1st Retail Banking Africa 2009 - Egypt

visit our website:
www.fleminggulf.com
Understand the ongoing regulatory challenge in
Africa’s Retail Banking
Explore opportunities in emerging markets
Generate profitable retail assets and retail liabili
ties business
Learn on how to control consumer lending
concerns
Benefit from adapting Islamic Finance principles
in your Retail Bank to win customer trust
Analyze how effective your distribution channels
are to reach the unbanked population
Meet and network with the market leaders
operating on both local and global scale
2nd
& 3rd
November 2009
Post Conference Workshop on 4th
November 2009
JW Marriott, Cairo, Egypt
Building Africa’s most Lucrative Retail Bank
FIND YOUR REASONS TO ATTEND
YOUR PRESTIGIOUS SPEAKER PANEL
Silver Sponsor: Associate Sponsor: Supporting Sponsors: Endorsed By:Supporting Bank: Media Partners:
Dr. Ashraf Gamal – PhD, Egyptian
Institute of Directors
Executive Director
Basel Mohamed Bahaa El Din El-Hini
Banque Du Caire, Egypt
Managing Director
Humayun Rashid, Commercial
International Bank, Egypt
CEO – Consumer Banking
Ebrahim (Ebi) Ahmed Patel, FNB &
WesBank Islamic Finance, South Africa
Chief Executive Officer
Najmul Hassan, Gulf African Bank, Kenya
Greg Barclay, Standard Bank Africa, South
Africa
Director – Lending, Personal & Business
Banking
Ashish Bhugra, Citibank NA, Egypt
Business Manager, Retail Bank
Abhinav Nehra, United Bank of Africa Plc
Former Group Director – Global Products Sales
Division
Ashraf Bibars, Bank of Alexandria
General Manager, Retail Banking
Mohammed Mustapha Bintube, Jaiz Inter-
national Inc., Nigeria
Managing Director and CEO
Thomas Matthew, Citibank NA
Country Marketing Director | Cards & Loans
Business Manager
Yasser Abdel Wahab, Banque Misr, Egypt
Deputy General Manager, Retail Banking & SME |
Head of Small & Medium Enterprises
Dr. Moses Khanyile, ABSA Bank, South
Africa
General Manager, Strategy & Business Sustain-
ment | AllPay Consolidated Investment Holdings
(Pty) Ltd.
Mian Muhammad Nazir, Dar Al Sharia |
Dubai Islamic Bank, UAE
Senior Vice President
Ahmed El Karm, Amen Bank, Tunisia
General Manager
Emad El Sahhar
International Islamic Retail Banking Specialist
Caglar Gogus, Peppers & Rogers Group
Managing Partner
Tamas Erni, LOXON Solutions Ltd
Partner
Steve Britton, Mi-Pay
Sales Director
CONFERENCE CHAIRMAN
Former Group Director – Global Products Sales
Division
WORKSHOP LEADERS
Ravi Shankar Chaturvedi, Sunny Side Up
Chief Mentor
LEADERS PANEL SESSION: Building Africa’s
Retail Bank
PANEL DISCUSSION: Road Map to the Future –
Scope and Development of Islamic Retail
Banking in the region
HOT SPOTS
solutions
Retail Banking Africa 2009

THE ADVISORY COUNCIL
CEO’s, Group Managing Directors, Senior Vice Presidents, Directors, Heads & Senior Managers of:
Retail Banking, Consumer Banking, Personal Banking, Branch Banking, Direct Banking, Consumer
Finance, Consumer Lending, Retail Assets, Retail Liabilities, Product Development, Islamic Financial
Services, Business Development, Mortgages, Cards, Loans, Alternate Channels, Delivery Channels,
Electronic Banking, Mobile Banking, Direct Channels, Retail Technology, and Business Banking.
With a population of over 900 million people, Africa is certainly the land of opportunities for retail
banks. From people in the low income sector to the high net worth individual, Africa has it all for
making a profitable retail banking business.
Knowing that almost 75% of Africa’s population is the unbanked, retail banks can still leverage the
opportunity by reaching these unbanked people and provide them with up to date banking facilities.
You being an African Retail Banker might be wondering on a numerous issues such as:
• How to reach the unbanked population?
• How to generate profitable business through assets and liabilities?
• What are the right delivery channels?
• How to leverage with marketing & brand management?
• What can be the ideal consumer lending strategy?
• How to tap the emerging markets?
And above all the question of the day is – How to build a Lucrative Retail Bank in Africa?
Join us at this prestigious five star event, share your experience and knowledge, network with your
industry peers and business partners and let this conference start off a new success story at your
organization.
Retail Banks, Commercial Banks, Islamic Retail Banks, Consumer Finance Companies, Credit Card
Companies, Retail Banking Service Providers, Card Solution Companies, Vendors and Consultants.
Humayun Rashid
Commercial International
Bank
Ebrahim (Ebi) Ahmed Patel
FNB & WesBank Islamic
Finance
Abhinav Nehra, United Bank
of Africa Plc
Former Group Director – Global
Products Sales Division
Ashish Bhugra
Citibank NA, Egypt
Yehia El Agami
Banque Misr
& SME
Shiba Ghosh
First City Monument Bank Plc
SVP – Head of Consumer Banking
Walter Volker
Payments Association of
South Africa
Managing Director
Anver Versi
African Banking Magazine
Chief Editor
Mohamed El Banna, Galaxia
International Service
Chief Compliance Officer
The 2009 advisory council will aid in the quest for providing high quality education on the most significant topics to ever
impact Africa’s retail banking sector.
Who MUST attend
CONFERENCE OVERVIEW
INDUSTRIES INVOLVED
Booking line: tel: + 971 4 6091564, fax: + 971 4 6091589

Day 1: 2nd
November 2009
8:15 Registration and Coffee
8:45 Welcome Note from Fleming Gulf
8:55 Opening Remarks from the Chair
Abhinav Nehra, United Bank of Africa
MARKET FORECAST & OPPORTUNITIES
9:00 KEYNOTE Economic Trends and their Impact on
Africa’s Retail Banking
• Overall Macroeconomic trends of Africa
• The Role of Risk Management to sustain profitable business
• Consumer Banking Potentials in the region
• Profitable Retail Banking initiatives for the future
Basel Mohamed Bahaa El Din El-Hini, Banque Du Caire, Egypt
Managing Director
9:30 The Importance of Corporate Governance for
African Banks
• Meaning of Corporate Governance
• Rule of Corporate Governance in the Banking sector
• Ways to improve Corporate Governance in Banks
Dr. Ashraf Gamal – PhD, Egyptian Institute of Directors
Executive Director
10:00 Potentials of Retail Banking in the region
• Consumer Market Overview – Egypt, Nigeria, South Africa, Kenya
• Prospect of Wealth Management in these regions
• Evolution Stages in Consumer Banking
• Key Learnings from Africa’s best markets
• Product Innovation Opportunities
Former Group Director – Global Products Sales Division
10:30 Morning Coffee, Exhibition and Networking
SUCCESSFUL MARKET EXPANSION STRATEGIES –
HOW TO REACH THE UNBANKED
11:00 CASE STUDY Changing the Landscape of a Retail
Bank
• How to harness and develop gold mine opportunities in domestic
retail banks.
• Adapting to international standards in domestic banks.
• How to leverage branch network & move from transactional
banking to product focus and from there to relationship banking
focus.
• Developing & implementing standards & KPIs.
• Revisiting policies, procedure & compliance practices.
• Change management & silo mentality.
• How to segment & have the organization focus on developing a
profitable consumer franchise.
Humayun Rashid, Commercial International Bank, Egypt
11:30 CASE STUDY Portable Banking – Target the
Unbanked with a Portable Kit
• Portable Bank & the Branch – What’s the Difference?
• Evaluate the Size and Commercial Potential of the Market
• Cost Effectiveness
• Opportunities in Cross-Selling
• Future Trends – Portable Electronic Banking Services
Dr. Moses Khanyile, ABSA Bank, South Africa
General Manager, Strategy & Business Sustainment | AllPay
Consolidated Investment Holdings (Pty) Ltd.
12:00 LEADERS PANEL SESSION: Building Africa’s Retail
Bank
• Develop a long term strategy
• Role of Private Equity & Venture Capital Firms
• Adapt a Customer Centricity formula in product development
• Identify prime markets
• Expand branch networks – Emerging Markets
• Look beyond Organic Growth
Moderator:
Featured Panelists:
Humayun Rashid, Commercial International Bank
Greg Barclay, Standard Bank Africa
Ahmed El Karm, Amen Bank
Dr. Moses Khanyile, ABSA Bank, South Africa
12:30 Luncheon and Prayer Break
BUILDING PROFITABLE BUSINESS THOURGH
EFFECTIVE RETAIL MARKETING, SMALL MEDIUM
SECTOR, ISLAMIC FINANCE & BY CONTROLLING
CONSUMER CREDIT
14:00 Gaining competitive advantage with effective risk
management in retail banking
• A concept of building end to end lending processes: integrated risk
and return
• Gaining reduced cycle times with advanced scoring and decisioning
techniques for retail
• Integrated Data Management: the fundamental asset of the risk
manager
• Automating the risk monitoring system: customer and/or deal
centric approach
• Building up a preventive system of early warning signals and
collection scorecards
• Integrating Basel II requirements into the lending process
Partner
14:30 CASE STUDY Benchmark for Success – Best Practice
in Small Business Finance
• Maximizing Sales Productivity of Relationship Managers
• Automating the Credit Process
• Capturing the Personal Wealth of Small Business Owners
• Customer Experience
• Delivery Channels – Looking Beyond Branch Banking
Deputy General Manager, Retail Banking & SME | Head of Small &
Medium Enterprises
15:00 PANEL DISCUSSION: Road Map to the Future –
Scope and Development of Islamic Retail Banking
in the region
• Growth Opportunities in Africa Islamic Banking Business
• How can banks build a competitive edge?
• Tracking innovations in Emerging Markets
• HR Focus – Talent Management
• Importance of Product Bundling and Innovation
• Innovating in Emerging Markets
• How can Technology support Islamic Financial Solutions?
Moderator:
Ebrahim (Ebi) Ahmed Patel, FNB & WesBank Islamic Finance
Featured Panelists:
Najmul Hassan, Gulf African Bank
Mohammed Mustapha Bintube, Jaiz International Inc.
Mian Muhammad Nazir, Dar Al Sharia | Dubai Islamic Bank
15:30 Afternoon Coffee, Exhibitions and Networking
16:00 CASE STUDY Reaching the market through
effective Branding & Marketing Strategies
• Understanding Market Scenario
• Developing an Educational Marketing Strategy for the Consumers
• Identifying key customer segments for marketing
16:30 CASE STUDY Structuring & Distributing Innovative
Islamic Micro-Finance Products
• Islamic approach to Micro Finance
• Various Islamic models for Micro Finance
• Initiatives in Islamic Micro Finance
• Challenges – Way Forward
• Distribution and accessibility of Islamic Micro Finance Products
17:00 Closing Remarks from the Chair
17:10 End of Day 1
Speakers & Delegates are cordially invited to a
Networking Cocktail Reception

Day 2: 3rd
November 2009
8:15 Registration and Morning Coffee
8:50 Opening Remarks from the Chair
BUILDING A PROFITABLE RETAIL BANK
9:00 CASE STUDY Branch Management Story at Bank of
Alexandria
• Understanding Behaviour patterns of Consumers
• Identify what product sells and what don’t
• Identify Liberalization Policies of each market
• Challenges and Road Map
9:30 Shifting to a Customer Centric Banking Model
• How to understand different customer needs?
• Sales and service models for different segments
• Marketing efficiency and sales uplift – some hints
• Customer Experience convergence in African Market
• Benefits and KPI’s of the Customer Centric Model
Managing Partner
10:00 PANEL DISCUSSION: Deploying a proactive HR
Strategy in Retail Banks
• Managing & Investing in Local Talents
• Making the bank a Center of Excellence
• Attracting retail bankers from Middle East & Asia for Process
Engineering
• Generating & Retaining the skilful
• Investing in Training, Learning & Development
Featured Panelists:
Managing Partner
10:30 Morning Coffee, Exhibitions and Networking
BENEFITING WITH INNOVATIVE RETAIL
PRODUCTS & SERVICES – ROAD MAP
11:00 CASE STUDY Innovations in Developing Savings &
Investment Products
• Savings & Investments trends in Africa
• Customizing various cutting edge products for specific market
segments
• Learnings from Middle East & Asia
• Role of Alternate Channels
• Critical Success Factors
Najmul Hassan,
Gulf African Bank, Kenya
11:30 Mobile Banking Solutions – For the Banked &
Unbanked Consumers
• The Mobile as a payment/banking Channel
• Extending Banking Services to the Mobile User
• Banking the Unbanked
• Branchless Banking
• Effective Fraud Management
Sales Director
12:00 Retail Banking – The World Crisis & Ethical Finance
This presentation will take you through the timelines of what
happened in the world of banking across the last 18 months,
where do banks stand right now and what is the road map for
profitable retail banking. The speaker will drive through the
challenges and opportunities the Economic Crisis has laid down
for all bankers especially in the field of Consumer Lending. Mr.
Emad El Sahhar who is an experienced Retail Islamic Banker
will share his insights and vision on what is the Ethical Financial
Solution for Retail Banks in this presentation.
• Consumer Lending and the World Crisis
o Market Auction
o Looped Segment
o How Leaders see the Crisis
o Borrow wisely…!
• Crisis comes with Greater Opportunities
o The Grameen Bank Story
o Change we can believe in…
o Dragging the Consumer Lending Market to a Healthy
Competition
o Road Map
Emad El Sahhar
13:00 Luncheon and Prayer Break
14:30 PANEL DISCUSSION: Challenges & Opportunities in
Developing a Robust Cards Business Profile
• The need for diversity of products
• How to match clients needs & products?
• Analyzing Customer Segments
• Incorporating Bancassurance options in Cards
• Promotion: Effective Marketing Strategies
• Gaining Competitive Edge to stay ahead of competition
• Production Quality
Featured Panelists:
Thomas Matthew, Citibank NA
Country Marketing Director | Cards & Loans Business Manager
Greg Barclay, Standard Bank Africa, South Africa
Director – Lending, Personal & Business Banking
Emad El Sahhar
15:00 OPEN DEBATE & DISCUSSION: Future of Retail
Banking in Africa
• Potential Markets & Penetrating to Emerging Markets
• Opportunities in Consumer Credit Recovery
• Role of the Consumer Transaction Banking Services
• Islamic Retail Banking as the Future
• Trends & Opportunities
The audience are all invited to contribute their insights about the
potentials & future of the Retail Banking Business in Africa.
15:30 Close of the Conference & Closing Remarks
from the Chair
Farewell coffee and networking
I would like to thank everyone who has helped with the research
and organization of this event, especially the speakers for their
support and commitment.
Fahd Ali Akmal, Senior Conference Producer
fahd.ali@fleminggulf.com
email: fahd.ali@fleminggulf.com, www.fleminggulf.com

9:00 – 12:30 Customer Centric Innovation: Creating and Nurturing Winning Products in the Marketplace
Workshop Overview:
This workshop will walk the participants through the building blocks of creating winning products in the marketplace.
Each segment of the workshop highlights the necessary ingredients required to create and deliver the right product
through the right channel to the right segment. Through a mix of case studies, team work, interactive discussions
and individual reflection, this session aims to arm product champions and business leaders with the insights needed to
innovate and win in an ever evolving marketplace.
Workshop Program:
• De-constructing Innovation
• Learning from Failures
• Product Line Strategy
• Product Creation
• Product Nurturing: Analytics and the Feedback loop
Workshop Methodology:
• Theoretical concepts in brief
• Learning from best and bad practices of others
• Interactive discussions
• Team Work: Learning from one another
• Individual Reflection
Course Director Profile:
Ravi Shankar Chaturvedi, Sunny Side Up
Chief Mentor
A senior business professional with over a decade of international experience in financial services, Ravi Shankar
Chaturvedi has a track record of performance characterized by product innovations, analytics driven turnarounds,
portfolio optimization, P&L management, and market expansion in the diverse and complex markets of Asia, Middle East
and North Africa.
His professional experience is backed by an MBA from the reputed Asian Institute of Management, Philippines and
the Copenhagen Business School, Denmark. A Dean’s list candidate at school, he specialized in Finance and General
Management.
In his recent stint as the Head of Products and Portfolio at American Express Middle East and North Africa, Ravi created
and managed multi currency carding solutions across 18 countries profitably and has been instrumental in introducing
innovative products and in implementing pricing policies and optimization plans to steer the cards portfolio to
profitability.
A specialist in business and product strategy, his understanding of emerging markets and his insights into customer
behavior and cultural nuances across continents enable him to lend his expertise to a diverse set of businesses and non
profits in the capacity of an advisor. He is currently the Chief Mentor to Sunny Side Up, a start up creative agency with a
growing client base in India, Singapore and the Middle East.
POST CONFERENCE WORKSHOP
Day 3: 4th
November 2009

Meet Our Comprehensive Speaker Panel
Dr. Ashraf Gamal – PhD, Egyptian Institute of Directors
Executive Director
Dr. Ashraf Gamal is the Executive Director of the Egyptian Institute of Directors (EIoD), focusing on
Corporate Governance in Egypt and the Arab Region and the Egyptian Corporate Responsibility Center
working on the promotion of the concepts and application of CSR in Egypt. Dr Ashraf is a board member
of Thebes International, board member and audit committee member of Al Ahlya Insurance Company,
Board Member and Head of Audit Committee of Egyptian Resorts Company, ERC, the head of Audit
Committee of Egyptians. He is also a member of the General Assembly of the Holding Company for
Transportation. Dr. Ashraf is the Secretary General of Al Masry Foundation for Community Development,
the National Coordinator for the EU project for Textile Development in Egypt, and a member of the
youth and transportation committees of the National Democratic Party. He is also a member of the
Pension Reform Plan Implementation Committee. He is an Associate Professor of Management, Faculty
of Commerce, Cairo University. He holds a PhD degree from Manchester University, UK, and a Masters
degree in Public Administration from Carleton University, Canada. He further holds a Bachelor degree
in Business Administration from Cairo University with highest honor. Dr. Ashraf worked as head of
Business Administration Department at Nile University for Graduate Studied, affiliated with the Ministry
of Communication & Information Technology. Since 1997, he taught a large number of management
and business courses in Egypt, the US, and the Gulf Area. He has extensive experience in designing
and delivering training courses in management and organizational behavior to multinational and well
as Egyptian public and private organizations. Dr. Ashraf works also as an advisor to the Minister of
Investment, Egypt.
Managing Director
Mr. El Hini possesses 28 years experience in commercial and investment banking, and finance related
areas, with in-depth knowledge of investment, structured finance, international project finance, financial
advisory, structured trade finance, and syndication. Last 18 years in Managerial positions. Mr. El Hini (50
years old) started his career in Egypt as a banker with Misr Iran Development Bank, and then moved in
the mid eighties to the Arab Petroleum Investments Corporation (APICORP) in Saudi Arabia where he
stayed for a long time assuming a number of positions, till he became Middle East & North Africa Business
Group Head. In early 2000 he relocated to Egypt and joined ABN AMRO Bank (the global financial
institution) as Regional Head of Integrated Energy and Power. In 2002 he moved to Misr Exterior Bank
as General Manager and Member of the Board. In 2004 he joined Banque Misr, Egypt‘s second largest
bank, as General Manager, and a year later (2005) was chosen by Egypt‘s Minister of Finance, Dr.
Youssef Boutros Ghali, as his Advisor with the responsibility of financial restructuring and reform of public
ownership. At the beginning of 2008 Mr. El Hini joined NAEEM Group as Chairman & Managing Director
of Naeem Financial Investments (NFI). In September 2008, Egypt‘s Prime Minister‘s Decree on the
reformation of the Board of Directors of Banque Du Caire was issued, with Mr. El Hini selected as a Board
member, and thereafter BdC Board nominated him Managing Director responsible for Credit, Corporate
and Retail Banking. He was Past and present member of Boards of several companies, including Eastern
Company, Bank of Alexandria, Sidi Kerir Petrochemicals Company, Egyptian Institute of Directors,
International Company for Leasing (Incolease), and Ahleya Insurance Company. Certified Instructor of
Structured Finance at the Central Bank of Egypt‘s Banking Institute, and at Cairo American University‘s
Institute of Banking & Finance. Mr. El Hini graduated with a B.Sc. in Economics (1980) from Cairo
University‘s Faculty of Economics & Political Sciences, and later earned his Masters degree in Economics
from the American University in Cairo (1985).
Mr. Humayun Rashid is the Regional CEO of Consumer Banking in the Commercial International Bank
(CIB). Mr. Rashid is an MBA from USA & started his career with Citibank as a Corporate Banker. Later on
he moved to Consumer Banking with Citibank and ABN Amro. In this Capacity he did country specific,
strategic & regional assignments in Singapore, Pakistan, Holland, USA, Canada, Saudi Arabia, Dubai,
Oman and Egypt. Mr. Rashid has a diversified background in Consumer Banking and Corporate Banking
and has a proven track record in spearheading strategic initiatives, building and managing multiple
teams. Over the past three decades Mr. Rashid has developed a specific model of “change management”
which, if correctly applied, can convert a domestic retail bank into a successful consumer banking
franchise. Mr. Rashid has shared his knowledge with each country he visited; he contributed as a visiting
professor at Quaid-E-Azam University (Islamabad, Pakistan), later on he held the position of Advisory
Board Member for UAE University and Higher Colleges of Technology, (UAE) & currently a guest speaker at
the American University in Cairo (AUC).
Ashish has had a 19 year association with Citibank having worked in India, Saudi Arabia, UAE &
Bahrain and has gathered a diverse experience in Wealth Management, Branch Operations, Marketing
& Business Management. In 2004, he was designated as the Country Business Manager for Citibank
in Bahrain, where he has grown the franchise by 30% annually thereby making significant inroads into
the Retail Banking space in the country. Ashish is also a member of the Retail Banking committee of the
Bankers Society of Bahrain. In this role he was actively engaged on behalf of the Central Bank of Bahrain
in designing & implementing the ‘code of best practices’ for Retail Banks. Citibank Bahrain has received
the Best Internet Bank award by Global Finance in 2005, 2006, 2007 & 2008. Additionally, in 2007
Citibank Bahrain was felicitated with the ‘Best workplace award’ and in 2008 for the ‘Best Loans portfolio’
in EMEA. The business also received 4 Regional awards in 2008 on their Cards portfolio. Effective Aug
2009, Ashish has moved to a new assignment in Cairo as the Country Business Manager for Citi’s Global
Consumer Group, Egypt. Ashish joined Citibank in 1990 in India. He holds a double MBA degree from
Birla Institute of Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.
Dr. Moses Khayile, ABSA Bank, South Africa
General Manager, Strategy & Business Sustainment | AllPay Consolidated
Investment Holdings (Pty) Ltd.
Moses’s career pursuits have taken him from being in liberation movement, to public service, academia
and now private sector. He is currently serving as General Manager within Absa Retail Bank and the
Chairperson of the bank’s Transformation and Diversity Forum. He has spent two decades in the public
service, where his last assignment was that of being the Director responsible for overall strategic planning
in the Department of Defence, in support of the Secretary for Defence and the Minister of Defence. In the
academic arena, he has served as a senior researcher and guest lecturer at various academic institutions
and has published numerous papers. In addition to receiving executive management training locally
and abroad, Moses holds Master of Arts, Master of Business Leadership and PhD degrees. He has strong
passion for community development as evidenced by community projects that he conducts in the rural
areas in his personal capacity.
Greg Barclay, Standard Bank Africa
Director – Lending, Personal & Business Banking
Greg has obtained both a Financial Management and Business Management Diploma from Damelin
Management School and The Institute of Commercial Management (UK); completed Robert Coopers
“Excelling in a Changing World: Reaching the Next Level and Beyond”, Advanced leaders LLC USA;
Leadership for the Cutting Edge, Gordon Institute of Business Science; Standard Bank Global Leadership,
Duke Corporate Education (USA). After completing his National Service in The South African Navy
in 1991, Greg joined Standard Bank on a career Development programme after which he joined the
Vehicle & Asset Finance Division working in various positions from Business Development to Structured
Finance Analyst. In 1999, Greg joined Citibank South Africa in the Asset Finance Division as a Business
Development Manager and was later promoted to National Sales Manager focusing on corporate lending
and acquisitions. In 2003, Greg had the opportunity to join Barclays Africa where he was part of a team
that developed and rolled out a Vehicle and Asset Finance products across Africa. This is where he started
to realise the diversity, excitement and opportunity Africa presented willing investors. In 2005 he was
promoted to Director Vehicle and Asset Finance, Barclays Africa & Middle East where he gained experience
in other emerging markets outside of Africa such as UAE and India. In 2007, Greg rejoined Standard Bank
to Head up Vehicle and Asset Finance for Africa and has subsequently been promoted to head up the total
lending portfolio for Standard Bank Africa Personal and Business Banking including, Unsecured Lending,
Home Loans and Vehicle and Asset Finance. Greg believes that the opportunity in Africa lies in its diversity.
Deputy General Manager, Retail Banking & SME | Head of Small & Medium
Enterprises
Mr. Yasser Abdel Wahab is graduated from Faculty of Engineering Cairo University in 1987. With the
engineering background, he has almost 12 years of experience in Project management, Knowledge about
diversified sector of industries and technologies, and Integrated development with a special focus on
hotels, and Tourism. Being for 13 years in the Social Fund for Development, and as the assistant director
general of the Small Enterprise Development Organization, his responsibilities covered Entrepreneurs and
SMEs needs, SMEs supporting Mechanisms, Business Development and support, Institution Capacity
Building, and International Cooperation. During his work in SFD, Eng. Abdel Wahab Participated in
Preparation of the national Training Curriculum for SMEs in cooperation with the International Labor
Organization, Developing of the National Strategy for Chain Value Management with the International
Trade Center, Setting and Implementing International Business, and Financial agreements for supporting
and financing SMEs in Egypt with (Italy, India, China, Canada, USA, UK, and other countries), In addition
to Implementing International agreement for Non-Conventional loans for SMEs in Egypt with China and
Italy. After almost a year and a half in Banque Misr, being the Deputy General Manager of Retail & SMEs,
and heading the SMEs Department, he was able to Setup the SMEs‘ Strategy of the bank, train the SME
staff, structure SMEs actively & establish the necessary infrastructure inside the bank. The first SMEs‘
product in Banque Misr will be launched within the coming few weeks
Ebrahim (Ebi) Ahmed Patel,
FNB & WesBank Islamic Finance, South Africa
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.
Mohammed Mustapha Bintube, Jaiz International Inc.
Managing Director and CEO
Mustapha Bintube began his career with New Nigerian Development Company (NDDC) in 1982 as
an Investment Executive and rose to the position of Senior Investment Executive. He moved into core
banking in 1989 at Commercial Bank (Credit Lyonnais) Nigeria Limited and became a member of the
Bank’s Credit and Executive Committee. Thereafter, he moved to FSB International Bank Plc, where he
rose from Assistant General Manager to Executive Director and successfully oversaw the growth of various
businesses within the bank including: Corporate Banking, Public Sector, Private Banking, consumer
Banking, Financial Institutions and the Energy Sector. He resigned from FSB in June 2004 to take up the
new challenge of establishing and driving Nigeria’s first full-fledged Islamic Bank.
Najmul Hassan, Gulf African Bank
Mr. Najmul Hassan is currently Chief Executive Officer of Gulf African Bank. Prior to joining Gulf African
Bank, Mr. Hassan worked as General Manager Corporate and Business Development in Meezan Bank
Limited (MBL), the first and largest Islamic commercial bank in Pakistan, with over 160 branches and
nearly 3000 employees. He was one of the founder members of the bank and played an instrumental
role in leading the successful conversion of the operations of the Bank into full fledged Islamic Commercial
bank upon the acquisition of Society General in 2002. He played an instrumental role in development
and launch of core Islamic transactional and term deposit products, establishment of corporate and
structured finance business and launch of Islamic consumer banking in Pakistan with nation’s first Auto
and Housing finance business lines and establishing the banks brand and building corporate equity
through continuous awareness measures. He has participated as a speaker in numerous workshops and
seminars on topics related to Islamic Finance. Before joining MBL, he worked as a Managing Director,
Delphi Diesel systems (Pakistan), prior to that as Managing Director in Agro Auto Industries, which is
one of the largest automotive parts manufacturing company in Pakistan,. Mr. Hassan started his carrier
with Pakistan Air Force in Maintenance and Technical branch. He holds Master of Business Administration
and Bachelor Degree in Aeronautical Engineering.

Mian Muhammad Nazir is working as Vice President with Shari‘a Structuring and Coordination
Department of Dubai Islamic Bank. Before joining Dubai Islamic Bank in 2005, he has been working
as a Legal Advisor for Dallah Al Baraka Group, Saudi Arabia. He also worked with the Pakistan
Telecommunication Authority as Director, Law and Regulatory Affairs. Mian Nazir is an accomplished and
renowned Shari‘a lawyer in the field of Islamic banking and finance. Apart from having degrees in Shari‘a
and Law from International Islamic University, Pakistan, he also holds a master degree in commercial
laws from the University of Cambridge, United Kingdom. He has the honour of working closely with Dr.
Hussein Hamid Hassan for the last two years and is involved in the structuring and documentation of
various Shari‘a compliant financial products and transactions including Sukuks, Islamic funds, Islamic
syndications (project finance), Islamic trusts, structured Islamic products, Islamic swaps and other Islamic
corporate / retail products.
Emad El Sahhar
Emad has 24 years of banking experience with Chase (CIB), American Express, Mashreq and First Gulf
Banks before being designated a CEO for Bayt Al Mal Islamic Finance co. He started up in retail banking
then moved to Islamic Banking. He has a proven track record of innovative ideas and successful execution
that was well recognized by his employers and consequently reflected on his career path and reputation
in UAE market. “Makkah Credit Card” was one of his latest contributions to Islamic banking industry that
was considered a new turn in Islamic Credit Card business. Counting on his diversified experience, clear
vision and deep passion for Islamic banking Emad has been working on developing a specific model that
could add real value to community and help in dragging the whole consumer lending market to a new
era of healthy competition. His project was reviewed and enriched by diversified views of Shariá scholars,
academic professors and senior bankers. It has took a new diversion after the current global crisis where
Emad was frequently invited to give presentations on his Shariá compliant project and he is also a guest
speaker at Preston University.
Partner
Tamas Erni is partner in LOXON solutions Ltd. He has graduated from finance on the Budapest University
of Economic Sciences. He started his career by Raiffeisen Bank Hungary in 1999. Later he worked for
Ecostat Institut at the Hungarian Statictical Office in developing macroeconomic forecasting models.
He has moved to LOXON in 2001 and became responsible to build up the business consulting team of
LOXON and managing several projects in transforming bank’s lending operations and risk management
procedures (collateral management, rating/scoring, lending systems and Basel II preparation projects
throughout the EMEA region), contributing to LOXON becoming the market leader in the CEE region’s
risk management and lending software market. Tamas has collected a wide range of experience in
several markets in a number of countries working as principal consultant on several occasions. Based
on this experience he was nominated to the position of partner in 2005 and is responsible for product
development strategy and leading the sales and business development team of LOXON with special
attention to developing LOXON’s operation in the Middle East and Africa regions.
Managing Partner
Recognized for over fifteen years as one of the leading authorities on customer-focused business strategies,
Caglar Gogus is a managing partner of Peppers & Rogers Group, the world’s premier customer-centered
consultancy, and one of the founders of the EMEA practice. Dedicated to increasing and refining the
presence of PRG throughout the region, Caglar directly oversees operations in the Middle East and Eastern
Europe, paying close attention to the topics of knowledge sharing, the building up of regional centers
of excellence, and setting the direction for key accounts. Through his consulting work with more than
50 global Fortune-500 companies in the finance, retail and telecommunications industries, Caglar has
gained extensive international experience across a wide range of business environments and geographies
in the addressing of strategic CRM issues and the direction of large scale projects that require significant
change management effort. His discerning grasp of effective customer strategies has helped improve
the profitability of his clients’ businesses while simultaneously enhancing their customer service. This
well-founded expertise combines well with Caglar’s passionate and committed focus on the customer,
allowing him to strike a balance between the strategic/theoretical and the highly practical, producing
results-oriented, central strategies and effective cross border implementation projects. In addition to his
industry specialization, he is well-versed in the issues, challenges and trends regarding customer retention
and churn management, distribution models, sales organizations, multi-channel sales and service models,
change management and large scale program management. Prior to Peppers & Rogers Group, Calar
worked with several leading global consulting companies on high-profile consulting projects for top firms
in the consumer-focused financial, retail and telecommunications industries. Caglar Gogus holds a B.A
degree in Business Administration from Bilkent University, Ankara, Turkey and an M.B.A. from University of
Florida, Gainesville, FL, USA
Sales Director
A board member of Mi-Pay, the leading mobile money company, Steve is responsible for securing new
opportunities for high demand, customer facing mobile payments solutions with mobile operators,
MVNO’s and financial institutions across Asia, Europe and Middle East. With 20 years experience in the
payments industry, Steve has helped drive many innovative business ventures; including heading up Cable
& Wireless’s ‘Telebusiness’ solutions group and the establishment of a payments processing business with
DCTI Inc. Prior to joining Mi-Pay, Steve started-up Vesta Europe, securing service contracts with a number
of European mobile operators, including, Meteor, O2, Vodafone, and Comviq.
SPONSOR PROFILE
Silver Sponsor: LOXON Solutions Ltd.
LOXON is offering lending and credit risk management
software products of extreme high business benefit
and success. The product portfolio of the company
covers the entire lending and risk management lifecycle
for banking and leasing industries, including lending, collateral management, rating & scoring, limit
management, collection and basel2 solutions. LOXON products and services are applied in 10 EMEA
countries; its customer base includes Raiffeisen, Erste, UniCredit, OTP, KBC and Intesa Group member
entities as well as local banks.
Associate Sponsor: Peppers & Rogers Group
Peppers & Rogers Group is a management consulting firm
recognized as the world’s leading authority and acknowledged thought leader on customer-based
strategies and underlying business initiatives. Founded in 1993 by Don Peppers and Martha Rogers,
Ph.D., Peppers & Rogers Group invented the term 1to1® marketing to illustrate the importance of
treating different customers differently, and transformed the concepts into practical methodologies to drive
financial results for companies.
Supporting Sponsor: Path Solutions
Path Solutions is a worldwide provider of Islamic and investment software solutions
to the global finance industry and in specific the Islamic finance industry. It is the
1st and only banking software firm to be recognized and certified by the Accounting
and Auditing Organization for Islamic Financial Institutions. The AAOIFI Certification
covers all iMAL modules, business processes, contracts, Islamic accounting treatments, implications
and behavior. Path Solutions is headquartered in Kuwait, with a Research and Development centre in
Beirut, and support offices in Manama, Karachi, London, Kuala Lumpur and Riyadh, while maintaining a
presence through partner companies in other locations around the globe.
Supporting Sponsor: Mi-Pay
Mi-Pay Ltd is a rapidly growing international supplier of mobile payment
services, whose customers include mobile operators, financial service providers,
utility companies and media owners amongst others, from our offices in the
UK, Romania, UAE, India and Pakistan. This places Mi-Pay at the forefront of
one of the major evolutions in mobile phone services deploying financial services through phone-based
agent networks throughout the developing world. Mi-Pay has vast expertise and service offerings that
span pre-pay top-up’s, mobile initiated payments, mobile banking, mobile money transfer, handset based
authentication and consultancy.
solutions
email: fahd.ali@fleminggulf.com, www.fleminggulf.com

1st Retail Banking Africa 2009 - Egypt

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