“Building a high performance SME business in the MENA region”

IFC SME Banking Conference 2013in partnership with AMF

7th–8th MayJumeirah Emirates Towers, Dubai

2

1

INTRODUCTION

We wish you a very warm welcome to our annual SME Banking Conference.

The topic of this 2013 conference, “Building a high performing SME business”, is of critical importance for the MENA region. SMEs need access to banking services to create jobs and support economic growth, but only 20 percent of them have access to credit, and the SME funding gap in the region is estimated at $160 billion. Banks and policy makers in the region are aware of these opportunities and are developing new strategies to support SMEs. The AMF and the IFC are working together to support these important efforts.

The conference is gathering around 250 bankers and international SME experts from more than 20 countries to share experiences on best practice SME banking. It is a unique opportunity to learn about the latest innovations in this dynamic field. The conference is also an effective forum to network with leading international experts and develop new business.

We thank all our distinguished speakers for their active contribution to the event. We would also like to recognize our partners supporting the event, the Arab Fund for Economic & Social Development, and the MENA MSME facility partners CIDA Canada, DANIDA Denmark, Japan, SECO Switzerland, and UK AID.

Finally, we thank you for your active participation and commitment to advance SME banking in the MENA region.

We look forward to meeting you.

Yisr Barnieh, AMF Xavier Reille, IFC

2

AGENDA

DAY ONE

8:30 – 9:00 AM Registration

9:00 – 9:20 AM Welcome Remarks H.E Sultan Bin Saeed Al Mansouri, Minister of Economy, UAE H.E Dr. Jassim Al-Mannai, Director General and Chairman of the Board, AMF Mr. Dimitris Tsitsiragos, Vice President, IFC EMENA

9:20 – 9:50 AM Keynote Speaker: Global Trends and MENA, Jean Pierre Lacombe, Chief, Global Markets and Financial Engineering

9:50 – 11:00 AM Session 1: CEO Perspectives - Making SME Banking a Strategic Priority With rapidly eroding growth opportunities in retail and corporate banking, Banks are increasingly looking for avenues to build a competitive and sustainable SME business. This session will discuss CEO strategy to scale up SME Banking operations.

Moderator: Aftab Ahmed, Director, IFC EMENA Financial Markets Raheel Ahmed, Regional Head of Consumer Banking, Standard Chartered Bank Atif Bajwa, CEO, Al Falah Bank, Pakistan Fadel El Halaissi, Delegate General Manager, BMCE Bank, Morocco Bernd van Linder, Managing Director and CEO, Saudi Hollandi Bank

11:00 – 11:20 AM Coffee Break

11:20 – 12:30 PM Session 2: Opportunities and Changing Landscape in SME Banking in MENA With a funding gap for MENA SME estimated at USD 170 billion, Financial Institutions in the regions are launching new SME banking initiatives. This session will focus on the business case for sustainable SME banking in MENA, latest innovations andglobalbestpracticesinSMEbanking,andtheimportanceoffinancial infrastructure to increase outreach.

Moderator: James Gohary, Regional Manager, Financial Markets and Private Equity Funds-MENA, IFC Mutsa Chironga, Associate Principal, McKinsey & Company Hafid Oubrik, Financial Sector Specialist, Arab Monetary Fund Matthew Gamser, Head, SME Finance Forum, IFC

12:30 – 1:45 PM Lunch

Time Event/Topic

3

AGENDA

Time Event/Topic

1:45 – 2:45 PM Session 3: Regional Initiatives and Role of Regulators in SME Banking Development The MENA region is witnessing various regional initiatives to improve SME’s access tofinance.Inaddition,regulatorsareplayinganimportantroletoimprovethe enabling environment for SME banking. This session will discuss best practice policies to promote SME banking.

Moderator: Yisr Barnieh, Arab Monetary Fund, Chief of Financial Markets Division AbdulKarim AlArhabi, Secretary General, SMEs Facility, Arab Fund for Economic and Social Development May Abulnaga, Head, Regulations Department, Central Bank of Egypt Ashraf Khan, Executive Director, State Bank of Pakistan Badr El Din Ibrahim, Director, Central Bank of Sudan

2:45 – 3:45 PM Session 4: Mastering the SME Banking Risk Management Frontier SME Banking is often viewed as a high risk market segment. However, SME Banking business can yield attractive returns, one of the best, on risk adjusted return basis. This session will discuss the ways banks must adopt differentiated risk management techniques, innovate approaches of assessing the credit risk involved, and use technology and analytics to dynamically manage portfolio risks.

Moderator: Cameron Evans, Principal Risk Management Specialist, IFC Lawrence Antioch, Managing Director-Group Risk, DBS Bank Singapore Mandeep Vohra, Head of SME Risk, Middle East, Pakistan and Africa, Standard Chartered Bank Oscar Madeddu, Principal Financial Specialist, IFC

3:45 – 4:10 PM Coffee Break

4:10 – 5:30 PM Session 5: Maximizing SME revenues - through Strategic Customer Management ProfitablyservingtheSMEsectorrequiresnotjustadeepunderstanding ofthebestsegmentstoserve,butalsoofthefinancialneedsandrevenue drivers for each customer segment. This session will provide insights on how banks have radically increased revenues through developing customized propositions at targeted segments.

Moderator: Xavier Reille, Manager, Financial Sector Advisory Services, IFC MENA Andrew McCartney, Global Product Specialist, IFC MENA Christian Wessels, Partner, Roland Berger Strategy Consultants Turgut Boz, SME Banking Assistant General Manager, TEB Turkey

5:30 – 7:30 PM Cocktail reception

4

AGENDA

DAY TWO

8:30 – 9:00 AM Opening, Mouayed Makhlouf, Director MENA, IFC

9:00 – 9:30 AM IFC global SME strategy, Peer Stein, Director, Access to Finance Advisory, IFC

9:30 – 11:00 AM Session 6: Women in Business - Leveraging Segment Opportunities Despitebeinganemerging&profitablebusinesssegment,mostbanksdo not have a differentiated value proposition for serving Women in Business. This session will discuss how to use market research to develop a segment strategy and develop an attractive value proposition for women entrepreneurs.

Moderator: Qamar Saleem, Senior SME Banking Specialist, IFC MENA Larke Riemer, Director, Women’s Markets, Westpac Bank, Australia Tania Moussallem, Head of Strategic Development, BLC, Lebanon Hanan Saab, Founder and Managing Director, Pharmamed, Lebanon Patience Marime-Ball, Principal Investment Officer, IFC, Washington DC

11:00 – 11:30 AM Coffee Break

11:30 – 12:45 PM Session 7: Making a difference with SME Islamic Banking Islamic banking has enjoyed a double digit growth over the past 10 years providingnewopportunitiesforSMEfinance.Thissessionwilladdressthe opportunities and challenges of serving SME customers with Islamic banking products.

Moderator: Kaiser Naseem, Program Manager, IFC MENA Ashar M. Nazim, Islamic Financial Services, Ernst & Young Bahrain Tariq Hameed, Senior Vice President, Capitas Group Neil Miller, Global Head of Islamic Finance, Linklaters Mubashar Khokhar, Management Consultants Islamic Advisory, Israa Capital

12:45 – 1:45 PM Lunch 1:45 – 2:45 PM Session 8: Integrating Alternative Channels into SME Banking Value Proposition Cost to serve SMEs, which are in most circumstances widely dispersed, non- homogeneous in nature and offering smaller revenue wallet, poses a significantchallengetobanks.Thissessionwilldiscusshowtoleverage newdeliverychannelstoloweroperatingcosts,buildinternalefficiencies and maintain customer satisfaction levels.

Time Event/Topic

5

AGENDA

Moderator: Margarete Biallas, Global Product Leader, Retail Payment Institutions & Innovation, IFC Scott Stefanski, Maana Mobile Teresita Tan, President, BPI Globe BankKO, Philippines Rohit Arora, Chief Executive Officer, Biz2Credit Milkah Chebii, Head of Retail Banking Channels & Operations, Kenya Commercial Bank

2:45 – 3:45 PM Session 9: Using SME Advisory Services as a Competitive Advantage Leading SME banks have developed successful SME advisory programs to differentiate their value proposition and better manage risks. This session explores experiences of banks that have implemented such strategies, the challengesfacedandthebenefitsreapedofthisdifferentiatedapproach.

Moderator: Sylvia Zulu, Manager, Sustainable Business Advisory, IFC MENA Michel Botzung, Principal Operations Officer, IFC Steven A. Tambunting, Vice President and Board Director, Planters Bank, Philippines Regina Bundang, General Manager, Regalo Service & Redwood Internet, Philippines Saad N. Mouasher, Senior Deputy CEO, Jordan Ahli Bank, Jordan

3:45 – 4:00 PM Wrap-up and event close (Jim Gohary and Xavier Reille)

Time Event/Topic

6

SPEAKER BIOGRAPHIES

Andrew McCartney

Global Banking Specialist IFC MENA

Andrew McCartney is a Global Banking Specialist with IFC‘s Access to Finance Advisory Services Team, with over 20 years experience in banking and management consulting in emerging markets. He is currently responsible for advising IFC’s clients to build capacity to reach the SME segment through advisory support and technical assistance. Based out of Dubai, he supports IFC’s SME Banking programs across Africa, the Middle East, Europe, Central Asia and Latin America. He is also responsible for leading IFC‘s

training programs for SME Banking globally, and supports new product development in areas such as customer management, risk innovation, mobile for SMEs and Women in Business. Mr. McCartney holds a Masters in Economics from Cambridge University, as well as a Masters in Information Technology. He is also a qualified chartered Accountant.

Aftab AhmedDirector, IFC EMENA Financial Markets IFC

Khawaja Aftab Ahmed is a development banker who posseses a solid 24 years career in the development banking industry. He succeeded in putting IFC on the map of the MENA financial sector. IFC financial market commitment volumes in MENA, increased from US$ 50-60 million per annum in FY 04 to US$ 1.0 billion in FY 10. Similarly, IFC financial market portfolio in MENA has increased many folds from about US$ 150 million to over US$ 1.5 billion during the period.

As Director he is managing a large financial market and PE team in various country offices. Mr. Ahmed manages annual new business of about US$ 3.5 billion and a portfolio of over US$ 6.0 billion spread over 45 countries. Mr. Ahmed was also instrumental in promoting Islamic Finance transaction in IFC and developed a significant portfolio and pipeline of Sharia Compliant projects in Housing Finance, Sukuk and Modaraba etc. Prior to joining IFC, Aftab spent 10 years in the development banking sector. He has degrees in Mechanical Engineering, an MBA and LLB.

Ashar Nazim

Islamic Financial ServicesErnst & Young Bahrain

Ashar leads Ernst & Young’s global Islamic Banking Excellence Center. Ashar has 18 years experience of working with the Islamic finance industry in the profession, the industry and in regulatory capacity with the Central Bank of Bahrain. He has advised a number of central banks on regulatory framework, worked with multilateral institutions on industry infrastructure initiatives, led setting up of several greenfield Islamic windows and banks, advised on conversion of conventional banks to

Islamic, and assisted financial institutions on transforming operational performance. He specializes in Performance Improvement competency with emphasis on strategic direction, supply chain and customer agenda. Ashar is engaged in a number of strategic initiatives across Europe, Middle East, Asia Pacific and Africa, advising board and senior management of clients on Islamic financial services matters. He is a regular speaker at influential industry forums, facilitates client strategy session, and has directed several thought leadership research on Islamic banking, takaful and wealth management business.

7

Atif Bajwa

CEOAl Falah Bank

Mr. Atif Bajwa has over 29 years of international management experience and has worked in Europe, US, Far East, Middle East and Pakistan. Having started his career in Citibank Karachi as a Corporate Banker in 1982, he handled different assignments with Citibank in Pakistan, New York and Bahrain. He joined ABN AMRO Bank and was appointed Country Manager of Pakistan in 1995.In 1998, Mr. Bajwa moved to Singapore as Consumer Banking Head for Asia Pacific and

subsequently was assigned as an EVP at ABN AMRO Bank’s Head Office in Amsterdam. In mid 2001, he returned to Citibank as the Regional Head for Central and Eastern Europe. In 2005, he moved to Dubai with Mashreq Bank to run the Retail Banking Group. He returned to Pakistan in 2007 as President and CEO of MCB Bank Limited and stayed in that position until June 2010. Currently he is President & CEO of Bank Alfalah Limited (Part of Abu Dhabi Group).

Bernd van Linder

Managing Director and CEO Saudi Hollandi Bank

Bernd van Linder is the Managing Director / CEO of Saudi Hollandi Bank. Saudi Hollandi is the first operating bank in the Kingdom of Saudi Arabia and is active in Corporate Banking, Consumer Banking, Investment Banking and Treasury, with an Insurance agency business under formation. The bank operates a Sharia-compliant window called `Al Yusr’, and offers a full range of Islamic products across all business lines. At the end of 2012, the bank had total assets of close to SAR 70 billion (USD 18.6

billion) with a total capital ratio of 17.6%. Before assuming the position of CEO in May 2009, Bernd was the Treasurer of Saudi Hollandi Bank. He came into this role in 2006 from ABN AMRO Bank, where he held a variety of positions over a 10 years career, including Global Head of Short-Term Treasury, Global Head of Product Development and COO of Fixed Income Trading. Bernd holds a PhD in Artificial Intelligence from Utrecht University, the Netherlands, an MSc in Computer Science from Nijmegen University, the Netherlands, and an MBA in Finance from Bradford University, United Kingdom.

Cameron Evans

Principal Risk Management SpecialistIFC

Cameron provides technical expertise and leadership in the area of risk management to support regional projects with financial institutions, as well as developing the global knowledge management agenda. He has been involved in many client advisory projects across the Middle East, Europe, Asia and Africa. Before joining IFC in 2010, Cameron was a Director with PricewaterhouseCoopers providing consulting advisory services in financial risk management to banks in the Asian

region. Prior to this, he worked for 17 years in the Australian financial services industry and held several senior executive positions in the areas of treasury, risk and capital management, mainly with the National Australia Bank and ANZ Banking Group. He specialises in the areas of treasury, liquidity, ALM, capital, risk management and the Basel framework. Cameron has a Bachelor of Economics (Monash University) and a Graduate Diploma in Applied Finance and Investment (Securities Institute of Australia). He is a Fellow of the Financial Services Institute of Australia and the Finance and Treasury Association of Australia.

SPEAKER BIOGRAPHIES

8

Dimitris Tsitsiragos

Vice PresidentIFC EMENA

Mr. Dimitris Tsitsiragos leads IFC’s investments and advisory services across 52 countries with over 800 staff, and oversees an integrated strategy that aims to create jobs, plug infrastructure gaps, increase access to finance, and tackle climate change.Before taking on his role as Vice President, Mr. Tsitsiragos was the Director of the Middle East, North Africa and Southern Europe department in IFC, where he developed a strategy to support the region’s private sector in the wake of the Arab Spring. During his tenure,

he oversaw several important initiatives, including the education for employment (e4e) in the Arab World program, which brings together public and private providers of education and private companies to improve the quality of education in the region. Mr. Tsitsiragos has extensive experience in several sectors including manufacturing and oil & gas. From 2004 to 2010, he directed the Global Manufacturing and Services (GMS) department of IFC which was responsible for IFC’s activities in the areas of tourism, retail and property development; construction materials; the forest products chain; life sciences; and energy-efficient machinery. During his time with GMS, Mr. Tsitsiragos refined the strategic focus of the department, emphasizing IFC’s global expertise in select sectors, with a focus on helping IFC clients to enhance their international competitiveness.Mr. Tsitsiragos has also worked in South Asia, and Central and Eastern Europe, where he held several leadership positions. He has received the World Bank Group Diversity and Inclusion Award in 2009. He has served on the Board of Directors for both IDFC (India) and Commercial Bank of Ceylon (Sri Lanka).

Fadel El Halaissi

Delegate General ManagerBMCE Bank, Morocco

Fadel has a Ph.D in Economics Science from the University of Lille in France. He has worked from 1983 to 1984 at the Banque Scalbert Dupont in the capacity of project assessment and evaluation. After that, he joined BMCE BANK in January 1985 as Manager of Investment Credit and Financial Restructuring. During his career at BMCE BANK, Mr. M’Fadel EL HALAISSI has been in charge of the creation of the Restructuring Department for investment credits and the instauration of several external credit lines, in particular

for the World Bank, and the IFC, A.D.B,. and E.I.B lines of credits etc. In 1989 Mr. M’Fadel EL HALAISSI was appointed manager of Corporate Investment and Contracts. In 1990, he was appointed resident manager to the President and managing director. In April 2002, he was promoted to the position of Deputy General Manager of Corporate Bank. In 2007, Mr. M’fadel El HALAISSI was appointed General Manager of Corporate and International Bank. Since January 2010, Mr. EL HALAISSI was promoted to Delegate General Manager of Enterprise Bank of BMCE Bank.

SPEAKER BIOGRAPHIES

Christian Wessels

Partner Roland Berger Strategy Consultants

Christian is leading Roland Berger’s work with private and public institutions across Sub-Saharan Africa out of our office in Lagos. Christian has more than 12 years of banking and consulting experience, out of which he worked in the last 7 years in various geographies in Sub-Saharan Africa. His areas of competence include strategy, transformation and post-merger integration programs, financial services and public sector. As part of the Financial Services Competence Center, he also leads Roland Berger’s activities

on innovative financial services. As a Director at Barclays he supported the retail expansion and restructuring of acquisitions across 12 Sub-Saharan countries out of Johannesburg. Christian holds a master degree in business administration from the University of Cologne, Germany. In 2012 the World Economic Forum appointed Christian as Young Global Leader (YGL).

9

Hanan Saab

Founder and Managing DirectorPharmamed, Lebanon

Mrs. Hanan Saab was born in Choueifat, Lebanon. She is a third generation pharmacist who graduated with distinction from the American University of Beirut (AUB), with a Bachelors of Science in Pharmacy and was awarded the venerated Penrose Award.She practiced hospital pharmacy at the American University Hospital (AUH) between 1985 and 1990. Mrs. Saab founded the company Pharmamed, whose main focus was the importation

and marketing of medical supplies and novelty pharmaceutical products, based on exclusive representation from renowned foreign companies. Pharmamed currently represents 22 companies from European and US origin and is one of Lebanon’s most trusted suppliers of pharmaceuticals, medical equipment, medical supplies and dietary supplements. A founding Member and current president of the Lebanese League for Women In Business(LLWB), a founding, board member and the Vice President of the MENA Business Women Network (MENA BWN) and a board member in the Arab International Women Forum (AIWF). Mrs. Saab was featured in the Arabian Business Magazine published in Dubai and the Financial Times in July 2007 “leading Arab Business Women”.

Hafid Oubrik

Financial Sector SpecialistArab Monetary Fund

Hafid Oubrik is a senior financial sector specialist at the Arab Monetary Fund, in charge of various financial sector initiatives in the MENA region. Under these initiatives, Mr. Oubrik, with the cooperation of the World Bank, the International Monetary Fund, EBRD, and IFC, provides technical assistance to the Arab Central banks towards improving their financial sector infrastructures, most particularly national payment systems, credit information sharing schemes and secured transactions frameworks.

Prior to joining the Arab Monetary Fund, Mr. Oubrik was leading the payment systems Department and the Credit Registry Department at the Central Bank of Morocco.In addition to his Master in Business Administration, Mr. Oubrik holds a State Engineer certificate from Mohamed 5th Institute in Morocco. He worked for 14 years at the private sector in the area of card and large value payment systems. He was involved in various projects around the world.

James Gohary

Regional Manager, Financial Markets and Private Equity Funds-MENAIFC

James Gohary is responsible for leading IFC’s financial markets activities in MENA. The MENA financial markets portfolio (debt, equity & private equity funds) was approximately $1.8 bln, at December 31/12, spread out over 80 Banks and FIs. The financial markets team consists of 27 people in 8 countries in MENA. Prior to his current role, James was the Banking Specialist for EMENA, based in Istanbul and prior to that the Manager for A2F with Advisory Services, based in Cairo.

Mr. Gohary has over 20 years of experience in acquiring, integrating and growing Banks and non-Bank Financial Institutions. Prior to joining the IFC in 2008 he worked at GE Capital. Mr. Gohary has represented GE on the Boards of Hyundai Capital (Korea), Astra Sedaya (Indonesia), and GE Capital Bank (Hong Kong). In addition, Mr. Gohary has served as Chairperson on Risk Management, ALCO and Audit Committees. He holds a Masters in International Management (banking & finance) from Thunderbird, and a B. A. in Economics from The University of Texas, Austin.

SPEAKER BIOGRAPHIES

10

Jean Pierre Lacombe

Chief, Global Markets and Financial EngineeringIFC

Jean Pierre Lacombe joined IFC in 2001 to work in the Corporate Portfolio Management Department managing a risk overlay function on IFC’s global loan and equity portfolio. He then moved to the Central Equity Department in 2007 where he built a global market strategy platform to perform top down analysis and investment recommendations across all asset classes for IFC’s Regional and Industry Departments as well as implementing new equity fund ideas for IFC. In 2009, he joined the Corporate Strategy Department

heading global market strategy for IFC. In 2010, he moved to the Portfolio and Operational Risk Department to run global markets / economics research, portfolio research and corporate stress testing. Prior to joining IFC, Jean Pierre spent 12 years in the private sector, working for Johnson & Johnson, Lehman Brothers and Barclays Capital. During his investment banking career he headed institutional and proprietary trading in foreign exchange, fixed income and equities for Latin and Asian emerging markets. Jean Pierre has degrees in Mechanical Engineering and Operations Research from Cornell University and a degree in Finance from MIT.

Dr. Jassim Al-Mannai

Director General and Chairman of the BoardArab Monetary Fund

Prior to his appointment as the Director General Chairman of the Board of the Arab Monetary Fund (AMF) in March 1994, Dr. Al-Mannai, a national of Bahrain, was Executive Vice-President of the Kuwait based Gulf Investment Corporation. Dr. Al-Mannai was educated at the University of Paris Sorbonne and was trained at Harvard Business School in Boston and Chase Manhattan Bank in New York. His earlier career included various positions in Bahrain’s Ministries of Finance and National Economy and Development and

Industry. He also was a member of the Boards of several Gulf and Arab industrial and investment corporations. In 2009 Dr. Al-Mannai received the First Honorary Degree Award by His Majesty King of Bahrain, and was awarded the Banking Leadership Personality for the Year 2009 by the World Union of Arab Bankers and was granted The Rafiq Harriri Leadership Award, 2010, by Al-Iktissad Wal-Aamal Group. In addition to his present AMF responsibilities Dr. Al-Mannai is also Chief Executive and Chairman of the Board of the Arab Trade Financing Program (ATFP).

Kaiser Naseem

Program ManagerIFC Bank Advisory Services, East MENA

Kaiser H. Naseem is an engineer and international development banker by profession with extensive experience spanning over 30 years of working in the financial sector. As part of the International Finance Corporation’s Financial Sector Development team during the period 1992 to 2000, Mr. Naseem has been instrumental in the development of the Pakistani and Central Asian Financial Markets through his involvement in IFC assistance to the leasing, investment banking, modaraba, commercial banking and MSME sectors

there. He pioneered IFC’s initiatives in Central Asia for the development of the MSME sector.Mr. Naseem has served on the boards of several companies globally. He is a member of the Canadian Institute of Corporate Directors and a Certified Director from the Pakistan Institute of Corporate Governance.During the period March 2006 to April 2007, Mr. Naseem was the Manager of IFC’s Pakistan Corporate Governance Program and was responsible for raising the awareness of good corporate governance practices within the Pakistani corporate sector. He was also involved with training for Board members, corporate governance reviews and assessments of companies and assisting in the capacity building of the Pakistan Institute of Corporate Governance.Currently, Mr. Naseem heads IFC’s Bank Advisory Services for the MENA region where he is responsible for providing advisory services to the region’s banks and other financial institutions.

SPEAKER BIOGRAPHIES

11

Larke Riemer

Director, Women’s Markets Westpac Bank, Australia

Larke Riemer is the Director of Women’s Markets for Westpac Banking Corporation. Larke has over 28 years with the Westpac Group and has worked across all areas of the bank. She has been instrumental in positioning Westpac to be recognised by the World Bank as global best practice for the work they do with women. Larke has responsibility for growing the overall footings of female customers which currently sits at around $87 billion and generates over $1 billion in revenue.

Larke is the immediate past Chair of the Global Banking Alliance for Women in Banking whose mission is to accelerate the growth of women in business and women’s wealth creation globally, while generating superior business outcomes for member financial institutions. In 2010 Larke was appointed to the National Breast Cancer Foundation Women’s Advisory Network. Larke is also a member of the Advisory Board on Diversity for Allens Linklaters Lawyers as well as a member of the WeConnect Advisory Board. Most recently Larke has been appointed a member of the Commonwealth Business Women National Steering Committee. In 2011 Larke was recognised by The International Alliance for Women for her efforts in advancing economic empowerment of women worldwide and was awarded with the World of Difference award.Most recently Larke has been awarded Westpac’s CEO Recognition Award for her Outstanding Contribution to Women & Banking.

Lawrence Antioch

Managing Director-Group Risk DBS Bank Singapore

Laurie Antioch is Managing Director and Head of Model Validation, Risk Management Group, DBS Bank. Prior to joining DBS, he worked for National Australia Bank (NAB). He has more than 15 years of experience in banking, spanning across areas such as corporate strategy, marketing and risk management. His interest continues to be in better aligning risk, return and growth objectives of banks. To this end, he has successfully implemented a number of initiatives in this area. Before

joining NAB, he worked for the Australian Treasury where he was involved in taxation reform, economic & financial analysis, forecasting and econometric modelling of the Australian economy. He holds degrees in Economics from Australian National University and a Masters in Economics from Simon Fraser University, Canada. He has published a number of scholarly articles in various journals and has been a guest speaker at various conferences.

Mandeep Vohra

Head of SME Risk, Middle East, Pakistan and Africa

Standard Chartered Bank

Mandeep Vohra is a banker with 21 years of banking experience. The last 9 years have been in the SME Banking space, prior to which he was in corporate banking. Within SME Banking the experience has been in varied roles. The first exposure to SME banking was to build a SME business from start in a large country. Post that as product head for SME banking, the responsibilities included supporting nearly 30 countries across Africa, Asia and Middle East. In his current assignment his

responsibilities include risk management of SME business across Middle east, Africa and Pakistan.

SPEAKER BIOGRAPHIES

12

Maria Regina Isada-Bundang

General ManagerRegalo Service & Redwood Internet, Philippines

Reggie, as friends call her, runs her own e-commerce operations, which she started seven years ago when e-commerce was just appreciated by a few progressive-thinkers. She has a B.S. Accounting degree at St. Paul College and took her Masters in Business Administration at the Ateneo Graduate School of Business. She honed her product development and branding experience in the services sector, having worked for financial institutions like PCIBank, DaoHengBank, Globalbank, Western Union and telecoms like

Philcom and Bayantel. In 2006, she set up Redwood Internet Business, Inc. offering e-commerce services like retail portals, e-commerce business outsourcing and e-commerce consultancy. Her company-owned retail portal, www.RegaloService.com, is a full-service gift site selling diverse products and services online. The site won two awards from the Digital Filipino Club and the APEC Digital Opportunity Center in Taiwan in 2007. Reggie has been a speaker in a number of fora on e-Commerce and SME. She has been invited to speak before APEC government officials in Washington DC last March 2011, and at the Digital Filipino Club on its e-Commerce summits. Reggie is also an active Trustee of the Working Hands Foundation which grants vocational course scholarships to underprivileged.

Margarete Biallas

Global Product Leader, Retail Payment Institutions & InnovationIFC

Ms. Biallas leads IFC’s Advisory Services Payment Practice. Previously, she managed IFC‘s payments portfolio in East Asia and the Pacific as well as the Access to Finance program in the Mekong. Prior to joining IFC she worked with KfW, where as Senior Risk Manager she led the development of a limit management system for the banks financial markets exposures, and as Credit Officer for Eastern Europe and Asia reviewed all of KfW’s commercial investments in these two regions.

Prior to this, Margarete led KfW’s global microfinance funds investments and held various positions in the Eastern Europe and Sub-Saharan Africa departments, working on financial markets investments in these regions. Prior to joining KfW, she worked in a German consulting firm for three years, focusing on privatization and SME development. She holds a Master‘s Degree in Economics from Hochschule fuer Wirtschaft und Politik in Hamburg, Germany, and a BA from University of Cape Town, South Africa.

Matthew S. Gamser

Head, SME Finance ForumIFC

Matthew Gamser, the Head of the SME Finance Forum, for the past 5 years has led IFC’s advisory work in increasing access to financial services in the East Asia-Pacific region. He has over 30 years of experience in private enterprise and financial sector development. He has worked with commercial banks and non-bank financial institutions in broadening and deepening services to households and enterprises previously lacking formal finance. He has worked with governments and policy-makers on improving the enabling

environment and infrastructure for financial sector development, with a focus on financial inclusion and on the role of the financial sector in mitigating the effects of climate change. At IFC, he has helped develop a benchmarking system for SME banking services, and other tools and techniques for building capacity in financial institutions and financial sector regulators. His original training was in environmental science, leading to his doctoral dissertation on the management of renewable energy technology innovation. He holds A.B. and A.M. degrees from Harvard University, and M.Sc. and D.Phil degrees from Sussex University (UK).

SPEAKER BIOGRAPHIES

13

May Abulnaga

Regulations Department HeadCentral Bank of Egypt

May Abulnaga is the Regulations Department head under the Banking Supervision Sector of the Central Bank of Egypt (CBE). May holds a Bachelor degree in Business Administration with “high honors” from the American University in Cairo (AUC), and minor in Economics. For more than 20 years May maintained a varied career in banking starting on the commercial banks’ side and focusing on corporate credit and credit risk. In 2005, she joined the Central Bank of Egypt as part of the banking sector reform team

managing the restructuring project for the state owned banks. In 2007, she established the Regulations department and since then issued several regulations and guidelines to the banking sector among which is bank governance - where she was appointed as the official instructor for the intensive training programs in this regard. The Regulations Department is also responsible for preparing, reviewing, and negotiating MOUs as part of the CBE’s supervisory cooperation role on both national and international level. In early 2013, May took the additional responsibility of managing the banking sector reform department focusing - among other pillars - on financial inclusion specifically on promoting SME finance as part of creating a sustainable banking environment.

Michel M. Botzung

Principal Operations OfficerIFC

Michel joined IFC in 2002 as Business Development Services Manager of the North Africa Enterprise Development Facility. In 2004, he moved to Cairo, to manage the roll-out of “Business Edge” and the “SME Toolkit”- across the Middle East and North Africa. He was instrumental in transforming Business Edge, from a training product into a flexible tool that is successfully used by various institutions (ICT, Financial Markets) to build their value chain and to market their products to SMEs. Michel was instrumental in identifying

Banks’ willingness in emerging markets to provide non-financial services to SMEs; and he has coordinated IFC’s first market assessment of this new trend. Since 2011, Michel lives in Delhi, supporting the South Asia advisory team and playing the role of IFC’s Global Product Specialist for SME capacity building. Prior to joining IFC, Michel spent 8 years with GRET in France as head of the BDS cluster, developing private and public service providers in Africa and South East Asia for various donors. Michel holds University degrees in Development Economics (from EHESS Paris) and International Relations (from the Sorbonne Paris & IEP).

Milkah Chebii

Head of Retail Banking Channels & Operations Kenya Commercial Bank

Milkah has over 20 years experience in Retail Banking across various disciplines such as customer experience, mobile banking, agency banking, Change management, sales management, business mergers, compliance & risk management, centralization of processes branch expansion and channel optimization.During her career, she has played a lead role in various projects undertaken by the Bank that include implementation of agency banking and transformation agenda of the bank

from good to great. Milkah has been involved in various strategy formulation including aligning the bank to the county devolution chapter as per the new constitution that took effect in Kenya. She has experience working with the Regulator- Central Bank, Government departments on matters touching on retail banking business.Milkah has had an opportunity to share KCB’s experience on agency and mobile banking with top bankers from Reserve Bank of Malawi, Rwanda, Zambia, Postal Corporation from Ghana, Abbay Bank of Ethiopia Central Bank of Uganda and Bhutan Bank in India. Milkah has first degree in Social science from university of Nairobi and MBA from Maastricht/ESAMI University Netherlands.

SPEAKER BIOGRAPHIES

14

Mouayed Makhlouf

Director MENAIFC

Mr. Mouayed Makhlouf is the Director of the Middle East and North Africa region. He is responsible for IFC’s investments and advisory programs in more than 20 countries, which aim to support economic development across the region through private sector development. Prior to this appointment, he was Manager, Financial Markets for the Middle East and North Africa. During that time, he helped implement regional industry strategies for IFC’s investment and advisory services arms managing a portfolio of about

$1.7 billion. He joined IFC in 1998 in the Central Asia, Middle East and Northern Africa department based in Washington DC,where he worked on multiple large transactions. Subsequently, he joined the Central Asia, Eastern and Southern department as an Investment Officer. In 2001, he relocated to the Istanbul hub where he processed transactions in different sectors in Turkey and Central Asia. With the establishment of the Global Financial Markets Department in 2003, he returned to Washington DC where he worked on large financial markets deals in Europe, Russia, the Middle East and North Africa. In 2005, he relocated to the Dubai office as a senior business developer responsible for the Gulf Co-operation Council and Levant region. In 2008, Mouayed took an external assignment to work as a principal at Olivant Advisers Services, an investment company that focuses on making investments in the financial services sector across Europe, the Middle East and Asia. Mouayed holds a Master of Science in Finance degree from George Washington University in Washington, DC.

Mubashar Khokhar

Management Consultants Islamic AdvisoryIsraa Capital

Mubashar Khokhar is a seasoned banker with more than 28 years of banking experience, across fifteen developed and emerging markets countries including the USA, Europe, Asia, Africa and the GCC countries. Mubashar in his last role served as CEO of Ajman Bank, a public listed shariah compliant bank in UAE, and as CEO of Badr Al-Islami / Mashreq Al-Islami, a wholly owned subsidiary of MashreqBank, a public listed bank in the UAE. He also served on the Board of Directors

of Badr Al-Islami and SAMBA Pakistan Ltd, a subsidiary of Samba (Saudi American Bank) Saudi Arabia.

Muhammad Ashraf Khan

Executive DirectorState Bank of Pakistan

Muhammad Ashraf Khan is the Executive Director of Banking Policy & Regulations, and Development Finance Group at the State Bank of Pakistan (SBP). His job entails maintaining stability and integrity in the banking sector and promoting financial inclusion and consumer empowerment in the country. He is an accomplished professional with 25 years of dynamic and cross-functional experience in core central banking areas including

banking policy, regulations, supervision and development finance. Mr. Khan has been playing a key role in developing an affective policy and regulatory framework for the banking sector in Pakistan which has shown strong growth, profitability and resilience in recent years. He is also overseeing the design and implementation of donor-funded programs including the Pakistan Financial Inclusion Programme, worth GBP 50 million, sponsored by the UK Department of International Development (DFID), to support market reform initiatives to promote microfinance, branchless banking, SME finance, remittances and rural finance.Mr. Khan is a prolific speaker and has represented SBP on numerous local and international conferences and events. He is a member of several professional bodies and high profile committees, including the SBP Banking Policy Committee. Mr. Khan holds an MBA from the University of Sindh, and is also an Associate Member of the Institute of Bankers in Pakistan, Karachi.

SPEAKER BIOGRAPHIES

15

Mutsa Chironga

Associate PrincipalMcKinsey & Company

Mutsa is an Associate Principal in McKinsey’s Africa practice, based in Johannesburg. Mutsa joined McKinsey in January 2007. Mutsa is a member of the banking practice, focusing on end-to-end banking transformations in Africa, and SME banking across emerging markets. Co-Author of ground-breaking report titled “Lions on the Move: The Progress and Potential of African Economies”; co-author of associated articles for Harvard Business

Review, and Harvard Africa Policy Journal Lead Author of “MSME in Emerging Markets: A USD 350bn opportunity” – covering leading practices in SME banking from across emerging markets, including interviews with ~30 banks around the world. Before joining McKinsey, Mutsa worked with the World Bank in Washington DC; as an Economist for the UK Government; and in accountancy with Arthur Andersen. He holds a BA Economics from Cambridge University, and a MPA from Harvard University.

Neil Miller

Global Head of Islamic FinanceLinklaters

Neil D Miller joined Linklaters April 2013 and is based in Dubai, UAE. Qualified solicitor of the Supreme Court admitted to the Roll in October 1988; Bachelor of Laws, Kingston University, UK. Neil is one of the most recognised and awarded legal professionals in the Islamic financial services industry. He was a member of the UK treasury committee of Islamic finance experts, a member of the FSA committee on Islamic finance and worked closely with the Muslim Council of

Britain and other bodies to promote and develop Islamic finance in the UK. In January 2005 Neil was nominated as one of the “Hot 100” by The Lawyer in recognition of his work in developing the market leading Islamic finance practice. In July 2009, his contribution to the cause of Islamic Finance was acknowledged by the organisers of the ICG Sukuk Summit Awards with an award for his: “Outstanding Contribution to Islamic Finance in the UK”. He has extensive experience in Shariah complant capital markets. Neil is a regular speaker at numerous international conferences and seminars on Islamic finance.

Oscar Madeddu

Principal Financial SpecialistIFC

Oscar is an IFC specialist, providing technical assistance to the MENA and Sub Saharan Africa markets to improve retail risk management techniques and establish information sharing infrastructure, after being responsible for the same projects in the LAC region from 2004 to 2008.Oscar has supported credit reporting projects of various complexities in 12 Latin American countries, and is now working with 19 country/projects.

Oscar comes from the banking/retail credit and credit reporting industries. He has over 30 years of successful corporate management, project management & business development, directly and indirectly inside the credit and financial industry. This has been in multinational environments both as a banker in numerous credit institutions, up to the position of CEO, and as a consultant working for leading credit risk and information management companies with particular focus on retail credit management. His work experiences have been in Europe, Middle East, Latin America and Asia.

SPEAKER BIOGRAPHIES

16

Peer Stein

Director, Access to Finance AdvisoryIFC

Peer Stein is the Director and Global Business Line Leader for IFC’s advisory work in Access to Finance (A2F). In this function, he is overseeing and supporting IFC’s technical assistance and advisory services in financial markets world-wide, including SME banking, credit reporting, housing finance, mobile banking, microfinance, and energy efficiency finance. As of June 2011, IFC had a total of 244 Access to Finance advisory services projects in 67

countries. Peer Stein has also been leading IFC’s engagement with the G20 on financial inclusion. He joined IFC in 1996, and has worked in Asia, Africa, Latin America, the Middle East and Eastern Europe on both the investment and advisory side of IFC. Prior to joining IFC, Peer Stein worked in Germany as a management consultant in enterprise restructuring, and as a partner in a strategic market research firm covering Eastern Europe. He is currently also teaching at Johns Hopkins University/SAIS financial sector reform and development.

Patience Marime-Ball

Principal Investment OfficerIFC, Washington DC

Patience Marime-Ball is a Principal Investment Officer in IFC’s Global Financial Markets where she leads the Banking on Women Program focused on scaling up IFC’s investments in women-owned businesses in emerging markets. Patience has previously worked in Infrastructure project finance developing and structuring financing for IPPs and captive power generation transactions in Africa, Latin America and the Caribbean. Patience has also worked for Mizuho Bank in New York as a Vice President in the Project

Finance Group. She has also worked in IFC’s Special Operations Unit focusing on restructurings and settlements of IFC investments. Patience has a Juris Doctor in Law from Northwestern University School of Law and an MBA from the Kellogg School of Business also at Northwestern University.

Qamar Saleem

Senior SME Banking SpecialistIFC MENA

Qamar Saleem is Senior SME Banking Specialist at IFC covering the Middle East and North Africa region (MENA). IFC is part of the World Bank Group and is the leading provider of advisory & financial services for the SME segment globally. Prior to joining IFC, Qamar was associated with reputed international organizations like HSBC, Standard Chartered Bank, Deutsche Bank as well as large regional banks like Arab National Bank and Union National Bank, while serving in emerging markets.

Qamar has over 20 years of diverse commercial banking and strategy consulting experience. He is a recognized SME Banking expert and has played leadership roles in setting up new SME businesses for various banks across multiple countries in the MENA region, over the last decade. In his current role, he is IFC’s lead banking specialist in multiple SME Banking advisory engagements across MENA region. He has also been a featured speaker at numerous SME knowledge sharing forums and has partnered with various government entities across the Gulf region in helping enhance access to finance for the SME sector. Qamar holds a Master degree in Business Administration and carries several certifications in the areas of Credit, Trade, Treasury, Sales and People Management.

SPEAKER BIOGRAPHIES

17

Rohit Arora

Chief Executive OfficerBiz2Credit

Rohit Arora, CEO and co-founder of Biz2Credit, is one of the country’s leading experts in small business finance. Since its founding in 2007, Biz2Credit has arranged $800M in small business loans and has helped literally thousands of entrepreneurs. For his efforts to help others and his pioneering business model, Rohit Arora was named Crain’s NY Business “Entrepreneur of the Year 2011.”Rohit is an often quoted expert on small business lending for major news media and

oversees the Biz2Credit Small Business Lending Index, a widely reported monthly snapshot of small business loan approvals. Its findings are reviewed by Federal Reserve and SBA officials, as well as the President’s Council of Economic Advisors. He also writes a weekly column on small business finance for FOX Small Business Center.

Raheel Ahmed

Regional Head of Consumer BankingStandard Chartered Bank

Raheel is a seasoned Consumer Banker with over 20 years of experience across Asia, Europe, Middle East and Africa. He joined Standard Chartered from Citigroup in UK where he was the Senior Credit Risk Manager for Europe, Middle East and Africa. During his 13 years with Citibank, Raheel worked in Pakistan, UAE and UK in a variety of roles including Risk Management, Audit, Sales and Distribution.In July 2004, Raheel joined Standard Chartered in Dubai as Regional Head of Consumer

Credit for Middle East and South Asia. He then moved to Pakistan to head the Consumer Bank for Pakistan and Sri Lanka. Raheel took over as Regional Head of Consumer Banking Africa in January 2007. He developed & led the transformation of the Consumer Bank in Africa to deliver strong growth in financial & balance sheet performance in addition to building a robust and sustainable business model. He subsequently moved as the Group Head of Distribution Channels in June 2009 where he was responsible for building and implementing the Distribution Channels strategy. Raheel assumed his current responsibility as the Regional Head of CB, Middle East, Pakistan & Africa in June 2012. He is based in Dubai and is responsible for CB’s businesses in Pakistan, Middle East, and Africa.Raheel has an MBA from the Institute of Business Administration, Karachi, and a bi-major in Finance and Marketing.

Saad N. Mouasher

Senior Deputy CEOJordan Ahli Bank, Jordan

Saad N. Mouasher is Senior Deputy CEO of Jordan Ahli Bank. In his capacity as Head of Group Strategy, Marketing and Sales, Saad guided the development of a detailed, comprehensive, bank-wide five year action plan consisting of more than 700 strategic projects and imperatives, designed to transform the bank into a world-class financial services institution, and to prepare Ahli Bank for aggressive regional expansion. In late 2006, Saad was officially charged by H.E. CEO Mr. Marwan Awad to support,

guide, monitor, and direct all Ahli Bank divisions in executing the bank’s highly ambitious transformation plan and aggressive growth strategy. As part of this program, Saad was directly involved in creating and supporting, Jordan’s first specialized Small & Medium Sized (SME) Business Division. Today, Jordan Ahli Bank has the fastest growing SME banking segment in the country. Saad is also an angel investor, startup advisor, and board member of many companies, and especially enjoys online start-up opportunities that present unique value propositions and exhibit viral growth potential. Saad is Chairman of the Board of Ahli Microfinance Company (Ahli Bank Subsidiary), and a member of the global Young Presidents Organization (YPO). Saad’s has a B.A. in Economics from Northwestern University with an Undergraduate Leadership Certificate, as well as an M.B.A. from Stanford University.

SPEAKER BIOGRAPHIES

18

Scott Stefanski

Innovator in Mobile and Financial Products and ServicesMaana Mobile

Mr. Stefanski has over 15 years experience with mobile Internet projects and wireless adoption in emerging markets, notably in the field of mobile financial services. Mr. Stefanski has covered numerous aspects of mobile financial services including full business planning, product and system design, user identification and authentication. Since 2011, Mr. Stefanski has brought these experiences to bear to serve the IFC Global Access to Finance Advisory Team and to launch Maana Mobile, a mobile services platform

designed to accelerate the adoption of mobile financial services among the unbanked population in South Africa. Prior to his work on Maana Mobile, Mr. Stefanski co-created Ultralight Banking (later Obopay/Nokia Money), a mobile banking concept to serve unbanked consumers and the ecosystem of telecommunications and financial partners. Subsequently, Mr. Stefanski served as advisor to the Bill and Melinda Gates Foundation, supporting efforts to deliver innovative financial service solutions to the world’s poor, examining aspects of identity, trust and relationships in transaction decisions.

Sylvia Zulu

Manager, Sustainable Business AdvisoryIFC MENA

Sylvia is the Manager for IFC Sustainable Business Advisory covering the Middle East and North Africa, including Afghanistan and Pakistan. She has been in this role since June 2012. Sustainable Business Advisory offers advisory services to promote sound environmental, social, governance, and industry standards. Prior to taking on this role, Sylvia worked as a Special Assistant to the Vice President, Corporate Services, at African Development Bank and before that she spent eleven years

at IFC headquarters in different capacities. She also worked with IFC Global Financial Markets on the IDA-IFC MSME program for Sub-Saharan Africa, a program aimed at increasing access to finance for MSMEs. Prior to joining IFC, Sylvia worked in Zambia as Senior Manager for Information Technology Operations at Zambia National Commercial Bank and as a Management Consultant at both Deloitte & Touche and DevCorp. Before that she worked for NCR Limited, UK. Sylvia holds a Masters in Business Administration from the University of Maryland’s Robert H. Smith School of Business, a Bachelor of Science in Computer Science from Leicester Polytechnic, UK, and she is a Hubert H. Humphrey Fellow (Pennsylvania State University).

Steven A. Tambunting

Vice President and Board DirectorPlanters Bank, Philippines

Steven is a results-oriented professional regarded for an ability to maneuver different business economic landscape. A visionary change agent with a consistent record in transforming challenges into expansive business opportunities. Steven is a champion on operational and strategic initiatives and applies a sense of urgency and originality to drive corporate missions, goals and objectives. Some of his career milestones include; Director – Planters Development Bank, SME Interactive Web

Solutions, PDB Insurance Agency, PDB Properties, Treasurer, SME Interactive Web Solutions, Vice President and Area Head for Branch Banking Sector and Vice President for Special and Account Management Group. Steven studied at the American International University in London, and Corporate Governance, Finance, Leadership Management and Marketing Strategy – AIM, Philippines

SPEAKER BIOGRAPHIES

19

Tania Moussallem

Head of Strategic DevelopmentBLC, Lebanon

Tania Moussallem has over 17 years of banking experience and is currently Assistant General Manager heading the Strategic Development and Financial Management Group at BLC bank. She is as well a Board Member in USB Bank, Cyprus. She joined BLC bank in 2008 where she initiated, headed and implemented several strategic and innovative development projects involving external and organic growth for the bank. She had started her carrier at Société Générale de Banque au Liban where

she held several managerial positions and headed among others Investment Banking, Specialized Financing and SME’s Departments. In parallel, she acted as Deputy Head of the Corporate and Investment Banking Division. She developed as well an extensive experience in privatization of the energy and water and waste water sectors including a 6 months period as member of the Minister of Energy and Water Cabinet.She holds a Masters degree in Finance & Communication from Ecole Superieure des Sciences Economiques et Commerciales ESSEC, France and a degree in Business Administration from the American University of Beirut.

Tariq Hameed

Senior Vice PresidentCapitas Group

Tariq Hameed is a Senior Vice President at Capitas Group International (CGI) and a Director of the firm’s Financial Platforms business. Tariq has been a key part of CGI’s work since joining the firm in 2010 and is responsible for expanding the Financial Platforms business across OIC markets. In addition to his track record at CGI, Tariq has over two decades of management and business development experience in the fields of Shari’ah compliant mortgage financing, strategy consulting and corporate banking.

Prior to joining Capitas Group International, Tariq was Managing Partner for the UAE at Access Consulting Limited – a multi-disciplinary Management, Corporate Finance & Strategy Consulting firm, incorporated in Dubai (DIFC), Australia & Pakistan. Formerly, Tariq was member of the Management Committee and Head of Sales & Business Development at Tamweel PJSC - one of the largest Shari’ah compliant financial institutions in the GCC and the largest provider of home finance in the UAE. In his previous roles within the banking sector, Tariq was Head of the World Corporate Banking Group at Standard Chartered Bank in Pakistan where he was responsible for the Bank’s multi-national corporate banking portfolio which included lending limits of USD 375m. Tariq received his MBA in Marketing & Finance from the Institute of Business Administration in Pakistan.

Teresita B. Tan

PresidentBPI Globe BankKO, Philippines

Teresita B. Tan is the President of BPI Globe BanKO, Corporate Secretary of Anta Construction Corp and Treasurer of Anta Realty Corp. She holds an AB Mathematics degree from Maryknoll College, Philippines as well as an MS Operations Research degree from Stanford University. As head of BPI’s IT Systems Development team, she implemented most of the core banking applications of the bank. Ms. Tan propelled the BPI Credit Card business from fifth to the second largest in the country. She started the

bank’s International Remittance and Overseas business and won the Hall of Fame award from the BSP for three consecutive years. She is the first woman Executive Vice President of the Bank of the Philippine Islands. In 2009, she became the founding president of BPI Globe BanKO, the first mobile-based, microfinance-focused savings bank in the Philippines. Her experience in banking, technology, alternative delivery channels, credit card and remittance is ideal to implement a business model for low cost banking delivery platform with safe, easy access for the unbanked Filipinos.

SPEAKER BIOGRAPHIES

20

SPEAKER BIOGRAPHIES

Turgut Boz

SME Banking Assistant General ManagerTEB Turkey

Turgut is presently the SME Banking Assistant General Manager at TEB Turkey as well as Member of the Board of TEB Leasing A.S. and TEB Factoring A.S.His role includes Managing Commercial, SME and Gold Banking strategy, alongwith principles and practices in line with corporate business strategy and values.. Turgut was instrumental in establishing SME Banking for TEB which is now widely recognised in this field.. He has also been involved in organizing the TEB SME Academy Programs. run in 27

cities, He has also worked for OSMANLI BANKASI A.S. & GARANTİ BANKASI A.S. as a Commercial Banking Sales and Marketing Manager. Prior to this he was at FİNANSBANK A.S. Tugut studied at Ankara Economic and Commercial Sciences Academy, and achieved a Bachelor of Banking and Insuring.

Yisr Barnieh

Chief of Financial Markets DivisionAMF

Yisr Barnieh is Chief of Financial Markets Division at the Arab Monetary Fund (AMF) since 2009. Previously he was Senior Economist at the Secretariat of the Arab Central Banks Governors Council during 2001-2008. In this capacity, he was in charge of launching, with the partnership of various international institutions, several technical assistance initiatives, particularly the ones regarding the Arab Payment and Securities Settlement Initiative (API) with the World Bank IMF and ECB, the Arab Debt Market Development

Initiative (ADMDI) with the IMF and the Arab Credit Reporting Initiative (ACRI) with International Finance Corporation. He started his career at the “Investors Group” company in Canada.He is a member of the MENA Capital Markets Task force that was established in 2010 by the OECD. He represents the AMF in the meetings of the G-24. He was also a member of the task force on International remittances, led by the Bank for International Settlement and the World Bank. He attends the meetings of both the Arab Committee on Banking Supervision, and the Arab Committee on Payment and Settlement Systems.Mr. Barnieh played a crucial role in establishing the Syrian Commission on Financial Markets and Securities and later on Damascus Securities Exchange. He has participated in many joint missions with the International Financial Institutions (WB, IMF and IFC) with the objective of providing technical or financial assistance to the Arab countries in various financial sector and Capital Markets areas. He participated and attended several conferences and workshops.

Xavier Reille

Manager, Financial Sector Advisory ServicesIFC MENA

Xavier joined IFC in 2011 to lead its Financial Market advisory program in the Arab world. He has been a senior manager with the World Bank for 10 years. He is at the origin of the Microfinance Information eXchange the market platform of the microfinance industry. Xavier managed the G8 access to finance for MENA from 2005 to 2008 and lead CGAP/World Bank transparency and technology programs from 2000 to 2005. Before joining CGAP, Xavier set up several investment funds in South East Asia. He also

worked for SIDI, a venture capital company focusing on SMEs Xavier has been a board member of several banks and investment companies in emerging markets. He has authored over 20 publications on access to finance topics. Xavier graduated from French Grande Ecole ENSIA and completed a banking certificate with CEFEB.

21

SPEAKER BIOGRAPHIES

22