General Manager Risk Management

EMAD EL SAHHAR

Islamic Banking Executive

Villa *, Green Valley Compound – 12568, Cairo – Egypt

H +20-114-***-**** B ****-**@*******.***

Executive summary

I would like to introduce an innovative Islamic Banking model that would help reshape the financial industry worldwide and bring the benefits of Islamic Banking to Conventional Banking. Past Experience

Banque Misr Cairo, Egypt

General Manager, Islamic Banking Sector 01/2010 – 01/2015 In charge of Tailoring and Implementing a comprehensive 5 year strategic plan to re-launch the Islamic Sector at Banque Misr.

Detailed achievements:

{ Utilized pre-existing infrastructure within the conventional bank to perform cost management in areas that do not conflict with shari’a

{ Enacted a new organizational chart that ensured a solid balance between revenue, quality of service and risk management

{ Decentralized and opened communication channels to allow for easy and effective communication between all levels and teams, resulting in mitigating change resistance and increased participation in a employee suggestion scheme (33% to 47%)

{ Performed crisis management after the 2011 revolution which resulted in a revenue reduction of only -9.5%

{ Expanded the corporate segment through increasing the number of corporate branches from 1 in 2010 to 14 in 2014

{ Developed the following products for the Egyptian Market:

- Banque Misr’s Islamic Credit Card (Kenana) with 3000 sales first six months

- Car Murabaha from Banque Misr with sales of 120m EGP in 30 months

- Preparing to launch an innovative and socially responsible micro and SME finance program that builds win-win partnerships between BM and key corporate clients who are interested in developing their CSR profile

{ Envisioned and Directed revamping efforts throughout the bank which resulted in:

- Increase of 357% in Retail corporate finance facilities from 284m EGP In 2010 to 1.3b EGP in June 2014.

- Deposits increased 46% from 17.7b in 2010 to 26b in 2014

- Increased revenue from 13.9m in 2010 to 106.5m in 2014 (-9.5%,+13%,+170%,+177% in years 2011, 2012, 2013 and 2014 respectively)

{ Improved branch rankings through the implementation of effective MBO and clear KPIs, increased top band branches from 1 in 2010 to 26 in 2014

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Cairo University Cairo, Egypt

Visiting Lecturer, Post-Graduate Finance studies department 09/2012 – 12/2014 Created and Instructed a curriculum for post graduate students on the principles of Islamic Banking, and how to think outside the box while considering both profitability and social responsibility. Topics instructed on included:

{ Basics “Means and Goals in Islamic Banking”

{ Modes of Finance in Islamic Financing

{ Islamic Finance and World Crisis “Lessons & Opportunities”

{ Islamic Banking and Corporate Social Responsibility

{ Conventional Role Models

Bayt Al Mal UAE

Chief Operating Officer 08/2007 – 06/2009

Responsible for all formalities and pre-activity leading to the establishment of Bayt Al Mal as a 100% Islamic Finance subsidiary company of RAK bank.

Detailed achievements:

{ Tailored a business plan and market overview of the target market

{ Created a product development strategy, and outlined the marketing and sales strategies

{ Established the infrastructure of all required enablers including: Islamic IT system and shari’a supervision First Gulf Bank UAE

Head of Distribution Channels 06/2002 – 08/2007

Engaged in the building of new Conventional and Islamic Retail, Business and Distribution channels. Detailed achievements:

{ Lead a team to launch a innovative reward based card called the Makkah Card

{ Shared in Designing business plans which allowed for the penetration of the local market, in turn it helped in the building of conventional retail business from scratch

{ Established tracking systems which ensured a balanced revenue, quality of service and risk management Mashreq Bank UAE

Local Market Manager 07/1995 – 06/2002

Awarded the Silver Star certificate by Mashreq for the distinguished results of penetrating new fields of busi- ness and attaining remarkable outcomes by leading people in defined direction. Attracted major corporate accounts which played a key role in accumulating bulk deposits at minimal cost. American Express Bank UAE

Branch Supervisor 03/1994 – 06/1995

Chase National Bank Cairo, Egypt

Cleric, Senior Cleric and Teller 07/1985 – 02/1994 2/3

Conference participation

{ Islamic Finance workshop Mar. 2014 by Min-

istry of Islamic Affairs Kuwait

{ 2nd International Shariah Investment Conven-

tion ISIC Nov. 2012 Egypt

{ IFN Africa Forum Nov. 2013 by Redmoney

event

{ 9th Kuala Lumpur Islamic Finance Forum Oct.

2012

{ Banking Technology Summit Nov. 2013 Cairo { Second International Conference on Corporate Social Responsibility and Sustainability Mar.

2012 Cairo, Egypt AUC/ GUC

Relevant publications

{“Deal of The Year” Banque Misr signs the First

Islamic Syndicated Finance in Egypt, Al Borsa

News, September 9th 2012

{“Meet The Head” interview with Islamic Fi-

nance News, IFN, July 4th 2012

{“Islamic Banking CorporateSocialResponsibil-

ity”, IFN, Aug. 1st 2012

{“Success Story” Restructuring Islamic Sector at

Banque Misr, Al Yawm Al Sabe news, March

20th 2012

Education

Preston University (Distance Learning) England

Islamic Banking Studies 2006

Cairo University Cairo, Egypt

Diploma in Foreign Affairs 1986

Helwan University Cairo, Egypt

Bachelor of Foreign Trade 1983

Cambridge University (Distance Learning) England

Cambridge First Certificate in English 1982

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