Afternoon Coffee, Exhibitions and Networking

16:00 CAse stuDY Reaching the market through effective Branding & Marketing Strategies

• UnderstandingMarketScenario• DevelopinganEducationalMarketingStrategyfortheConsumers• IdentifyingkeycustomersegmentsformarketingAshish Bhugra, Citibank NA, EgyptBusiness Manager, Retail Bank

16:30 CAse stuDY Structuring & Distributing Innovative Islamic Micro-Finance Products

• IslamicapproachtoMicroFinance• VariousIslamicmodelsforMicroFinance• InitiativesinIslamicMicroFinance• Challenges–WayForward• DistributionandaccessibilityofIslamicMicroFinanceProductsMian Muhammad Nazir, Dar Al Sharia | Dubai Islamic BankSenior Vice President

17:00 Closing Remarks from the Chair

17:10 End of Day 1

Speakers & Delegates are cordially invited to a

Networking Cocktail Reception

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

Day 2: 3rd November 2009

8:15 Registration and Morning Coffee

8:50 Opening Remarks from the Chair

BUILDING A PROFITABLE RETAIL BANK

9:00 CAse stuDY Branch Management Story at Bank of Alexandria

• UnderstandingBehaviourpatternsofConsumers• Identifywhatproductsellsandwhatdon’t• IdentifyLiberalizationPoliciesofeachmarket• ChallengesandRoadMapAshraf Bibars, Bank of AlexandriaGeneral Manager, Retail Banking

9:30 Shifting to a Customer Centric Banking Model• Howtounderstanddifferentcustomerneeds?• Salesandservicemodelsfordifferentsegments• Marketingefficiencyandsalesuplift–somehints• CustomerExperienceconvergenceinAfricanMarket• BenefitsandKPI’softheCustomerCentricModelCaglar Gogus, Peppers & Rogers GroupManaging Partner

10:00 PANEL DISCUSSION: Deploying a proactive HR Strategy in Retail Banks

• Managing&InvestinginLocalTalents• MakingthebankaCenterofExcellence• AttractingretailbankersfromMiddleEast&AsiaforProcess

Engineering• Generating&Retainingtheskilful• InvestinginTraining,Learning&Development

Featured Panelists:Humayun Rashid, Commercial International BankCEO – Consumer Banking

Caglar Gogus, Peppers & Rogers GroupManaging Partner

Ashraf Bibars, Bank of AlexandriaGeneral Manager, Retail Banking

10:30 Morning Coffee, Exhibitions and Networking

BENEFITING WITH INNOVATIVE RETAIL PRODUCTS & SERVICES – ROAD MAP

11:00 CAse stuDY Innovations in Developing Savings & Investment Products

• Savings&InvestmentstrendsinAfrica• Customizingvariouscuttingedgeproductsforspecificmarket

segments• LearningsfromMiddleEast&Asia• RoleofAlternateChannels• CriticalSuccessFactorsNajmul Hassan, Gulf African Bank, KenyaChief Executive Officer

11:30 Mobile Banking Solutions – For the Banked & Unbanked Consumers

• TheMobileasapayment/bankingChannel• ExtendingBankingServicestotheMobileUser• BankingtheUnbanked• BranchlessBanking• EffectiveFraudManagement

Steve Britton, Mi-PaySales Director

12:00 Retail Banking – The World Crisis & Ethical FinanceThis presentation will take you through the timelines of what happened in the world of banking across the last 18 months, where do banks stand right now and what is the road map for profitable retail banking. The speaker will drive through the challenges and opportunities the Economic Crisis has laid down for all bankers especially in the field of Consumer Lending. Mr. Emad El Sahhar who is an experienced Retail Islamic Banker will share his insights and vision on what is the Ethical Financial Solution for Retail Banks in this presentation.• ConsumerLendingandtheWorldCrisis o Market Auction o Looped Segment o How Leaders see the Crisis o Borrow wisely…!• CrisiscomeswithGreaterOpportunities o The Grameen Bank Story o Change we can believe in… o Dragging the Consumer Lending Market to a Healthy

Competition o Road MapEmad El Sahhar International Islamic Retail Banking Specialist

13:00 Luncheon and Prayer Break

14:30 PANEL DISCUSSION: Challenges & Opportunities in Developing a Robust Cards Business Profile

• Theneedfordiversityofproducts• Howtomatchclientsneeds&products?• AnalyzingCustomerSegments• IncorporatingBancassuranceoptionsinCards• Promotion:EffectiveMarketingStrategies• GainingCompetitiveEdgetostayaheadofcompetition• ProductionQualityFeatured Panelists:Thomas Matthew, Citibank NACountry Marketing Director | Cards & Loans Business Manager

Greg Barclay, Standard Bank Africa, South AfricaDirector – Lending, Personal & Business Banking

Emad El SahharInternational Islamic Retail Banking Specialist

15:00 OPEN DEBATE & DISCUSSION: Future of Retail Banking in Africa

• PotentialMarkets&PenetratingtoEmergingMarkets• OpportunitiesinConsumerCreditRecovery• RoleoftheConsumerTransactionBankingServices• IslamicRetailBankingastheFuture• Trends&OpportunitiesThe audience are all invited to contribute their insights about the potentials & future of the Retail Banking Business in Africa.

15:30 Close of the Conference & Closing Remarks from the Chair

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.Fahd Ali Akmal, Senior Conference Producerfahd.ali@fleminggulf.com

email: fahd.ali@fleminggulf.com, www.fleminggulf.com

9:00 – 12:30 Customer Centric Innovation: Creating and Nurturing Winning Products in the Marketplace

Workshop Overview:

This workshop will walk the participants through the building blocks of creating winning products in the marketplace. Each segment of the workshop highlights the necessary ingredients required to create and deliver the right product through the right channel to the right segment. Through a mix of case studies, team work, interactive discussions and individual reflection, this session aims to arm product champions and business leaders with the insights needed to innovate and win in an ever evolving marketplace.

Workshop Program:

• De-constructingInnovation• LearningfromFailures• ProductLineStrategy• ProductCreation• ProductNurturing:AnalyticsandtheFeedbackloop

Workshop Methodology:

• Theoreticalconceptsinbrief• Learningfrombestandbadpracticesofothers• Interactivediscussions• TeamWork:Learningfromoneanother• IndividualReflectionCourse Director Profile: Ravi Shankar Chaturvedi, Sunny Side UpChief Mentor

A senior business professional with over a decade of international experience in financial services, Ravi Shankar Chaturvedi has a track record of performance characterized by product innovations, analytics driven turnarounds, portfolio optimization, P&L management, and market expansion in the diverse and complex markets of Asia, Middle East andNorthAfrica.His professional experience is backed by an MBA from the reputed Asian Institute of Management, Philippines and the Copenhagen Business School, Denmark. A Dean’s list candidate at school, he specialized in Finance and General Management.InhisrecentstintastheHeadofProductsandPortfolioatAmericanExpressMiddleEastandNorthAfrica,Ravicreatedand managed multi currency carding solutions across 18 countries profitably and has been instrumental in introducing innovative products and in implementing pricing policies and optimization plans to steer the cards portfolio to profitability.A specialist in business and product strategy, his understanding of emerging markets and his insights into customer behavior and cultural nuances across continents enable him to lend his expertise to a diverse set of businesses and non profitsinthecapacityofanadvisor.HeiscurrentlytheChiefMentortoSunnySideUp,astartupcreativeagencywithagrowing client base in India, Singapore and the Middle East.

Post CoNFereNCe worKsHoP

Day 3: 4th November 2009

Meet Our Comprehensive Speaker Panel

Dr. Ashraf Gamal – PhD, Egyptian Institute of Directors

Executive DirectorDr. Ashraf Gamal is the Executive Director of the Egyptian Institute of Directors (EIoD), focusing on Corporate Governance in Egypt and the Arab Region and the Egyptian Corporate Responsibility Center working on the promotion of the concepts and application of CSR in Egypt. Dr Ashraf is a board member of Thebes International, board member and audit committee member of Al Ahlya Insurance Company, Board Member and Head of Audit Committee of Egyptian Resorts Company, ERC, the head of Audit Committee of Egyptians. He is also a member of the General Assembly of the Holding Company for Transportation. Dr. Ashraf is the Secretary General of Al Masry Foundation for Community Development, the National Coordinator for the EU project for Textile Development in Egypt, and a member of the youth and transportation committees of the National Democratic Party. He is also a member of the Pension Reform Plan Implementation Committee. He is an Associate Professor of Management, Faculty of Commerce, Cairo University. He holds a PhD degree from Manchester University, UK, and a Masters degree in Public Administration from Carleton University, Canada. He further holds a Bachelor degree in Business Administration from Cairo University with highest honor. Dr. Ashraf worked as head of Business Administration Department at Nile University for Graduate Studied, affiliated with the Ministry of Communication & Information Technology. Since 1997, he taught a large number of management and business courses in Egypt, the US, and the Gulf Area. He has extensive experience in designing and delivering training courses in management and organizational behavior to multinational and well as Egyptian public and private organizations. Dr. Ashraf works also as an advisor to the Minister of Investment, Egypt.

Basel Mohamed Bahaa El Din El-Hini, Banque Du Caire, Egypt

Managing DirectorMr. El Hini possesses 28 years experience in commercial and investment banking, and finance related areas, with in-depth knowledge of investment, structured finance, international project finance, financial advisory, structured trade finance, and syndication. Last 18 years in Managerial positions. Mr. El Hini (50 years old) started his career in Egypt as a banker with Misr Iran Development Bank, and then moved in the mid eighties to the Arab Petroleum Investments Corporation (APICORP) in Saudi Arabia where he stayed for a long time assuming a number of positions, till he became Middle East & North Africa Business Group Head. In early 2000 he relocated to Egypt and joined ABN AMRO Bank (the global financial institution) as Regional Head of Integrated Energy and Power. In 2002 he moved to Misr Exterior Bank as General Manager and Member of the Board. In 2004 he joined Banque Misr, Egypt‘s second largest bank, as General Manager, and a year later (2005) was chosen by Egypt‘s Minister of Finance, Dr. Youssef Boutros Ghali, as his Advisor with the responsibility of financial restructuring and reform of public ownership. At the beginning of 2008 Mr. El Hini joined NAEEM Group as Chairman & Managing Director of Naeem Financial Investments (NFI). In September 2008, Egypt‘s Prime Minister‘s Decree on the reformation of the Board of Directors of Banque Du Caire was issued, with Mr. El Hini selected as a Board member, and thereafter BdC Board nominated him Managing Director responsible for Credit, Corporate and Retail Banking. He was Past and present member of Boards of several companies, including Eastern Company, Bank of Alexandria, Sidi Kerir Petrochemicals Company, Egyptian Institute of Directors, International Company for Leasing (Incolease), and Ahleya Insurance Company. Certified Instructor of Structured Finance at the Central Bank of Egypt‘s Banking Institute, and at Cairo American University‘s Institute of Banking & Finance. Mr. El Hini graduated with a B.Sc. in Economics (1980) from Cairo University‘s Faculty of Economics & Political Sciences, and later earned his Masters degree in Economics from the American University in Cairo (1985).

Humayun Rashid, Commercial International Bank CEO – Consumer BankingMr. Humayun Rashid is the Regional CEO of Consumer Banking in the Commercial International Bank (CIB). Mr. Rashid is an MBA from USA & started his career with Citibank as a Corporate Banker. Later on he moved to Consumer Banking with Citibank and ABN Amro. In this Capacity he did country specific, strategic & regional assignments in Singapore, Pakistan, Holland, USA, Canada, Saudi Arabia, Dubai, Oman and Egypt. Mr. Rashid has a diversified background in Consumer Banking and Corporate Banking and has a proven track record in spearheading strategic initiatives, building and managing multiple teams. Over the past three decades Mr. Rashid has developed a specific model of “change management” which, if correctly applied, can convert a domestic retail bank into a successful consumer banking franchise. Mr. Rashid has shared his knowledge with each country he visited; he contributed as a visiting professor at Quaid-E-Azam University (Islamabad, Pakistan), later on he held the position of Advisory Board Member for UAE University and Higher Colleges of Technology, (UAE) & currently a guest speaker at the American University in Cairo (AUC).

Ashish Bhugra, Citibank NA, Egypt Business Manager, Retail BankAshish has had a 19 year association with Citibank having worked in India, Saudi Arabia, UAE & Bahrain and has gathered a diverse experience in Wealth Management, Branch Operations, Marketing & Business Management. In 2004, he was designated as the Country Business Manager for Citibank in Bahrain, where he has grown the franchise by 30% annually thereby making significant inroads into the Retail Banking space in the country. Ashish is also a member of the Retail Banking committee of the Bankers Society of Bahrain. In this role he was actively engaged on behalf of the Central Bank of Bahrain in designing & implementing the ‘code of best practices’ for Retail Banks. Citibank Bahrain has received the Best Internet Bank award by Global Finance in 2005, 2006, 2007 & 2008. Additionally, in 2007 Citibank Bahrain was felicitated with the ‘Best workplace award’ and in 2008 for the ‘Best Loans portfolio’ in EMEA. The business also received 4 Regional awards in 2008 on their Cards portfolio. Effective Aug 2009, Ashish has moved to a new assignment in Cairo as the Country Business Manager for Citi’s Global Consumer Group, Egypt. Ashish joined Citibank in 1990 in India. He holds a double MBA degree from Birla Institute of Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.

Dr. Moses Khayile, ABSA Bank, South Africa General Manager, Strategy & Business Sustainment | AllPay Consolidated Investment Holdings (Pty) Ltd.Moses’s career pursuits have taken him from being in liberation movement, to public service, academia and now private sector. He is currently serving as General Manager within Absa Retail Bank and the Chairperson of the bank’s Transformation and Diversity Forum. He has spent two decades in the public service, where his last assignment was that of being the Director responsible for overall strategic planning in the Department of Defence, in support of the Secretary for Defence and the Minister of Defence. In the academic arena, he has served as a senior researcher and guest lecturer at various academic institutions

and has published numerous papers. In addition to receiving executive management training locally and abroad, Moses holds Master of Arts, Master of Business Leadership and PhD degrees. He has strong passion for community development as evidenced by community projects that he conducts in the rural areas in his personal capacity.

Greg Barclay, Standard Bank Africa Director – Lending, Personal & Business BankingGreg has obtained both a Financial Management and Business Management Diploma from Damelin Management School and The Institute of Commercial Management (UK); completed Robert Coopers “Excelling in a Changing World: Reaching the Next Level and Beyond”, Advanced leaders LLC USA; Leadership for the Cutting Edge, Gordon Institute of Business Science; Standard Bank Global Leadership, Duke Corporate Education (USA). After completing his National Service in The South African Navy in 1991, Greg joined Standard Bank on a career Development programme after which he joined the Vehicle & Asset Finance Division working in various positions from Business Development to Structured Finance Analyst. In 1999, Greg joined Citibank South Africa in the Asset Finance Division as a Business Development Manager and was later promoted to National Sales Manager focusing on corporate lending and acquisitions. In 2003, Greg had the opportunity to join Barclays Africa where he was part of a team that developed and rolled out a Vehicle and Asset Finance products across Africa. This is where he started to realise the diversity, excitement and opportunity Africa presented willing investors. In 2005 he was promoted to Director Vehicle and Asset Finance, Barclays Africa & Middle East where he gained experience in other emerging markets outside of Africa such as UAE and India. In 2007, Greg rejoined Standard Bank to Head up Vehicle and Asset Finance for Africa and has subsequently been promoted to head up the total lending portfolio for Standard Bank Africa Personal and Business Banking including, Unsecured Lending, Home Loans and Vehicle and Asset Finance. Greg believes that the opportunity in Africa lies in its diversity.

Yasser Abdel Wahab, Banque Misr, Egypt Deputy General Manager, Retail Banking & SME | Head of Small & Medium EnterprisesMr. Yasser Abdel Wahab is graduated from Faculty of Engineering Cairo University in 1987. With the engineering background, he has almost 12 years of experience in Project management, Knowledge about diversified sector of industries and technologies, and Integrated development with a special focus on hotels, and Tourism. Being for 13 years in the Social Fund for Development, and as the assistant director general of the Small Enterprise Development Organization, his responsibilities covered Entrepreneurs and SMEs needs, SMEs supporting Mechanisms, Business Development and support, Institution Capacity Building, and International Cooperation. During his work in SFD, Eng. Abdel Wahab Participated in Preparation of the national Training Curriculum for SMEs in cooperation with the International Labor Organization, Developing of the National Strategy for Chain Value Management with the International Trade Center, Setting and Implementing International Business, and Financial agreements for supporting and financing SMEs in Egypt with (Italy, India, China, Canada, USA, UK, and other countries), In addition to Implementing International agreement for Non-Conventional loans for SMEs in Egypt with China and Italy. After almost a year and a half in Banque Misr, being the Deputy General Manager of Retail & SMEs, and heading the SMEs Department, he was able to Setup the SMEs‘ Strategy of the bank, train the SME staff, structure SMEs actively & establish the necessary infrastructure inside the bank. The first SMEs‘ product in Banque Misr will be launched within the coming few weeks

Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance, South Africa

Chief Executive OfficerEbrahim Patel, who has always been recognised as an innovator and maverick, is also the architect and engineer of IslamicFinance in South Africa. During his 20 years with the FirstRand Group, Ebi has made his mark on every aspect of the business in which he has been involved, including the IT division and management training centre. He has collected numerous awards for excellence, receiving the FNB innovation award for IT systems three times. As the first Chief Executive Officer of IslamicFinance, Ebi was proud to launch WesBank’s Shari’ah compliant products in 2004, adding offerings from First National Bank to the banking suite in 2005. Ebi’s role in researching, developing and introducing IslamicFinance through conventional banks in Southern Africa, is a ground-breaking initiative, serving both the Muslim and non-Muslim communities. In 1996 Ebi was invited to join the ISI Conference Advisory Board based in Pittsburgh USA and in 1998 was appointed Chairman of the Advisory Board. He holds Marketing, Market Research and Practical Project Management qualifications from UNISA and has served as a Director on the Board of the Direct Marketing Association of South Africa.

Mohammed Mustapha Bintube, Jaiz International Inc. Managing Director and CEOMustapha Bintube began his career with New Nigerian Development Company (NDDC) in 1982 as an Investment Executive and rose to the position of Senior Investment Executive. He moved into core banking in 1989 at Commercial Bank (Credit Lyonnais) Nigeria Limited and became a member of the Bank’s Credit and Executive Committee. Thereafter, he moved to FSB International Bank Plc, where he rose from Assistant General Manager to Executive Director and successfully oversaw the growth of various businesses within the bank including: Corporate Banking, Public Sector, Private Banking, consumer Banking, Financial Institutions and the Energy Sector. He resigned from FSB in June 2004 to take up the new challenge of establishing and driving Nigeria’s first full-fledged Islamic Bank.

Najmul Hassan, Gulf African Bank

Chief Executive OfficerMr. Najmul Hassan is currently Chief Executive Officer of Gulf African Bank. Prior to joining Gulf African Bank, Mr. Hassan worked as General Manager Corporate and Business Development in Meezan Bank Limited (MBL), the first and largest Islamic commercial bank in Pakistan, with over 160 branches and nearly 3000 employees. He was one of the founder members of the bank and played an instrumental role in leading the successful conversion of the operations of the Bank into full fledged Islamic Commercial bank upon the acquisition of Society General in 2002. He played an instrumental role in development and launch of core Islamic transactional and term deposit products, establishment of corporate and structured finance business and launch of Islamic consumer banking in Pakistan with nation’s first Auto and Housing finance business lines and establishing the banks brand and building corporate equity through continuous awareness measures. He has participated as a speaker in numerous workshops and seminars on topics related to Islamic Finance. Before joining MBL, he worked as a Managing Director, Delphi Diesel systems (Pakistan), prior to that as Managing Director in Agro Auto Industries, which is one of the largest automotive parts manufacturing company in Pakistan,. Mr. Hassan started his carrier with Pakistan Air Force in Maintenance and Technical branch. He holds Master of Business Administration and Bachelor Degree in Aeronautical Engineering.

booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

Mian Muhammad Nazir, Dar Al Sharia | Dubai Islamic Bank

Senior Vice PresidentMian Muhammad Nazir is working as Vice President with Shari‘a Structuring and Coordination Department of Dubai Islamic Bank. Before joining Dubai Islamic Bank in 2005, he has been working as a Legal Advisor for Dallah Al Baraka Group, Saudi Arabia. He also worked with the Pakistan Telecommunication Authority as Director, Law and Regulatory Affairs. Mian Nazir is an accomplished and renowned Shari‘a lawyer in the field of Islamic banking and finance. Apart from having degrees in Shari‘a and Law from International Islamic University, Pakistan, he also holds a master degree in commercial laws from the University of Cambridge, United Kingdom. He has the honour of working closely with Dr. Hussein Hamid Hassan for the last two years and is involved in the structuring and documentation of various Shari‘a compliant financial products and transactions including Sukuks, Islamic funds, Islamic syndications (project finance), Islamic trusts, structured Islamic products, Islamic swaps and other Islamic corporate / retail products.

Emad El Sahhar International Islamic Retail Banking SpecialistEmad has 24 years of banking experience with Chase (CIB), American Express, Mashreq and First Gulf Banks before being designated a CEO for Bayt Al Mal Islamic Finance co. He started up in retail banking then moved to Islamic Banking. He has a proven track record of innovative ideas and successful execution that was well recognized by his employers and consequently reflected on his career path and reputation in UAE market. “Makkah Credit Card” was one of his latest contributions to Islamic banking industry that was considered a new turn in Islamic Credit Card business. Counting on his diversified experience, clear vision and deep passion for Islamic banking Emad has been working on developing a specific model that could add real value to community and help in dragging the whole consumer lending market to a new era of healthy competition. His project was reviewed and enriched by diversified views of Shariá scholars, academic professors and senior bankers. It has took a new diversion after the current global crisis where Emad was frequently invited to give presentations on his Shariá compliant project and he is also a guest speaker at Preston University.

Tamas Erni, LOXON Solutions Ltd

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

Caglar Gogus, Peppers & Rogers Group

Managing PartnerRecognized for over fifteen years as one of the leading authorities on customer-focused business strategies, Caglar Gogus is a managing partner of Peppers & Rogers Group, the world’s premier customer-centered consultancy, and one of the founders of the EMEA practice. Dedicated to increasing and refining the presence of PRG throughout the region, Caglar directly oversees operations in the Middle East and Eastern Europe, paying close attention to the topics of knowledge sharing, the building up of regional centers of excellence, and setting the direction for key accounts. Through his consulting work with more than 50 global Fortune-500 companies in the finance, retail and telecommunications industries, Caglar has gained extensive international experience across a wide range of business environments and geographies in the addressing of strategic CRM issues and the direction of large scale projects that require significant change management effort. His discerning grasp of effective customer strategies has helped improve the profitability of his clients’ businesses while simultaneously enhancing their customer service. This well-founded expertise combines well with Caglar’s passionate and committed focus on the customer, allowing him to strike a balance between the strategic/theoretical and the highly practical, producing results-oriented, central strategies and effective cross border implementation projects. In addition to his industry specialization, he is well-versed in the issues, challenges and trends regarding customer retention and churn management, distribution models, sales organizations, multi-channel sales and service models, change management and large scale program management. Prior to Peppers & Rogers Group, Calar worked with several leading global consulting companies on high-profile consulting projects for top firms in the consumer-focused financial, retail and telecommunications industries. Caglar Gogus holds a B.A degree in Business Administration from Bilkent University, Ankara, Turkey and an M.B.A. from University of Florida, Gainesville, FL, USA

Steve Britton, Mi-Pay

Sales DirectorA board member of Mi-Pay, the leading mobile money company, Steve is responsible for securing new opportunities for high demand, customer facing mobile payments solutions with mobile operators, MVNO’s and financial institutions across Asia, Europe and Middle East. With 20 years experience in the payments industry, Steve has helped drive many innovative business ventures; including heading up Cable & Wireless’s ‘Telebusiness’ solutions group and the establishment of a payments processing business with DCTI Inc. Prior to joining Mi-Pay, Steve started-up Vesta Europe, securing service contracts with a number of European mobile operators, including, Meteor, O2, Vodafone, and Comviq.

SPONSOR PROFILE

Silver Sponsor: LOXON Solutions Ltd.

LOXON is offering lending and credit risk management software products of extreme high business benefit and success. The product portfolio of the company covers the entire lending and risk management lifecycle for banking and leasing industries, including lending, collateral management, rating & scoring, limit management, collection and basel2 solutions. LOXON products and services are applied in 10 EMEA countries; its customer base includes Raiffeisen, Erste, UniCredit, OTP, KBC and Intesa Group member entities as well as local banks.

Associate Sponsor: Peppers & Rogers Group

Peppers & Rogers Group is a management consulting firm recognized as the world’s leading authority and acknowledged thought leader on customer-based strategies and underlying business initiatives. Founded in 1993 by Don Peppers and Martha Rogers, Ph.D., Peppers & Rogers Group invented the term 1to1® marketing to illustrate the importance of treating different customers differently, and transformed the concepts into practical methodologies to drive financial results for companies.

Supporting Sponsor: Path Solutions

Path Solutions is a worldwide provider of Islamic and investment software solutions to the global finance industry and in specific the Islamic finance industry. It is the 1st and only banking software firm to be recognized and certified by the Accounting and Auditing Organization for Islamic Financial Institutions. The AAOIFI Certification covers all iMAL modules, business processes, contracts, Islamic accounting treatments, implications and behavior. Path Solutions is headquartered in Kuwait, with a Research and Development centre in Beirut, and support offices in Manama, Karachi, London, Kuala Lumpur and Riyadh, while maintaining a presence through partner companies in other locations around the globe.

Supporting Sponsor: Mi-Pay

Mi-Pay Ltd is a rapidly growing international supplier of mobile payment services, whose customers include mobile operators, financial service providers, utility companies and media owners amongst others, from our offices in the UK, Romania, UAE, India and Pakistan. This places Mi-Pay at the forefront of one of the major evolutions in mobile phone services deploying financial services through phone-based agent networks throughout the developing world. Mi-Pay has vast expertise and service offerings that span pre-pay top-up’s, mobile initiated payments, mobile banking, mobile money transfer, handset based authentication and consultancy.

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email: fahd.ali@fleminggulf.com, www.fleminggulf.com