Mohammad Haroon - Acting Chief Executive Officer

Mr Haroon joined UGB in November 1981. He has more than 44 years’ experience in investment and commercial banking, gained in Pakistan and Bahrain. He worked previously with National Bank of Pakistan (OBU) Bahrain as Head of Credit & Marketing, and in the same bank in Pakistan in senior management positions. Before that he worked with the Investment Corporation of Pakistan in management positions in Corporate Finance, Investment Advisory and Asset Management. He is also a Director of United Gulf Investments Ltd, Cayman Islands. Mr Haroon holds a BSc (Hons) from Peshawar University in Pakistan, and a Diploma in Banking.

Rabih Soukarieh CFA – Assistant General Manager, Head of Asset Management and Investment Banking

Mr Soukarieh rejoined UGB in Bahrain in early 2009, having relocated from Qatar where he held the post of Chief Executive Officer at UGB’s subsidiary, United Gulf Financial Services Company from 2008. He was previously Head of Corporate Finance at UGB between 2003 and 2004, during which time he established the Investment Banking division of the Bank. In 2005 he joined Wataniya International as Group Chief Financial Officer, and co-led the expansion of Wataniya Telecom Group into Tunisia, Iraq, Algeria, Saudi Arabia, Maldives, and Palestine, as well as co-managing their activities in these countries. His career spans over 20 years in the areas of investment and corporate banking as well as mobile telecommunications. He has tenured many board directorships over the years. He is currently a director of Kuwait Energy Company, Kuwait; North Africa Holdings Company, Kuwait; Gulf Bank Algeria, Algeria; Wataniya Telecom Algeria, Algeria; Tunis International Bank, Tunisia; Syria Gulf Bank, Syria; Millennium Private Equity, Dubai; Mobility Telecom International Holding Ltd, Dubai; and International Innovative Technologies, UK. A Chartered Financial Analyst, Mr Soukarieh holds an MBA in General Management (Hons) from Northeastern University, Boston, USA; and a BSc in Finance (Hons) from Indiana University, Bloomington, USA.

Hussain A. Lalani ACA CISA- Assistant General Manager, Chief Financial Officer

Mr Lalani joined UGB in 2001. He has more than 13 years’ experience in Public Accounting and Financial Control. He was previously employed by Ernst & Young, Bahrain, and PriceWaterhouseCoopers, Pakistan. A Chartered Accountant and a Certified Information System Auditor, Mr Lalani holds a Bachelor of Commerce degree from the University of Karachi.

Jawad Al Asfoor - Senior Vice President, Head of Treasury

Mr Al Asfoor joined UGB in October 2006. He has more than 29 years’ experience in Treasury and Islamic Banking. He was previously Chief Dealer at Indosuez (Calyon) and BNP Paribas Islamic Banking; and Head of Sales and Marketing at Liquidity Management Centre (LMC), Bahrain. Mr Al Asfoor holds a Diploma Certificate in Accounting and Finance from the Association of Certified Chartered Accountants, and a Diploma Certificate in Islamic Banking & Finance.

Ghulam Ahmed Mohatarem - Senior Vice President, Chief Operating Officer

Mr Mohatarem joined UGB in October 2003. He previously worked with Citigroup for over 25 years, working at various Citibank branches and subsidiaries around the world. His last assignment was with Citibank in London as Deputy Head of Compliance for the CEEMEA Division covering Central and Eastern Europe and MENA. Prior to that, he was Head of Operations & Compliance for Samba Capital Management (SCMI), a London-based Citigroup affiliate in the UK. With SCMI he was involved in setting up a number of Luxembourg registered UCITS Funds including an Islamic Equity Fund. Mr Mohatarem also worked with Citibank in Pakistan as Head of Operations, and with Saudi American Bank, (now Samba Financial Group) in Jeddah as Regional Operations Head for the Western Province. He holds an MBA and BSc degree from Karachi University.

Mohammed Alqumaish CIA CISA - Senior Vice President, Head of Internal Audit & Quality Assurance

Mr Alqumaish joined UGB in September 2001. He has more than 14 years of commercial and investment banking experience in Internal Auditing, Risk Assessment, Compliance and Quality Assurance Services. He was previously with Ahli United Bank and Shamil Bank in Bahrain. Mr Alqumaish is a Board member of Tunis International Bank, Tunisia, and Bahrain Kuwait Insurance Company, Bahrain. He is a member of the Board Audit Committees of KIPCO Asset Management Company (KAMCO), Kuwait; Tunis International Bank, Tunisia; Algeria Gulf Bank, Algeria; and Syria Gulf Bank, Syria. A Certified Internal Auditor and Certified Information Systems Auditor, he holds an MBA from the University of Strathclyde Business School, UK.

Deepa Chandrasekhar CAMS MICA CFE - Senior Vice President, Chief Compliance Officer

Mrs Chandrasekhar joined UGB in 2008. She has over 22 years’ experience in the areas of Risk Management, Treasury, Operations, Internal Audit and Compliance. She started her career with Citibank as a foreign exchange dealer, and since then has worked extensively in the Middle East – in Bahrain, Lebanon and the UAE. She was previously Head of Risk at RAKBANK in the UAE where she was actively involved in implementing Basel II. Mrs Chandrasekhar holds an MBA degree from the University of Alberta, Canada. She is also CAMS, MICA and CFE certified, and has received qualifications from the Chartered Institute of Securities and Investment, UK. She is a member of the Steering Committee of the Professional Risk Managers International Association (PRMIA), Bahrain Chapter.

Syed Rehan Ashraf, ACA - Senior Vice President, Head of Credit & Risk Management

Mr Ashraf joined UGB in 2005. He has 15 years of experience in the areas of Credit, Risk Management, Advisory, Compliance and Assurance Services with Islamic and conventional banks, and big four audit firms. He previously worked with Shamil Bank, Bahrain; Deloitte & Touche, Bahrain; Faysal Bank, Pakistan; and PriceWaterhouseCoopers, Pakistan. Mr Ashraf is a member of the Board Audit Committees of KIPCO Asset Management Company (KAMCO), Kuwait; and Syria Gulf Bank, Syria. A Chartered Accountant (ACA) from the Institute of Chartered Accountants of Pakistan, he holds a MBA from DePaul University of Chicago, USA.