Mr. Suvo Sarkar,
Senior Executive Vice President, Head of Retail Banking and Wealth Management, Emirates NBD Group

Suvo is a distinguished retail banking professional with over 30 years of multi-functional experience with five leading financial institutions and in multiple geographies across Middle East and Africa. Currently, he is the Senior Executive Vice President and Group Head of the Retail Banking, Private Banking and Wealth Management businesses of Emirates NBD, the largest bank by customer base and brand value in the United Arab Emirates (UAE). He is also the executive chairman of two of the Bank's key subsidiaries: ENBD Asset Management, the largest asset management company in the UAE and ENBD Securities, one of the leading brokerage houses in the country.

Earlier in his career, Suvo has worked with three multi-national banks - Standard Chartered, ANZ Grindlays and Citibank NA, and two regional banks - National Bank of Dubai and National Bank of Abu Dhabi. In 2015, Suvo was recognized with the Asian Banker Retail Banker of the Year for the Middle East award.

Suvo is well regarded as a thought leader in the banking industry. He is published across several regional and international publications and is often invited to provide expert commentary on broadcast television and business radio in the UAE. With an established reputation as an innovator, Suvo publishes a monthly 'Voice of Innovation' column on trends and changing paradigms in banking. He also serves on the advisory boards of two leading educational institutions, Abu Dhabi University and GEMS Modern Academy.

Mr. Aazar Ali Khwaja,
Group Treasurer & Senior Executive Vice President Global Markets & Treasury, Emirates NBD Group

Mr. Khwaja has served as Group Treasurer of Emirates NBD since September 2012. With more than 20 years of experience in Treasury and Global Markets, working across multiple geographies, he has developed a successful track record in leading high-performing teams to achieve and exceed ambitious organizational objectives.

Prior to joining Emirates NBD, he was Regional Treasurer for Emerging Markets/Africa with Barclays Bank Plc, during which time he also served as Chairman of Barclays' regional Asset and Liability Management Committee (ALCO). His previous roles included Managing Director and Head of Fixed Income Currency and Commodities in Citigroup's Central and Eastern European division, Group Treasurer for Saudi Hollandi (ABN AMRO) Bank in Saudi Arabia, Managing Director of Treasury for ABN AMRO/K&H Bank in Hungary, General Manager of Treasury for ABN AMRO in Romania, as well as Country Treasurer for Citibank NA in Pakistan.

Mr. Khwaja holds an MBA (gold medalist) from Institute of Business Administration in Karachi, Pakistan.

Mr. Mohamed Hamad Obaid Al Shehi,
Deputy Director General, Dubai Department of Finance

Mr. Al Shehi is the Deputy Director General at the Government of Dubai's Department of Finance, a position which he has held since February 2006. In this role, Mr. Al Shehi provides oversight for the planning, organization, direct accounting and treasury of the Department of Finance. He also works closely with other management to establish the funding strategy and maintain availability of resources, as well as working with the Front Directors to define and achieve departmental goals and objectives.

Mr. Al Shehi began his professional career in 1990, as a Financial Analyst at the Banking Supervision Department at the Central Bank of U.A.E. in Abu Dhabi. In 1993, he joined DEWA and to the position of Senior Manager of Finance.

Aside from his position as Deputy Director General, Mr. Al Shehi is Secretary to the Supreme Fiscal Committee (SFC). In June 2011, he was nominated to serve on the Board of Directors of Dubai Real Estate Corporation (Government of Dubai) and Emirates NBD Bank.

Mr. Al Shehi holds an Executive Master of Business Administration from Zayed University, UAE. He is a member of the American Academy of Financial Management, Master Financial Professional, the UAE Accountants & Auditors Association, and the Economic Development Committee - Sectoral Committee at the Executive Board of the Executive Council.

Mr. Ahmed Al Qassim,
Group Head / Senior Executive Vice President, Head of Corporate & Institutional Banking

Mr. Ahmed Al Qassim is Group Head / Senior Executive Vice President, Head of Corporate & Institutional Banking. He is responsible for corporate and institutional coverage across UAE and international branches and in leading the product development and implementation for trade, cash, Investment banking, Islamic products and lending. He has a mandate in enhancing digital adoption, customer experience and the use of AI in the business.

Ahmed has extensive experience in investment banking and structured finance, working for leading local and international investment companies. He was previously the Chief Executive Officer of Emirates NBD Capital Ltd (EMCAP), The CEO of Dubai Group, a Dubai Holding entity, and member of the Board of Bank Muscat, Shuaa Capital, EFG-Hermes and Sun Hung Kai. Ahmed has previously held senior roles at General Electric and Mubadala - GE Capital.

In his tenure as GM Corporate Banking at Emirates NBD and previously as CEO of EMCAP, Ahmed was able to transform the units, building on the capabilities and creating synergies in cross-functional teams. He inculcated the principles of risk management while remaining relevant to the client.

Having started his career as an engineer at the 14^th largest mobile network operator in the world, he completed his MBA from University of Victoria in Canada.

Mr. Maurice Gravier,
Chief Investment Officer Wealth Management, Emirates NBD Group

Mr.Maurice Gravier is Chief Investment Officer, Wealth Management at Emirates NBD, responsible for providing Emirates NBD's private banking and retail clientele with comprehensive financial advisory and valuable guidance on investment strategies.

Gravier started his investment career at Natixis Asset Management in 1999 as Portfolio Manager before being appointed Managing Director and CIO of the Active Equity franchise in 2007, overseeing US$ 25bn of client assets, gaining recognition from international consultants and institutions and strong ratings from Lipper, S&P and Citywire.

Gravier's vast 20-year experience in wealth management also includes leading positions in global financial institutions including Lombard Odier Private Banking in Switzerland, where he was head of equity portfolio management and strategy.

Gravier was most recently Executive Director for investments at UAE-based family investment office, Majid Al Futtaim Trust. Gravier is a French national with a Masters in Management from ESCP Europe in Paris.

Fahad Al Qassim,
Chief Executive Officer, Emirates NBD Capital

Fahad Al Qassim is Chief Executive Officer of Emirates NBD Capital, responsible for overseeing syndicated loans, structured finance, debt and equity capital markets and advisory businesses with a mandate to drive the growth of the Group's Investment Banking franchise. Fahad has extensive experience in the investment banking, government and commercial sectors. He was previously Managing Director and Head of Principal Investments at Waha Capital, prior to which he was Head of Executive Council Projects for The Executive Council of the Government of Dubai, having worked in the Investment Banking Division of Dubai Islamic Bank.

Dr. Mohamed Ali Elgari,
Member - Fatwa and Sharia Supervisory Board

Dr. Elgari was a Former Professor of Islamic Economic at King Abdulaziz University, Jeddah, Saudi Arabia and Former Director of the Center for Research in Islamic Economics, in the same university.

He is an Expert at the Islamic Jurisprudence Academy of the OIC and the Islamic Jurisprudence Academy of the Islamic World League and a member of the Board of Trustees of AAOFI. He is member of editorial board of several academic publications in the field of Islamic Finance and Jurisprudence.

Dr. Elgari is chairman and member of numerous Shariah Boards of Islamic Banks and Takaful Companies worldwide. He authored several books in Islamic finance and published tens of articles on the subject both in Arabic and English. Dr. Elgari is also a frequent speaker in conferences worldwide. Dr. Elgari holds a PhD from the University of California.

Dr. Mohammad Abdul Rahim Sultan Al Olama,
Member - Fatwa and Sharia Supervisory Board

Sheikh Dr. Mohammed is a member of the Grand Islamic Scholars Body in Dubai, a Professor of the School of Law at the United Arab Emirates University in Al Ain and an acknowledged expert in Sharia finance. Dr. Al Olama is also the head of the Fatwa Committee of the Zakat Funds in the United Arab Emirates.

Dr. Al Olama has written extensively on modern Islamic finance and has presented numerous research papers at various international conferences. He currently serves on a number of Sharia boards representing Islamic financial institutions and Takaful companies, some of which include Dubai Islamic Bank, al hilal bank, Emirates Islamic Bank, Noor Islamic Bank, Dar Al Takaful, Mawarid Finance and Manazel Real Estate.

Dr. Al Olama holds a PhD in Comparative Islamic Law from Umm Al Qurra University in Mecca, Saudi Arabia.

Dr. Salim Al Ali,
Member - Fatwa and Sharia Supervisory Board

Dr. Al Ali is an assistant professor in the department of Sharia and Islamic Studies at College of Law at the United Arab Emirates University where he teaches a number of subjects related to Islamic Jurisprudence and Islamic Banking. He holds a Ph.D. in Financial Law from the University of London, in the UK. Dr. Salim also holds a Master’s degree in Islamic Banking and Finance from the International Islamic University of Malaysia.

He worked as a visiting lecturer in BPP University in the UK where he taught a number of law subjects including Islamic Commercial Law and Comparative Law. In addition, he is a member of internal Sharia supervision committees in a number of institutions that provide Islamic finance services such as HSBC, First Abu Dhabi Bank and Emirates NBD Bank. He participated in a number of conferences such as the ones convened in Harvard University and Cambridge University where he addressed matters related to Islamic Finance, Islamic Finance Products, Development of the Financial Capital Market in terms of Legal and Regulatory Issues.

In 2016, Dr. Salim received the prestigious Rashid Award for Scientific Outstanding. Dr. Salim Al Ali is the author of "Raising Capital on Sukuk Markets – Structural, Legal and Regulatory Issues".

Steve Corrin,
Senior Executive Officer

As Senior Executive Officer, Steve leads Emirates NBD's Asset Management business. He has over 25 years' experience in investment distribution in the UK, Middle East and Far East and has been resident in Dubai since 2001. Prior to becoming SEO, Steve led the institutional sales team, with additional responsibility for wholesale channel distributors such as insurance companies, private banks and wealth advisers.

Prior to joining Emirates NBD Asset Management in 2010, Steve worked with a number of regional institutions, holding roles including General Manager (ME) for Anglo Irish Bank (IOM) PLC, Sales Director for Amiri Capital and Business Development Director at Dow Jones International. He was also instrumental in the early establishment of the bancassurance industry in the UAE, during his time with Scottish Provident International Life Assurance.

He is a member of the Institute of Directors, the London Institute of Banking & Finance and the Chartered Institute for Securities & Investments and is a Board member of Emirates NBD SICAV, Emirates NBD Fund Managers (Jersey) Ltd and Emirates NBD AM SPC.

Fahad Siddiqui,
Head of Compliance

Fahad heads the Compliance function of Emirates NBD Asset Management and has over 15 years of experience in asset and investment management and auditing. He joined the business as a Compliance Officer and has grown his career with it to take on his current role. Fahad holds an authorised individual status with the DFSA and is the designated Compliance Officer and Money Laundering Reporting Officer. In addition, he acts as the Shari'a coordinator and subject matter expert for internal queries and as liaison to the Shari'a advisors and Shari'a Supervisory Board.

Prior to joining Emirates NBD Asset Management, Fahad worked with Emirates Financial Services where he gained experience within finance and operations in the fields of asset management, investment banking and fund accounting. He began his career with KPMG Dubai, as an auditor working on the assurance function with clients across industries. Fahad holds a B.Sc. (Hons) in Applied Accounting from Oxford Brookes University, is a CFA charter holder and a Fellow member of the Association of Certified Chartered Accountants (ACCA). He is also a Certified Internal Auditor (CIA) and holds a Diploma in Islamic Finance from the Chartered Institute of Management Accountants (CIMA).

Lovesh Gheraiya,
Head of Business Support

Lovesh heads the business support and strategy function of Emirates NBD Asset Management an entity regulated by the DFSA. He holds the status of an “Authorized Person” in capacity as Finance Officer for Emirates NBD Asset Management Limited and Investor Relations Officer for ENBD REIT (CEIC) Ltd.

Prior to joining Emirates NBD Asset Management, he was with Emirates Financial Services and HDFC Bank Limited, where he gained experience within finance and operations in the fields of asset management, investment banking and fund accounting.

Lovesh holds a Master's degree in Business Administration, specializing in Finance and Marketing, and a Chartered member of the Chartered Institute for Securities & Investment, UK (CISI). He is also a Certified Anti-Money Laundering Specialist with the Association of Anti-Money Laundering Specialists.

He is currently a Director on Emirates NBD SICAV, Emirates Funds Limited, Emirates Portfolio Management PCC and Investment Relations Officer for ENBD REIT (CEIC) LTD.

Ajit Menon,
Head of Operations

Ajit heads the operations team at Emirates NBD Asset Management and is responsible for its effective, efficient and compliant functioning. He also oversees the risk and IT functions in the firm. Ajit has over 20 years' experience, of which 14 years have been in the field of treasury, investment and asset management operations.

Ajit is responsible for managing a number of diverse operational activities for the business in accordance with all applicable regulatory requirements and International best practice, as well as Group policies. He has been actively involved in the management of both the Jersey and Luxembourg Funds for the last 10 years, including providing specialist operational expertise in development of new funds, the updating of the prospectus and working with key stakeholders to ensure the product offering is appropriate for our client base.

He is also responsible for overseeing the management of service deliverables with all our key service providers including the fund administrator, custodian, transfer agent and the management company across both our Jersey and Luxembourg fund platforms.

Prior to joining Emirates NBD Asset Management, Ajit was at Mashreq Bank, where he gained experience in the field of remittances, treasury, investment banking and asset management.

Ajit holds a Master's degree in Commerce and Business Administration and is a Chartered Fellow of the Chartered Institute for Securities & Investment (CISI), UK holding a Level 6 qualification. He is a Certified Anti-Money Laundering Specialist with the Association of Anti-Money Laundering Specialists and Operational Risk Manager from PRMIA (Professional Risk Manager's International Association), United States. He is a Professional Member of the Institute of Operational Risk in the UK and currently serves on the Board of Emirates NBD Fund Managers (Jersey) Limited, Emirates Funds Limited, Emirates Portfolio Management PCC and Emirates NBD SICAV.

Scott Samuel,
Senior Manager Risk & Portfolio Analytics

Scott has over 20 years' experience in the asset management industry, the last 12 of which he has spent at Emirates NBD Asset Management, working in risk and portfolio analytics. He is responsible for oversight of the risk management of the portfolios, as well as portfolio performance and attribution.

Prior to joining Emirates NBD Asset Management, Scott worked for 2 years in the risk and performance team at the Teacher Retirement System of Texas, a USD 150 billion pension fund. Previously, he worked for 10 years at Franklin Templeton Investments, where he was responsible for cash management of the Franklin Templeton portfolios.

Scott holds an MBA in Finance from the University of Miami and a B.S. in Finance from Florida Atlantic University.