dunia corp brochure

Table of contents

> From the CEO’s desk 4

> About us 6

> Our shareholders 7

> Our philosophy 10

> Our Credo 11

> Our unique value proposition 14

> What makes us unique 22

> The ‘dunia difference’ 23

> Make the right moves with dunia 29

> Dunia@work 40

> Dunia touch points 41

> Our people 43

> Dunia Cares... “Save the future” 45

> Taking a closer look... 48

> Dunia press room 49

> Dunia brand 51

> Dunia ad gallery 52

> Our board of directors 53

> Our management team 57

03

Changing the way people see and experience life

Welcome to dunia, a world of financial opportunities...

Dunia means ‘the world’ in Arabic and in several other languages spoken in the UAE, and Dunia aims to

offer its customers a world of opportunities.

As a brand, dunia was conceived for one overarching purpose.... To care for and make a difference in

the lives and future of our customers. We provide financial products and services that empower people,

enable success and enrich lives.

Dunia has introduced a new way of looking at the relationship between customers and financial

institutions and created a business model that has the consumer at the center of its universe. We are

an organization that understands, engages and delivers financial solutions to consumers through need-

based segmentations of the market, engendering stability, financial security and confidence.

We recognize the need to go back to the traditional banking basics of being true to the customers

promise, going the extra mile for our customers and building a spirit of teamwork and passion to deliver.

Dunia provides a holistic financial solution catering to customers’ transactions, savings, borrowing and

protection needs. We offer a wide range of products and services ranging from loans, to credit cards,

deposits for non-individual customers, and working capital facilities for small businesses. All this is backed

with world class systems, technology, processes and infrastructure to ensure a unique and consistent

customer experience at all times and at all touch points.

I welcome you once again to dunia, and assure you of our best services at all times.

With my best personal regards,

Rajeev KakarExecutive Director & Chief Executive Officer

Dunia Finance L.L.C.

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From the CEO’s Desk

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Together we grow stronger

About us

Dunia means ‘the world’ in many languages and we offer our customers a world that serves from the

heart… where experience, knowledge and commitment create financial solutions that are relevant and

effective. We speak more than 30 languages and we understand our customers’ needs and aspirations

in all of them.

Dunia Finance L.L.C., known as dunia, is the latest entrant in the financial services field. Dunia is a finance

company that was created as a strategic partnership between Mubadala Development, Waha Capital,

A.A. Al Moosa Enterprises, and Fullerton Financial Holdings (a wholly owned subsidiary of Temasek

Holdings). Dunia currently has capital of AED 586 million.

Dunia has a unique customer-centric and segmented approach that aims to first understand customer

needs and then offer relevant financial solutions. Dunia offers a wide range of financial products and

services ranging from loans, to credit cards, deposits for non-individual customers, and working capital

facilities for small businesses.

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Our shareholders

Fullerton Financial Holdings

Fullerton is a financial services investment

holding company. It is a wholly owned subsidiary

of Temasek Holdings, with shareholdings in

several banks and financial institutions

spanning across countries, and also controlling

management influence in Bank Danamon in

Indonesia, Fullerton India Credit Corporation,

Fullerton Securities Wealth Advisors, Alliance

Bank in Malaysia and NIB Bank in Pakistan.

As a long-term strategic investor, Fullerton has

a flexible and creative investment philosophy

and is committed to growth and stability of

its investee institutions over the long-term

horizon. Fullerton supervises and guides its

investee institutions to achieve the highest

risk-reward balance and create shareholder

value by differentiating through great people,

unique relationship business models and

disciplined execution.

www.fullertonfinancial.com

Mubadala Development Company

Mubadala is a leading business development

and investment company based in Abu Dhabi.

At the core of its strategy, Mubadala makes

long-term, capital intensive investments to

deliver strong financial returns and economic

diversification. Its mandate is to transform

the Emirate from a single-sector economy,

driven predominantly by oil and gas, into a

multi-sector global economy that comprises a

range of thriving industries.

Mubadala is rigorously analytical in its selection

of investments and partners, whether it is

investing in established businesses such as

Carlyle Group and Ferrari or creating new

ones by partnering with leading international

organizations like Cleveland Clinic.

www.mubadala.ae

07

Waha Capital

Waha Capital is an Abu Dhabi Securities

Exchange-listed and Abu Dhabi-based diversified

investment holding company, created by

restructuring Oasis International Leasing

Company PJSC. Waha Capital has adopted a

clear vision and strategy to drive multi-sector

business growth and diversification through

acquisitions, joint ventures and creation of

new businesses. Its current business portfolio

includes big-ticket leasing, financial services,

maritime and property development. Waha

Capital’s main institutional shareholders are

Mubadala Development Company and Abu

Dhabi Investment Company.

www.wahacapital.ae

A.A. Al Moosa Enterprises

The Al Moosa Group, also more familiarly known

as the Arenco Group, is one of the leading and

prominent local business groups in the UAE,

with business interests spanning real estate,

hotels, architectural design, manufacturing,

services and trading. Set up in 1971, the group

has its corporate headquarters in Dubai, with

business interests in all emirates and beyond.

The group continues to rapidly grow in its

various businesses as a service oriented group

and looks forward to its diversification into

financial services through its interest in Dunia

Finance L.L.C.

www.aaagroup.com

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09

Striving for a simple, friendly and trustworthy service

Our philosophy

Dunia VisionWe care and make a difference in the lives and future of our customers.

At dunia, our customers are at the center of all that we do. Our commitment is realized by listening to and understanding customer needs. We design and deliver tailor-made financial solutions.

Dunia Mission We aspire to serve all our customers by delivering quality products and excellent service, therefore financially empowering our communities and partners, and creating long-term and sustainable shareholder value.

Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.

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Our Credo We Believe in...

We serve our community by respecting their traditions

and enriching their lives through our work, spirit of

volunteerism and resources. We are a responsible player

and believe action is better than words.

Customer commitment

Serving the Community

Striving for excellence

Integrity & Ethics

Value of our people

We proactively reach out to our customers and build

meaningful relationships which make a positive impact in

their lives. Our commitment is realized through listening &

understanding their needs, and in the design and delivery

of quality products and services. We treat them fairly and

with respect.

We have a passion to excel and strive for excellence in all

that we do. We succeed when we have exceeded customer

expectations. We encourage creativity and innovation

and always “THINK BIG” to maximize our potential.

We have empathy, mutual respect, trust and unconditional

support for each other. We recognize the leadership

potential in every individual and provide opportunities to

learn and grow. We are a result oriented team and work

together to achieve our goals and ‘enable success’.

Integrity and ethics are the core of our value system

and embedded in all that we do. We uphold dunia’s

reputation with pride, and conduct our business with all

stakeholders, customers and regulators with the highest

ethical standards, and transparency. We are accountable

for our actions.

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12

Understanding your needs and requirements with sincerity

Our unique value proposition

Dunia means ‘the world’. You mean the world to us.

Come to a world that serves from the heart…where experience, knowledge and commitment create financial solutions ideally suited for you. We speak more than 30 languages and we understand that your needs and aspirations are different. At dunia, we offer you unbiased and tailor-made complimentary financial planning that opens new opportunities.


We want to provide a wide range of customized financial solutions through superior products, service and relationship experience based on respect, with easy access through an empowered Relationship Manager, alternative access channels for convenience and speed, in order to provide for a better life-style and future for yourself and your family.

Why choose dunia?

dunia on-line, and ATMs on the MasterCard Worldwide network

Explore the options dunia offers you…

For detailed information on dunia please visit www.dunia.ae

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You have built your business with passion. Now duniatrade aims to serve your complete business and

personal financial needs with similar passion… so you can always stay ahead.

At duniatrade, we offer you and your staff a wide range of customized business and personal financial solutions. Whether personal loans, credit cards, deposits for your business or tailor-made financial planning services, we can assist you in growing your business and managing your personal finances. Our trained and certified duniatrade staff speak more than 30 languages.


We aim to be a caring community-based financial services provider designed specifically to serve you through a superior relationship experience, empathy and respect, and with convenient, fast and easy access to credit.

Why choose duniatrade?

financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network

Explore the options duniatrade offers you with …

financial planning

fixed deposits to maximize your returns on your business funds

For detailed information on duniatrade please visit www.dunia.ae


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At duniamoney, we believe in going the extra mile just like your friends would do for you.

Our friendly Relationship Manager is waiting to serve you and offer you unique tailor-made solutions just for you. So whether you need to send money to your family, buy your dream house back home, educate your children, or need some extra cash, duniamoney is here for you.


To offer a community-based, superior service and relationship experience based on empathy and respect, while giving you access to easy credit, simple savings products, to meet your simple financial needs, in order to help you provide for a better future for yourself and family back home.

Why choose duniamoney?

dunia on-line, and any ATMs on the MasterCard Worldwide network

Explore the options duniamoney offers you with …

For detailed information on duniamoney please visit www.dunia.ae

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At duniagold, we believe in taking the time to listen and understand your needs and offer you tailor-

made financial solutions to meet your needs comprehensively.

We understand that a person like you has unique needs. Our personalized approach is simple and innovative. We offer a wide range of transaction, deposit, borrowing, saving and protection solutions to meet your sophisticated needs. Starting with the dunia ‘no obligation’ financial planner, we open the door to a world of opportunities.


To be a provider of customized and tailor-made solutions that cater to your unique financial and lifestyle needs. We help you achieve your aspirational goals by providing a wide range of financial products and services and we deliver these with exceptional service and convenience through a single point of contact.

Why choose duniagold?

dunia on-line, and any ATMs on the MasterCard Worldwide network

Explore the options duniagold offers you with …

For detailed information on duniagold please visit www.dunia.ae

What makes us unique...

Dunia offers a new concept in financial services that is unique and differentiated in the UAE. Dunia has built and is delivering a differentiated, customer-focused financial institution that serves the needs of the different customer segments. The entire dunia business model caters to specific customer needs identified through extensive market research. With this relationship-based model, dunia is a holistic financial solutions provider in the UAE market, for a multitude of consumer segments and financial needs.

Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.

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The ‘dunia difference’

Self-employedMass Market

Mass Affluent

SalariedMass Market

Focus Segments

SME

Affluent

Commercial

Corporate

e

gg

Product

or

Price / return

Fo

e

er

Convenience

we

Service (Hard)

Experience (Soft)

Customer Relationship

Segment Financials

Analytics

Sales & Distribution

MarketingOperations

Collections & Rehab

Credit & RiskPeopleTr Competent

Responsive

Fair

Process

eResponsive

freeTiCompetent

Productsrange

fe tage

Re

ss

Rule EngineBusiness

Rules

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Acquisition Mix, Ticket sizeX-sell opportunityLead generation

Customer lifetime valueLine increase programs

RevenueEffectiveness:Grow thetop-line

ResponseIncreaseefficiency

Data Warehouse

StrategicAnalytics Unit

RiskMinimizelosses

Minimize Expenses,Unit Costs, Expense / ANR

Turn around time,Approval rates,

Error rates

Identify high risk segments- focus areas for credit & collections

Loss absorption capacity,Application & Behaviour scoring

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Lead a healthy life with a balanced financial plan

Just like a balanced diet keeps you healthy, a balanced financial plan helps ensure your financial health…

At dunia, we understand that every person is different and has different needs and hence, we can assist you in developing a customized plan for you that outlines the road to reaching your long-term financial goals and securing a brighter future for you and your family.

This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a FREE financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to take advantage of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor.

Your dunia planner is designed to offer you an illustrative and unbiased tailor-made plan, addressing your personal goals and aspirations through the different stages and milestones of your life. This illustrative plan helps you answer some key questions….

Make the right moves with dunia

This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a financial planning tool made available to assess your needs, and identify suitable

products to invest in. You can use the financial planner to avail of the specific product of any provider of your choice and be guided by appropriate advice by your

investment advisor. Dunia does not facilitate the purchase of investment products and undertakes no liability or responsibility for the dunia planner provided.

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Offering a world of financial solutionsto meet your unique needs

Platinum, Gold and Silver Cards

Key benefits1 and rewards

2 benefits with coverage up to $30,000

1

the sole discretion of Dunia Finance L.L.C. 2Insurance products are offered through third party providers, currently AIG. Dunia simply facilitates the provision of insurance

products to its customers and processes payments of premium from the customers and forwards them to the insurer. Terms and conditions apply and are subject to change

without prior notice and are available upon request. For the current terms and conditions visit www.dunia.ae. Credit card and loans are provided at the sole discretion of

Dunia Finance L.L.C.

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Credit cards from dunia

Car Loans Corporate DepositsEducation LoansCredit Cards Personal Loans Durable Good Loans

Dunia gives you the freedom to tailor make your loan to match your unique needs, at attractive interest rates and the tenor of your choice. Whether you need a loan for your child’s education, to renovate your home, to enhance your business or for that dream vacation, dunia is the place to go.

Key benefits

personalized service and unique tailor-made solutions

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Personal loans from dunia

Terms and conditions apply. Loans are provided at the sole discretion of dunia.

Car Loans Corporate DepositsCredit Cards Personal Loans Education LoansDurable Good Loans

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Durable good loans from dunia

If you are dreaming of a fabulous home theatre or a

new laptop or planning to buy new furniture for your

home or office, dunia will provide you with the most

convenient way to realise that.

Key Benefits

conveniently located near you

better terms our customers get

provides personalized service and unique tailor-made solutions

Car Loans Corporate DepositsCredit Cards Durable Good LoansPersonal Loans Education Loans


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Education loans from dunia

Dunia cares and can help you take your education

further. This is why dunia has a dedicated higher

education loan to enable you to do exactly that.

Key benefits

flow needs


provides personalized service and unique tailor-

made solutions

Car Loans Corporate DepositsCredit Cards Education LoansPersonal Loans Durable Good Loans


DUNIA@SCHOOL

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Car loans from dunia

Dreaming of buying a new car or upgrading the

one you have? With attractive finance options from

dunia, owning your dream car is now easy. Drive

away your dream car with a dunia car loan!

Key benefits


provides personalized service and unique tailor-

made solutions

Corporate DepositsCredit Cards Personal Loans Durable Good Loans Car LoansEducation Loans Corporate DepositsCredit Cards Education LoansCar LoansPersonal Loans Durable Good Loans


You can also

get a car cash-in

loan TODAY!

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Corporate deposits from dunia

With dunia’s corporate fixed deposits you can maximize your returns on your business funds. You can earn higher interest rates than a current account, and it‘s a simple and safe way to invest money.

Key benefits

Car LoansEducation LoansCredit Cards Corporate DepositsPersonal Loans Durable Good Loans

Terms and conditions apply.

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Offering unmatchedbenefits, rewards and privileges for your staff

Dunia@work

Dunia brings you the world of financial opportunities… right to your workplace! Dunia@work program enables your employees to benefit from the strength of your organization. We offer your staff and your organization financial solutions ranging from corporate deposits to personal loans, durable good loans, auto loans, credit cards and financial planning... all bundled with unmatched discounts, unique rewards, exciting privileges and exclusive terms for your organization.

Key benefits

personalized service and unique tailor-made solutions at your door step

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Corporate DepositsCredit Cards Personal Loans Durable Good Loans Car LoansEducation Loans Car LoansCar Loans Corporate DepositsCredit Cards Personal Loans Durable Good Loans

Terms and conditions apply. Credit cards and loans are provided at the sole discretion of dunia.

Dunia touch points

24-hour dunia contact center on 04 42-dunia (38642)

Dunia online

www.dunia.ae

Visit us at our financial centers

Walk in to your closest dunia financial center. To locate the nearest dunia branch to you visit www.dunia.ae

Email us

Write to [email protected] and a dunia representative will get back to you

Anytime... Anywhere...

Personal Loans Durable Good Loans Car LoansFinancial Centers Car LoansE-mailDunia on-line WebsiteDunia contact center

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DiversityWe believe in diversity, equal rights and creating an open,

nationalities and our people speak more than 30 languages.

Human capitalWe believe that people are a key pillar of our strength and will set us apart and continually provide our customers with a service beyond their expectations. We have selected top talent from around the world, based on their potential, energy, passion, and entrepreneurial enthusiasm.

Commitment Each and every employee plays a critical role in the success of our company. It is therefore our endeavor to provide individuals with a great place to work where they can build lasting relationships, and where talents are recognized, encouraged and rewarded. Most importantly, dunia will be a place where people can learn, grow and have fun.

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Our people are our key strength

Training and certification

When people join us, they are enrolled into the dunia academy, which is our center of excellence for learning and development, and enrolled in a curriculum designed for their specific role. They are involved in team work, online and classroom training and they are supported by a dedicated Training & Development Team.

At dunia, we help individuals add to their learning & skills and nurture their individual talents through engagement, structured learning and mentoring, and by giving them the opportunity to take ownership of their development. We believe in providing learning in a range of styles that best suit each individual’s needs and preferences.

‘Kawader’ program

As a responsible corporate citizen, dunia is committed to a attracting, recruiting, training and developing talented UAE nationals.

Dunia offers a variety of full-time and part-time programs for UAE nationals to help develop their skills and gain exposure to global best practices.

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Dunia Cares... “Save the future”

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Dunia Cares vision

To care and make a difference in the lives and future of our community.

Giving back to the community is at the core of dunia’s values and beliefs. We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.

SAVE THE FUTURE

Empower Enrich

CUSTOMER YOUTH AUTHORITIES DUNIA TEAM

EDU

CATI

ON

Shape

the Future

Save

for Future

HEA

LTH

Safe

in Future

ENV

IRO

NM

ENT

Preserve

the Future

EXPERTISE REGULATORY SOCIETY INDUSTRY CUSTOMER STAKE HOLDERS

Products Services

Enable

SOCI

AL

RESP

ON

SIBI

LITY

Through our spirit of

volunteerism, we serve our

community, respect their

traditions and enrich their

lives. In big and small

ways, we do what we can

to make a difference

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Dunia ‘Speak Easy’ English Language Program

March ‘09 - As part of our Dunia Cares programme, our commitment is to empower our community

through education. Dunia launched this program which is aimed at empowering office helpers, security

guards, drivers and messengers with basic conversational English skills. The program has 31 students in

the first batch. Dunia staff were instrumental in making this program a success by preparing the course

material and delivering the weekly sessions to students.

Pink Walkathon

November ‘08 - Breast cancer is the most common form of cancer among women in the UAE. Dunia

employees participated in the Pink Walkathon to raise awareness for this disease and support the cause

by collecting funds that went towards cancer relief programs.

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Taking a closer look...

Blood Donation Drive

January ‘09 - We believe in promoting wellness, and doing what we can to help one another - especially

if we can help save lives. To do this, we partnered with blood banks across Dubai and Abu Dhabi to

encourage staff and public to donate blood. Dunia and the local community supported the cause

and made a big difference as over 140 donors came to the event and gave blood. This initiative was

recognised by the Government’s Department of Health & Medical Services who recognized dunia’s

contribution and support.

Special Needs Center Fun Bazaar

November ‘08 - The Special Needs Families Center aids young adults with special needs. Dunia worked

hand-in-hand with the Center to hold a Fun Bazaar fund raising event whereby dunia staff took part in

various activities to make it a successful event. Over AED 100,000 was raised at the event.

Shoe Box Appeal

October ‘08 - Dunia held a week long event in an effort to collect essential daily items for construction

workers It was an organization wide effort as employees were split into 5 teams, each competing to

collect the most items. In this friendly contest and fun event, the team managed to collect over 3,300

items that were later distributed to construction workers, putting a big smile on their faces.

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Dunia press room

Hend Al Ali, HR Manager - Dunia was recently honoured with the “Emiratization Champion” award by the Government of Dubai. Nov ’08

Rajeev Kakar, Executive Director & CEO - Dunia (center) being given the award by Nigel Rodrigues, CEO - CPI Financial (right) and Robin Amlot, Managing Editor - CPI Financial (left). Jun ’09

Rajeev Kakar, Executive Director & CEO - Dunia (left) receiving the award from HH Ruler of Sharjah, Sheikh Dr. Sultan Bin Mohammed Al Qasimi. May ’09

Special recognition for supporting and developing UAE talent

Dunia awarded Banker Middle East Industry Awards 2009

for ‘BEST USE OF TECHNOLOGY’

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Dunia well positioned as a responsible lenderGulf News, May 2nd, 2009

Positive outlook from DuniaEmirates Business 24x7, April 8th, 2009

Ministry of Finance and Dunia Finance sign agreement to perform bank guarantee E-registration serviceAl Itihad, June 24th, 2009

Dunia confirms opportunities in UAE market despite the crisisAl Itihad, June 28th, 2009

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Brand Philosohpy

Our ‘can do’ attitude and positive approach to finance will make every aspect of banking simple. Moreover, we are dedicated to becoming the most trusted and accessible financial brand on the market, via our extensive branch network and dedicated staff.

What does dunia mean?

Dunia means “the world” in several languages (Arabic, English, French, Russian, Tagalog, Hindi, Malayalam, Tamil, etc.) spoken in the UAE and the world. Dunia will mean ‘a better world’ to the millions of people that we serve.

Brand Beliefs

We believe that all individuals, regardless of race, gender, nationality or social status have the right to be treated with respectWe believe in constantly providing relevant services & incentivesWe believe simplicity can be achieved in financeWe believe in being part of the communities we serveWe believe a positive attitude will show across all our departments and put a smile on our customer’s face

Dunia brand

Dunia ad gallery

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Our board of directors

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Salem Rashid Al NoaimiChairman

Salem Rashid Al Noaimi is CEO of Waha Capital PJSC. Salem

was previously the Deputy CEO of the company and CEO of

Waha Leasing, a wholly-owned subsidiary of Waha Capital.

Prior to that, he worked in the investments department of

Dubai Islamic Bank. His previous work experience includes

stints at Dubai Islamic Bank, UAE Central Bank, the Abu

Dhabi Fund for Development and Kraft Foods. Salem

holds a Bachelor’s Degree in Finance and International

Business from the Northeastern University in Boston, USA.

Currently, Salem holds board directorships of several local

and regional companies such as Abu Dhabi Ship Building, Siraj Finance, Mena Infrastructure Fund

and Bahrain’s Addax Bank.

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Rajeev KakarExecutive Director & CEO

Rajeev is the Executive Director and Chief Executive

Officer of Dunia Finance, headquartered in UAE. He is

also concurrently the Regional CEO for the Central Europe,

Middle East and Africa (CEEMEA) region for Fullerton

Financial Holdings (FFH), and the Executive Vice President

& Senior Global Management Committee Member of FFH

in Singapore. In this role, he heads Consumer Banking for

all of Fullerton’s Bank & Financial Services Operations,

Investments and Holdings, across the globe. Rajeev is

a Director on the board of Fullerton Securities Wealth

Advisors (FSWA), headquartered in India and was also an Independent Director on the Board of

Visa International for the CEEMEA region, between July 2004 and February 2006. Until January

2006, he was the Regional Head & CEO for Citibank’s Global Consumer Bank, managing the

Turkey, Middle East and Africa region, based out of Dubai. Rajeev has more than two decades

in the banking industry in various senior and diverse business and functional roles across various

geographies. Rajeev has an MBA with a major in Marketing and Finance from the Indian Institute

of Management (IIM), Ahmedabad, India and graduated in 1987. He also has a Bachelor of

Technology in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.

Khaled Abdulla Juma Al QubaisiDirector

Khaled Abdulla Al Qubaisi is Senior Advisor, Acquisitions

at Mubadala. He is also currently Managing Director of

Tabreed and sits on the Tabreed Board of Directors. Khaled

joined Mubadala from International Capital where he was

the Chief Investment Officer. Prior to International Capital

he was Head Corporate Finance & Business Development

at National Bank of Abu Dhabi where he was responsible

for advising companies on funding requirements, placing

debt and equity, and structuring investment products

for the Bank’s retail and private banking division. Khaled

currently sits as Chairman of the National Health Insurance Company ‘DAMAN’ and is a board

member of International Fish Farming Company ‘ASMAK’, Manazel Real Estate Company as well

as the National District Cooling Company ‘Tabreed’, and has been a member of the Chartered

Financial Analyst Institute since 2003. He holds a BA in Finance and Operation Management from

Boston University and an MSc from George Washington University in Washington, DC.

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Francis RozarioDirector

Francis Rozario is the Director of dunia, and CEO of Fullerton

Financial Holdings Pte Ltd. Prior to his current appointment,

he was the President Director of Bank Danamon in Indonesia

where he spearheaded the successful transformation of the

Bank into a major all-purpose financial services provider in

the local market. Rozario is presently the Chairman of NIB

Bank Ltd (Pakistan), Fullerton India Credit Company (India)

and Fullerton Enterprises Pvt Ltd (India). A veteran banker,

Rozario spent close to 30 years of his career with Citigroup

International. In his last appointment at Citibank, Francis

was based in London as the Global Head for Commercial and SME Banking. He holds a Bachelor’s

degree from Sydenham College of Bombay University in 1974. He also attended the Program for

Management Development at Harvard University in 1987.

Dr. Ahmed Khalil Al-MutawaDirector

Dr. Ahmed Khalil Al-Mutawa is a respectable academic

professional, as he progressed in his academic career since

he held his B.A. in Economics from Cairo University in 1978,

M.A. in Economics from University of North Carolina in 1981,

and Ph.D. in Economics (with Distinction), Georgetown

University, Washington, D.C. in 1991. As a professor, he held

the position of the Chairman of the Economics Department,

and in 1997 became Deputy Vice Chancellor for Planning

(DVCP), United Arab Emirates University. H.E. Dr. Al-Mutawa

had occupied many important positions, among which:

Head of Teaching Assistants; Executive Director, Al-Mustaqbal Economic & Strategic Consultations;

Strategic Development Director at MMI, Deputy Vice Chancellor for Planning (DVCP), United Arab

Emirates University. His latest position has been Secretary-General of Gulf Organization for Industrial

Consulting. Dr. Al-Mutawa has been member in many Associations, Organizations and Boards of

Directors on both local and international levels. Recently, he won the award for industry CEO of the

year 2005. He has contributed many publications, papers, research and studies.

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Our management team

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Barlas BalabanerOperations Head

Barlas has worked in the Banking Industry for almost 22 years, in various

geographies such as Australia and EMEA, and has diverse experience

in both Consumer and Corporate Banking Operations / Technology

Management and M&A projects in the areas of Infrastructure startups,

Branch Network expansion, Data Center Operations, Technology

Organization Management, Quality Assurance, Productivity, Financial

Control, and Customer Service Excellence. Barlas’s last assignment

prior to joining Dunia was the Operations and Technology Director

for Citibank’s Global Consumer Bank, in Turkey and Executive Board

Member of Citibank A.S.

Rajeev KakarExecutive Director & CEO

Rajeev is the Executive Director and Chief Executive Officer of Dunia

Finance, headquartered in UAE. He is also concurrently the Regional

CEO for the Central Europe, Middle East and Africa (CEEMEA)

region for Fullerton Financial Holdings (FFH), and the Executive

Vice President & Senior Global Management Committee Member

of FFH in Singapore. In this role, he heads Consumer Banking for

all of Fullerton’s Bank & Financial Services Operations, Investments

and Holdings, across the globe. Rajeev is a Director on the board of

Fullerton Securities Wealth Advisors (FSWA), headquartered in India

and was also an Independent Director on the Board of Visa International for the CEEMEA region,

between July 2004 and February 2006. Until January 2006, he was the Regional Head & CEO

for Citibank’s Global Consumer Bank, managing the Turkey, Middle East and Africa region, based

out of Dubai. Rajeev has more than two decades in the banking industry in various senior and

diverse business and functional roles across various geographies. Rajeev has an MBA with a major

in Marketing and Finance from the Indian Institute of Management (IIM), Ahmedabad, India

and graduated in 1987. He also has a Bachelor of Technology in Mechanical Engineering from the

Indian Institute of Technology, New Delhi, India.

58

59

Mariam ElsamnyMarketing & PR Head

Mariam Elsamny is a double MBA holder from University of Chicago

(2008) and from the American University in Cairo (1997). Her latest

role, prior to joining dunia was with Citibank, UAE as Marketing &

Product Head handling the bank’s retail products (for both Mass

Market & Affluent segments) and Marketing Communication &

Internet Channel for the bank. Mariam has handled several key start-

up businesses during her 9 year stint with Citibank - Citibank Egypt,

UAE and Russia. Mariam began her career with Procter & Gamble in

Marketing where she gained a solid marketing foundation.

Raman Krishnan Chief Risk Officer

Raman joins us with more than 20 years of rich banking experience

across India, Singapore and Indonesia. Prior to joining dunia, Raman’s

Bank, Indonesia (a joint venture between Standard Chartered Bank

and Astra International, an Indonesian conglomerate) since November

2005, where he was overseeing Credit, Market and Operational

Risks across the Bank. Before joining Permata Bank, Raman was

heading the Business Risk Review for the Consumer Banking Group of

Standard Chartered Bank based in Singapore. Raman completed his

Post Graduate Diploma in Management from Indian Institute of Management, Calcutta in 1987.

Raman is also a qualified Chartered Accountant from Chennai, India.

Sanjay KaoConsumer Business Head

Sanjay brings a wealth of experience and proven results in consumer

banking across products and in multiple markets. Most recently,

he was the Head of Consumer Finance for RBS Asia, responsible

for China, Taiwan, Hong Kong, Singapore, Indonesia, Malaysia,

India and Pakistan. In this role, he led the Asia Strategy and P&L

streamlining following the RBS acquisition of the ABN AMRO

franchise. Prior to this, Sanjay held senior leadership roles with

Citibank in Asia Pacific, based in Singapore and Indonesia as well

as positions in India, Thailand and Egypt. Sanjay has also worked

in the UAE during 2001 to 2003, when he held the position of Head of Marketing with Mashreq

Bank. Sanjay started his career with Unilever India as a management trainee, and took on sales

and marketing roles during his 7 year stint with them. He holds a Business Management Degree

from the Indian Institute of Management, Calcutta.

60

Ali HurbasStrategic Analytics Head

Ali started his career at AT&T Universal Card Services in Florida, US

in 1995, where he held various roles in Finance, Marketing and card

analytics. In 1999, he joined First USA Bank, now JP Morgan Chase,

as the Credit Policy Head for card acquisitions, in Delaware, US. In

2000, he returned to Turkey, joining Citigroup as the Credit Policy

Head. This involved formulation of the credit policies for the business.

Subsequently, Ali moved to the Strategic Analytics Unit of the bank.

Prior to joining dunia, Ali was with Citibank N.A. where he was

Strategic Analytics Head for the Middle East region and responsible

for consumer banking analytics, covering UAE, Bahrain, Egypt and Pakistan, based in Dubai. Ali

has an Industrial Engineering degree from Bogazici University and an MBA from the University of

Virginia’s Darden School.

Hend Al-AliHuman Resources Manager

Hend has over 9 years of experience in the HR field. Prior to joining

dunia, Hend was the HR Recruitment Manager at Citibank, UAE for

several years where she successfully carried out the Emiratization

program, which was highly appreciated by the government

authorities. Before joining Citibank, Hend also worked in Mashreq

Bank - Human Resources. She was running the Bank’s recruitment

programs: Al Tumooh, Graduate Trainee program, Summer Learning

program, Core Time and Al Mashreq Al Mutamyez and other work

based learning schemes. Hend started her career with GASCO in Abu

Dhabi in 1999, after completing a Bachelor in Information Technology from Higher Colleges of

Technology from Dubai Women’s College. Hend was awarded the Dubai Human Development

Venu ParameshwarChief Financial Officer

Venu has about twenty years of experience in the banking industry in a wide range of functions and countries including India, Australia, Korea and the UK. His previous roles include Portfolio Risk Manager

the Consumer CFO for the EMEA region for Citigroup where he was responsible for the finance function across Citigroup’s consumer business in Western and Central Europe and the Middle East. Venu is an Economics Graduate from the University of Bombay following which he completed his Masters in Business Administration from the Indian Institute of Management, Ahmedabad. He is also a Fellow member of the Institute of Chartered Accountants of India.

61

Monindra GroverHuman Capital Head

Monindra has over nineteen years of broad based experience in HR generalist and leadership positions with leading Fortune 100 companies like MasterCard, Citibank, Johnson & Johnson, Glaxo Smithkline and British Petroleum in diverse regional roles covering the Middle East, Africa, South Asia and Central Asia. His previous position was as Vice

Middle East and Africa region at MasterCard International. Monindra is an Economics graduate from Delhi University and holds an MBA from the Xavier Labour Relations Institute (XLRI), India.

Anthony D’Souza

three decades of rich and varied work experience across various

regions and geographies. Until April 2006, Anthony was with Trans

first from July 1990-June 1995 as

external consultant on treasury, global asset management and risk

62

Dhruv Panchal

the banking and fi

years stint with Citigroup Dhruv has successfully led the technology

startups for the new Citibank Franchises in Central/Eastern Europe

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