no or islamic bank ourstory english

Our Story 2009

Noor Islamic Bank 2Noor Islamic Bank

Contents

Chairman’s Message GCEO’s Message Board of Directors Shari’a Board Product Overview Our People

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H.H. Sheikh Khalifa Bin Zayed Al Nahyan President of the UAE

H.H. Sheikh Mohammed Bin Rashid Al Maktoum Vice President and Prime Minister of the UAE, Ruler of Dubai

Chairman’s Message

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Financial services across the Gulf and the wider Middle East continue to offer tremendous opportunities for innovation and growth.

Chairman’s Message 7

Islamic finance is well positioned to take a leading role in shaping the financial landscape of the region, especially the emerging Islamic insurance industry which is relatively underdeveloped.

The Noor group of companies continues to take advantage of the current financial situation by raising the bar and setting the standard of personalizing customer experience and focusing their efforts on supporting and nurturing sustainable partnerships and relationships. Noor’s collective goal remains the same: to create simplicity out of complexity for its customers. It is a commitment towards this goal that drives us to innovate and understand our customer needs.

As I, along with the Board look forward to 2010, we are cognizant that the global economy has yet to demonstrate a sustainable recovery. The UAE is not an isolated or closed economy but rather a part of the global economy and what transpires in the world around us, has a direct impact on the UAE economy also.

The various timely and on-going interventions by the UAE Central Bank and other UAE authorities have ensured unhindered and categorical support for both the overall market as well as individual financial institutions.

The instability caused as a result of the global economic crisis proved a defining moment for Islamic finance as it validated what the industry has been saying all along: ‘Financial Services need not be about money alone, rather it is about the balance between ethics, customer gratification, social responsibility and our focus towards achieving economic profitability.’

Noor holds true to our fundamental values inspired by the simplicity of Shari’a principles. Our values define our moral approach to business, accountability to our clients and responsibility to the community that we serve within. We pride ourselves on being autonomous institutions that makes tough decisions daily to enhance our clients’ experience by adhering to an ethical code of conduct.

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Chairman’s Message

We remain focused on building a brand that has demonstrated reliability, integrity, trust, care and good judgment.

Islamic finance is an innovation in itself with Noor at the forefront of progressive application of its principles.

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The present day economic crisis had already begun unfolding in the United States during 2007. Having knowledge of the storm brewing across the continent neither diminished nor dissuaded us from addressing the underlying needs of an emerging and enterprising Islamic financial services industry and the growing demands of an ever increasing customer appetite for Shari’a based financial services. The industry continues to forecast growth between 10-20% across Banking and Insurance, with assets in excess of US$ 1 trillion. Regardless of the challenges confronting us during these times of economic uncertainty, Noor has a core purpose that fulfils unmet and latent needs of a growing population

that is seeking access to products and services that comply to ethical and moral principles. Agile and dynamic businesses such as ours recognize these market needs and are responsibly addressing the demands through creativity and innovation.

Our business models remains valid and compelling. We are convinced that the decisive action that we took to repositioning our business models for Noor to focus on demands and growth potential within the UAE and GCC markets will enable us towards our path to profitability and confronting the future with confidence.

H.H. Sheikh Ahmed Bin Saeed Al Maktoum Chairman

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Chairman’s Message 11

Group CEO’s Message

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Our Strategic Advantage/IntentBuilding an internationally recognized brand requires a creative vision and considerable collective effort. Noor Islamic Bank and Noor Takaful were born out of a vision to create Islamic financial institutions that serve and fulfil the needs of their clients and spearhead the advancement of the industry. Our vision drives us to recognize that simplicity is the need of our clients and innovation is the means which will enable us to deliver uniquely personalized solutions every time we interact with our clients. It is our belief that if

we consistently deliver against this promise, we will earn the benefit of more business and new referrals from our clients.

We are privileged to have the support of the UAE leadership and our distinguished Board of Directors comprising business leaders and public officials that guide the direction of the organization.

Group CEO’s Message

With the assistance of recognized leaders in Islamic finance, we are committed to redesigning the experience of modern Islamic banking and insurance.

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The bank has a very healthy and solid foundation with US$ 1 billion in capital and excellent capital adequacy ratios of 22.09%, compared to the industry benchmark of 19.2%.

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Our Financial HealthThere is no doubt left that the current global downturn is fundamentally and structurally different from all other recessionary events of the past. Solutions and decisions employed in earlier recessions may not be completely relevant to the current challenges faced by us. Likewise, businesses will need to adapt to the new financial and economic landscape – leverage and easy credit will no longer be readily accessible.

The current financial and ensuing economic crisis has reminded everyone of the pivotal role that the banking and financial services industry plays within the global economic system. As such, banks and financial services companies need to be secure and stable as their performance have a substantial impact on the overall well being of economies and humanity.

A review of the bank’s financial health, as it completes its second year of operations, will highlight robust yet prudent performance management of the fundamentals. The bank has a very healthy and solid foundation with US$ 1 billion in capital and excellent capital adequacy ratios of 22.09%, compared to the industry benchmark of 19.2%. Similarly, our balance sheet leverage ratio is a conservative 6.8x again reflecting in low risk aversion of balance sheet management when compared against other Banks across the region.

Group CEO’s Message 15

The timely interventions by the UAE Central Bank and other authorities ensured support for the overall market however liquidity, though improving, remains under pressure thereby resulting in price distortion between a steadily declining EIBOR and rising customer deposits. Notwithstanding these circumstances, the bank managed to maintain a regulatory ratio of 104% which was exactly in line with the market average. Again, for a two-year young business, this demonstrates the trust the market and our clients have placed with us and we will endeavour to ensure that we work hard at retaining and building upon this trust and responsibility that has been placed in us. We are aware of the mandatory compliance ratio requirements and I can confirm that the bank has initiated measures across all its business lines to bring this ratio within and below the mandatory compliance levels as we move into 2010 and beyond.

Revenues have recorded a respectable growth of 13.4% compared to 2008. Despite market conditions, Net income from investments grew by 31.2%, whilst various efficiency related programs implemented across the bank realized an improvement of 15.3% in costs over 2008. Rising cost of funds combined with a prudent approach in asset growth due to deteriorating credit quality kept spreads under severe pressure throughout the year. Restrained activity due to low transaction volumes across Wholesale, Capital Market and Consumer business lines resulted in a 5.4% decline in fee based and other income.

Recognizing the difficult market conditions, the bank has been guardedly conservative in its loss coverage and has adequately provided AED 414 million, amounting to 3.4% of its total customer financing. We feel that our decisions on the provisions are cautiously conservative and at par with the expected industry average. Given the overall pressures that the market is subjected to and which may in turn affect our client segments as well, we feel that these provisions along with a 48% coverage will enable the bank to withstand any shocks moving forward. Having said this, strong risk, debt and client restructuring management capabilities within the bank will continue to ensure that we protect the interests of both our clients as well as shareholders.


During 2010, the bank will continue on its path of remaining prudent during its business activities and will continue sourcing new business opportunities whilst leveraging and extending its existing platform across the UAE.


What sets us apart from the competition is the intellectual expertise and strategic direction of management and their ability to inspire all Noor associates to reach new heights.


Our Professional Management & Entrepreneurial CultureThe inspiration of Noor was conceived in the spirit of entrepreneurship. To create a brand that signifies innovation and simplicity1 to rival the most innovative companies anywhere. To this end, the goal has always been to establish an organization that cultivates its entrepreneurial roots and nurture talent from the around the world.2 This is why when all were rethinking investments at the height of the economic crisis; we never compromised on continuing to invest in our learning and development assets.3

1. Innovation and simplicity: We know our clients time is precious. That’s why we designed our account opening process to take no more than 15 minutes and allow new members to the Noor family to walk out of our branches with their debit card and cheque book in hand.

And because we know that our clients also want a smart way of secure and easy banking, anytime, anywhere or whilst on the move we developed our mobile internet banking solution. All our clients need is their mobile phone for simple, immediate and secure access to their money.

2. Nurture talent from the around the world: As an organization where innovation is a cornerstone of the organization, we are always open to new ideas and learning from other cultures. That’s why over 35 nationalities have chosen us as their employer of choice.

3. Learning and development assets: We launched initiatives such as the Noor Leadership programme for Emiratis, as well as training programs for all our staff amounting to approximately 16,000 man hours and conservatively valued in excess of 2.1 million AED.

4. Collective experience: The collective know how of our senior management exceeds 285 man years of banking experience from across the Middle East, Africa, South and South East Asia, Pacifica Asia, Australia, Europe, and North America.

What sets us apart from the competition is the intellectual expertise and strategic direction of management and their ability to inspire all Noor associates to reach new heights. We are proud of the 35 nationalities that comprise the Noor family and diligently contributing their collective experience4 to defining the Noor brand. I remain confident in the capabilities of our organization, management team and the wider Noor team to remain responsive to the needs of our clients and shareholders.


Our AccomplishmentsAs we entered our 2nd year of commercial operations in 2009, our primary objective was to re-calibrate the bank to be positioned for the opportunities presented in the “new normal”.5

We immediately streamlined our business model to strengthen the bank’s capital base and diversify revenue streams through opportunistic yet sustainable growth. We postponed our international expansion and focused on bolstering the UAE economy through expansion of our delivery channels, introducing new business lines and investing in talent. We also introduced innovative ways6 to create value for our customers by enhancing existing services and introducing new platforms that address customer needs. This has resulted in a 100% increase in our client base, over 2008. Similarly, the size of our client base and volume of activity in our wealth management segment grew by 38% and 79% respectively

over 2008, reflecting both the opportunity within this segment of the market as well as unabated demand for basic and transparent Shari’a compliant wealth products.

An example of our client centric and holistic relationship management approach is evidenced through our approach of bundling services and products7 so as to provide greater ease and convenience to our clients. This is an approach, where we have re-calibrated our business model to address the demands of the market and our clients across our business lines from Wholesale, Personal and even between the Bank and our Takaful Company. This is truly unique and a key competitive differentiator.

The bank continued to build on its regionally and internationally recognized track record and expertise by lead-managing and book-running corporate finance and capital market deals valued in excess of USD 18 billion. In a short span of 2 years, the superior knowledge of the local and

5. New normal: “We recognize that creating shareholder value is our principal objective. In the new normal, it has also become evident that for economic prosperity to stage a sustainable return, bank’s need to focus on attaining a balance between maximizing shareholder return whilst simultaneously fulfilling their social responsibility and role within their communities and economy at large. At the same time our clients expect us to provide them with solutions and advice, and to satisfy these needs in the most simplest and convenient way possible.” Hussain AlQemzi

6. Innovative ways: From providing internet banking functionality on mobiles in the Arabic language to structuring corporate finance deals worth 18 billion USD to allow our client greater access to funds during trying times.

7. Bundling services and products: Bundling Shari’a compliant cover from NOOR Takaful with our Noor cards and auto financing products to provide our clients a more cost effective solution and greater peace of mind.


regional markets has provided the bank with the unique position of being able to arrange, execute manage and distribute multi-currency mandates across the breadth of both the public and private sector. Over the past 24 months, total mandates executed and distributed by the bank are well in excess of AED 66 billion, which is a truly phenomenal achievement earning the bank well earned praise from reputed industry analysts such as Reuters, Bloomberg and Financial Times UK to name a few.

Being aware of the vital need for attaining efficiencies within our clients’ businesses or personal wealth management, the bank introduced multiple products and services8 across sectors and industries that aim to serve the entire working capital cycle of our Wholesale and Personal clients to help them more efficiently manage and improve their financial health. These cash and payment management solutions are on-line enabled and offer seamless straight-through-processing capabilities.

Transactional volumes on this enhanced on-line product platform alone generated volumes in excess of AED 35 million.

The bank also introduced a unique offering9 through a strategic alliance to provide remittance and foreign exchange solutions leveraging off the UAE’s first 24x7 branch. We recognize the strength that lies in entering into strategic collaboration with other market leaders to fulfil our promise of enriching our clients’ experience, convenience and accessibility to us.

At Noor, we have been very clear in defining and assessing our target market and the preferences that shape their dynamic lifestyle. Hence, investments into next-generation mobile and on-line based delivery platforms are core innovation enablers in how we aim to fulfil our client experience promise. As an example to this commitment, the bank has launched the world’s first Arabic enabled internet mobile solution.10

8. Introduced multiple products and services: Key solutions include the corporate online banking platform providing a single window for payments, receivables, liquidity management, and trade service solutions. Additionally some customized solutions include Escrow services for real estate and the WPS (wage protection system) payroll for blue collar workers.

9. Unique offering: Apart from providing 24x7 FX services at Dubai Airport, Terminal 3, the alliance allows us to compete with high street remittance houses.

10. Arabic enabled internet mobile solution: “For future generations, mobile internet banking will be the accepted and preferred method of personal banking. For many young people today mobile banking is becoming a key criterion for where they choose to bank. With the launch of the world’s first Arabic enabled mobile internet banking service, we again demonstrated our leadership in the provision of innovative, technology centric, personalized banking products.” Hussain AlQemzi


The ‘Noor’ brand is in a unique situation to collaborate with new industries and sectors that emerge from this crisis.

11.Unique situation: As a young bank we have the benefit of not being weighed down by legacy. Our relatively small size gives us the ability to be responsive and agile. Add to that our low balance sheet leverage ratio and high capital adequacy ratio (CAR). All of which places us in a unique position to meet the realities and needs of our “new normal”.


Our Plan for 2010While the economic landscape continues to shift, our strategy remains clear. Our mission is to be recognized and regarded to be amongst the leading innovative financial brands. We were established as a client-centric institution and that will not change as we strive to enhance the experience across multiple platforms.

Our strategy going forward is to create value in Islamic banking and insurance as a seamless and convenient experience for our clients. Regardless of how the new economic environment shapes up, there will be new opportunities that will be created and new possibilities that will emerge for those who will be well positioned and geared up to realize them.

Noor Islamic Bank is an agile and responsive entity, easily able to adapt to the dynamic financial landscape of the region. We are well positioned to take advantage of the new opportunities presented by the current economic environment. The financial crisis has provided us with an

opportunity where a balanced approach of risk management, ethics, transparency combined with measured financial returns will lead the way in shaping the framework of the industry.

The ‘Noor’ brand is in a unique situation11 to collaborate with new industries and sectors that emerge from this crisis. The strength of our platform and resources combined with the support from our shareholders, partners and regulator positions us to embrace change and face the future with confidence. While 2010 will continue to be a challenging year, particularly with regards to liquidity and cost of funding, we believe that we remain well placed to achieving our near-term goal of profitability by 2012. Every single associate at Noor is acutely aware of the objective of attaining profitability whilst remaining committed to the highest standards of ethics and fulfilling our clients’ highest expectations.

I extend my sincere thanks to all our clients for their continued business and trust, all Noor associates for their dedication and the members of the Board, the Fatwa and Shari’a Supervisory Board, the Central Bank of the UAE and all Public bodies for their unwavering support.

Hussain AlQemziGroup Chief Executive Officer


H.H. Sheikh Ahmed Bin Saeed Al Maktoum Chairman

Hussain AlQemziGroup Chief Executive Officer

Noor Islamic Bank

Board of DirectorsShari’a Board

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H.H. Sheikh Ahmed bin Saeed Al MaktoumChairman of Noor Islamic Bank PJSC

Chairman of Noor Investment Group LLC, Noor Takaful General PJSC, Noor Takaful Family PJSC

Chairman & Chief Executive, Emirates Airline and Group

H.H. Sheikh Ahmed bin Saeed Al Maktoum is the younger brother of the late Ruler of Dubai, H.H. Sheikh Rashid bin Saeed Al Maktoum. Along with his role as Chairman of the Board of Noor Islamic Bank, Sheikh Ahmed is the President of the Dubai Civil Aviation Authority, Chairman of Dubai Airports and Chairman and Chief Executive of Emirates Airline and Group. He embarked on his journey in the aviation industry in 1985 when he was appointed President of DCAA. At the same time the national carrier Emirates was also launched and he was appointed Chairman.

Sheikh Ahmed’s other portfolios with the Government of Dubai include:

• Chairman of the Supreme Fiscal Committee• Chairman of the Supreme Council of Energy• Second Vice Chairman of the Dubai

Executive Council• Member of the Board of the Dubai Council

for Economic Affairs• Vice-Chairman of the Dubai World Trade Centre• Board Member of The Dubai Corporation

for Government Investment• Chairman of the Supreme Committee –

Dubai Shopping Festival Committee and Dubai Summer Surprises

• Board Member of the General Civil Aviation Authority of UAE

Chairmanships include:

• Dubai National Air Travel Agency (DNATA)• Dubai Airport Free Zone Authority• Dubai Aerospace Enterprise• Alliance Insurance Company Sheikh Ahmed holds a Bachelors Degree from the University of Denver, Colorado, USA.

Board of Directors

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Lt. Gen. Musabah Bin Rashid Al FattanDirector of the Ruler’s Office – Dubai

Vice Chairman of Noor Investment Group LLC, Noor Islamic Bank PJSC

Lieutenant-General Musabah Al Fattan is part of one of the first generations that joined Dubai Police as a Police Officer after successfully graduating from the Police Academy, in 1971. In the following year,1972, he subsequently joined the first Police College in the Gulf region in Kuwait.

Lieutenant-General Al Fattan worked for Dubai International Airport and was then appointed as the Head of the Police Centre of Marqabat in Dubai.

Lieutenant-General Al Fattan was appointed in 1974 as the Director of H.H. Sheikh Mohammed bin Rashid Al Maktoum - Vice-President, Prime Minister and Ruler of Dubai - Office and continues to run this position to date.

In addition, Lieutenant-General Al Fattan owns and heads Al Fattan Group and Al Fattan Properties, one of the leading and largest property developers in the UAE.

H.E. Mohammad AlGergawiMinister of Cabinet Affairs of the Federal Government of the United Arab Emirates (UAE)

Chairman of Dubai Holding

Vice Chairman of Noor Investment Group LLC and Noor Islamic Bank PJSC

H.E Mohammed A. AlGergawi holds the following prominent positions:

• Minister of Cabinet Affairs of the Federal Government of the United Arab Emirates (UAE)

• Deputy Chairman of the Ministerial Council for Services

• Chairman of Emirates Competitiveness Council• Deputy Chairman of Emirates Investment

Authority- the Sovereign Wealth Fund of the Federal Government of the UAE

• Chairman of Dubai Holding H.E. AlGergawi was born in Dubai, in 1963. He is a graduate of Business Administration, from the US.


Mr. Soud Ba’alawyExecutive Chairman of Dubai Group

Chairman of the Board Executive Committee of Noor Islamic Bank PJSC

Mr. Soud Ba’alawy is the Executive Chairman of Dubai Group, the leading diversified financial services company of Dubai Holding. It focuses on Banking, Investments and Insurance, both at a regional and global level.

Known for his strategic insights and entrepreneurial vision, Ba’alawy was previously CEO of Dubai Investment Group and played a key role in its foundation and growth. He has more than ten years experience in banking and investment with Citigroup, and was the Vice President of Gulf Treasury in Citibank Dubai. He has also served as Chief Investment Officer of Dubai Internet City and Vice President of The Executive Office.

Mr. Ba’alawy is a member of the Executive Committee of Dubai Holding and Chartered Institute of Management Accountants, UK.

Board Membership and Affiliations:

• Chairman, Marfin Popular Bank• Chairman, TAIB Bank• Vice Chairman, Marfin Investment Group• Vice Chairman, Dubai Bank • Board Member and Chairman of Executive

Committee, Noor Islamic Bank PJSC• Board Member Noor Investment Group LLC,

Noor Takaful General PJSC, Noor Takaful Family PJSC

• Board Member and Member of the Executive Committee, Emirates Investment Authority

• Board Member, Emirates Telecommunication Corporation (Etisalat)

Mr. Essa KazimChairman of Borse Dubai and Chairman of DFM

Mr. Essa Kazim is Chairman of Borse Dubai and Dubai Financial Market (DFM). Prior to these appointments Mr. Kazim held the position of Director General of DFM.

Mr. Kazim began his career as a Senior Analyst with the Research and Statistics Department of the UAE Central Bank. Following this period Mr. Kazim joined the Department of Economic Development where he held the position of Director of Planning and Development Division.

Board memberships include:

• Dubai International Financial Centre Authority• Nasdaq Dubai and Nasdaq OMX• Emirates Industrial Bank • Dubai Statistics Centre• General Pension and Social Security Authority In addition to his Board memberships Mr. Kazim is a member of the Dubai Council for Economic Affairs, the Economy and Trade Committee and the Financial Advisory council.

Mr. Kazim graduated from Coe College in 1985 with a Bachelors Degree in Mathematics, Economics and Computer Science. Following this he obtained a Masters Degree in Economics from the University of Iowa, USA in 1987 and a Masters Degree in Total Quality Management from the University of Wollongong, UAE in 1998.

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Mr. Sultan Ahmed Bin SulayemChairman of Dubai World

Mr. Sultan Ahmed Bin Sulayem is the Chairman of Dubai World, one of the world’s largest holding companies, which manages and supervises a diversified portfolio of businesses in Dubai and across the world in a variety of sectors, including Transport & Logistics, Urban Development, Drydocks & Maritime, Investment & Financial Services and Energy & Natural Resources.

Mr. Bin Sulayem has spearheaded a number of groundbreaking developments and initiatives such as:

• Global marine terminal operator DP World’s acquisition of the P&O group

• Development of Jafza, the Jebel Ali Free Zone;• Establishment of Dubai World’s master

developers Nakheel and Limitless, and the investment house Istithmar World

• Formation of Dubai Multi Commodities Centre (DMCC), which established a commodity marketplace in Dubai

• Establishment of Dubai Natural Resources World, an initiative designed to provide extraordinary returns across the natural resources value chain

Mr. Bin Sulayem is a Board member of the following:

• Head of the Board of Directors of Dubai World• Member of the Board of Executive Council,

Government of Dubai • Member of the Board of Executive Economic

Council, Government of Dubai• Member of the Board of the Investment

Corporation of Dubai, Government of Dubai• Member of the Board of Dubai Chamber

of Commerce In addition, Mr. Bin Sulayem is Chairman of the merged Ports, Customs & Free Zone Corporation (PCFC) and a member of the World Economic Forum and Advisory Council of Environmental Institute for Golf.

The awards and recognitions Mr. Bin Sulayem has received include:

• Honorary Doctorate from UK-based Middlesex University in 2008 in recognition of his dedication to excellence and commitment to the economic development of the UAE and the Arab World and his inspiring community leadership

• Elected as “Global Leader for tomorrow” by the World Economic Forum

• Named “Chief Executive of the Year 1991” at the Gulf Business Awards

• Awarded “Al Majalla Business Personality of the Year 1992”

• Awarded Lifetime Achievement Award at Lloyd’s List Middle East and Indian Subcontinent Awards 2006

Mr. Bin Sulayem graduated in Economics at Temple University in Philadelphia, USA, in 1978.


Mr. Mohamed AlabbarChairman of Emaar Properties

Mr. Mohamed Alabbar is the founding member and Chairman of Emaar Properties PJSC since the company’s inception in July, 1997, Mr. Alabbar is also Chairman of the Bahrain-based Al Salam Bank, an Islamic bank with operations across the MENA region.

In recognition of his vision and achievements, FDi magazine, published by the Financial Times Group, named Mr Alabbar “Middle East Personality of the Year.” Arabian Business, the leading regional business magazine, ranked him second in its 2009 list of the 100 Most Influential Arabs in the World. Fortune magazine, in their issue of December 2007, named him among the top 30 in power positions globally.

A sought-after speaker at international forums and on broadcast networks worldwide, Mr. Alabbar is an articulate spokesman for the region’s economic renaissance.

Mr. Alabbar is a graduate in Finance and Business Administration from Seattle University, USA.

Mr. Abdulla Ahmed Mohammed Al HabbaiChief Executive Officer of the Engineers Office

Mr. Abdulla Ahmed Mohammed Al Habbai is currently serving as the Chief Executive Officer of the Engineers Office, a position he has occupied since 2005 when he was appointed by His Highness General Sheikh Mohammed Bin Rashid Al Maktoum, Vice-President and Prime Minister of the UAE and Ruler of Dubai.

Mr. Al Habbai began his illustrious career with Dubai Municipality where in 1988 he served as the Head of Property Unit. Mr. Al Habbai was subsequently promoted to the position of Head of Survey Section in 2000. In 2004 he became the Assistant Director for the Planning and Survey Department.

Mr. Al Habbai currently serves as the Chairman of Meraas Holding and the Industrial & Investment Lands Committee, while he holds the position of President of Business Bay Affected Plots Compensation Board Committee.

In addition to his roles defined above Mr. Al Habbai is an active member of a number of Board Committees including:

• Dubai Equestrian Centre Board Committee• Sheikh Mohammed Housing Program Board

Committee• Dubai Urban Planning Board Committee• Dubai Humanitarian City Board Committee

Mr. Al Habbai holds a Masters Degree from the University of East London UK obtained in 1993 in Cadastral & Land Information Management.

Board of Directors 31

Mr. Abdulla Mohammed Rashid Al HuraizDirector of the Financial Affairs Department at the Ruler’s court

Mr. Abdulla Mohammed Rashid Al Huraiz joined the Ruler’s Court– Government of Dubai In 1994 . With proven leadership skills and strong administrative and operational controls, he was appointed Director of the Financial Affairs Department at the Ruler’s court within a short span of time.

During the course of his career, Mr. Al Huraiz has demonstrated excellent ability mainly in the Finance and Administration fields and managed to utilize the same to enhance his awareness simultaneously.

Mr. Al Huraiz graduated from Al Ain University in 1994 with a Bachelor Degree in Accounting.

Current Board memberships include:

• Noor Islamic Bank PJSC

Mr. Hussain AlQemziGroup Chief Executive Officer of Noor Islamic Bank PJSC , Noor Takaful Family PJSC, Noor Takaful General PJSC and Noor Investment Group LLC

A seasoned banker with over 26 years of extensive experience working with the leading financial institutions in the UAE, Mr. AlQemzi now helms Noor Investment Group, and its flagship entity Noor Islamic Bank as its Group CEO.

Mr. AlQemzi is an insightful leader with proven experience of incubating, leading and managing strategic ventures and business transformation initiatives.

Prior to this Mr. AlQemzi was the Chief Executive of Sharjah Islamic Bank and a former Board member of Dubai Financial Market (DFM), and Dubai International Financial Exchange (DIFX).

Mr. AlQemzi also served as Chief Operating Officer of DIFC, and is credited with laying the ground for a World Class Financial Centre.

Current Board memberships include:

• Emirates Institute for Banking & Financial Studies

• Emirates Media• EMAAR Properties PJSC• DIFC Authority• Awqaf and Minors Affairs Foundation• Noor Islamic Bank PJSC, Noor Investment Group

LLC, Noor Takaful General PJSC, Noor Takaful Family PJSC


Shari’a Board

Sheikh Dr. Mohamed Ali Elgari Chairman

Sheikh Dr. Mohamed Ali Elgari is an expert of the Islamic Fiqh Academies of Jeddah and the Islamic World League. He was Professor and Director of the Center for Research in Islamic Economics at King Abdulaziz University, Jeddah.

He is a member of Shari’a Boards of many institutions including International Islamic Financial Market, Dow Jones Islamic, Citi Islamic Investment Bank, AAOIFI, Merrill Lynch and many more.

Sheikh Dr. Abdul Sattar Abu GhuddahVice Chairman

Sheikh Dr Abdul Sattar Abu Ghuddah is a member of the International Islamic Fiqh Academy of Jeddah. He was a visiting professor at Saleh Kamel’s Center for Islamic Economics, Al Azhar University.

He is a member of Shari’a Board of many institutions including AAOIFI, Al Baraka Banking Group, Dubai Financial Market, Central Bank of Bahrain and many more.

Sheikh Dr. Mohamad Daud BakarMember

Sheikh Dr. Mohamad Daud Bakar is the President/ CEO of the International Institute of Islamic Finance and Amanie Business Solutions. He was the Deputy Rector of the International Islamic University of Malaysia.

He is a member of the Shari’a Advisory Council of the Central Bank of Malaysia, International Shari’a Research Academy for Islamic Finance, AAOIFI, BNP Paribas, Morgan Stanley, Islamic Bank of Asia and many more.

Sheikh Dr. Mohammad Abdulrahim Sultan Al OlamaMember

Sheikh Dr Mohammad Abdulrahim Sultan Al Olama is currently an Associate Professor of Islamic Jurisprudence in UAE University, expert of the Islamic Fiqh Academies of Jeddah and the Islamic World League and member of Council of Awqaf and Islamic Affairs, Dubai.

He is a member of Shari’a Boards of many institutions including AAOIFI, Mawarid Finance, Minhaj Shari’a Advisory, Al Jazira Capital and many more.

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Noor Islamic Bank

Product Overview

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Noor Islamic Bank offers a comprehensive range of products and services for your growing needs and expectations

Product Overview 35

Noor Islamic Bank offers a personalised portfolio of products and services for your growing needs and expectations. This is reflected in the long-term relationship and trust that we have with our customers.

Be it Personal Banking or Wealth Management, we differentiate ourselves with the most comprehensive and innovative set of Shari’a compliant products and services with the convenience that you require.

We bring you a one-stop banking partner with unlimited possibilities. To discover more visit any of our branches or contact us on 800-NOOR (800-6667).

Personal Banking with Noor Islamic Bank


Product Overview

Accounts and ServicesA choice of Shari’a compliant transactional accounts and deposits that meet your everyday banking and long-term savings needs.

• Addvantage - A bundle of products and services in one package

• Current Accounts• Savings Accounts• Current and Savings Hybrid Accounts• Term Deposits (Mudaraba Investment Deposits)• Wakala Investment Deposits• Payroll Solutions (WPS –Wage Protection

System Certified)• Safe Deposit Lockers • Exchange Services

Card SolutionsOur unique range of Shari’a compliant cards promises to exceed your expectations in terms of features and value added benefits. As a Noor Cardholder you are automatically entitled to a range of exclusive and attractive benefits, features, and programmes.

• Tawarruk Credit Cards• Fixed Fee Cards• Charge Cards Finance SolutionsWe provide an innovative range of financing solutions for all your lifestyle requirements.

• Auto Finance Solutions• Home Finance Solutions• Personal Finance Solutions• Secured Covered Drawings

Wealth Management SolutionsOur wealth management service caters to all money matters throughout all phases of life, from wealth management, creation, preservation, financing and lifestyle.

• Relationship Managers • Investing for the Future • Day-to-day banking needs • Financing • Plan for the un-planned • Services & Benefits

Banca Takaful SolutionsWe aim to go that extra mile in providing you a new paradigm of convenience to meet all your takaful requirements including your savings, investments, life protection, valuable assets, lifestyle, travel and medical.

• Travel Takaful• Individual Medical Takaful• Homeowner’s Takaful• Motor Takaful• Group Medical Takaful For Labour Workers• Group General Accident Takaful• Investment Plan• Retirement Plan• Children’s Future Plan• Savings Plan• Universal Takaful Plan

We bring you a one-stop banking partner with unlimited possibilities.

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Noor Wholesale Banking provides a comprehensive suite of Shari’a compliant solutions for our Institutional, Wholesale and SME customers. We offer solutions that meet the requirements and challenges of your business through a strong focus on your requirements and driven by industry insight, technological innovation and highest commitment to service quality.

Our solutions cover wholesale finance, real estate, investment banking, contracting finance, trade and cash management, capital and debt market products, treasury products, and international banking services. Also, our business relationships go beyond merely offering products. At Noor Wholesale Banking, our vision is to partner with you - to help identify areas for your growth and efficiency while suggesting practical, cost-effective ways to make the most of the opportunities that arise.

Wholesale Banking with Noor Islamic Bank


Corporate and SME Banking Solutions• Corporate Finance Solutions – Goods/Commodity Murabaha– Ijarah– Islamic Covered Drawings• Corporate Deposit Solutions

Global Transaction Services • Cash Management– Liquidity Management– Collection Services– Payment Services– Escrow Services– Information Services • Trade Services – Import Services– Export Services– Documentary Collections Guarantees Financial Institutions Solutions• Letters of Credit (LC) Confirmation• Back to Back LC Issuance• Back-to-Back LC Financing• Issuance of Guarantee against Counter-

guarantee• Risk Participation Agreement• NOSTRO Accounts• Syndication Origination

Treasury Solutions• Foreign Exchange Solutions– FX Spot– Islamic FX Forward (W’aad)• Liquidity Management Solutions– Commodity Murabaha– Wakala Investment• Hedging Solutions– Profit Rate Swap– Islamic Cross Currency Profit Rate Swap• Investment Solutions– Dual Currency Murabaha– Islamic Structured Deposit– Sukuk

Investment SolutionsNoor Islamic Bank provides a range of structured investment products.

• Corporate Finance– Sukuk– Syndication – Securitization

• Structured Finance– Aircraft Financing– Transport / Infrastructure Financing– Structured Trade Financing– Structured Leasing Solutions

• Project Finance– Project Feasibility – Limited or Non-recourse Financing– Export Credit Facilities

• Advisory– Mergers and Acquisitions– Capital Structuring– Restructuring Advisory– Valuation and Financial Modelling

Product Overview

At Noor Wholesale Banking, our vision is to partner with you.

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Noor Islamic BankNoor Islamic Bank

Our People

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Our People 41

AAamer Zaidi

Aamir Naveed

Aayat Jafer Ali Mansoor Ali Al Madhoob

Abbas Ali Mehdi Hassan Choudhary

Abbas Ali Mokshed Ali

Abdel Rahman Ahmed Elnagoumi

Abdul Fattah Ghassan Hussein

Abdul Ghaffar

Abdul Hameed Sayed

Abdul Haseeb

Abdul Haseeb Khan

Abdul Kader Kane

Abdul Kareem Sayenna Mohamed Mohideen

Abdul Mateen Ansari

Abdul Monem Al Abdullah

Abdul Nasser Mahmoud Mohammed

Abdul Qadir Ali Lootah

Abdul Rahman AlSagaf

Abdul Rauf

Abdul Salam Sanoj

Abdul Vajid Muhammadali

Abdulaziz Dhiyab Aziz Al Abdul Salam

Abdulgafar Mohamed Adam Awaleh

Abdulla Ali Mehrab Al Balooshi

Abdulla Bin Ahamed Cheriya Thaithodarhil

Abdullah Omar Suleiman Al Jabai

Abdulrahman Abdulla Ismail Al Mutawa

Abdulrahman Dost Mohammed Saleh

Abdulrahman Mahmoud Al Khatib

Abdulrahman Mohammad Amin Fekri

Abeer Ibrahim Al Awar

Abeer Ismaeel Ahmed Al Marzouqi

Abeer Mohammed Rashid

Abhijeet Awale

Abhijit Sarkar

Abrar Hussain

Adeel Tufail Chaudhry

Adeel Uz Zaman Safvi

Adnan Hussain

Adnan Zaheer

Adrie Els

Aftab Ahmed Bhutto

Aftab Ahmed Khan

Aftab Alam

Ahlam Mahmoud Samara

Ahmad Khalifa Abdulla Khalifa Bin Seraei Al Mehairi

Ahmad Mohammed Ababneh

Ahmad Mustafa Al Shareef

Ahmad Kabbani

Ahmad Yousuf Salem

Ahmed Abdulrahman Ahmed AlMahmoud

Ahmed Adel Salman Al Heweiti

Ahmed El Abbady

Ahmed Ismail Mohammed Ahli

Ahmed Kalim

Ahmed Khalid Ahmad Abulhoul Al Falasi

Ahmed Rafat Mustafa

Ahmed Sayed Metwally

Ahmed Zaki

Ahsan Fazili

Ailya Kazim

Aisha Yousuf Al Muhairi

Akram Siraj

Alaa Jihad Saad

Alain Marckus

Albert Anthony Soosay

Aldrin Gerard Earl

Alfonsa Heredia

Ali Abdulla Ahmad Abdulla Alamoudy

Ali Darwish Ghuloom Ahmed Baqer

Ali Khalid Ali Sharaheel Al Kathiri

Ali Mahmoud Moustafa Ali

Ali Mohammed Hussein Dallal

Ali Raza

Ali Raza Ratnani

Ali Salim Dakroub

Ali Sultan Rakkad Al Amri

Alia Khalifa Obaid Khalifa Jadah Al Ali

Aliya Khan

Aliya Mughal

Allan Lound

Amal Salmin Abdulla Salem

Amani Rahim Jassim Ali

Amanullah Khan

Amany Mohamed Mohamed Ibrahim

Amar Javed

Amber Sabah

Ambreen Azmat Khan

Amer Bashir

Amin Hashmi

Amin Younus

Amina Ismail Mahmoudi

Amine Meliani

Amir Baig

Amir Umer

Amira Emselmi

Amira Mohammed. Al Dhaheri

Amit Giri

Amjad Fareed Khan

Amjad Hasan Abdullah Naser

Amr Abdel Fattah Farrag

Anfal Abdulla Mohammed Mahmood

Angelina Lim Hui Hoon

Anglita Puedan Sollano

Anil Khuwaja

Anila Ali

Anjum Zahid Hussain

Anubhav Kochar

Anupa Remesh Thawani

Aravind Ramkumar

Aref Yousuf Abdulrahman Al Attar

Arshad Khan

Arun Seetharaman

Asad Batla

Asadullah Shaikh

Ashish Patel

Ashraf Alullah Kandy

Asif Nabil Albarghothi

Asma Mohammed Essa AlHeloo

Asma Rasheed Ahmed

Asma Sheriff

Aswathi Vijaya

Atis Bagchi

Atul Kundra

Ayesha Ahmad Mohammed Kolat

Ayesha Saeed

Ayman Elsayed Al Boraei

Ayman Haj Awad

Ayman Ismail Salah El Abd

Ayman Sami Homoud

Aysha Ahmed Ramadhan

Azza Adel Alian Aboukoush

Azza Hamad Suroor Mohamed Sultan Al Kaabi

BBabu K B

Badia Bouhaddou

Badreya Ali Al Dashti

Balaji Muthu

Balaji Saranathan

Basel El Gergawi

Basem Mohsen Shagera

Bashar Khalil Al Jayyousi

Bassam Mohammad Al Bawayeh

Biju Arackal

Biju Nair

Biju Pola

Bilal Moin

Byju Joseph

CCarlos Dalisay

Chandrasekhar Ramachandran

Chandrasekhar Thangaraju

Cheryl Nesamani

Cibu Francis

Claire Yap Cababat

DDahlia Mohamed Ahmed Zayan

Dalal Al Safadi

Dalal Mohamed Salah

Damir Galiullin

Daniel Koval

Danny Ramadan El Natour

Darakshanda Khalid

David Burn

Deepak Basandani

Devendra Ailani

Deya’a Abu Taleb

Dhanasekar Subramani

Dhilip Kumar

Dinu Daniel George

Dirar Ali Saleh Obeidat

Ahmed Al Janahi

Farrukh Zahir Kidwai

EEhab Hussein Madbouly

Ehsaan Uddin Ahmed

Emad Baligh Abdel Hafez Maklad

Emad Essam El Din

Emad Hassan Abu Sammour

Eman Haj Yousef

Emeel Wasif Mohammad Fares

Eslam Musa Ali Yassen

FFabian D’souza

Fadi Al Safi

Fahd Reaz

Faisal Ali Mohamed Bin Ghareeb Shehhi

Faisal Faiz

Faisal Hussain Al Raisi

Faiza Ali Abdulla Alzadjali

Faizan Ahmed hashmi

Farah Ahmed

Farah Naz Ibrahim

Fares Abdul Aziz Yaseen

Farhatullah Shad

Farid Ahmad Arboudi

Fariha Fatma

Farrah Nasir Khan

Farwa Imran Malik

Fatemeh Malek Zadeh

Fatheya Abdulrahman Al Hammadi

Fatima Baqir Qurban Ali Abdulla

Fatima Salem Khamis Salem Al Saadi

Fatin Sufian Arnaoot

Fatma Abdulla Abdul Wahab

Fatma Abdulla Al Zarooni

Fatma Abdulrahman Mousa

Fatma Faisal Abdul Khaliq Mohamed Ali

Fatma Ismail Moosa Ismaeili

Fatma Mohammed Noor Al Khaja

Fauzia Hammoud


Fauzia Vohra

Fawzia Ibrahim Al Awazi

Fazal Durrani

Fazal Naeem

Feras Bin Eid AlHussaini

Fraz Uddin Chishti

GGalal Ali Ghanem Kulaib

Ganesh Sivaramakrishnan

Gautam Jayaraman

Gautam Sreedharan

Geeta Sanker

Gev Cyrus Ayrton

Ghaleb Hossein

Ghalia Omar Bushnaq

Ghinwa Ahmed Safa

Gibu Thomas Mathew

Gis George

Gokuldas Panicker

Gopal Lalwani

Gopalakrishnan Nara Simnan

Goran Bajo

Govindharaj Rengaramulu

Graham Stanley Hughes

Gulraiz Khan

Gurvir Man Singh

HHala Abdulla Saeed Abughazyain

Hala Reffat Mohd Mansour

Hala Younes

Hama Hakimi

Hamad Ahmed Almulla

Hamad Hasan Ibrahim Mattar

Hamad Jasem Al Housani

Hamad Mohammed Ahmad

Hamed Saif Ali Malalla Ismail

Hamid Abdullah Khamis Mohamed

Hanaa Zaid Jasseem

Hanadi Abdallah Al Qaroony

Hanan Ahmed Khouri

Hanan Ali Abdullah

Hanan Izhiman

Hanan Qadir

Haneen Al Khatib

Haneen AlAila

Hansa Belani

Haris Kachancheri

Harish Chandran

Harmendra Prakash Ojha

Hasan Askari Zaidi

Haseeb Ahmed Malik

Hasina Patel

Hassan Abdelaziz Hassan Abdelrahman Almidfa

Hassan Ali Abdulla Yasin

Hassan Naim Al Homsi

Hassan Raza Kazmi

Hayfaa Mohammed Saleh

Hazem Hassan

Hend Mohd Taleb Khasif Aljaradi

Hend Rashed Ajil

Henna Charles

Hesam Shokrollah Abdulhamid Yekehsavar

Hessa Ahmed Ahmed Mohammad Bin Yousif Al Shehhi

Hessa Ali Al Joker

Hind Al Attar

Hisham Mirghani Gawish

Hisham Qadri

Hosad Nagaraj

Hosam Hussien Al Refay

Hossam Al Deen Mohammad Raje Al Jabour

Houda Dergham

Houssam Ramzi Al Shaikh

Huma Naz

Husam Mohammed Hassan

Husein Kakajiwala

Hussain Ahmad Al Qemzi

Hussein Adel Hussein El Aref

IIbrahim Abdulrahim Ali Mulla

Ibrahim Khalil Kurkar

Ibrahim Sobhi Mohamed El Shami

Iffat Hussain Khan

Ihab Mostafa Hammad

Imad Kamil Yousef Sawalha

Imam Elias

Imam Hidayat Bin Suhadi

Iman Abbas Ahmed

Iman Bader Habib Hassan Ibrahim Al Rustam

Iman Yousuf Al Sayegh

Imran Ahmed Shaikh

Imran Akbar

Imran Murtaza

Imran Saleem Shaikh

Imthiaz Ahmed

Imtiyaz Ahmed Killedar

Indu Jai Narayan Pandey

Ishaq Dhafar Ali Mohammed Al Bloushi

Ishtiaq Ahmed

Ivan Rosario Dmello

JJabran Wali Muhammad Khan

Jae Seung Kim

Jahanzab Asif

Jalal Sabah Al Saadi

Jamal Mohamed Bahrudeen

James Edwin McPherson

Jan Peter Kirchhoff

Janakiraman Lakshmanan

Jane Indhrani Naidoo Klinke

Javad Khan

Javid Ali Anwar

Jawad Haider

Jawad Qurashi

Jayabharathi Nithiyanantham

Jazeel Jalaludheen

Jesusa Santos Arriola

Jithesh Kumar Sudhakaran

Joginder Singh

John Chang Kheng Hoi

John Jose

John Paul Jabatan Opao

Jongsun Kim

Joshlay Johney

KK.V. Aboobacker

Kamran Abdul Karim

Kanwal Zaman Malik

Karim Atef Ibrahim

Karim Hani Farid Abde Aziz

Karim Hossam Badr El Din

Kashif Ali Hashmi

Kashif Amin Thakkur

Kashif Razi

Kashif Salah

Kashif Zia

Kasim Ali Shabbir

Kavita Jawahar Lal Dangrani

Kazim Ali

Khaldoun Al Khalidi

Khaldoun Jamal Ahmad

Khaldoun Saad Baradan

Khaled Ahmed Sarhan

Khalid Ahmad Ketait

Khalid Iqbal Butt

Khalid Khan

Khalifa Sultan Mahboob Farhan

Khalifeh Jalal Al Musa

Khawla Abdullah Salem Al Saadi

Khawla Eissa Al Mansouri

Khawla Mohammed Darwish

Kholoud Mohd Ali Al Wawi

Koel Gupta

Komilla Punjabi

Kotaiba Al Sammere

Kulthoum Samir Shasha

Kumaravelan Longanathan

LLagghil Seong

Laila Mohammad Mubarak Saeed Al Balooshi

Lamya Saleh Farid Mohamed Al Awaliq

Leena Shah

Leila Noor Ali Ghulam Shah

Liaquat Ali

Lin Jing

Lina Ismail Al Nashash

Lina Mohd Ahmed Al Buhaisi

Liyakath Ali Khan

Loida Mandac Raval

Lokesh Kumar Bhavnani

Lord Rajpar

Luai Sadi Husaain Al Qadri

Lubna Mohammed Al Farsi

MMangalpady Janardhana Shanbhogue

Maged Makram Bekheet Naseem

Maha Ali Ibrahim Ali Ahmed

Maha Hashim Abu Fool

Maha Mahmood Ahmad Abdulrazzaq

Maha Youssuf Awida

Mahamoud Aidid Nur

Mahasin Ismail Tarish

Maheen Amin Mohammed Kamali

Maher Issa Hasan Farraj

Mahesh Kumar Chaturvedi

Mahesh Sanka Fonseka

Mahmoud Abou Adla

Mahmoud Al Laham

Mahmoud Ibrahim Saafan

Mahmoud Mohamed Mohamed Saleh M Saeed Al Ali

Mahvish Hammad

Maisam Ali Contractor

Maisoon Thani Al Marri

Maitha Saied Al Qaheri

Majid Al Banna

Majid Maqbool

Makali Kobeissi

Malik Khurram Shehzad

Malik Muhammad Asim Rafique

Malka Saif Al Marri

Manal Munzer El Shanti

Manif Rifat Saeed

Manoj Balani

Manoj Kumar

Manoj Reveendran

Manzoor Ul Haq Khattak

Maran Soundararajan

Maria Annette Suzara

Mariam Abdulla Sai Ameri

Mariano Fernandes

Marii Abdullateef Bin Brek

Mark Wilcock

Marwa Khadr Ibrahim Abou Eida

Marwa Omar Al Zarouni

Marwan Salah Mohamed Abdulla Al Mehari

Maryam Abdulla Almehairi

Maryam Amiri

Maryam Hassan Idd

Maryam Mohammed Bin Faris

Mayur Gada

Mazen Wael Al Khatib

Medha Prashant Deshmukh

Medhat Maher Anis

Our People 43

Mehsa Sheikh

Mejo Jhonson

Melad Zaid Al Asmi

Merlyn D’Cruz

Mian Shahnawaz Ali

Milind Salvi

Mirza Mahmood Baig

Moaza Juma Khalfan Al Shamsi

Mohamad Abbas Ghunaim

Mohamad Bilal Al Habian

Mohamed Abdalla Hussain Al Sahlawi

Mohamed Abdel Kader Fathy

Mohamed Abdulazim Osman

Mohamed Abdulla Ibraheem

Mohamed Alaa El Din Mohammed

Mohamed Ashfaq Shafee

Mohamed Gaber Abdelaziz Nada

Mohamed Gamil Sherif El Helou

Mohamed Hachich

Mohamed Hady

Mohamed Hassan Ibrahim Hassan

Mohamed Nasim Mohamed Hussein

Mohamed Rizny Ismail

Mohamed Salum Said Abeid

Mohamed Zahir Sameer Mohamed

Mohamed Zaki Hamada

Mohammad Abdel Moniem Abdel Wareth

Mohammad Abdulkarim Makki Jaffar Saleh

Mohammad Ali Bakri

Mohammad Anwaruzzaman

Mohammad Atif Khan

Mohammad Bassam Al Baz

Mohammad Dawood Al Awadhi

Mohammad Ghazi Mahmoud Abu Amer

Mohammad Imthiyas

Mohammad Irfan Khan

Mohammad Kaleem

Mohammad Lateef

Mohammad Shadab Ashraf

Mohammad Waseem

Mohammad Wasim Raja

Mohammad Yousef Aljamal

Mohammd Danish Ali

Mohammed Abdullah Mohammed Al Eidroos

Mohammed Ahmed Abdullah Kodrazi

Mohammed Alaa Eldin

Mohammed Asfaq Ali

Mohammed Azimuddin

Mohammed Ghazi

Mohammed Jawad Akber Khan

Mohammed Khader Ramadan

Mohammed Mufid Khalil Qundah

Mohammed Qadeer Abdullah

Mohammed Qasim Agha

Mohammed Rajeeb Hassan

Mohammed Said Al Tamimi

Mohammed Said Nasr

Mohammed Tariq Alattar

Mohammed Wajid Ahmed

Mohammed Younis Jamal Mohammed Alsayed

Mohammed Zacheria Fazeer

Mohammed Ziauddin Kareemuddin

Mohannad Zohair Darwish

Mohammed Nazri Bin Chik

Moin Akram

Mona Badih Houri

Monocheher Mehdi

Moutaz Blaa Ahmed Mohammed

Moza Yousuf Mohammad Mubarak

Mubarak Chaudhry

Mudit Pant

Muhammad Adnan Muhammad Asrar

Muhammad Ahmed

Muhammad Asif Haroon Marfani

Muhammad Asim Khan

Muhammad Azeem

Muhammad Bilal

Muhammad Fahad Siddiqui

Muhammad Faisal Talib

Muhammad Farooq

Muhammad Fayyaz

Muhammad Irfan Ul Haq

Muhammad Kashif Aziz Ahmed

Muhammad Murtaza Khan

Muhammad Naeem

Muhammad Rizwan Khan

Muhammad Saleem Amir

Muhammad Shahbaz

Muhammad Shakir

Muhammad Siddique Shahid

Muhammad Tarique Rehmat

Muhammad Umar Khan

Muhammad Umer

Muhammad Usman Amin

Muhammad Usman Khan

Muhammad Usman Khan Khakwani

Muhammad Waleed Ashraf

Muhammad Waqas

Muhammad Yousaf

Muhannad Abdul Rahman

Mujeeb Khan

Mukund Jagannathan

Mumtaz Abdullah

Mumtaz Ali Khan

Muna Abdullah Galadari

Muna Ahmed Al Jaber

Muna Ali Hussain

Muna Ibrahim Al Mazem

Muna Mahmoud Hasan Kodas

Munawar Ali Alvi

Munazza Waqar

Muneer Thayal House

Munzir Mohd Altayeb Ahmed Ali

Murad Farid Yousef Al Takrouri

Murshid Sabar Hussein Al Amoody

Murtaza Ali

Mustafa Yousuf Dhilla

NNabeel Ali Khan

Nabeel Zuberi

Nade Ali Kazmi

Nadeem Ahmed

Nadeem Akhtar

Nadeem Mohammed

Nader El Sayyed

Nadia Arfauddin

Nadia Aurangzeb Khan

Nadia Naeem

Nahid Ali Al Majidi

Naila Saqib

Najeya Al Qubaisi

Nancy Ghazarian

Nancy Taniegra

Narayani Arunkumar

Naren Chandra

Nargiza Karimova

Naseeruddin Sher Ali

Nasrin Nouroozi Ghoreishi

Nasrulla Sultan

Nasser Salem Nasser Al Nahdi

Nauman Ahmed

Naveed Rashid

Nawal Kebouri

Nawal Said Laouar

Nay Nasser

Nazeer Ahmed

Nazha Ahmad

Nazish Hussain

Neeraj Rathi

Nevin Ehliel

Nile Rabbani Awan

Niraj Kumar

Nishad Yahiyakoya

Nishat Ahmed

Nithin Charles

Niyaz Halid

Noman Ahmed Gill

Noora Fadhel

Noora Ibrahim Ali Hassan Albalooshi

Noora Nasib Saeed

Noora Youssuf Al Gargawi

Noureddin Al Khaldi

Nuha Othman

Nuha Saleh Abdulla Saleh

OOlin Maria Lasrado

Omaima Mustafa

Omar Anwar

Omar Hayat Rahman

Omar Mohamed Abdulr Rahman Mohamed Al Blooki

Osama Ahmed Mohammed

Osman Malik

PP. Ismayil

Pankaj Sharma

Parveen Habib Ali Mohammed Kokar

Parvez Baig

Pervaiz Akhtar

Poobalaganapathi Ayyadurai

Pooja Jatwani

Pottiyangattil Hakeem

Pradeep Kumara Weerasinghe

Pramila Chandrakant

Prasad Balachandran

Prasanna Rao

Prashant Anand

Prashant Sarwade

Prashant Sitlani

Prema Noronha

Puneet Batra

Puthenpurayil Cherian Binu

QQaiser Hayat Khan

Qusay Jaffar Abdulaal

RRabea Essa Saif Al Ali

Raed Omar Abdellatif Sabbah

Rafaqat Ali

Rafeeq Purayil

Rafi Ul Haq Mobin Ul Haq

Raghavan Selvamani

Rahim Padinjare Chalil Mohammed

Raja Mohammad Saeed

Rajan Purushothaman

Rajesh Paman Menghani

Rajesh Panjunal Ramchandani

Rajesh Poddar

Rajiv Patil

Rakesh Thekke Thalakkal

Ramanathan

Ramanathan Kannaiyan

Ramesh Gopal

Ramkishan Jakhmola

Ramnath Divakaran

Ramnath Venkatraman

Ramzi Al Rimawi

Ramzi Hassan Younes


Rana Fallaha

Rana Muhammad Abdullah

Rana Ratib Khalil Dalani

Ranchu Nair

Randa Hamada

Rashed Mohamed Al Humairi

Rauf Arshad

Rayance D’Souza

Raza Ali Rashid

Reem Mohamed Ahmed Abdalla

Reem Yousuf Mohammed Al Wari

Reyadah Mohammed Al Kilani

Richard Puttick

Riden Canonigo

Rim Abdullah Naseer Alafif

Rishee Passi

Rivi Wickramarachchi

Rizwan Shakoor

Ro Eve Baluyot

Roger James Warnock

Rola Seifeddine

Ronald Hullana

Roopa Sivakumar

Roudha Mohammad Ibrahim Bilal Al Daisi

Rowena Bhurjee

Rupina Abdul Hamid Salim

Rushani Thanishka Thejasiri

SSudarsan

Saad Abdul Rahim Lakhani

Saadaat Yaqub Bajwa

Sabine Kouyoumdjian

Sabreyah Habib AlAwadhi

Sabrina Tariq

Sachin Joshi

Saeed Amer Al Ghaferi

Saeed Matar Al Marri

Saif Mohammed Qambar Al Baloushi

Saira Altaf

Sajjad Ahmad Satti

Saleem Nawaz Meran

Salem Saeed Salem Bin Daar

Salha Malalla Mohammed Al Hammadi

Salimuddin Kasam Shaikh

Salwa Mohammed Qahtan Thabit

Sameera Abdulaziz Al Jallaf

Sameera Abdulrahman Mohamed Omar

Sami Ahmed

Sami Ainous

Sami Ibrahim Al Awadi

Samir Mubarak Alalawi

Samira Mohamed Al Nusairi

Sana Amjad

Sanam Ali

Sandeep Dung

Sanjeewa Asanka

Sankar Ganapathy

Santhosh

Santosh Kumar

Sanwal Qureshi

Sara Ba’alawy

Sara Akkila

Sara Mustafa Karam

Saroj Dhal

Sathik Batcha

Saud Yousuf Ahmed Al Khoory

Sayed Aziz Hussain

Sayed Sarfaraz Nawaz

Scherezade Razi

Seham Abdulrahman Al Zarouni

Shabeer Buruhanudeen

Shadi Samir Kandil

Shafaqat Ahmed

Shahbaz Khan

Shahid Ali

Shahid Hussain Randhawa

Shahid Latif Khan

Shahzad Ismail

Shahzad Ul Haq Siddiqui

Shaik Khaleel Ullah

Shaima Ibrahim

Shakeel Akhtar

Shali Parakkot Aboobacker

Shamila Christine Perera

Shams Ul Haque

Shariq Hussain Naqvi

Shatha Syed Mohammed Reza Al Hashimi

Shayma Mohammed Hassan Al Redha

Shehbaz Khalid Butt

Shehnaz Zahra

Shehryar Iftikhar

Sheik Siraj Ahmed

Shirin Noroozi

Shoaib Saleem

Shweta Sagar Obhroi

Siham Bengrine

Skander Ben Omrane

Slim Bouker

Sobia Khalid

Sohail Akhtar Satti

Somasundaram Iyer

Sonia Ismael

Sreedevi Mani

Sridhar Sankarasubramanium

Srinivasa Desikan

Srinivasan

Sriram P

Srividhya Erugula

Stephane Taleb

Subramanian Nandakumar

Sudhakar Laxman Suratkal

Suhail Salem Masood Bamzena

Sujata Varma

Sukumar Nanwani

Sulaiman Mohammed Al Hargan

Sulaiman Sait

Sumaya Haji Hassan Yousuf Al Balooshi

Sumeet Vasandani

Sundareswar Ganapathy

Suniti Tiwari

Suresh Subramanian

Suroor Ahmed Khan

Sushen Acharyya

Swatee Hemant Wagh

Syed Abidi Haider Abbas

Syed Ahmed

Syed Asam Raza

Syed Aziz Haider Naqvi

Syed Hammad Karim

Syed Hassan Abbas Naqvi

Syed Hussain Shirazi

Syed Ibrar Ali Kazmi

Syed Mazhar Ali Shah

Syed Moazzam Ali Kazmi

Syed Mohammed Jafri

Syed Moosa Kaleem Al Falahi

Syed Mubashir Hussain

Syed Nadeem Hasan Rizvi

Syed Najamul Hasan

Syed Qarar Hasan

Syed Raheel Hashmi

Syed Raza Abbas Rizvi

Syed Salman Mehdi

Syed Shoukath Hussain

Syed Tariq Ali

Syed Yahya Sultan

Syed Zaheer Ahmed

Syeda Misha Ahmed

TTabrez Abdullah Shaikh

Tahir Mahmood Sail

Taline Ousana Pamboukian

Tamsil Iftikhar

Tapasya Acharya

Tarak Bouattour

Tariq Mohamed Wali Abdulla Karmostaji

Tariq Murad Abdulla Mohammed

Tarun Sethi

Tatum Dennis De Souza

Tehmina Yakoob

Tejas Sampat

Thafshid Hashim Cheekylodan Cheriyakuwereyil

Thomas Paulose

Thomas Poovatil

Thuraya Mohammed Suhail

Toqir Ahmad

Trevor D’Souza

Tuan Ahamath

UUbair Mohammed Butt

Umer Jawad Zuberi

Unnikrishnan

Usman Ahmed

VVariyambath Bhaskaran

Vikas Misra

Vikas Sawhney

Vikrant Maurya

Vinod Babu Premakumari

Vinod Puthran

Vishnu Gokuldas

Vishwas Bhatia

WWadhha Bakhit Salem

Wael Sami Mohamed Saed Mohamed

Wael Samih Samaha

Wael Samir El Naggar

Wafa Muhsin Jasim Ali

Wafa Sultan Al Olama

Wajih Ahmed Qureshi

Wajih Hansmukh

Walid Ahmed Ahmed Saad

Walid Ahmed Sherif Hafez Abdel Moneim

Walid Mahmoud Abdulla Hassanin Abou Khodeir

Waqar Ahmed Sharif

Waqar Jameel

Wasim Mohsen Najjar

William Sean Higgins

YYang Jin Kim

Yaqoob Fadhul Rashid Al Doseri

Yaser Abdul Kareem Ibrahim Abuquta

Yaser Abdulrahman Mohammed Al Shaikh

Yasir Arafath

Yasir Hanif

Yusuf Zakir Ahmed Darwish

ZZabir Ahmed

Zaheeruddin Ahmed

Zahra Dorri Nogorani

Zahra Qamber Al Mazem

Zakaria Kanineh

Zeeshan Zafar

Zena Nabih Darweesh Brake

Zohra Arif Sayed

Zuhair Bin Redha

Zulfikar Ali Memon

Our People 45

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