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MENA Mortgage Summit 2014

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MENA Mortgage Summit (27 - 29 October, 2014 in Dubai) is a great platform to gain critical market information and frame proven strategies to minimise risks, increase profitability and capitalize on …

MENA Mortgage Summit (27 - 29 October, 2014 in Dubai) is a great platform to gain critical market information and frame proven strategies to minimise risks, increase profitability and capitalize on this growth.

MENA Mortgage Summit is a comprehensive gathering of senior regulators, authorities and mortgage professionals. The summit will provide an in-depth insight into the changing mortgage landscape across the region as well address the regulatory, strategic and financing challenges mortgage professionals face. It delivers banks and independent mortgage providers with strategic insight and techniques to overcome financing, structuring and recovery challenges effectively.

The last couple of years has seen a huge change in mortgage regulations and has seen dramatic increase in sales volumes and values across the region. This increase has created enormous opportunities for the mortgage industry. However, strict regulations, a continued lack of efficient consumer data and limited recourse opportunities make this a challenging market for profitable growth.

MENA Mortgage Summit will pack you with the best practices and first hand updates on the Mortgage Regulations, Managing Risks, Lack of financing, Product Innovation, Islamic Mortgage Structure and Reliable Credit Information.

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  • 1. www.mortgagemena.com Media Partners PLUS! GAIN EXECUTABLE TOOLS AND TACTICS WITH TWO PRACTICAL WORKSHOPS A Differentiating your products to gain competitive advantage, enhance product offerings and increase market share B Effectively structuring Islamic mortgages to increase product offerings and capture the significant potential of the Islamic mortgage sector BOOK BEFORE 5 June and SAVE up to US$ 1,398 27 – 29 October 2014 The Address Hotel, Dubai Mall Dubai, UAE Devendar Agarwal Business Head - Credit Cards & Loans, UAE and Director & Assets Head, Middle East & Africa Citi, UAE Varun Sood Chief Home Finance Dubai Islamic Bank UAE Abdullah Albrahim Head of Financing Studies Unit The Institute of Banking, Saudi Arabian Monetary Agency Pawan Dhawan Vice President Mortgages Mashreq Bank UAE Ashish Sood Deputy CEO Retail and Private Banking Ahli Bank Oman Yasser Abu Ateek Chief Executive Officer Dar Al Tamleek Co Saudi Arabia Competitive structuring, differentiation and recovery strategies to drive growth and profitability an informa event KEY TOPICS Regulations Risk Management Differentiation Islamic Mortgages Credit Information Market Forecast Structuring PRESENTING AN EXECUTIVE PANEL OF MORTGAGE LEADERS What’s happening at the MENA Mortgage Summit? INTERACTIVE LEARNING Develop a robust internal management framework by effective mortgage structuring, differentiation and recovery through cutting- edge discussions, extensive workshops, panel debates and roundtable discussions MEET THE REGULATORS Assess current and future mortgage policies and their impact on your business growth directly from the regional regulators COUNTRY SPECIFIC ROUND TABLES on UAE, Saudi Arabia, Qatar and Bahrain Gain up-to-date information on regulatory frameworks, future market movements and business critical insight on key regional mortgage markets WORKSHOPS Get implementable solutions and key take away tools for mortgage product differentiation and Islamic mortgage structuring KNOWLEDGE EXCHANGE Discover the latest solutions that real estate valuers, consultants, insurers and real estate developers are developing to improve efficiencies in your lending operations HOSTED NETWORKING Exchange business cards and gain valuable face-to-face time with regulators, authorities and industry peers. A quick and effective way to expand your business network and generate key contacts in the industry LIGHTNING TALKS Take centre stage in the discussions! A unique interactive format to give your feedback and suggestions directly to the audience of regulators, banks and solution providers #MENAMORTGAGE
  • 2. Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com Who Will You Share Insights With? 3% Credit Information Providers 12% Mortgage Brokers 3% Insurers 5% Government Authorities 30% Banks 12% Real Estate Valuation Consultants 10% Consultants 20% Independent Mortgage Providers 42%UAE 5% Oman 20% Saudi Arabia 5% Kuwait 10% Qatar 10% Bahrain HIGHLIGHTSHIGHLIGHTSHIGHLIGHTS 20+ regional and international leaders covering regulations, mortgage structuring, recovery and differentiation to enable you to effectively comply to policies and ensure profitability 20 sessions and brand new formats including knowledge exchange, lightning talks and fireside conversations to enhance your learning and knowledge sharing experience Candid discussions with key regulators and authorities across MENA to get insight into future policy developments 360degree insight through participation and discussion with real estate valuers, consultants, mortgage brokers and real estate developers to enable you to access business critical market information 8+ hours of facilitated networking to help you make the right contacts and help you develop your business HIGHLIGHTSThe last couple of years has seen a huge change in mortgage regulations and has seen dramatic increase in sales volumes and values across the region. This increase has created enormous opportunities for the mortgage industry. However, strict regulations, a continued lack of efficient consumer data and limited recourse opportunities make this a challenging market for profitable growth. MENA Mortgage Summit provides you with a platform to gain critical market information and frame proven strategies to minimise risks, increase profitability and capitalize on this growth. A comprehensive gathering of senior regulators, authorities and mortgage professionals the summit will provide an in-depth insight into the changing mortgage landscape across the region as well address the regulatory, strategic and financing challenges mortgage professionals face. It delivers banks and independent mortgage providers with strategic insight and techniques to overcome financing, structuring and recovery challenges effectively.
  • 3. Monday | 27 October 2014Conference Day One 08:00 Registration and morning refreshments 09:00 Opening remarks from the chair 09:10 Opening UAE Keynote: Navigating the UAE’s current regulatory framework and future projections to ensure compliance • Understanding the regulatory changes over the previous year to effectively comply with these norms and understand their impact on your business • Mapping the impact of regulatory changes on lenders and borrowers in the short and long term • Exploring the importance of the Central Banks’ role in developing a robust framework to ensure the sustainable growth of the mortgage industry • Determining the effect of changing regulations on market dynamics to effectively understand the risk impact on your business • Analysing the current steps taken by the Central Bank to develop a balanced regulatory framework in the future 09:40 Keynote - Regional Regulators Panel and Open Discussion: Understanding the impact of evolving regional legislation on MENA’s home financing market • Mapping the latest developments in the region’s regulatory frameworks • How is the UAE, Saudi Arabia, Qatar & Baharin mortgage law evolving and what are the implications for mortgage providers? • Exploring the latest developments in repossession and foreclosure in the region • Comparing regional Loan-To-Value (LTV) and Debt Burden Ratio (DBR) across MENA • Determining current and future policy developments to develop a sustainable regional framework for the mortgage industry May Abdel Hamid, Chairman, Mortgage Finance Fund Egypt 10:10 Open Discussion with Regulators: Dedicated time for you to get direct answers from regional regulators on future policy development 10:40 Morning refreshments and speed networking An opportunity to shake hands with regulators, mortgage and home finance professionals as well as service providers in the region. Don't forget to bring your business cards! 11:10 Round Table Discussions: Strategic insight from key regional experts on current regulations, mortgage and real estate market forecasts and specific information on key regional markets UAE | Saudi Arabia | Qatar | Bahrain This session will provide you with in-depth insight into the developing mortgage and real estate markets in the MENA, enabling you to make calculated decisions and effectively expand your footprint in the region. All discussions will run for 40 min simultaneously. UAE: Faisal Iqbal, Senior Vice President - Group Head Mortgages, Emirates NBD Saudi Arabia: Yasser Abu Ateek, Chief Executive Officer, Dar Al Tamleek Co Bahrain: Hashim Al Tamimi, Senior Vice President - Head of Operations, Gulf International Bank 11:50 Critically examining the latest mortgage market updates and future forecasts to effectively understand upcoming trends • Understanding the banks’ perspective of the current market status and how they foresee market movements • Analysing past trends and developments in the mortgage industry to effectively identify critical growth factors • Evaluating the current status of the market in repayment of loans to effectively calculate the risk in the region • Identifying latest market segments and geographies for mortgages to enhance your business and ensure growth • Developing proven strategies to capitalise on the emerging growth in the region Christopher Taylor, Chief Executive Officer, Abu Dhabi Finance 12:30 Evaluating effective risk management strategies for mortgage products to effectively manage credit and market risk and ensure profitability in your business • Exploring key effective strategies adopted by leading mortgage houses to effectively manage risk and profitability • Understanding the importance of customer profiling to minimise mortgage defaults • Evaluating the need for qualified professionals in the mortgage industry to effectively develop a strong resource • Understanding the risks involved in re-finance and purchase in mortgages and overcoming the issues in risk modeling Paul Melotto, Chief Financial Officer, Deutsche Gulf Finance 13:10 Lunch and networking break 14:10 Knowledge Exchange: Round table discussions with key market stakeholders to gain direct solutions and critical market information enabling competitive business growth Real Estate Valuers | Consultants | Mortgage Brokers | Insurance Providers | Credit Information Providers These rapid-fire roundtables, led by six different industry experts, will provide structured in-depth conversations enabling you to access vital information about regions’ mortgage market. Lasting 10 minutes each, you will have the opportunity to join the discussion on every table. 15:10 Afternoon refreshments and networking break 15:40 Afternoon Keynote: Global best practices in product structuring, risk management and financing to implement in your business • Outlining how regulatory and legal frameworks have supported robust market growth • Assessing the processes set for mortgage recovery and NPL’s in these countries • Comparing the MENA mortgage industry with the international markets: What can we do better? • Evaluating the mortgage caps, interest rates and tenures of mortgages in these markets 16:20 Panel: Innovative structures and products to diversify your offering and improve market penetration • Identifying and incorporating new mortgage features like long term fixed mortgages, adjustable rate mortgages and flexible mortgages to enhance product differentiation • Diversifying product offerings such as LTV and DBR to ensure competitive market share • Developing innovative customer education programmes and product marketing campaigns to improve penetration and product growth Devendar Agarwal, Business Head - Credit Cards & Loans, UAE and Director & Assets Head, Middle East & Africa, Citi Javed Afzal, Chief Executive Officer, Aseel Finance Company Pawan Dhawan, Vice President Mortgages, Mashreq Bank Abdullah Albrahim, Head of Financing Studies Unit, The Institute of Banking – Saudi Arabian Monetary Agency 17:00 Closing remarks form the chair 17:10 End of conference day 1 Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com
  • 4. Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com Tuesday | 28 October 2014Conference Day Two 08:00 Registration and morning refreshments 09:00 Opening remarks from the chair 09:10 Fireside Conversation: Exploring the latest developments in MENA’s diverse real estate markets to develop strategies based on future market growth • Assessing the current state of the region’s property market: Projects, values and growth trajectories • Tracking the developments of major residential projects in MENA to assess the demand for mortgages in the region • Leveraging the importance of a combined effort by developers, brokers, lenders and the government to develop a robust real estate and financing market across the region • Mapping the growth trajectory of the real estate market and future demands to effectively strategise for the impending growth Moderated by: Varun Sood, Chief of Home Finance, Dubai Islamic Bank 09:50 Evaluating strategies for raising sustainable finance for independent mortgages providers across the region • Evaluating the key challenges faced in raising liquidity in MENA • Assessing various other sources of finance like sukuk markets to finance mortgage houses in the region • Understanding the current state of the market and devising strategies to raise finance in these constrained market conditions Alex Gemici, Chief Executive Officer, Greenstone Equity Partners 10:30 Morning refreshments and networking break 11:00 Panel: Evaluating the need for developing a strong secondary mortgage market to enhance liquidity and drive market growth • Assessing the importance of government and industry’s role in establishing a strong secondary market in the region • Evaluating strategies to structure secondary market for Shari’a compliant mortgages • Understanding the importance of developing a transparent framework for trading of securities to create a robust secondary market • Learning from across the globe on how to develop and sustain an effective secondary market Alex Gemici, Chief Executive Officer, Greenstone Equity Partners Javed Afzal, Chief Executive Officer, Aseel Finance Company Muhammad Faisal Talib, Head of Retail Risk, Retail Banking, Noor Islamic Bank Ashish Sood, Deputy CEO Retail and Private Banking, Ahli Bank Oman 11:40 Understanding the state and potential of the Islamic mortgage market and best practices for Shari’a compliant product structuring to effectively develop a robust Islamic mortgage business • Evaluating the current Shari’a laws applicable to mortgages, the repayment process and Terms & Conditions • Comparing the financing structure of Islamic mortgages with conventional products • Structuring Islamic mortgages in accordance with the legal framework for non-performing loans to ensure the legal enforceability of mortgages • Understanding the legal rights of mortgage providers and customers under Shari’a laws Tariq Ahmed, Business Head – Home Finance, Abu Dhabi Islamic Bank 12:20 Panel: Strategies for improving the availability of real estate financing to ensure stable project delivery and support sustainable development in the region • Assessing the role of government in stabilising the real estate market and promoting foreign investments in the region and initiatives to ensure sustainable development • Exploring various sources of financing for off-plan properties and developing projects in the region to ensure projects are delivered on time • Understanding how banks will provide sustainable finance for future projects? • Increasing supply of finance for real estate by boosting investor confidence Khalid Mohammed Al Amoudi, Head Real Estate Finance, National Commercial Bank 13:00 Lunch and networking break 14:00 Exploring effective means to manage delinquency, foreclosure and recourse strategies for non-performing loans to effectively recover the principle • Mapping the current non-performing loans in the region and best practices to recover NPL • Exploring the current rate of delinquency and foreclosure across the region • Understanding the current laws regarding repossession and foreclosure in the region to effectively recover non-performing loans • Evaluating the need to rework recovery laws in the region to set-up a robust and transparent process • Leveraging the importance of accurate client profiling and effective mortgage structuring to minimise non-performing loans Vikas Koul, AVP & Risk Manager, Mortgages, National Commercial Bank 14:40 Lightning Talks: A quick succession of short 10 minute stand- up talks with no multimedia or presentation focusing on the key challenges in regulations, financing, mortgage structuring, valuations and foreclosure. Share and learn best practices with your peers across the region and understand how they are working to develop a profitable internal framework for the mortgage business. 15:20 Afternoon refreshments and networking break 15:50 Accessing reliable credit information to develop robust processes and minimise lending risks • Exploring the latest developments and timelines for the credit bureau to set-up a robust credit information framework • Identifying the reliability of critical information provided by the credit bureau to ensure responsible mortgage decisions • Identifying an effective credit reporting system for the UAE to ensure reliable and accessible credit information 16:30 Developing effective strategies for real estate valuations to protect assets, minimise losses, and make well-informed lending decisions • Identifying and overcoming complexities and key bottlenecks in managing risks and controlling costs in real estate valuation • Understanding the set criteria of valuation companies for real estate valuation to effectively appraise properties and balance the asset and market value • Understanding banks’ processes for real estate valuations to ensure a reliable structure • Managing overvaluation through robust risk analysis techniques and valuation tools 17:10 Closing remarks from the chair 17:20 End of conference
  • 5. POST-CONFERENCE WORKSHOPS Overview: The current mortgage cap gives little opportunity to effectively diversify products and differentiate from your competitors. But to be competitive in this market you need to deliver customers with innovative and appealing products to enhance your market share and sustain a profitable business. This in-depth focused workshop will give you a chance to explore practical strategies and tools to ensure that you are innovative and provide your customers with diverse products. Objectives üü Navigating the latest innovations in mortgage products across MENA and assessing attractive markets to innovate your products üü Identifying and incorporating innovative features like long term and flexible mortgage products to enhance product features üü Exploring key market drivers like LTV and DBR and developing strategies to differentiate your product to ensure competitiveness and enhance market share üü Interactive case studies and practical scenarios Who should attend? Heads, Team Leaders and Relationship Managers of üü Mortgage Products üü Mortgage Sales üü Islamic Mortgages üü Home Finance üü Consumer Lending üü Retail Banking üü Loans Workshop Leader: Overview: Islamic mortgages have seen tremendous growth over the past few years and have a growing demand across the region. Yet there are challenges in structuring Islamic mortgages and understanding complex legislation under Shari’a laws which impact their enforceability. This workshop will enable you to clearly understand Shari’a Laws to minimise lending risks and will help you effectively structure Islamic mortgages for your customers. Objectives üü Understanding the difference between Islamic and conventional mortgages üü Evaluating the repayment terms and Terms & Conditions of Islamic mortgages üü Structuring Islamic mortgages in accordance with the legal framework for non-performing loans üü Understanding the legal rights under Islamic banking of mortgage providers Who should attend? Heads, Team Leaders and Relationship Managers of üü Islamic Mortgages üü Islamic Finance üü Mortgages üü Consumer Lending üü Retail Banking üü Loans üü Structuring A Practical tools and best practices for differentiating your products to gain competitive advantage and provide customers with the best products B Effectively structuring Islamic mortgages to increase product offerings and capture the significant potential of the Islamic mortgage sector Wednesday | 29 October 2014 08.30 – 12.30 13.30 – 17.30 99 Understand the current market trends and gain consulting for real estate and valuations 99 Effectively manage the risks involved in mortgage valuations 99 Gain access to reliable and credible credit information in the market 99 Ensure business sustainability through risk and financial consulting 99 Gain insurance cover against mortgage defaults 99 Access critical market research insight, information and analysis about the industry How can you get involved and what is in it for you? 99 Chairing the summit to increase your visibility 99 Hosting closed door by-invitation-only meetings with VIP speakers and guests 99 Presenting specific content-driven sessions with mortgage professionals and regulators 99 Hosting panel sessions, presentations and round table discussions 99 Leading in-depth workshops to solve critical problems and becoming the preferred thought leader 99 Heading knowledge exchange round tables to answer their most pressing questions 99 Hosting evening reception to meet and interact with your target market 99 Launching reports and tailored research to position yourself as a market intelligence and strategy consultant To find out more please contact Michael Moffat on +971 (0) 4 407 2716 or sponsorship@informa.com Upendra Balchandani, Head, Product Development & Product Marketing, Consumer Banking, Commercial Bank of Dubai SPONSORSHIP OPPORTUNITIES Raise your profile in front of leading government and mortgage professionals in the Middle East & North Africa With the real estate and the mortgage industry now effectively recovering from the crisis, banks and independent lenders are gearing up to make the most of future opportunities. Due to the stiff competition in the market and the increasing confidence, banks and independent lenders are looking to:
  • 6. www.mortgagemena.com ND PAYMENTS A confirmation letter and invoice will be sent upon receipt of your registration. Please note that full payment must be received prior to the event. Only those delegates whose fees have been paid in full will be admitted to the event. CANCELLATION If you are unable to attend, a substitute delegate will be welcome in your place. Registrations cancelled more than 7 days before the Event are subject to a $200 administration charge. Registration fees for registrations cancelled 7 days or less before the Event must be paid in full. Substitutions are welcome at any time. All registrations are subject to acceptance by Informa which will be confirmed to you in writing. Due to unforeseen circumstances, the programme may change and Informa reserves the right to alter the venue and/or speakers or topics. AVOID VISA DELAYS – BOOK NOW Delegates requiring visas should contact the hotel they wish to stay at directly, as soon as possible. Visas for non-GCC nationals may take several weeks to process. Conference fees include documentation, luncheon and refreshments. Delegates who attend all sessions will receive an Electronic Certificate of Attendance. All registrations are subject to our terms and conditions which are available at www.iirme.com/terms. Please read them as they include important information. By submitting your registration you agree to be bound by the terms and conditions in full. CALL: +971 4 335 2483 E-MAIL: a.watts@informa.com GROUP DISCOUNTS AVAILABLE AZ 3044 EVENT VENUE: The Address Hotel, Dubai Mall, Dubai, UAE Tel: +971 4 438 8888 ACCOMMODATION DETAILS We highly recommend you secure your room reservation at the earliest to avoid last minute inconvenience. You can contact the Informa Hospitality Desk for assistance on: Tel: +971 4 407 2693 Fax: +971 4 407 2517 Email: hospitality@informa.com © Copyright Informa Middle East Ltd MORTGAGEFN2108LK/AC Register Before 29 May Register Before 7 August Register Before 25 September Register After 25 September Conference & 2 Workshops $3,099 $3,299 $3,499 $3,699 Conference & 1 Workshop $2,499 $2,699 $2,899 $3,099 Conference Only $1,899 $2,099 $2,299 $2,499 Workshop Only $699 $799 $899 $999 Five Easy Ways To Register register-mea@informa.com Informa Middle East Ltd. P.O Box 9428 , Dubai, UAE www.mortgagemena.com +971 4 335 2437 +971 4 335 2438 BEST BUY 27 – 29 October 2014 | The Address Hotel | Dubai Mall | Dubai | UAE FEATURED SPONSORSHIP OPPORTUNITY Knowledge Exchange Round table discussions with all the delegates: Provide direct solutions and critical market information enabling competitive business growth Real Estate Valuers | Consultants | Mortgage Brokers | Insurance Providers | Credit Information Providers These rapid-fire roundtables, led by 6 different industry experts, provide structured in-depth conversations, enabling delegates to access vital information across the industry and giving them a 360 degree perspective on the regions mortgage market. ü Overall 60 min of dedicated discussion with the conference delegates in small groups and a structured format ü Six unique and dedicated 10 min session to interact with the attendees and showcase your expertise and solutions ü Facilitated opportunity to network with each and every conference attendee NEW FORMAT Only 6 slots available BOOK BEFORE 5 June and SAVE up to $ 1,398 To find out more please contact Michael Moffat on +971 (0) 4 407 2716 or sponsorship@informa.com 27 October 2014 28 October 2014 29 October 2014 AM Conference Day 1 Conference Day 2 Workshop A PM Workshop B PROGRAMME AT A GLANCE