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Africa – a land with endless opportunities in all fields. Africa is known to be an emerging market in the banking field where international banks tend to increase market share by creating new businesses in this region.

Like international banks, the local banks across Africa have this vision for 2010 and beyond to create new businesses in the region.

retail banking – a profile of a bank that produces limitless profits and customers. it contributes nearly 70% of the overall bank’s profits. since the global crisis did not tease the entire African region, retail banks are moving further to increase their businesses by expanding their distribution networks. the un-banked is still a market that needs high attention where as the under-banked has potential.

After a successful first annual event in Cairo – egypt, Fleming Gulf Conferences announces the release of its 2nd annual retail banking conference for Africa in the name of Retail Banking Africa 2010 hosting it in the financial capital of Africa... namely Johannesburg – south Africa. the trend for this year’s event will be to explore new frontiers to sustain a profitable retail banking business for African banks.

Come and understand the retail strategy for 2010 and beyond

explore various trends and opportunities in the retail payments and settlement systems

what is next in consumer card offerings?

observe how a successful retail bank can generate business across the un-banked and under-banked market

witness the importance of liquidity management in the retail credit portfolio

benefit with a successful customer management and retail delivery strategy

Find out how the growing trend in Islamic retail banking can benefit your bank

explore and learn from Africa’s and international GURUS in Retail Banking

27th & 28th July’ 2010Post Conference workshop on 29th July’ 2010

the westcliff, Johannesburg, south Africa

Exploring new frontiers to sustain a profitable retail banking business!

CONFERENCE OVERVIEW

FIND YOUR REASONS TO ATTEND

CONFIRMED SPEAKERS & PANELISTS

Media Partners:

Cas Coovadia, The Banking Association – South Africa Managing DirectorAdan Mohamed, Barclays Bank Plc, Kenya Managing Director – East and West Africa | GRB Emerging MarketsEbrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance, South Africa Chief Executive OfficerAl Alagappan, ICB Financial Group Holdings AG, Malaysia Managing Director | Consumer and Regional CEO – Asia and Eastern EuropeNajmul Hassan, Gulf African Bank, Kenya Chief Executive OfficerNabeel Malik, First City Monument Bank Plc, Nigeria Executive Director – Retail Banking GroupAndrea Prazakova, BancABC | African Banking Corporation, South Africa Group Head – Retail and SME BankingAnnaline Nel, First National Bank, South Africa Chief Operating Officer | FNB Branch BankingKahina van Dyke, MasterCard Worldwide, United Kingdom Executive Vice President and General ManagerAshish Bhugra, Citibank NA, Egypt Business Manager, Retail BankKartik Ramachandran, CFA Standard Bank Plc, United Kingdom Global Head of Consumer and Retail InvestmentsSerame Taukobong, MTN SA, South Africa Chief Marketing OfficerFaraz Kohari, Commercial International Bank, Egypt Chief Information OfficerRasheed A. Adegoke, First Bank of Nigeria Plc, Nigeria General Manager and Chief Information OfficerKevin Kihara, Family Bank, Kenya Relationship Manager – Office of the Chief ExecutiveGhita Erling, First National Bank, South Africa Payments ExecutiveMuhammad Farhan, CFA, HSBC Saudi Arabia Limited, Saudi Arabia Associate Director – Islamic FinanceMaulana Taha Karaan, Muslim Judicial Council, South Africa Shari’ah ScholarAfrican Development Bank, Tunisia Panelist Speaker To Be Confirmed

Guru Panel – segmenting the retail business and picking the right frontiers to sustain a profitable growth

PANeL DisCussioN – How can banks compete through Product innovation for islamic retail banking?

strategies to reduce bad Debts in retail banking

PANeL DisCussioN – increasing & Maintaining Customer satisfaction in Portable banking and all Delivery Channels

PANeL DisCussioN – Driving micro-level banking services to the poorest of the poor

CEO, COO, CMO, Managing Directors, Senior Vice Presidents, Senior Managers and Group Heads of:

Retail Banking, Consumer Banking, Personal Banking, Retail Assets, Retail Liabilities, Retail Credit, Retail Distribution, Branch Banking, Retail Marketing, Retail Sales, Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Retail Payments, Cards Business, Debit Cards, Credit Cards, Prepaid Cards, Smart Cards, Personal Finance, Consumer Finance, Consumer Lending, Consumer Risk Management, Islamic Retail Banking, Remittances, Retail Strategy, Retail Portfolio Management, Delivery Channels, Retail Customer Management, Customer Experience, Retail Loans, Secured Lending, Unsecured Lending, Retail Product Management and Retail Operations.

HOT SPOTSWHO MUST ATTEND

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Day 1 – 27th July 2010

8:00 Registration and Coffee

8:45 Welcome Note from Fleming Gulf

8:50 Opening Remarks from the Chair

MARKET OVERVIEW: RECAP OF LAST YEAR – OPPORTUNITIES FOR TOMORROW

9:00 KeYNote Building Africa’s Profitable Retail Bank – Strategy & the way forward

• Pan-Africanmacroeconomicsoutlook• Outoftherecession–inhuntfornewbusinessdevelopmentandgrowth• Effectiveretailbankingbusinessmodels• Stepone–“Gettheun-banked”:StepTwo–“Satisfytheunder-banked”• WhataretherightcreditproductofferingsforAfrica?• Whatisleftforalliancebanking?• Buildinga“RetailCentreofExcellence”Cas Coovadia, The Banking Association – South AfricaManaging Director

9:30 “Let’s get back to Basics” – A Guru’s Advice!• Adapttonarrowthefundamentalsofbanking• Encouragedepositsthencreateloans• Stringentyourcreditpoliciesandprocedures• Workcloselywiththeauthoritiestoprotectviableretailcustomers• Stickto“ChangeManagement”• Investin“ScientificProductMarketing”Nabeel Malik, First City Monument Bank Plc, NigeriaExecutive Director – Retail Banking Group

10:00 Trends & Opportunities in Retail Payments & Settlements – Smart Cards as Growth Engine

• BusinessModelsforRetailPayments&SmartCards• Technologyenhancementtoincreasesmartcardvolume• Distributiontactics• Centralizingthepaymentsystems• Howwillsmartcardsbenefittheun-bankedandunder-bankedpopulation?

10:30 Morning Coffee and Networking

11:00 GURU Panel – Segmenting the Retail Business and picking the right frontiers to sustain a profitable growth

• WhatarethepotentialsegmentsforAfrica’sRetailBank?• Lookatnewproducts:UnsecuredLoans,SecuredLoans,RetailDepositsand

Investments• Grappingmarketsharetouseretailtechnology• Futurefortheprepaidbusiness• Theroleofbranchesinincreasingcustomervolumeandclientsatisfaction• Howtoyouaccommodatetheunder-bankedpopulation?• WheretoconcentrateandthewayforwardinsegmentationFeatured Panelists:Adan Mohamed, Barclays Bank Plc, KenyaManaging Director – East and West Africa | GRB Emerging MarketsAl Alagappan, ICB Financial Group Holdings AG, MalaysiaManaging Director | Consumer and Regional CEO – Asia and Eastern EuropeNabeel Malik, First City Monument Bank Plc, NigeriaExecutive Director – Retail Banking GroupAshish Bhugra, Citibank NA, EgyptBusiness Manager, Retail Bank

NURTURING THE RETAIL PORTFOLIO WITH AN EXCELLENT PAYMENTS SYSTEM

11:30 MasterCard’s approach to Non-Traditional Payments

• ModelsfortheBanksandOperatorsinPaymentSystems• Besttechnologyplatform• Paymentapproachfordifferentsegments:Affluent,MassMarket,Un-Banked,Under-Banked

• BusinessModels• CaseStudyKahina van Dyke, MasterCard Worldwide, United KingdomExecutive Vice President and General Manager

12:00 CAse stuDY Growing the Remittance Business across Africa

• OverviewofremittancebusinesstoandfroEurope,AmericaandwithinAfrica• Technologyenhancement• Fraudandsecurityplatformsinmoneytransfers• BusinessModelsandGeneralPrinciplesforInternationalRemittanceServices• DistributionChannels• TheWayForward

12:30 CAse stuDY Mobile Payments and Electronic Transaction Services

• GenesisofMobilePayments• We’retalkingmobilepaymentsnotmobilebanking!• PartnershipandLoyaltyPrograms• PaymentInnovations• Businessmodelsofmobilepaymentstoservetheun-bankedandunder-banked

population• InnovationsinelectronictransactionservicesSerame Taukobong, MTN SA, South AfricaChief Marketing Officer

13:00 PANEL DISCUSSION – Creating & adapting to a strong Payments Infrastructure

• OverviewofthePaymentandSettlementsSystems• CreatingaRealTimeAutomatedPaymentsInfrastructuretoincreaseProcess

Efficiency• RiskMitigationinDevelopingthePaymentsInfrastructure• Whatisapplied:Problemsandsolutions–wayforward• AdaptingtobestpracticesinEurope,AsiaandAmericasFeatured Panelists:Kahina van Dyke, MasterCard Worldwide, United KingdomExecutive Vice President and General ManagerSerame Taukobong, MTN SA, South AfricaChief Marketing OfficerGhita Erling, First National Bank, South AfricaPayments Executive

13:30 Luncheon and Networking Break

STRATEGIZING THE RETAIL NETWORK ACROSS AFRICA TO BENEFIT THE UNBANKED

14:30 CAse stuDY Building the franchise through growing the retail bank... “International Commercial Bank”

• BriefbackgroundofICBBankingGroup• MicroFinanceinIndonesia• PriorityBankinginBangladesh• ImplantBankinginAfricaAl Alagappan, ICB Financial Group Holdings AG, MalaysiaManaging Director | Consumer and Regional CEO – Asia and Eastern Europe

15:00 CAse stuDY Going beyond the branch & investing into Branchless Banking

• BranchlessBankingandit’sinnovations• AdequateBranchlessBankingModel• HowtoincreasesalesvolumethroughBranchlessBanking?• HowtomaintaincustomerexperienceinBranchlessBanking?• RoleofTechnologyandSharedServicesinBranchlessBankingAshish Bhugra, Citibank NA, Egypt, Business Manager, Retail Bank

15:30 Afternoon Coffee and Networking

BENEFITING WITH AFFORDABLE RETAIL & ISLAMIC PRODUCTS

16:00 CAse stuDY Building an affordable Retail Product Suite• Overviewofcommoncreditandliabilityproducts• Evaluatingwhatproductbestsuitstheun-bankedandunder-bankedmarket• Howtomakeconsumeraccessaffordability• Keystepsforprovidingendusersaproperfinancialplanning• Howtomanagetherisks&rewardsequationsinRetailLiabilities

16:30 CAse stuDY Structuring Islamic Retail Asset Products

• Shari’ahPrinciplessuitedforIslamicRetailAssetProducts• ControversiesinstructuringIslamicCreditProducts• Implementationthoughtprocess:Problemsandsolutions• Commercialviabilityonretailcreditproducts–CostandROIMuhammad Farhan, CFA, HSBC Saudi Arabia Limited, Saudi Arabia, Associate Director – Islamic Finance

17:00 PANEL DISCUSSION – How can banks compete through Product Innovation for Islamic Retail Banking?

KeYNote What are the right business models to operate Islamic Retail Banking?Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance, South Africa, Chief Executive Officer

17:15 Panel Discussion:• WhataretherightproductofferingsforAfrica’sIslamicFinancecustomers?• HowarethemarketleaderslookingtobringdownthehighcostsassociatedwithShari’ahcompliantretailproductstoattractprice-consciouscustomers?

• LiquidityManagementonIslamicProductsandaPotentialSolution• ImplicationsofIslamicfundfromdifferentIslamicretailproducts• CreditPolicytoreflecttheriskrewardnatureofShari’ahtransactions–HowwillthathelpinProductDevelopment?

Featured Panelists:Najmul Hassan, Gulf African Bank, Kenya, Chief Executive OfficerMuhammad Farhan, CFA, HSBC Saudi Arabia Limited, Saudi Arabia, Associate Director – Islamic FinanceMaulana Taha Karaan, Muslim Judicial Council, South AfricaShari’ah ScholarModerator:Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance, South Africa, Chief Executive Officer

17:45 Closing Remarks from the Chair

17:50 End of Day 1

Speakers&Delegatesarecordiallyinvitedtoa

Networking Cocktail Reception

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

Day 2 – 28th July 2010

8:00 Registration and Coffee

8:50 Opening Remarks from the Chair

DEBT MANAGEMENT IN RETAIL PROTFOLIOS

9:00 Strategies to Reduce Bad Debts in Retail Banking• StemmingtheFlow–Leveraginginnovativetechnologies&

rethinking processes

• ShiftsinRevenueCycleFocus–PaymentOptions

• Staffing&HumanDevelopment

• SimplifyingthePaymentProcess

• WayForward

9:30 CAse stuDY Maintaining Credit Management in the current market

• CreditCycle–includingstrategyandoperationaloverview

• AccesstoCreditthroughRetailChannels

• ImportanceofConsumerCredit

• RiskBasedPricing

• RevisitingCreditScorings

• PortfolioManagement

• ApplyingsuccessfulFraudRiskManagementStrategyAndrea Prazakova, BancABC | African Banking Corporation, South AfricaGroup Head – Retail and SME Banking

10:00 CAse stuDY Default and Debt Recovery Strategy on the Retail Portfolio

• TypicalDebtRecoveryModels

• BestDebtRecoveryModelforRetailCollections

• ManagingDataInformation

• Theroleandbenefitofprocessoutsourcing

• ManagingaCollectionsWorkforceKartik Ramachandran, CFA, Standard Bank Plc, United KingdomGlobal Head of Consumer and Retail Investments

10:30 Morning Coffee and Networking

CUSTOMER EXPERIENCE AND THE RETAIL DELIVERY STRATEGY

11:00 Improving the Retail Sales Management Process• AchievingOperationalExcellenceinRetailBanking

• PeopleBehaviours–FrontOfficeExcellence

• “Don’tforgetthattheBackOfficemustrunsmoothly!”

• TheartofOperationalImprovement

• RoleofRetailOperationsinImprovingCustomerExperienceRasheed A. Adegoke, First Bank of Nigeria Plc, NigeriaGeneral Manager and Chief Information Officer

11:30 CAse stuDY The Branch: “It is still the heart of all Delivery Channels”

• Overview–RetailProductsandServices

• Howcanbranchrepresentativesspendmoretimeonactivesales?

• Howthechannelsservethecustomersandsupportbranchrepresentatives?

• IncreaseProfitsbyUpSelling&CrossSellingApproaches

• Enhancingyourself-servicespots

• TheBranch–TheBestMarketingPoint

• Whatservicecustomerwantsfrombranches

• EnablingVoiceoftheCustomerforasuccessfulServiceQualityAnnaline Nel, First National Bank, South AfricaChief Operating Officer | FNB Branch Banking

12:00 CAse stuDY Distributing Retail Products across POS Terminals “Non Banking Entities”

• MultiChannelDeliveryStrategy

• POSTerminalsandWorkstations

• Gettingretaildepartmentstores,alliancesandmoneytradersinvolved to promote retail banking services

• RoleofConsumerTransactionBankingServicesFaraz Kohari, Commercial International Bank, EgyptChief Information Officer

12:30 PANEL DISCUSSION – Increasing & Maintaining Customer Satisfaction in Portable Banking and all Delivery Channels

• Currenttrendsindirectbankingandalternatechannels

• DeployingInnovativePaymentsinaPortableBankingsuite

• HowcanRetailBanksgrowwithstrongcustomerexperienceprograms?

• Howcanservicequalitybeimprovedwithinaportablebankingsystem?

Featured Panelists:Annaline Nel, First National Bank, South AfricaChief Operating Officer | FNB Branch Banking

Rasheed A. Adegoke, First Bank of Nigeria Plc, NigeriaGeneral Manager and Chief Information Officer

Faraz Kohari, Commercial International Bank, EgyptChief Information Officer

13:00 Luncheon and Networking

BUILDING CONSUMER FINANCIAL SERVICES TO AID THE POOREST OF THE POOR

14:30 CAse stuDY Portable Banking – “That’s my approach to reach an un-banked market”

• PortableBanking–Conceptandusage

• Whicharetherightretailmarketsforportablebanking?

• Costeffectivenessindeployingaportablebank

• Adaptingtoaroad-showapproachtoincreasebankedpopulation

• Linkageofthebankwiththeauthoritiestoincreasedataandcredit information

• RiskManagementandFutureTrendsKevin Kihara, Family Bank, KenyaRelationship Manager – Office of the Chief Executive

15:00 PANEL DISCUSSION – Driving micro-level banking services to the poorest of the poor

KeYNote Effective business models in banking the poorest of the poor

15:15 Panel Discussion:• MarketSegmentationandBestPractices

• Whataretherightproductofferingstothepoorestofthepoor?

• ArethereroomforInnovationsandLoyaltyProgrammes?

• RiskManagement

• Wayforward

Featured Panelists:Kevin Kihara, Family Bank, KenyaRelationship Manager – Office of the Chief Executive

African Development Bank, TunisiaPanelist Speaker To Be Confirmed

15:45 Close of the Conference & Closing Remarks from the Chair

Farewell coffee and networkingIwouldliketothankeveryonewhohashelpedwiththeresearchandorganizationofthisevent,especiallythespeakersfortheirsupport and commitment.

Fahd Ali Akmal, Senior Conference Producer

fahd.ali@fleminggulf.com

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

WORKSHOPA

9:00 – 12:30 Retail Sales Management: Bringing a “Change” in the Sales Management system to increase Customer Satisfaction

Workshop Overview:Thisworkshopwilltaketheparticipantacrosstheretailbankinglandscapewherethekey“EnhancingCustomerExperience”willbeshapedbyimprovingtheretailsalesprocess.Alookatchangemanagementwithinretailbankingwilldiscussed here.

Workshop Program:• Revisitingvarioussalesmanagementsystems

• Redesigningtheexistingsalesmanagementsystemintoanimprovedsystem

• GoingthroughRetailCustomerManagementStrategy

• MakinguseofVoiceoftheCustomer

Workshop Methodology:• Theoreticalconceptsinbrief

• Learningfrombestandbadpracticesofothers

• Interactivediscussions

• TeamWork:Learningfromoneanother

• IndividualReflection

Workshop Leader:

To Be Announced Later

WORKSHOPB

14:00 – 17:30 Managing Muli-Channel Retail Banking Networks: Bringing the bank to the customer

Workshop Overview:Theworkshopaimsatimprovingtheexistingretailmultiplechanneldistributionstrategybyincreasingcustomersatisfactionwithimproveddataandnetwork.Discussionsonthefundamentalsofimplementingtechnologytoretain,satisfyandbuildcustomerportfolio.Thisalsolooksintotheareasofstreamliningtheoperationalexcellenceofretailbanks.Throughamixofcasestudies,teamwork,interactivediscussionsandindividualreflection,thissessionaimstoarmproductchampionsandbusinessleaderswiththeinsightsneededtoinnovateandwininaneverevolvingmarketplace.

Workshop Program:• Keyobjectivesofusingtechnologytoenhancecustomersatisfaction

• Learntomanageimpairingrisks

• Learnhowtoincreaseproductivity

• Identifywhatdataisneeded?

• CaseStudies

• InteractiveDiscussions

Workshop Methodology:• Brieftheoreticalintroductiontoeachexercise

• Practicaluseofindividualtoolsandmethods

• Learnaboutbestpracticesbyothercompanies

• TeamWork

• WorkshopExercise

Workshop Leader:

To Be Announced Later

Post CoNFereNCe worKsHoP

Day 3 – 29th July 2010

Meet Our Prestigious Speaker Panel

Ghita Erling, First National Bank, South Africa Payments Executive

FNB Payments Executive, Ghita Erling, joined FNB Corporate in the FirstRand Banking Group in April 2000. Since then, she has worked on international expansion initiatives in both India and Moçambique, managed cash solutions for corporate customers, been responsible for an automated cash-acquiring business, relationship-managed Commercial customers and been a founding member of a FNB-wide Innovation programme. In her current role, she heads up a team responsible for business governance and strategy alignment across the different FNB payment types and channels. The role encompasses the interbank payments environment as well as competition matters relating to payments. Ghita is a director of SBV Services, a cash processing and transportation company owned by the four major South African banks. Ghita has a BSc and a MSc(Eng) from the University of the Witwatersrand, as well as a National Certificate in Banking and a Diploma in Flute Performance from the Associated Board of the Royal Schools of Music. She has completed both an Executive Development Programme and the FNB Corporate Certificate Programme in Management at the University of the Witwatersrand. In her spare time she is an avid reader, loves the outdoors and plays in amateur music ensembles.

Al Alagappan, ICB Financial Group Holdings AG, Malaysia Managing Director | Consumer and Regional CEO – Asia and Eastern Europe

Al Alagappan is currently the Managing Director for the Global Consumer Banking Division based out of Kuala Lumpur – Malaysia. He is also the Regional CEO for Asia and Eastern Europe region. He is primarily responsible for strategic planning and delivering business performance to the ICB board of directors. Bank maintains a presence in 14 emerging market countries in Asia, Africa, and Eastern Europe. Conceptualized a comprehensive global strategy and road map for the group adopted by the board for implementation, followed by a consumer banking strategy that resulted in the implementation of retail operations in Ghana and Bangladesh. He has successfully partnered with the business and lifted Indonesia and Bangladesh to competitive retail consumer banking positions and started the Consumer business in several African countries. He has also introduced the concept of “balanced scorecards” to the performance measurement process within the organization through the Strategic Plan, leading to increased transparency and standardized guidelines governing banking operations in different jurisdictions. Prior to the ICB Group, Al Alagappan has also worked with leading organizations such as Ernst & Young, Citibank, First-E (The Internet Bank), E-Asia Finance, MBF Cards / MBF Holdings Berhad, V-PAGO Services SDN Bhd, Program DNA & IPAY DNA SDN. Bhd at various roles ranging from audit, financial controller, compliance, CFO, Marketing, Sales, Managing Director and CEO. Al Alagappan holds a bachelors degree in commerce from the Bangalore University. He is a fellow member of the Institute of Chartered Management Accountants (UK), Association of International Accountants (UK) and the Institute of Chartered Accountants (India). He holds a black belt in six sigma. Al Alagappan is a Singapore national, married and enjoys reading, playing golf, tennis, jogging and music.

Nabeel Malik, First City Monument Bank Plc, Nigeria Executive Director – Retail Banking Group

Nabeel is the Executive Director in charge of Retail banking at First City Monument Bank Plc. (FCMB), Nigeria. He joined FCMB in January 2009 from Mashreq, Dubai, where he was Senior Vice President responsible for business development and strategy for international markets, overall governance of existing businesses and retail expansion internationally. He was also Chief Marketing Officer while at Mashreq. Prior to these appointments, he was with Citibank, where his posts included Regional Marketing Director for CitiGold (Europe, Middle East and Africa) and Regional Head of Consumer Banking for the Gulf and Pakistan. Has also worked with ABN AMRO as country manager of retail banking in Greece, Taiwan and Pakistan. Nabeel holds a Bachelor’s degree from Princeton University and a Master’s degree from the Yale School of Management.

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

Ebrahim 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. Ebi has presented many papers on Customer Information, Customer Data Quality and Customer Relationship Marketing at various conferences in the USA, UK and South Africa. He has also completed the Management of Technology Programme through the Graduate School of Business of UCT and the Senior Management Development Programme at the University of Potchefstroom. Besides his professional experience, Ebi is very involved with community-based organisations and is presently the chairman of the Local Community Policing Forum. Ebi is married with three children.

Kartik Ramachandran, CFA, Standard Bank Plc, United Kingdom Global Head of Consumer and Retail Investments

Kartik Ramachandran is currently Global Head of Consumer and Retail Investments at Standard Bank. Prior to moving to his current role, Kartik was Chief Risk Officer (International) and Global Head of Credit Strategy and Policy for the Personal & Business Banking division at Standard Bank. Kartik has previously worked across multiple geographies covering developed and emerging markets (USA, UK, Germany, South Africa, and India) for Citibank, Capital One, GE Capital, and Barclays. Kartik has an extensive and in-depth experience across consumer and business banking and has been responsible for both the business and strategy development and risk management across the jurisdictions he has worked and managed. Kartik brings with him a wealth of experience and is focussed on delivering value from robust investments in consumer and retail NPLs and distressed debt through best-in-class Debt recovery and management strategies and execution.

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

Ashish has had a 20 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.

Rasheed A. Adegoke, First Bank of Nigeria Plc, Nigeria General Manager and Chief Information Officer

Rasheed graduated from the University of Ibadan in 1990 with First-Class Honours and a merit award as the best graduate in the faculty of science. Rasheed also holds an Executive MBA from the International Graduate School of Management (IESE), University of Navarra, Barcelona, Spain. He is a Chartered IT Professional (CITP) and Fellow of the British Computer Society (FBCS). He is also a member of the Nigerian Computer Society (MNCS) and Nigerian Institute of Management. Rasheed‘s experience spans over nineteen years and covers diverse areas including information technology, business process transformation, project management, organisational change management, training and banking operations. He is currently a General Manager and CIO at First Bank of Nigeria Plc. Prior to joining First Bank, Rasheed was Director, Products at United Bank for Africa where he had also led the Process Transformation group. He also worked as CIO in the previous nine years at Unity Bank Plc where he led the integration of the nine merging banks, NNB International Bank where he was responsible IT & Branch Operations and First City Monument Bank. Rasheed had also worked at PricewaterhouseCoopers (as a Manager in the Management Consulting Services division); Computer Systems Associates (CSA) and Fidelity Bank.

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