visit our website:

www.fleminggulf.com

Explore a variety of opportunities for retail banking across Africa.

Analyze how islamic retail banking can change customer experience and be an influence for new business growth

Optimize your retail delivery channels via best use of technology and business systems

Understand how new product development and marketing strategies influence growth in your existing retail banking business

Witness best practices and case studies on how to increase the bankable population through new and improved business models

Increase business productivity with state of the art technology and improved electronic & mobile payment transfer systems

Meet and Network with the best of the best from Africa’s retail banking sector

26th and 27th July 2011 Post Conference workshop on 28th July 2011

Hyatt regency, Johannesburg, south Africa

Leveraging Opportunities in Africa’s Consumer Business

FIND YOUR REASONS TO ATTEND

Gold Sponsor:Platinum Sponsor: Silver Sponsors:

“retail banking opportunities for Africa”

Ceo Panel – “Driving sustainability in Africa’s retail banking business”

islamic banking Panel – expanding the islamic retail banking business across Africa

Guru Panel – Product innovation as the Key to New business Growth

PANeL DisCussioN – sustaining Profitability and Generating New business by banking the Poorest of the Poor

HOT SPOTS

RETAIl BANkINg AFRIcA 2011

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Tawanda Nyambirai, TN Holdings ltd, Zimbabwe Group Chief Executive Officer

gautam Vir, State Bank of Mauritius, Mauritius Chief Executive Officer

James Benoit, AfrAsia Bank limited, Mauritius Chief Executive Officer

Sanjeev Anand, Banque commerciale du Rwanda ltd, Rwanda Managing Director

Pieter Van Asperen, First National Bank, South Africa Chief Executive Officer | FNB Branch Segment

Brian Richardson, WIZZIT, South Africa Managing Director and Chief Executive Officer

Mohammad Ashraf Esmael The Mauritius leasing company limited, Mauritius Chief Executive Officer

guy Pearce, JD group, South Africa Chief Executive: New Business Development

gavin Savala, BancABc | African Banking corporation, Botswana Country Head of Retail and SME Banking Division

Ashish Bhugra, citibank NA, Egypt Business Manager – Retail Bank

Faustin Byishimo, Banque commerciale du Rwanda ltd, Rwanda Head of Retail Banking

Regan Adams, RcS group, South Africa Chief Commercial Officer

Ismail Ali, ITS, kuwait Senior Manager, Marketing and Global Operation – Financial Industry

Vinayak Pillai, SunTec Senior Vice President and Head of Sales, EMEA

kelechi Dozie, Pay4Me Services limited, Nigeria Managing Director

Sathish N, SunTec Customer Engagement Director – EMEA

Michael Schrader, Top Image Systems™ (TIS™), germany Managing Director: Europe, Middle East & Africa

clive Williams, Top Image Systems™ (TIS™), United kingdom Senior Vice President, Global Banking

leila Fourie, Standard Bank of South Africa Director: Card Division

Uchenna Okwodu, Bank PHB Plc, Nigeria Vice President | Group Head – eBusiness & Card Services

Hennie van Rensburg, Standard Bank Senior Manager: Business Integration, Core Banking Pricing

Fazal Saib, Standard Bank Africa, South Africa Director – Shari’ah Banking

Javed Abbasi, gISBA group, Saudi Arabia Principal Consultant and Founder

Mohamed Saloojee Senior Retail Banking Executive

John Aldridge Payment Consultant

When we talk about opportunities and emerging markets, Africa is the first region that comes in mind. Ever since the success of the FIFA World Cup 2010 in South Africa, Africa has gained an international recognition as a land of opportunities and new business growth.From a retail banking context, Africa is a destination where retail banks and emphasis on new product development and enhancing their consumer financial services with service, business, process and product innovation.It is true that Africa is still harnessing an unbanked population which covers nearly 70% or more of the continent’s overall population. Banks do find it a challenge to increase the accessibility of financial services to the unbanked population.The true story here is that retail banks should leverage opportunities in the region’s consumer sector.With a series of success in Cairo and in Johannesburg, Fleming Gulf Conferences announces its return to the financial capital of Africa “Johannesburg” with the 3rd Edition of retail banking conference in Africa in the name of “Retail Banking Africa 2011”. This year’s trend is based upon leveraging opportunities in Africa’s consumer business.

EVENT OVERVIEW

WHO MUST ATTEND

5 REASONS TO WHY YOU cAN’T MISS THIS PREMIUM EVENT

2010 ATTENDEES BREAkDOWN

CEO, COO, CMO, Managing Directors, Senior Vice Presidents, Senior Managers and Group Heads of:Retail Banking, Consumer Banking, Personal Banking, Retail Assets, Retail Liabilities, Retail Credit, Retail Distribution, Branch Banking, Re-tail Marketing, Retail Sales, Retail Product Development, Electronic Banking, Mobile Banking, Mobile Payments, Retail Payments, Cards Business, Debit Cards, Credit Cards, Prepaid Cards, Smart Cards, Personal Finance, Consumer Finance, Consumer Lending, Consumer Risk Management, Islamic Retail Banking, Remittances, Retail Strategy, Retail Portfolio Management, Delivery Channels, Retail Customer Management, Customer Experience, Retail Loans, Secured Lending, Unsecured Lending, Retail Product Management, Retail Operations and Micro Financing.

100+ Senior Retail Banking Executives attended in 2010

24 Countries represented in 2010

49 Banks represented in 2010

The most targeted and focused conference on the Growth of the African Retail Banking business

Listen to Valuable Case Studies and Presentations from the Region’s Retail Banking GURUs

Dear retail bankers:

Retail Banking regardless to say is the ultimate source of profitability for a commercial bank is now in a phase where redefining and realigning growth opportunities is the key to drive monetary excellence.

Fleming Gulf is back with the series of Retail Banking Africa in 2011 where regional leaders in retail banking will gather across 2 days and will “Explore Opportunities in Africa’s Consumer Business.” Discussions based on best practices, successful stories, case studies, strategies and new business models will be the highlight of this epic event.

Benefit by attending the Retail Banking Africa 2011 and utilize the face to face networking opportunities with the industry leaders and gurus in retail banking.

I look forward to meeting with you at the event in July 2011!

Best Regards,

Fahd Ali Akmal Senior Conference Producer Retail Banking and Finance Division

THE ADVISORY cOUNcIl

The advisory council will aid in the quest for providing high quality education on the most significant topics to ever impact the region’s retail banking sector.

Ebrahim (Ebi) Ahmed Patel, First National Bank, South Africa Chief Executive Officer | FNB & Wesbank Islamic FinanceAshish Bhugra, citibank NA, Egypt Business Manager – Retail BankIsmail Ali, ITS, kuwait Senior Manager, Marketing and Global Operation – Financial Industry

chidi Okpala, United Bank for Africa Plc, Nigeria Head of Group Retail Banking Divisionkevin kihara, Family Bank, kenya Senior Manager – Innovation & Strategic PartnershipsDavid lawson, ghana Private Business Consultant

Media Partners:Islamic FinanceGLOBAL

magazine

Islamic FinanceGLOBAL

magazine Drive Traffic To Your Business

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

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

8:00 Registration and coffee

8:45 Welcome Note from Fleming gulf

8:50 Opening Remarks from the chair gautam Vir, State Bank of Mauritius, Mauritius Chief Executive Officer

cRAFTINg AFRIcA’S IDEAl RETAIl BANkINg BUSINESS MODEl

9:00 KeYNote Africa Outlook – Transforming Africa’s Retail Banking Business Model• TransformingRetailBankingtoaReflectNewEconomicEnvironment• RecentdevelopmentsinMulti-ChannelManagementacrossAfrica• ChannelInnovationforBankingtheUnbanked• Accesspoints–ElectronicChannelsortheBranch?• ClientAcquisitionandRetention• Howwoulddifferentmarketsbehavetoanalteredretailbankingbusiness

model?• StrategicroletoattainProfitabilityandthewayforwardgautam Vir, State Bank of Mauritius, MauritiusChief Executive Officer

9:30 “Retail Banking Opportunities for Africa”• GlobalRetailBanking–Yesterday,TodayandTomorrow• ThePresent&Future...Africa’sRetailBankingbusiness• MacroDriversfortheregion’sRetailBankingBusiness• TheConsumerBusinessoverviewandNewTrendsforAfrica• CurrentBusinessModeladaptedacrossAfrica’sRetailBankingsector• HowshouldRetailBanksorganizeforsuccessandprofitablegrowth?• EffectiveRetailBankingDeliveryModels• TheWayForwardTawanda Nyambirai, TN Holdings ltd, ZimbabweGroup Chief Executive Officer

10:00 cEO Panel – “Driving Sustainability in Africa’s Retail Banking Business”Panel Discussion:• Bankingtheunbankedisstillachallenge–Anybrightideas?• MarketSegmentation–ItsImportance• LearningfromExperienceandtheBest• ScopeofbringingInnovativeservicesacrossElectronicPaymentsandCards• Enhancingretailinvestmentsandwealthmanagementproductsandservice

innovationtoaffluentandHNWindividuals• BusinessExpansionandGrowthOpportunitiesinNewMarketsFeatured Panelists:Tawanda Nyambirai, TN Holdings ltd, ZimbabweGroup Chief Executive OfficerJames Benoit, AfrAsia Bank limited, MauritiusChief Executive OfficerSanjeev Anand, Banque commerciale du Rwanda ltd, RwandaManaging DirectorPieter Van Asperen, First National Bank, South AfricaChief Executive Officer | FNB Branch SegmentModerator:gautam Vir, State Bank of Mauritius, MauritiusChief Executive Officer

10:45 Morning coffee Break, Exhibition and Networking

REINVENTINg BANkINg WITH THE ISlAMIc BANkINg BUSINESS MODEl

11:15 Enabling IT to grow the Islamic Retail Banking business• ThetechnologymodeladaptivetotheIslamicBankingbusiness• DifferentiationoftheIslamicBankingITModelwiththeConventionalBanking

IT Model• ProcessImprovement,Controls&AchievingOperationalExcellence• DerivingService,ProcessandProductInnovationinIslamicRetailBanking

through technology• CasestudiesandbestpracticesIsmail Ali, ITS, kuwaitSenior Manager, Marketing and Global Operation – Financial Industry

11:45 Structuring Innovative Islamic consumer Financial Products• IslamicapproachtoConsumerFinance• MethodologyandIslamicModelsforProductDevelopment• Transaction&ApprovalProcessinShari’ahStructuringofProducts• MajorChallengesandRiskManagementissues• CaseStudy:StructuringanIslamicCreditCardJaved Abbasi, gISBA group, Saudi ArabiaPrincipal Consultant and Founder

12:15 Islamic Banking Panel – Expanding the Islamic Retail Banking Business across Africa

KeYNote Increasing Market Share by Leveraging Opportunities in Islamic Retail Banking

Javed Abbasi, gISBA group, Saudi ArabiaPrincipal Consultant and Founder

12:30 Panel Discussion:• Almost50%ormoreofAfrica’spopulationareMuslims.WhyIslamicBankingis

notsoheavilyexposed?• EducatingclientsthecompetitiveedgethatIslamicFinancinghasascompared

to the conventional system• HowcanIslamicRetailFinancialServicesbenefitcustomersfromsegmentssuch

asthepoorestofthepoor,theunbankedandunder-banked?• WhatinnovationscanIslamicRetailBankingbringtoAfricaasawhole?• ImprovisingwithTechnologytoexpandtheIslamicRetailBankingnetwork• DrivingproductandserviceinnovationintheIndividualIslamicLeasing&

Financing businessFeatured Panelists:Ismail Ali, ITS, kuwaitSenior Manager, Marketing and Global Operation – Financial IndustryMohammad Ashraf Esmael, The Mauritius leasing company limited, MauritiusChief Executive Officer

Fazal Saib, Standard Bank Africa, South AfricaDirector – Shari’ah BankingModerator:Javed Abbasi, gISBA group, Saudi ArabiaPrincipal Consultant and Founder

13:00 lunch – Hosted By: TN Bank ltd

AcHIEVINg PROcESS, BUSINESS & PRODUcT EXcEllENcE IN RETAIl BANkINg

14:30 CAse stuDY Optimizing Retail Delivery channels – Business & Technology Strategy Alignment• Leveragingwithnewtechnologydevelopmentsinbusinessplanning• Roleoftheretailbankingheadsandtechnologyheadstounderstandthe

business strategies and plans• Integratingbusinessandtechnologystrategiestosupportbusinessinitiatives• Deployinginnovativebranchlayoutsforserviceexcellence• Deliveringsimilarorimprovedqualityofcustomerinformationacrossdelivery

channelsgavin Savala, BancABc | African Banking corporation, BotswanaCountry Head of Retail and SME Banking Division

15:00 Retail Banking in Africa calls for Product and Pricing Innovation• RetailbankinginAfricaouttonewbusiness–FIsembracesegment-based

approach• Banksneedtoaddressunbankedsegment;leveragealternativechannels• Launchingnewproducts,satisfyingneedsofsegmentsisthechallenge• Paradigmshiftinpricingapproachrequired-product-centrictocustomer-centric• Customer-centricitythroughinnovativeproductofferings;pricing

methodologiesHennie van Rensburg, Standard BankSenior Manager: Business Integration, Core Banking Pricing

15:20 Enabling pricing innovation through technology• Relationship-basedPricingenablescustomerwalletshare,profitabilityand

business growth• Ensuringcustomerprofitability• Segmentationanddifferentiationthroughproductandpricingstrategies• Predictabilityhaspreviousvalue:futureofpricinginnovationSathish N, SunTecCustomer Engagement Director – EMEA

15:30 Afternoon coffee Break, Exhibition and Networking16:00 Adapting to a customer centric Platform in Retail

Banking Services• Importanceofbalancingmarketresearchandcustomerfeedback• UseoftheVOCmodeltoenhanceandimproveproductdevelopment• Costandvaluemanagement• Organizationalculturalchangemanagement• CaseStudyAshish Bhugra, citibank NA, EgyptBusiness Manager – Retail Bank

16:30 Ensuring card Business Profitability• Co-brandingandPartnerships o Trends of co-branded cards in South Africa o Howimportantistheco-brandfornewbusinessdevelopment? o Managing Liquidity, Profits and Losses between the bank and the co-

branding partner o Dos and Don’ts in co-branding during a time of liquidity crisis, lessons

learned o Case Study• Managingforprofitthroughthecycle o Managing through the cycle o Managing long term profitability o Counter-cycle growth o Key indicators through the cycleleila Fourie, Standard Bank of South AfricaDirector: Card Division

17:00 gURU Panel – Product Innovation as the key to New Business growthPanel Discussion:• OpportunitiestobuyandinvestinaGlobalVillage• TheroleofBrandManagementtodriveBusinessExcellenceinConsumer

Products• Howhasthemodernconsumerpaymentsystemsbeenapplaudedbyretail

customers?• BestandPracticalCRMStrategy• AdaptingtoClientCentricityapproachforInnovation

• Howwillproductinnovationhelpinnewbusinessexpansion?

Featured Panelists:gavin Savala, BancABc | African Banking corporation, BotswanaCountry Head of Retail and SME Banking DivisionAshish Bhugra, citibank NA, EgyptBusiness Manager – Retail BankFaustin Byishimo, Banque commerciale du Rwanda ltd, RwandaHead of Retail BankingRegan Adams, RcS group, South AfricaChief Commercial OfficerVinayak Pillai, SunTecSenior Vice President and Head of Sales, EMEAModerator:gautam Vir, State Bank of Mauritius, MauritiusChief Executive Officer

17:30 closing Remarks from the chair

17:40 End of Day 1

Speakers & Delegates are cordially invited to a

Networking cocktail Reception

Day 1: 26th July 2011

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

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

8:00 Registration and coffee

8:50 Opening Remarks from the chair Mohamed Saloojee, Senior Retail Banking Executive

INcREASINg AFRIcA’S BANkABlE POPUlATION AND ADAPTINg TO NEW & SEcURED TRENDS WITHIN ElEcTRONIc PAYMENTS

9:00 CAse stuDY generating a lucrative Prepaid Payments Business• OverviewofAfrica’sPrepaidPaymentsBusinessModel• HowwillthePrepaidPaymentBusinesshailtheDomesticCredit

Business?• WhatmethodologiesofNewProductDevelopmentcanbeused

toensureanaftersaleClientSatisfaction?• HowwillthePrepaidPaymentBusinesscreateaLandscapeof

Innovation–TowardsaCashlessSociety?kelechi Dozie, Pay4Me Services limited, NigeriaManaging Director

9:30 Free Banking for the UnbankedThe paper will show established mobile internet services can be coupled with a basic bank account to provide a comprehensive payment mechanism for the previously unbanked. An established financial model shows that charging retailers less than card fees can cover all costs and enable a bank to provide free banking to the individual. Further discussion points include:• Minimalcapex–GPRScellphonesarethebankingterminal.

(80% of African Handsets)• PushtransactionstoaretailerECR/Printer….Notcardterminal.• DeliverandpayforallInternetServices–digitalcontent...

merchants…WASPs…• Securedot.mobiapplications.• ProfitableaccountoptionforBanks.John AldridgePayment Consultant

10:00 Interpreting the BRIcs Economic Opportunity as Future African corporate, SME and Retail Banking Opportunities• ThemeaningbehindBRICsandtheirrelevanceoftheBRICs

anomaly• Thescopeforfutureopportunitiesbeyondoptimization,

innovation and market share capture• Africaatthecentreoftheworldeconomyinthecontextofthe

CIVETS, preferred destinations for Foreign Direct Investment, and multiple Gateways to Africa

• ImplicationsforCorporateBanking(primaryindustry)• ImplicationsforSMEBankingandSMEdevelopment(secondary

and tertiary industry)• ImplicationsforRetailBanking(consumptioneconomics),

and the challenges of a typical banking operating model in a multinational retail banking context

• What’snext?guy Pearce, JD group, South AfricaChief Executive: New Business Development

10:30 Morning coffee Break, Exhibition and Networking

11:00 Managing Risk whilst gaining competitive Advantage – The Application an Enterprise content Management Platform for Banking• BusinessDriversandECMTrendsinRetailBanking• TheApplicationofaBankingECMPlatform• BankingApplicationsandCaseStudies o Fraud Prevention and Detection o Mobile Banking o The Digital Mailroom o Case Studies - Retail and Transaction Banking - Digital Mailroom in RetailMichael Schrader, Top Image Systems™ (TIS™), germanyManaging Director: Europe, Middle East & AfricaJoint Presenter:clive Williams, Top Image Systems™ (TIS™), United kingdomSenior Vice President, Global Banking

11:30 Eliminating Fraud & Financial crime by deriving a Secured Payment System• OverviewofAfrica’sPaymentSecurityLandscape• InformationSecurity&FraudTrend• SettingthecontextofFraudRiskManagement• EliminatingEMV&ChipFraud• ImplicationsofPCIDSSanditsadvantages• InnovationsinFraudControl• CaseStudyUchenna Okwodu, Bank PHB Plc, NigeriaVice President | Group Head – eBusiness & Card Services

12:00 CAse stuDY Mobile Payments Story• GenesisoftheMobilePaymentsProduct–TheBusinessModel• ProductStructuringandRelevancetoTargetedCustomer

Segment(s)• KeyDriversofChangeincontexttotheTechnicalInfrastructure

and usability• FraudDetection&PreventionPolicy• Keytake-awayBrian Richardson, WIZZIT, South AfricaManaging Director and Chief Executive Officer

12:30 PANEl DIScUSSION – Sustaining Profitability and generating New Business by Banking the Poorest of the Poor• Lookingatalternatemethodstobankthepoorestofthepoor• Improvingtheexistingmobilecommercebusinessandits

technological infrastructure• Drivinggrowthviainnovationsintermsofservice,processand

products• Dealingwithnon-financialinstitutionstodeliverbasicfinancial

services to the poorest of the poor• ImportanceofclientretentionanditsmechanismFeatured Panelists:Brian Richardson, WIZZIT, South AfricaManaging Director and Chief Executive Officerkelechi Dozie, Pay4Me Services limited, NigeriaManaging DirectorUchenna Okwodu, Bank PHB Plc, NigeriaVice President | Group Head – eBusiness & Card Servicesguy Pearce, JD group, South AfricaChief Executive: New Business DevelopmentJohn AldridgePayment ConsultantModerator:Mohamed SaloojeeSenior Retail Banking Executive

13:00 lunch – Hosted By: TN Bank ltd

INTERAcTIVE BREAkOUT SESSION

14:00 “Banking the Poorest of the Poor”Africa is harnessing a population of over 70% unbanked and under-banked people that includes a segment of the poorest of the poor. Given that there is a potential of new business development within this segment, commercial banks can identify various opportunities here and can come up with innovative products and services to the this segment. The session will address the following key issues:• Fromintelligencetoinsight...• Ensuringrelevanceandsustainability...• Leveraginginnovationandcreativityfornewageenablement...• Openingnewfrontiersforlongtermviability...• Creatingpartnershipsinordertomanageforvalue...• Leadingwithinspiration...Mohamed SaloojeeSenior Retail Banking Executive

15:00 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 Producerfahd.ali@fleminggulf.com

Day 2: 27th July 2011

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

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

Retail Banking Innovation & Operations Training WorkshopIntroduction:

Africa has been in the spotlight of many foreign investors. Local, regional and foreign commercial banks have pumped in a lot financial options to their consumers but still research shows that despite the efforts made by these commercial banks, Africa is still harnessing an unbanked population of over 70% from the continent’s total population. The challenges that commercial banks face are mainly in the technical, operations, innovation, distribution and product development arena. It is time that commercial banks enhance their financial services to the unbanked population by improving the accessibility and the products through innovation. Despite bringing innovations to your products and services the challenge for a retail bank is “how to retain existingcustomers?”Retailbankscertainlyareinvestingintoseveralprojectswheretheycanbanktheunbankedcustomersandretain these customers in the bankable domain.

course Director Profile:

Javed Abbasi, gISBA group, Saudi Arabia, Principal Consultant and Founder

Javed Abbasi MBA Bi-major (Finance & MIS), DIBI (IIBI, UK), IFQ (SII, UK), CIPA (AAOIFI) is Principal Consultant at GISBA. (GISBA was nominated in two of the best in its class categories by CPI Financial in 2009). His consulting assignments are across three continents from Switzerland, KSA, Bahrain, UAE, Kuwait, Nigeria and Malaysia. Mr. Abbasi is a prominent consultant with expertise in Islamic Finance vertical. Mr. Abbasi is conducting the Strategic session for Senior Executives of banks for quite some time. He is considered as an authority on how the “Blue Ocean Strategy” can be applied in the banking environment.

9:00 Session 1: Overview• Introductiontoretailbankingproductsglobally• Identifyingcommonandfastmovingretailbankingproducts

across Africa• Understandingcustomerresponseonthesefastmoving

products• Identifyingwhytheremainingproductportfolioarenotselling

• LearningofDeepcustomerinsight

10:30 coffee and Tea Break

10:45 Session 2: Product Innovation• Understandingkeydriversofproductinnovationinretail

banking• Howproductinnovationhaschangedretailbankingglobally?• Impactofproductinnovationpreandpostfinancialcrisis• Keymethodologiesforproductinnovation• Measuringandeliminatingrisksduringproductdevelopment• Importanceofnewideastogenerateinnovativeproducts• Craftinganclientcentricbusinessmodeltogenerateconsumer

products• Learningofcustomerprioritiestogenerateclientcentricretail

products• SignificanceofIslamicRetailFinancialProducts&Services• Designingaclientcentricretailproduct:- o Credit Cards o Personal Loans o Deposits and Saving Investments o Home Finance o Consumer Payment Products o Electronic Banking Services o Wealth Management Solutions o Micro and Consumer Financing

12:00 Session 3: client centricity and Retention Strategies

• Learninghumanpsycheandanalyzingpotentialareastoretainclients

• Derivingtechnologyasasourcetoenhancecustomerexperience and maintain client retention

• Strategiesonhowtoincreaseproductivitythroughanewandimproved client retention system

• BestuseofLeanandSixSigmatoimproveservicequalitythatresults in client retention

• Identifyingvariousbusinessandoperatingmodelsforaneffective client retention system

• ImprovisingwiththeIslamicapproachtoclientretentioninretail banking and identifying how effective the approach is to retain customers

13:00 lunch

14:00 Session 4: Retail Banking Operations & Distribution Improvement

• Currentoperationalexcellencetrendsinretailbanking• Creatingadistributionstrategythatbestsuitsyourregion• Identifyingbestwaystoreachtheunbankedpopulation• Improvingthesemethodsofreachingtheunbankedpopulation• Opportunities&variousstrategiesinpartneringwith

non-financial institutions to deliver financial services to the unbanked community

• Strategiesondistributionandproductinnovation• Identifyingamulti-channelapproachtoproductdistribution

15:00 Session 5: group Exercise & Team Building• Practicaluseofconcepts• Ideasharingandnetworking• CaseStudiesandexercises• Roundtablediscussions• TeamPresentationonexercises

15:30 conclusion: challenges, Issues and the Way Forward

• WinningNewProductDevelopmentStrategiesinRetailBanking

• TheimportanceofbuildingaNewProductDevelopmentCulture

• Importanceofusingtechnologytodevelopandservebetterproducts to Africa’s customers

• Valueofconsumerinsightsduringproductdevelopment• Importanceofmethods,metricsandoperatingmodelsin

achieving operational excellence

16:00 close of Workshop and Farewell

Post CoNFereNCe worKsHoP

Day 3: 28th July 2011

MEET OUR PRESTIgIOUS SPEAkER PANEl

gautam Vir, State Bank of Mauritius, Mauritius Chief Executive OfficerGautam Vir is a veteran consumer banker with over 32 years of experience in this field spanning across India, Asia-Pacific, North America, Middle East and Europe. He is currently the Chief Executive of the State Bank of Mauritius Group since 2009. Gautam started his banking career with the Bank of America in 1978 and later moved to Citibank India in 1987 where he had seven year tenure in the consumer banking domain across India and Singapore. After Citibank in 1994 Gautam moved to Dubai and was the Head of Personal Banking for the Southern Gulf Region for Standard Chartered Bank. Gautam took up his first role as CEO with HEBROS Bank in Sofia – Bulgaria back in 2001. He remained CEO, Executive Director and the Chairman of the bank’s Management Board. In 2005, Gautam moved back to India to join the Development Credit Bank as the bank’s Managing Director and Chief Executive Officer. Courtesy his intelligence the Development Credit Bank got listed on the Bombay Stock Exchange and the National Stock Exchange. Gautam holds an MBA from the Indian Institute of Management, Kolkata, India and a B.A. (Hons.) Economics from St. Xavier‘s College, Kolkata. He is married and is a father of 2 children.

Tawanda Nyambirai, TN Holdings ltd, Zimbabwe Group Chief Executive OfficerTawanda holds a Bachelor of Laws Honours Degree from the University of Zimbabwe and a certificate in International Conflict Resolution Studies from the University of Uppsala Sweden and is a registered legal practitioner, having practised as a partner of Kantor and Immerman Legal Practitioners until March 1998. He is also a registered Estate Administrator. Tawanda is a Partner of Mtetwa & Nyambirai Legal Practitioners. He is the Chairman of Econet Wireless Holdings Zimbabwe. In 2001, he founded TN Financial Holdings Limited, a financial Services Group that now includes TN Asset Management, TN Financial Services, TN Medical Benefit Funds and TN Bank Limited, a registered Commercial Bank. Tawanda led the reverse takeover of Tedco Limited, a company listed on the Zimbabwe Stock Exchange since 1973 and which is the leading furniture manufacturer and retailer in Zimbabwe that has a country wide distribution network. The result of the transaction was a reverse listing under TN Holdings Limited on 4 January 2010. Tawanda is the Group Chief Executive Officer of TN Holdings Limited. The group has a unique banking model that leverages on the furniture business. This model attracted the attention of CNN and is captured in an interview posted on the CNN website under the following link: http://edition.cnn.com/video/data/2.0/video/international/2010/10/28/mpa.nyambirai.tn.bk.b.cnn.html Tawanda has won awards for outstanding achievement at personal level as well as for TN Holdings Limited. These include the “Zimbabwe National Chamber of Commerce (“ZNCC”) Businessman of the year award for Harare for 2010”, the “ZNCC Businessman of the year National Award for 2010”. Under his guidance, TN Holdings Limited also got “The Platinum Technology Award for Quality & Best Trade Name”, an international award conferred on TN Holdings Limited in Geneva in December 2010 in absentia. TN Holdings also won the award for the best display in the Commercial Sector of Zimbabwe at the centennial Zimbabwe Agricultural show held in August 2010. This July, TN Holdings Ltd will be receiving the ‘Majestic Five Continents Award for Quality and Excellence’ from the ‘OMAC’ Other ways Management Association Club – Paris. This international Award has been created in Europe to reward firms all over the world who have distinguished themselves in the field of Quality and Excellence. He has been the theme speaker at the ICAZ 2010 winter school under the “Zimbabwe, the Uncut Gemstone”. He was a panelist at the Economist conference on Zimbabwe under the topic “Ethics of Investing in Zimbabwe”. He has also presented a lecture on Indegenisation Legislation at the 2010 Kemptom Makamure Memorial Lecture. He was a mentor on a popular TV series, “My Own Boss” that was intended to nature entrepreneurial talent in young Zimbabweans and Zambians. On the 8th of March this year, over 800 policy-makers and investors attended the Euro money Zimbabwe Investment Forum of which Tawanda participated as a moderator for a panel of four senior Zimbabwean Executives, discussing over the theme ‘Inducing consumer demand in an illiquid dollarized environment’. He set the topic, selected the speakers, and moderated the workshop. The survey conducted by Euromoney after the event and published in a conference Report Dated 6 April 2011 showed that this workshop “B”, was rated the best workshop of the conference by the delegates. Under his guidance, TN Holdings Ltd was recently awarded the Bronze Award at the ‘ZITF’ Zimbabwe International Trade Fair; where over a 100 companies participated in showcasing their products to local and international delegates. The trade fair is an annual event, regionally rated amongst the paramount events within Southern Africa. Each year, over 4000 individuals attend this show.

James Benoit, AfrAsia Bank limited, Mauritius Chief Executive OfficerJames Benoit is CEO and Director of AfrAsia Bank Limited, a regional corporate and private bank which is part of the largest conglomerate in Mauritius. In less than three years, AfrAsia has rapidly established operations/alliances in Cape Town, Johannesburg, Durban, India and Singapore. The bank quadrupled its capital base adding private equity firms from South Africa and Singapore and recently the French development institution, Agence Francaise de Developpement, via its private arm, PROPARCO. The vision is to serve the growing Africa – Asia trade and investment corridor based in the Mauritius Financial Services centre. James was previously a global executive with HSBC Group in China, Philippines, Hong Kong, Middle East, Canada and Mauritius in which he has developed, implemented and grown leading consumer banking, wealth management, credit cards and corporate banking businesses. He is current President of the local Chapter of CFA Institute which has won global awards for membership revitalization.

Ismail Ali, ITS, kuwait Senior Manager, Marketing and Global Operation – Financial IndustryIsmail Ali began his career on a path that is rare among other IT executives. Having earned his Bachelor’s degree in Mathematics from one of the Middle Eastern’ s top universities, and armed with his MBA degree from university of Wales, UK, Ismail’s goal was to complement his natural technical savvy with a strong foundation in business and Islamic banking. Ismail Ali offers 15+ years of financial and technology experience, strong background of Islamic banking industry solutions, challenges, markets’ drivers as well as financial institutions’ needs. Setting and executing Islamic banking solution strategy with specifics on transformation into Islamic banking and applying Islamic windows. Ismail is responsible for the marketing, product development and global expansion of the financial industry within ITS group. Ismail earned his MBA degree from University of Wales, UK, pursing Doctorate of Business management degree from university of Atlanta, USA, and earned his Bachelor degree of Mathematics from University of Cairo, Egypt.

Javed Abbasi, gISBA group, Saudi Arabia Principal Consultant and FounderJaved Abbasi MBA Bi-major (Finance & MIS), DIBI (IIBI, UK), IFQ (SII, UK), CIPA (AAOIFI) is Principal Consultant at GISBA. (GISBA was nominated in two of the best in its class categories by CPI Financial in 2009). His consulting assignments are across three continents from Switzerland, KSA, Bahrain, UAE, Kuwait, Nigeria and Malaysia. Mr. Abbasi is a prominent consultant with expertise in Islamic Finance vertical. Mr. Abbasi is conducting the Strategic session for Senior Executives of banks for quite some time. He is considered as an authority on how the “Blue Ocean Strategy” can be applied in the banking environment.

Mohammad Ashraf Esmael, The Mauritius leasing company limited, Mauritius Chief Executive OfficerMr Esmael, 43 is the Chief Executive Officer of The Mauritius Leasing Company Limited, the pioneer leasing company in Mauritius since 1987. Mr Esmael is an experienced and strategically minded business person who has the privilege of leading the largest, most innovative and the only Asset Finance Company

listed on the Stock Exchange of Mauritius. Mauritius Leasing is part of the British American Investment Group, 2nd largest Conglomerate in Mauritius. Prior to joining British American Investment in 2001, of which Mauritius Leasing is a subsidiary, he held a number of senior positions with large companies and multinationals in diverse business sectors such as financial services, information technology, consulting, FMCG and corporate investments. Within the British American Investment Group, Mr Esmael served in successive roles as Head of Information Services, Vice President – Central Services and Vice President -Projects where he handled and monitored a number of corporate investment projects of the Group as well as the setting up of new companies. In 2004, he initiated the structuring and setting up of the first and only specialised fleet management operation in Mauritius to provide full maintenance lease solutions to corporate fleet owners. More recently he successfully led industry breaking new developments in Islamic financial services (Ijaarah, Murabaha and Mudharaba based solutions) including real estate leasing and floor plan financing solutions in Mauritius. Mr Esmael participates in various professional and business associations such as the Mauritian Institute of Management and the Mauritian Chamber of Commerce & Industry and he is presently the Chairman of the Association of Leasing Companies in Mauritius. He has also acted as panel member and speaker in financial services workshops organised by the Financial Services Commission and the Central Bank in Mauritius on topics such as Broadening Access to Financial Services and Islamic Finance & Capital Markets. He holds a Master in Business Administration from the Surrey European Management School with specialization in Marketing and Project Management. He also holds other qualifications in Management Accountancy and Information Technology. He is married with 2 children.

Hennie van Rensburg, Standard Bank Senior Manager: Business Integration, Core Banking PricingHennie has been handling the business integration of pricing for the Core Banking replacement project at Standard Bank Africa since July 2010. He is a seasoned retail banking product manager and has wide knowledge and rich experience, spanning almost two decades, in product development, pricing and profitability management. Prior to this assignment, Hennie managed the liability product portfolio at Standard Bank Africa. He has also worked as pricing manager at Ford Motor Company. Hennie holds an MBA from Bond University, Australia.

Sathish N, SunTec Customer Engagement Director – EMEASathish drives SunTec‘s customer experience practice for the EMEA region. His primary focus is on handling program delivery, pre-sales and consulting. Sathish is a techno-functional expert with rich global experience in delivering enterprise pricing and billing and core banking transformation for tier-1 and tier-2 banks. He has had long stints with large banks, leading their transformation projects in Tokyo, London, Copenhagen, Dubai, New York and South Africa. Sathish holds a BE from Bharathiar university, India.

Ashish Bhugra, citibank NA, Egypt Business Manager – Retail BankAshish has had a 20 year association with Citibank having worked in India, Saudi Arabia, UAE & Bahrain and has gathered a diverse experience in Wealth Management, Branch Operations, Marketing & Business Management. In 2004, he was designated as the Country Business Manager for Citibank in Bahrain, where he has grown the franchise by 30% annually thereby making significant inroads into the Retail Banking space in the country. Ashish is also a member of the Retail Banking committee of the Bankers Society of Bahrain. In this role he was actively engaged on behalf of the Central Bank of Bahrain in designing & implementing the ‘code of best practices’ for Retail Banks. Citibank Bahrain has received the Best Internet Bank award by Global Finance in 2005, 2006, 2007 & 2008. Additionally, in 2007 Citibank Bahrain was felicitated with the ‘Best workplace award’ and in 2008 for the ‘Best Loans portfolio’ in EMEA. The business also received 4 Regional awards in 2008 on their Cards portfolio. Effective Aug 2009, Ashish has moved to a new assignment in Cairo as the Country Business Manager for Citi’s Global Consumer Group, Egypt. Ashish joined Citibank in 1990 in India. He holds a double MBA degree from Birla Institute of Technology (BIT) Ranchi & from the Indian Institute of Management (IIM) Calcutta.

leila Fourie, Standard Bank of South Africa Director: Card DivisionLeila, a director at Standard Bank Group is responsible for the Card Division for South Africa. She overseas R21 billion in assets and 3 million card holders. The card division contributes in excess of R700m in headline earnings and R3.7bn in operating income. Leila overseas the consumer and commercial card portfolios, Bluebean, Edcon and British Airways cards as well as the Diners Club organisation in South Africa. Leila is the chairman of the Diners Club South Africa board and is a Discover International board member. Standard Bank is the largest credit card issuer in South Africa, contributing to 34% of the market share by balances. After graduating with a bachelor degree from RAU and an Honours Cum Laude at Unisa, Leila completed her MCOM Economics at the University of Johannesburg where she moderates honours students in Financial and Investment Analysis during her spare time. She spent 8 years in consulting at various companies, finally at Accenture for five years. After working in multiple industries in consulting, Leila specialised in capital markets, consulting to the Johannesburg Stock Exchange for 4 years. Leila moved to Standard Bank Corporate and Investment Bank in 2004 where she led a global unit responsible for Credit Analytics and Portfolio Reporting. Leila moved to her current role at the Personal and Business Bank in mid 2008 to head the Card Division, the largest of its kind in South Africa.

Regan Adams, RcS group, South Africa Chief Commercial OfficerRegan completed his BSc Engineering degree at the University of Cape Town and started in an engineering capacity at PPC Cement. Whilst working at PPC, Regan completed a BComm degree through UNISA to further his keen interest in business management. He subsequently became involved in a business process re-engineering project at PPC which led to him moving to their head office in Johannesburg. After spending some time in the manufacturing industry Regan decided to pursue a career in financial services and joined Capital One Financial Corporation. In their company‘s Joint Venture with Nedcor Bank, Regan initially worked on the Peoples Bank Lending business prior to working in the UK at the Capital One Head office. On his return to South Africa he worked as Business Manager for American Express Cards. Regan left American Express to gain experience in the risk management consulting field by joining PIC Solutions prior to starting his career at the RCS Group. Whilst at RCS, Regan completed his BCom (Hons) in Financial Analysis & Portfolio Management. Currently Regan is the Chief Commercial Officer within the RCS Group responsible for all the commercial aspects of the business inclusive of all the various business and product lines within the Group.

Faustin Byishimo, Banque commerciale du Rwanda ltd, Rwanda Head of Retail BankingFaustin Byishimo has over 10 years experience working with Banque Commerciale du Rwanda, (BCR) - one of the largest Commercial Banks in Rwanda. He has in-depth Strategic Management and operational experience that has been acquired through various roles that include; Finance, Internal Audit, Branches Operations and Business Development and since 2 years the Head of Retail Banking. His current role comprises of strategic business units such as; Retail Sales Management, Credit Management, Collections, Strategic Marketing and Products Development.

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

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

MEET OUR PRESTIgIOUS SPEAkER PANEl

Vinayak Pillai, SunTec Senior Vice President and Head of Sales, EMEAVinayak Pillai drives SunTec’s strategy, sales and business development. With over 17 years of projects, sales and marketing experience, Vinayak brings a fresh perspective to the dynamic requirements of the financial services industry. He is passionate of the pricing and billing domain, and has played a key role in evangelizing the concept to the financial services realm. Having worked with the world’s leading core banking solution provider, Vinayak has extensive experience in the sales of core banking platforms in Europe. An engineer by profession, he also has a Master’s Degree from one of India’s premier business institutions.Vinayak has had a successful track record of partnering with tier-one institutions across all geographies throughout his career. Under his leadership, SunTec’s flagship product TBMS-F is today directly involved with three of the world’s largest banking transformation/integration programs.

Mohamed SaloojeeSenior Retail Banking ExecutiveMohamed has been in the banking world for over twenty years, most of this time spent in executive roles within the Nedbank Group. He is described as an ‚Economic Soldier‘ and is passionate about contributing to a sustainable South Africa post apartheid and committed to making a difference in the lives of people. It is in this context that he has ensured that his expertise is in building lasting and sustainable solutions aimed at the unbanked and under-banked individuals and communities both in rural and urban geographies. Recognised as a specialist in transforming intelligence into insights, client value networks, client value propositions, innovative enablement and creative alliances he has held various executive roles in the industry. His career highlights spans from 1989 till present where he has been into research, community relations, stakeholder alignment, socio economic empowerment, business strategy re-engineering, private banking, consumer finance, and retail banking. He has worked with Interface Africa Public Affairs Consulting, Perm Bank, People’s Bank, Nedbank, Teba Bank and UBank.

kelechi Dozie, Pay4Me Services limited, Nigeria Managing DirectorMr Kelechi Dozie is a graduate of the University of North Carolina, Chapel Hill. In 2002, he started his career in the Commercial Banking unit of Broad Bank and later moved to Standard Chartered Bank, where he worked in Cash Management. In 2004, Mr Dozie joined Diamond Bank Nigeria PLC as an E-payments Associate where he rose to the position of Head of Payments. He left Diamond Bank in 2006 to become Chief Marketing Officer at Smartswitch, Nigeria. Until September 2009, Mr Kelechi Dozie was the Chief Marketing Officer and Acting Managing Director at Smartswitch Nigeria before proceeding to join Pay4Me Services Nigeria as the Managing Director in 2010. Mr Dozie is an alumnus of the University of North Carolina and Bimel University London. He has also attended various specialist and executive development courses in both Nigeria and abroad. He is an avid Tennis Player.“

guy Pearce, JD group, South Africa Chief Executive: New Business DevelopmentGuy is a graduate of both Commerce and Science. He is passionate about banking, an outcome of which has been the creation of over R1.1b in value over the last few years by growing revenue, decreasing cost or mitigating risk. He is a regular invitee to business and academic conferences around the world, thriving on peer review at the highest levels of commerce and academia. He is a proven global thought leader, having been interviewed by Newsweek for the Davos special edition, is a member of Stanford’s Who’s Who, and has been invited to be a Future Global 100 roundtable leader with some of the biggest companies in the world.

chidi Okpala, United Bank for Africa Plc, Nigeria Head of Group Retail Banking DivisionChidi Okpala holds a B.Sc Finance and an MBA from the University of Nigeria. He also has the Sloan Msc in Strategic Leadership and Management from the London Business School, one of Europe’s elite business schools. He has enjoyed a distinguished career of over 18years in Banking and Consulting; currently the Head of Retail Banking Division in United Bank for Africa Plc, overseeing Retail Banking business across 18 countries. While in Accenture between 1999 and 2001, he functioned as a Senior Consultant in Strategy. He is a Non Executive Director in CRC Credit Bureau and a Member of the Trade, Investment and Competitiveness Commission of the Nigerian Economic Summit Group (NESG). Chidi is a Chevening Scholar and a Fellow of the Nigerian Leadership Initiative.

Michael Schrader, Top Image Systems™ (TIS™), germany Managing Director: Europe, Middle East & AfricaMichael Schrader has served as the manager of TIS’s German operation since 2004. In this position, Mr. Schrader successfully established a solid operation with skilled sales and engineering teams able to respond to the demands of a highly competitive market, and develop superior standardized applications. Mr. Schrader has been with TIS since 1999, and has rapidly progressed within the company, serving as a software engineer, a technical team leader, an international strategic project manager and as the director of engineering for Europe. Prior to joining TIS, Mr. Schrader was a software engineer at Siemens and owned a Document Management consulting and development business. Mr. Schrader holds a B.Sc. of Business Engineering / Administration and is an Associate Engineer of Siemens Technical College.

clive Williams, Top Image Systems™ (TIS™), United kingdom Senior Vice President, Global BankingClive Williams joined TIS as Senior Vice President to lead the Global Banking Unit in November 2010. Clive has over 20 years of executive management experience in the banking and financial services market. Prior to joining TIS, Clive served with Misys International Banking Systems plc, a leading global application software and services provider to the Banking industry. At Misys Clive was a Senior Solutions Director for Enterprise Retail Banking, Wealth Management and Compliance and Risk. In that post Clive was responsible for Strategy, Development and Delivery of Misys’ solutions and related business activities. Clive also served as member of Misys’ Banking Solutions Operating Board and Strategy Council. Prior to joining Misys Clive held a number of Senior Management and Board roles at The Highams Group plc, a leading software and services provider to the international Banking and Insurance markets. His positions there included Group Business Development Director, and Head of Strategy and Divisional Managing Director. Before The Highams Group Clive was an Executive Director with The Enterprise Group Plc, an international Technology Services Group. Clive is a Chartered Engineer, Chartered IT Practitioner, a Fellow of the Institute of Marketing and holds an M.B.A from Henley Business School (HBS) in the UK.

Uchenna Okwodu, Bank PHB Plc, Nigeria Vice President | Group Head – eBusiness & Card ServicesUchenna Okwodu is the Vice President / Group Head – E-Business & Card Services at Bank PHB PLC. She has an extensive management experience that spans over 18 years, in strategic cross functional areas of banking. She designed, implemented and issued the first International Prepaid Card in Nigeria, and led the team that issued the first 10,000 International Cards in Nigeria. An expert in Card Business, Retail and Consumer Banking, with strong competence in dissecting business models and reconfiguring them to exploit growth opportunities. A recognized pioneer in the development of Electronic Banking in Nigeria with active roles in defining and implementing strategies for utilizing electronic services and channels to penetrate and develop new markets. Uchenna holds a Bachelor of Arts degree in English from the University Of Benin, she has an MBA (Marketing) from Esut Business School. She is a member of the Central Bank of Nigeria Electronic Payment Card Working Group. She is an Alumni of Senior Management Programme of Lagos Business School, and has attended various courses and Executive Programmes at

Columbia University USA, IDI Dublin Island, Visa Bankcard Business School Cambridge England, and Visa Bank Card Management School Virginia USA. She is widely travelled and speaks on International Conferences. Her day-to-day focus is on how over 140 million population in Nigeria can conveniently use cards as a means of payment.

Brian Richardson, WIZZIT, South Africa Managing Director and Chief Executive OfficerEducated at Wits with a BCom and an MBA. Currently a Founding Director and CEO of WIZZIT, a recently launched bank aimed at the unbanked and under banked segment of the population. WIZZIT was launched in November 2004 and in providing affordable banking to the mass market was the first to launch as part of its offering, cell phone banking that works across all the networks and all phones and SIM cards. WIZZIT solves not only an accessibility and affordability issue but from a convenience point of view offers 24/7 real time transactions and hence is “Your Bank in Your Pocket.” WIZZIT is recognized as the global pioneer in mobile banking. Brian is listed in Who’s Who of South African Business as well as the International Biography of Distinguished Leaders. He is an Ashoka Fellow – a global network of social entrepreneurs. He has lectured and presented at seminars and conferences throughout the world and was recently invited by the Clinton Global Initiative to present the WIZZIT model as a means to “Bank a Billion”. In South Africa, WIZZIT operates as a division of the South African Bank of Athens limited but we have launched mobile Banking in Zambia, Tanzania, Rwanda and Romania with other countries in the process of being finalised. Brian is married to an equally entrepreneurial wife and has 2 daughters and twin boys.

John Aldridge Payment ConsultantJohn has lived in Johannesburg for 20 years since moving from the UK. He has over 30 years marketing payment solutions, and branch applications have included cheques, credit cards, debit cards and EMV with roles at Hypercom and Schlumberger. This enabled him to set up Cybernet Korea operations in Africa and form his own company in 2003. This followed 12 years in the UK managing branch systems for Olivetti and Nixdorf. Experience with GPRS card terminals since 2003 enabled John to document his vision of Internet banking for the individual and have that vision approved by FICA – the SA Banking Regulatory Authorities. John graduated from Hertfordshire University in Computer Science, and through banking roles has kept at the forefront of payment technology initially in the 90s producing a paper showing how signatures can be reduced to 4 digits, and then an anti-fraud patent for magstripe cards. The FICA acceptance of his vision further confirms his grasp of payment technology.

SPONSOR PROFIlE

Platinum Sponsor: TN Bank ltdTN Bank is a Commercial Bank that provides its products and services as part of product bundles that include furniture manufactured by TN Harlequin Luxaire, telecommunications products offered by Econet Wireless, consumer goods sold by the Meikles Department stores, pharmaceuticals and medical insurance products distributed by TN Health Care and TN Medical Benefit Funds. It has a nationwide distribution network branded as Bank Malls that sell furniture, pharmaceuticals, and telecommunications products alongside banking services. It also has a presence in Meikles Limited Department Stores. Its banking model is based on delivering convenience to customers by enabling them to access banking services at the point of commercial activity.gold Sponsor: ITSITS Group has been the leading ICT solutions provider for Islamic banks and Islamic finance organizations for over two decades, and is a member of AAOIFI and IFX. The ITS Universal Islamic Banking solution is Shariah compliant, and specifically designed to fulfill the needs of the Islamic banking and finance sector. ITS‘s Universal Islamic Banking solution is based on the first „Islamic Instrument Definition Engine“ which allows Financial organizations to create their own Shariah compliant products, workflow, and processes. In addition, it is based on Service Oriented Architecture & is adopting IFX Massaging Protocol. The ITS Universal Islamic banking solutions cover Consumer Financing, Trade Finance, Retail Islamic Banking, Ejarah Card Product, Treasury/Investment, Internet Banking, Risk Management with BASEL II Compliance, and Banking Delivery Channels. ITS has a keen understanding of what its customers really need from an ICT partner; in short, to enable technology utilization in order to allow your business to grow. ITS implements cutting edge solutions for numerous valued clients in the Middle East, North African and East Asian regions, through our resource pool of over 2400 skilled IT professionals based in 24 offices worldwide. For more information, please visit: www.its.wsSilver Sponsor: Pay4Me Services limitedPay4Me is an E-commerce solutions provider that delivers payments and collection solutions via its products: E-wallet, Pay4me Mobile, Pay@Bank & Pay4Bill. Pay4Me is currently deploying solutions that target online retail commerce and rural branchless banking and Money Transfer. Pay4Me is currently expanding into Africa and international PartnershipsSilver Sponsor: Top Image Systems™ (TIS™) Accelerate your document-driven business processes. Top Image Systems™ Ltd (TIS™) is a leading global provider in the Enterprise Content Management (ECM) solutions market. We provide you with the technology to automatically transform any information entering your organization into useful and accessible electronic data, delivering it into the applications that drive your business. eFLOW™ is our powerful, proven and homegrown technology that has earned a reputation for its innovative ‘One platform. Multiple choices’ approach. eFLOW offers customers modular or comprehensive solutions to best meet their specific industry and business process needs.Silver Sponsor: SunTecSunTec (www.suntecgroup.com) is a leading provider of Relationship-based Pricing and Centralized Billing solutions for Banking, Financial Services & Insurance (BFSI), and convergent charging and billing solutions for Communication, Media & Entertainment (CME) and other industries. Our products and solutions provide a comprehensive platform for measuring and monitoring end-to-end transaction value and profitability at various levels. Our pricing and billing platform for the BFSI vertical - the TBMS-F suite - has been deployed for global leaders in the financial services realm, such as HSBC, ICICI, ING, Lloyds Banking Group, Axis Bank and DBS. Bahrain Telecom and Dubai Port World are among our clients in other verticals.

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

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