Rabih Soukarieh CFA – Acting Chief Executive Officer

Mr. Soukarieh is the Acting Chief Executive Officer of United Gulf Bank, having held a number of executive positions within the bank and its subsidiaries intermittently over the past ten years. Between 2004 and 2007, he was the Group Chief Financial Officer of Wataniya (Telecom) International. Mr. Soukarieh’s notable past Board tenures include: Wataniya Telecom Algeria (2007-2011), where he also served as Chairman of the Board Audit Committee and member of the Board Executive Committee; Asia Cell Telecommunications Company (2003- 2007), where he served on the Board Executive Committee; and Kuwait Energy Company (2010-2011). His current notable board tenures include Tunis International Bank, Tunisia (2009-present), where he also serves as a member of the Board Executive Committee; Gulf Bank Algeria, Algeria (2010 present), where he also serves as a member of the Board Executive Committee; Syria Gulf Bank, Syria (2011-present); North Africa Holdings Company, Kuwait (2010-present),where he also serves as a member of the Board Executive Committee; and Virgin Mobile Middle East Company (2009-present). Mr. Soukarieh is a Chartered Financial Analyst; he holds an MBA from Northeastern University, Boston, USA; and a BSc in Finance from Indiana University, Bloomington, USA.

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

Mr Lalani joined UGB in 2001. He has more than 16 years’ experience in Public Accounting and Financial Control. He was previously employed by Ernst & Young, Bahrain, and PriceWaterhouseCoopers, Pakistan. He is a Board Member and Board Audit Committee Member of Takaud Savings & Pensions Company, Bahrain. A Chartered Accountant and a Certified Information Systems Auditor, Mr Lalani holds a Bachelor of Commerce (BCom) degree from the University of Karachi, Pakistan.

Jawad Al Asfoor - Senior Vice President, Head of Treasury

Mr Al Asfoor joined UGB in October 2006. He has more than 30 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.

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

Mr Alqumaish joined UGB in September 2001. He has more than 16 years of commercial and investment banking experience in Internal Auditing, Risk Assessment, Compliance, Corporate Governance and Quality Assurance Services. He previously worked with Ahli United Bank and Shamil Bank in Bahrain. Mr Alqumaish is a Board member of Tunis International Bank, Tunisia. He is a member of the Board Audit Committees of KIPCO Asset Management Company (KAMCO), Kuwait; Tunis International Bank, Tunisia; Gulf Bank Algeria, Algeria; and Syria Gulf Bank, Syria. A Certified Internal Auditor (CIA) and Certified Information Systems Auditor (CISA), he holds an MBA from the University of Strathclyde Business School, UK.

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

Mrs Chandrasekhar joined UGB in 2008. She has over 24 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, UAE, where she was actively involved in implementing Basel II. Mrs Chandrasekhar holds an MBA degree from the University of Alberta, Canada; as well as the professional certifications of CAMS, CFE, MICA and MCSI. She is a member of the Steering Committee of the Professional Risk Managers International Association (PRMIA), Bahrain Chapter; and the Advisory Council of the Chartered Institute of Securities and Investment (CISI), Bahrain Chapter.

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

Mr Ashraf joined UGB in 2005. He has more than 17 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 has previously worked with Shamil Bank, Bahrain; Deloitte & Touche; Faysal Bank, Pakistan; and PriceWaterhouseCoopers. A Chartered Accountant (ACA) from the Institute of Chartered Accountants of Pakistan, he also holds an MBA from DePaul University of Chicago, USA.

Ameer Ali Bu Hussayen - Vice President, Head of Operations

Mr. Bu Hussayen joined UGB in 1991. He has 32 years of experience in the field of Operations, and has been the Money Laundering Reporting Officer (MLRO) of UGB since 2003. Prior to joining UGB, he worked with the Bank of Bahrain and Kuwait, Bahrain; and Barclays Bank, Bahrain. Mr. Bu Hussayen has attended several professional courses run by the Bahrain Institute of Banking and Finance.