Our Story 2009

Noor Islamic Bank 2

 3

Contents

Chairman’s Message 7

GCEO’s Message 13

Board of Directors 27

Shari’a Board 33

Product Overview 35

Our People 41
H.H. Sheikh Khalifa Bin Zayed Al Nahyan
President of the UAE
H.H. Sheikh Mohammed Bin Rashid Al Maktoum
Vice President and Prime Minister of the UAE, Ruler of Dubai
Noor Islamic Bank 6

Chairman’s Message
Chairman’s Message 7

Financial services across the

Gulf and the wider Middle East
continue to offer tremendous
opportunities for innovation
and growth.
Noor Islamic Bank
Islamic finance is well positioned to take a leading
role in shaping the financial landscape of the
region, especially the emerging Islamic insurance
industry which is relatively underdeveloped.
The Noor group of companies continues to
take advantage of the current financial situation
by raising the bar and setting the standard of
personalizing customer experience and focusing
their efforts on supporting and nurturing
sustainable partnerships and relationships.
Noor’s collective goal remains the same: to create
simplicity out of complexity for its customers.
It is a commitment towards this goal that drives
us to innovate and understand our customer needs.
As I, along with the Board look forward to 2010,
we are cognizant that the global economy has yet
to demonstrate a sustainable recovery. The UAE
is not an isolated or closed economy but rather
a part of the global economy and what transpires
in the world around us, has a direct impact on
the UAE economy also.
8
The various timely and on-going interventions
by the UAE Central Bank and other UAE authorities
have ensured unhindered and categorical support
for both the overall market as well as individual
financial institutions.
The instability caused as a result of the global
economic crisis proved a defining moment for
Islamic finance as it validated what the industry
has been saying all along: ‘Financial Services need
not be about money alone, rather it is about the
balance between ethics, customer gratification,
social responsibility and our focus towards
achieving economic profitability.’
Noor holds true to our fundamental values
inspired by the simplicity of Shari’a principles.
Our values define our moral approach to business,
accountability to our clients and responsibility
to the community that we serve within. We pride
ourselves on being autonomous institutions
that makes tough decisions daily to enhance
our clients’ experience by adhering to an ethical
code of conduct.
Chairman’s Message 9

We remain focused on building

a brand that has demonstrated
reliability, integrity, trust, care
and good judgment.

Islamic finance is an innovation

in itself with Noor at the
forefront of progressive
application of its principles.
Noor Islamic Bank
The present day economic crisis had already
begun unfolding in the United States during 2007.
Having knowledge of the storm brewing across
the continent neither diminished nor dissuaded
us from addressing the underlying needs of
an emerging and enterprising Islamic financial
services industry and the growing demands of
an ever increasing customer appetite for Shari’a
based financial services. The industry continues
to forecast growth between 10-20% across
Banking and Insurance, with assets in excess
of US$ 1 trillion. Regardless of the challenges
confronting us during these times of economic
uncertainty, Noor has a core purpose that fulfils
unmet and latent needs of a growing population
10
that is seeking access to products and services that
comply to ethical and moral principles. Agile and
dynamic businesses such as ours recognize these
market needs and are responsibly addressing the
demands through creativity and innovation.
Our business models remains valid and compelling.
We are convinced that the decisive action that we
took to repositioning our business models for Noor
to focus on demands and growth potential within
the UAE and GCC markets will enable us towards
our path to profitability and confronting the future
with confidence.
H.H. Sheikh Ahmed Bin Saeed Al Maktoum
Chairman
Chairman’s Message 11
Noor Islamic Bank 12

Group CEO’s Message

 Group CEO’s Message 13

Our Strategic Advantage/Intent

Building an internationally recognized brand
requires a creative vision and considerable
collective effort. Noor Islamic Bank and Noor
Takaful were born out of a vision to create Islamic
financial institutions that serve and fulfil the needs
of their clients and spearhead the advancement
of the industry. Our vision drives us to recognize
that simplicity is the need of our clients and
innovation is the means which will enable us to
deliver uniquely personalized solutions every time
we interact with our clients. It is our belief that if
we consistently deliver against this promise,
we will earn the benefit of more business
and new referrals from our clients.
We are privileged to have the support of the
UAE leadership and our distinguished Board
of Directors comprising business leaders and
public officials that guide the direction of the
organization.

With the assistance of recognized leaders

in Islamic finance, we are committed to
redesigning the experience of modern
Islamic banking and insurance.
Noor Islamic Bank 14

The bank has a very healthy

and solid foundation with
US$ 1 billion in capital and
excellent capital adequacy
ratios of 22.09%, compared
to the industry benchmark
of 19.2%.
Group CEO’s Message
Our Financial Health
There is no doubt left that the current global
downturn is fundamentally and structurally
different from all other recessionary events of
the past. Solutions and decisions employed in
earlier recessions may not be completely relevant
to the current challenges faced by us. Likewise,
businesses will need to adapt to the new financial
and economic landscape – leverage and easy
credit will no longer be readily accessible.
The current financial and ensuing economic crisis
has reminded everyone of the pivotal role that
the banking and financial services industry plays
within the global economic system. As such,
banks and financial services companies need to
be secure and stable as their performance have
a substantial impact on the overall well being
of economies and humanity.
15
A review of the bank’s financial health, as it
completes its second year of operations, will
highlight robust yet prudent performance
management of the fundamentals. The bank
has a very healthy and solid foundation with
US$ 1 billion in capital and excellent capital
adequacy ratios of 22.09%, compared to the
industry benchmark of 19.2%. Similarly, our
balance sheet leverage ratio is a conservative
6.8x again reflecting in low risk aversion of
balance sheet management when compared
against other Banks across the region.
Noor Islamic Bank
Revenues have recorded a respectable growth
of 13.4% compared to 2008. Despite market
conditions, Net income from investments grew
by 31.2%, whilst various efficiency related
programs implemented across the bank realized
an improvement of 15.3% in costs over 2008.
Rising cost of funds combined with a prudent
approach in asset growth due to deteriorating
credit quality kept spreads under severe pressure
throughout the year. Restrained activity due to
low transaction volumes across Wholesale, Capital
Market and Consumer business lines resulted
in a 5.4% decline in fee based and other income.
Recognizing the difficult market conditions,
the bank has been guardedly conservative in
its loss coverage and has adequately provided
AED 414 million, amounting to 3.4% of its total
customer financing. We feel that our decisions
on the provisions are cautiously conservative and
at par with the expected industry average. Given
the overall pressures that the market is subjected
to and which may in turn affect our client
segments as well, we feel that these provisions
along with a 48% coverage will enable the bank
to withstand any shocks moving forward. Having
said this, strong risk, debt and client restructuring
management capabilities within the bank will
continue to ensure that we protect the interests
of both our clients as well as shareholders.
16
The timely interventions by the UAE Central
Bank and other authorities ensured support for
the overall market however liquidity, though
improving, remains under pressure thereby
resulting in price distortion between a steadily
declining EIBOR and rising customer deposits.
Notwithstanding these circumstances, the
bank managed to maintain a regulatory ratio
of 104% which was exactly in line with the
market average. Again, for a two-year young
business, this demonstrates the trust the market
and our clients have placed with us and we
will endeavour to ensure that we work hard
at retaining and building upon this trust and
responsibility that has been placed in us. We
are aware of the mandatory compliance ratio
requirements and I can confirm that the bank
has initiated measures across all its business
lines to bring this ratio within and below the
mandatory compliance levels as we move
into 2010 and beyond.
 Group CEO’s Message 17

During 2010, the bank will continue

on its path of remaining prudent during
its business activities and will continue
sourcing new business opportunities
whilst leveraging and extending its
existing platform across the UAE.
Noor Islamic Bank 18

What sets us apart from the

competition is the intellectual
expertise and strategic
direction of management and
their ability to inspire all Noor
associates to reach new heights.
Group CEO’s Message
Our Professional Management
& Entrepreneurial Culture
The inspiration of Noor was conceived in the
spirit of entrepreneurship. To create a brand that
signifies innovation and simplicity1 to rival the
most innovative companies anywhere. To this
end, the goal has always been to establish an
organization that cultivates its entrepreneurial
roots and nurture talent from the around the
world.2 This is why when all were rethinking
investments at the height of the economic crisis;
we never compromised on continuing to invest
in our learning and development assets.3
1. Innovation and simplicity:
We know our clients time is precious. That’s why we
designed our account opening process to take no more
than 15 minutes and allow new members to the Noor
family to walk out of our branches with their debit card
and cheque book in hand.
And because we know that our clients also want a smart
way of secure and easy banking, anytime, anywhere
or whilst on the move we developed our mobile internet
banking solution. All our clients need is their mobile
phone for simple, immediate and secure access to their money.
2. Nurture talent from the around the world:
As an organization where innovation is a cornerstone
of the organization, we are always open to new ideas
and learning from other cultures. That’s why over 35
nationalities have chosen us as their employer of choice.
19
What sets us apart from the competition is
the intellectual expertise and strategic direction
of management and their ability to inspire all
Noor associates to reach new heights. We are
proud of the 35 nationalities that comprise the
Noor family and diligently contributing their
collective experience4 to defining the Noor
brand. I remain confident in the capabilities
of our organization, management team and
the wider Noor team to remain responsive
to the needs of our clients and shareholders.
3. Learning and development assets:
We launched initiatives such as the Noor Leadership
programme for Emiratis, as well as training programs for
all our staff amounting to approximately 16,000 man
hours and conservatively valued in excess of 2.1 million AED.
4. Collective experience:
The collective know how of our senior management
exceeds 285 man years of banking experience from
across the Middle East, Africa, South and South East
Asia, Pacifica Asia, Australia, Europe, and North America.
Noor Islamic Bank
Our Accomplishments
As we entered our 2nd year of commercial
operations in 2009, our primary objective was
to re-calibrate the bank to be positioned for the
opportunities presented in the “new normal”.5
We immediately streamlined our business
model to strengthen the bank’s capital base and
diversify revenue streams through opportunistic
yet sustainable growth. We postponed our
international expansion and focused on bolstering
the UAE economy through expansion of our
delivery channels, introducing new business
lines and investing in talent. We also introduced
innovative ways6 to create value for our customers
by enhancing existing services and introducing
new platforms that address customer needs. This
has resulted in a 100% increase in our client base,
over 2008. Similarly, the size of our client base
and volume of activity in our wealth management
segment grew by 38% and 79% respectively
5. New normal:
“We recognize that creating shareholder value is our principal
objective. In the new normal, it has also become evident that
for economic prosperity to stage a sustainable return, bank’s
need to focus on attaining a balance between maximizing
shareholder return whilst simultaneously fulfilling their social
responsibility and role within their communities and economy
at large. At the same time our clients expect us to provide
them with solutions and advice, and to satisfy these needs
in the most simplest and convenient way possible.”
Hussain AlQemzi
20
over 2008, reflecting both the opportunity within
this segment of the market as well as unabated
demand for basic and transparent Shari’a
compliant wealth products.
An example of our client centric and holistic
relationship management approach is evidenced
through our approach of bundling services and
products7 so as to provide greater ease and
convenience to our clients. This is an approach,
where we have re-calibrated our business model
to address the demands of the market and our
clients across our business lines from Wholesale,
Personal and even between the Bank and our
Takaful Company. This is truly unique and a key
competitive differentiator.
The bank continued to build on its regionally
and internationally recognized track record and
expertise by lead-managing and book-running
corporate finance and capital market deals valued
in excess of USD 18 billion. In a short span of
2 years, the superior knowledge of the local and
6. Innovative ways:
From providing internet banking functionality on mobiles
in the Arabic language to structuring corporate finance
deals worth 18 billion USD to allow our client greater
access to funds during trying times.
7. Bundling services and products:
Bundling Shari’a compliant cover from NOOR Takaful
with our Noor cards and auto financing products to
provide our clients a more cost effective solution and
greater peace of mind.
Group CEO’s Message
regional markets has provided the bank with the
unique position of being able to arrange, execute
manage and distribute multi-currency mandates
across the breadth of both the public and private
sector. Over the past 24 months, total mandates
executed and distributed by the bank are well
in excess of AED 66 billion, which is a truly
phenomenal achievement earning the bank well
earned praise from reputed industry analysts such
as Reuters, Bloomberg and Financial Times UK
to name a few.
Being aware of the vital need for attaining
efficiencies within our clients’ businesses or
personal wealth management, the bank introduced
multiple products and services8 across sectors and
industries that aim to serve the entire working
capital cycle of our Wholesale and Personal clients
to help them more efficiently manage and improve
their financial health. These cash and payment
management solutions are on-line enabled
and offer seamless straight-through-processing
capabilities.
8. Introduced multiple products and services:
Key solutions include the corporate online banking
platform providing a single window for payments,
receivables, liquidity management, and trade service
solutions. Additionally some customized solutions
include Escrow services for real estate and the WPS
(wage protection system) payroll for blue collar workers.
9. Unique offering:
Apart from providing 24x7 FX services at Dubai Airport,
Terminal 3, the alliance allows us to compete with high
street remittance houses.
21
Transactional volumes on this enhanced on-line
product platform alone generated volumes
in excess of AED 35 million.
The bank also introduced a unique offering9
through a strategic alliance to provide remittance
and foreign exchange solutions leveraging off the
UAE’s first 24x7 branch. We recognize the strength
that lies in entering into strategic collaboration
with other market leaders to fulfil our promise of
enriching our clients’ experience, convenience and
accessibility to us.
At Noor, we have been very clear in defining
and assessing our target market and the
preferences that shape their dynamic lifestyle.
Hence, investments into next-generation mobile
and on-line based delivery platforms are core
innovation enablers in how we aim to fulfil our
client experience promise. As an example to this
commitment, the bank has launched the world’s
first Arabic enabled internet mobile solution.10
10. Arabic enabled internet mobile solution:
“For future generations, mobile internet banking
will be the accepted and preferred method of
personal banking. For many young people today
mobile banking is becoming a key criterion for
where they choose to bank. With the launch
of the world’s first Arabic enabled mobile
internet banking service, we again demonstrated
our leadership in the provision of innovative,
technology centric, personalized banking products.”
Hussain AlQemzi
Noor Islamic Bank 22

The ‘Noor’ brand is in a unique

situation to collaborate with
new industries and sectors that
emerge from this crisis.

11.Unique situation:
As a young bank we have the benefit of not being
weighed down by legacy. Our relatively small size gives us
the ability to be responsive and agile. Add to that our low
balance sheet leverage ratio and high capital adequacy
ratio (CAR). All of which places us in a unique position
to meet the realities and needs of our “new normal”.
Group CEO’s Message
Our Plan for 2010
While the economic landscape continues to
shift, our strategy remains clear. Our mission is
to be recognized and regarded to be amongst
the leading innovative financial brands. We were
established as a client-centric institution and that
will not change as we strive to enhance
the experience across multiple platforms.
Our strategy going forward is to create value in
Islamic banking and insurance as a seamless and
convenient experience for our clients. Regardless
of how the new economic environment shapes
up, there will be new opportunities that will be
created and new possibilities that will emerge
for those who will be well positioned and geared
up to realize them.
Noor Islamic Bank is an agile and responsive entity,
easily able to adapt to the dynamic financial
landscape of the region. We are well positioned
to take advantage of the new opportunities
presented by the current economic environment.
The financial crisis has provided us with an
23
opportunity where a balanced approach of risk
management, ethics, transparency combined with
measured financial returns will lead the way
in shaping the framework of the industry.
The ‘Noor’ brand is in a unique situation11
to collaborate with new industries and sectors
that emerge from this crisis. The strength of our
platform and resources combined with the support
from our shareholders, partners and regulator
positions us to embrace change and face the future
with confidence. While 2010 will continue to be
a challenging year, particularly with regards to
liquidity and cost of funding, we believe that we
remain well placed to achieving our near-term goal
of profitability by 2012. Every single associate at
Noor is acutely aware of the objective of attaining
profitability whilst remaining committed to the
highest standards of ethics and fulfilling our
clients’ highest expectations.
I extend my sincere thanks to all our clients
for their continued business and trust, all Noor
associates for their dedication and the members
of the Board, the Fatwa and Shari’a Supervisory
Board, the Central Bank of the UAE and all Public
bodies for their unwavering support.
Hussain AlQemzi
Group Chief Executive Officer
H.H. Sheikh Ahmed Bin Saeed Al Maktoum
Chairman
Hussain AlQemzi
Group Chief Executive Officer
Noor Islamic Bank 26

Board of Directors
Shari’a Board

Board of Directors
H.H. Sheikh Ahmed bin Saeed
Al Maktoum
Chairman of Noor Islamic Bank PJSC
Chairman of Noor Investment Group LLC, Noor
Takaful General PJSC, Noor Takaful Family PJSC
Chairman & Chief Executive, Emirates Airline
and Group
H.H. Sheikh Ahmed bin Saeed Al Maktoum
is the younger brother of the late Ruler of Dubai,
H.H. Sheikh Rashid bin Saeed Al Maktoum.
Along with his role as Chairman of the Board of
Noor Islamic Bank, Sheikh Ahmed is the President
of the Dubai Civil Aviation Authority, Chairman of
Dubai Airports and Chairman and Chief Executive
of Emirates Airline and Group. He embarked on
his journey in the aviation industry in 1985 when
he was appointed President of DCAA. At the
same time the national carrier Emirates was also
launched and he was appointed Chairman.
27
Sheikh Ahmed’s other portfolios with
the Government of Dubai include:
• Chairman of the Supreme Fiscal Committee
• Chairman of the Supreme Council of Energy
• Second Vice Chairman of the Dubai
Executive Council
• Member of the Board of the Dubai Council
for Economic Affairs
• Vice-Chairman of the Dubai World Trade Centre
• Board Member of The Dubai Corporation
for Government Investment
• Chairman of the Supreme Committee –
Dubai Shopping Festival Committee
and Dubai Summer Surprises
• Board Member of the General Civil Aviation
Authority of UAE
Chairmanships include:
• Dubai National Air Travel Agency (DNATA)
• Dubai Airport Free Zone Authority
• Dubai Aerospace Enterprise
• Alliance Insurance Company
Sheikh Ahmed holds a Bachelors Degree from
the University of Denver, Colorado, USA.
Noor Islamic Bank
Lt. Gen. Musabah Bin Rashid Al Fattan
Director of the Ruler’s Office – Dubai
Vice Chairman of Noor Investment Group LLC,
Noor Islamic Bank PJSC
Lieutenant-General Musabah Al Fattan is part
of one of the first generations that joined Dubai
Police as a Police Officer after successfully
graduating from the Police Academy, in 1971.
In the following year,1972, he subsequently joined
the first Police College in the Gulf region in Kuwait.
Lieutenant-General Al Fattan worked for Dubai
International Airport and was then appointed
as the Head of the Police Centre of Marqabat
in Dubai.
Lieutenant-General Al Fattan was appointed in
1974 as the Director of H.H. Sheikh Mohammed
bin Rashid Al Maktoum - Vice-President, Prime
Minister and Ruler of Dubai - Office and continues
to run this position to date.
In addition, Lieutenant-General Al Fattan owns and
heads Al Fattan Group and Al Fattan Properties,
one of the leading and largest property developers
in the UAE.
28
H.E. Mohammad AlGergawi
Minister of Cabinet Affairs of the Federal
Government of the United Arab Emirates (UAE)
Chairman of Dubai Holding
Vice Chairman of Noor Investment Group LLC
and Noor Islamic Bank PJSC
H.E Mohammed A. AlGergawi holds the following
prominent positions:
• Minister of Cabinet Affairs of the Federal
Government of the United Arab Emirates (UAE)
• Deputy Chairman of the Ministerial Council
for Services
• Chairman of Emirates Competitiveness Council
• Deputy Chairman of Emirates Investment
Authority- the Sovereign Wealth Fund of the
Federal Government of the UAE
• Chairman of Dubai Holding
H.E. AlGergawi was born in Dubai, in 1963.
He is a graduate of Business Administration,
from the US.
Board of Directors
Mr. Soud Ba’alawy
Executive Chairman of Dubai Group
Chairman of the Board Executive Committee
of Noor Islamic Bank PJSC
Mr. Soud Ba’alawy is the Executive Chairman
of Dubai Group, the leading diversified financial
services company of Dubai Holding. It focuses
on Banking, Investments and Insurance, both
at a regional and global level.
Known for his strategic insights and
entrepreneurial vision, Ba’alawy was previously
CEO of Dubai Investment Group and played a
key role in its foundation and growth. He has
more than ten years experience in banking and
investment with Citigroup, and was the Vice
President of Gulf Treasury in Citibank Dubai.
He has also served as Chief Investment Officer
of Dubai Internet City and Vice President of
The Executive Office.
Mr. Ba’alawy is a member of the Executive
Committee of Dubai Holding and Chartered
Institute of Management Accountants, UK.
Board Membership and Affiliations:
• Chairman, Marfin Popular Bank
• Chairman, TAIB Bank
• Vice Chairman, Marfin Investment Group
• Vice Chairman, Dubai Bank
• Board Member and Chairman of Executive
Committee, Noor Islamic Bank PJSC
• Board Member Noor Investment Group LLC,
Noor Takaful General PJSC, Noor Takaful
Family PJSC
• Board Member and Member of the Executive
Committee, Emirates Investment Authority
• Board Member, Emirates Telecommunication
Corporation (Etisalat)
29
Mr. Essa Kazim
Chairman of Borse Dubai and
Chairman of DFM
Mr. Essa Kazim is Chairman of Borse Dubai and
Dubai Financial Market (DFM). Prior to these
appointments Mr. Kazim held the position of
Director General of DFM.
Mr. Kazim began his career as a Senior Analyst
with the Research and Statistics Department of the
UAE Central Bank. Following this period Mr. Kazim
joined the Department of Economic Development
where he held the position of Director of Planning
and Development Division.
Board memberships include:
• Dubai International Financial Centre Authority
• Nasdaq Dubai and Nasdaq OMX
• Emirates Industrial Bank
• Dubai Statistics Centre
• General Pension and Social Security Authority
In addition to his Board memberships Mr. Kazim
is a member of the Dubai Council for Economic
Affairs, the Economy and Trade Committee and
the Financial Advisory council.
Mr. Kazim graduated from Coe College in
1985 with a Bachelors Degree in Mathematics,
Economics and Computer Science. Following this
he obtained a Masters Degree in Economics from
the University of Iowa, USA in 1987 and a Masters
Degree in Total Quality Management from the
University of Wollongong, UAE in 1998.
Noor Islamic Bank
Mr. Sultan Ahmed Bin Sulayem
Chairman of Dubai World
Mr. Sultan Ahmed Bin Sulayem is the Chairman
of Dubai World, one of the world’s largest holding
companies, which manages and supervises
a diversified portfolio of businesses in Dubai and
across the world in a variety of sectors, including
Transport & Logistics, Urban Development,
Drydocks & Maritime, Investment & Financial
Services and Energy & Natural Resources.
Mr. Bin Sulayem has spearheaded a number
of groundbreaking developments and initiatives
such as:
• Global marine terminal operator DP World’s
acquisition of the P&O group
• Development of Jafza, the Jebel Ali Free Zone;
• Establishment of Dubai World’s master
developers Nakheel and Limitless, and the
investment house Istithmar World
• Formation of Dubai Multi Commodities Centre
(DMCC), which established a commodity
marketplace in Dubai
• Establishment of Dubai Natural Resources
World, an initiative designed to provide
extraordinary returns across the natural
resources value chain
30
Mr. Bin Sulayem is a Board member
of the following:
• Head of the Board of Directors of Dubai World
• Member of the Board of Executive Council,
Government of Dubai
• Member of the Board of Executive Economic
Council, Government of Dubai
• Member of the Board of the Investment
Corporation of Dubai, Government of Dubai
• Member of the Board of Dubai Chamber
of Commerce
In addition, Mr. Bin Sulayem is Chairman of the
merged Ports, Customs & Free Zone Corporation
(PCFC) and a member of the World Economic
Forum and Advisory Council of Environmental
Institute for Golf.
The awards and recognitions Mr. Bin Sulayem
has received include:
• Honorary Doctorate from UK-based Middlesex
University in 2008 in recognition of his dedication
to excellence and commitment to the economic
development of the UAE and the Arab World
and his inspiring community leadership
• Elected as “Global Leader for tomorrow”
by the World Economic Forum
• Named “Chief Executive of the Year 1991”
at the Gulf Business Awards
• Awarded “Al Majalla Business Personality
of the Year 1992”
• Awarded Lifetime Achievement Award at Lloyd’s
List Middle East and Indian Subcontinent Awards 2006
Mr. Bin Sulayem graduated in Economics at Temple
University in Philadelphia, USA, in 1978.
Board of Directors
Mr. Mohamed Alabbar
Chairman of Emaar Properties
Mr. Mohamed Alabbar is the founding member
and Chairman of Emaar Properties PJSC since the
company’s inception in July, 1997, Mr. Alabbar
is also Chairman of the Bahrain-based Al Salam
Bank, an Islamic bank with operations across the
MENA region.
In recognition of his vision and achievements, FDi
magazine, published by the Financial Times Group,
named Mr Alabbar “Middle East Personality of
the Year.” Arabian Business, the leading regional
business magazine, ranked him second in its 2009
list of the 100 Most Influential Arabs in the World.
Fortune magazine, in their issue of December
2007, named him among the top 30 in power
positions globally.
A sought-after speaker at international forums and
on broadcast networks worldwide, Mr. Alabbar is
an articulate spokesman for the region’s economic
renaissance.
Mr. Alabbar is a graduate in Finance and Business
Administration from Seattle University, USA.
31
Mr. Abdulla Ahmed Mohammed Al Habbai
Chief Executive Officer of the Engineers Office
Mr. Abdulla Ahmed Mohammed Al Habbai is
currently serving as the Chief Executive Officer
of the Engineers Office, a position he has occupied
since 2005 when he was appointed by His
Highness General Sheikh Mohammed Bin Rashid
Al Maktoum, Vice-President and Prime Minister
of the UAE and Ruler of Dubai.
Mr. Al Habbai began his illustrious career with
Dubai Municipality where in 1988 he served as
the Head of Property Unit. Mr. Al Habbai was
subsequently promoted to the position of Head
of Survey Section in 2000. In 2004 he became
the Assistant Director for the Planning and Survey
Department.
Mr. Al Habbai currently serves as the Chairman
of Meraas Holding and the Industrial & Investment
Lands Committee, while he holds the position
of President of Business Bay Affected Plots
Compensation Board Committee.
In addition to his roles defined above Mr.
Al Habbai is an active member of a number
of Board Committees including:
• Dubai Equestrian Centre Board Committee
• Sheikh Mohammed Housing Program Board
Committee
• Dubai Urban Planning Board Committee
• Dubai Humanitarian City Board Committee
Mr. Al Habbai holds a Masters Degree from the
University of East London UK obtained in 1993
in Cadastral & Land Information Management.
Noor Islamic Bank
Mr. Abdulla Mohammed Rashid Al Huraiz
Director of the Financial Affairs Department
at the Ruler’s court
Mr. Abdulla Mohammed Rashid Al Huraiz joined
the Ruler’s Court– Government of Dubai In
1994 . With proven leadership skills and strong
administrative and operational controls, he
was appointed Director of the Financial Affairs
Department at the Ruler’s court within a short
span of time.
During the course of his career, Mr. Al Huraiz
has demonstrated excellent ability mainly in the
Finance and Administration fields and managed
to utilize the same to enhance his awareness
simultaneously.
Mr. Al Huraiz graduated from Al Ain University
in 1994 with a Bachelor Degree in Accounting.
Current Board memberships include:
• Noor Islamic Bank PJSC
32
Mr. Hussain AlQemzi
Group Chief Executive Officer of Noor Islamic Bank
PJSC , Noor Takaful Family PJSC, Noor Takaful
General PJSC and Noor Investment Group LLC
A seasoned banker with over 26 years of extensive
experience working with the leading financial
institutions in the UAE, Mr. AlQemzi now helms
Noor Investment Group, and its flagship entity
Noor Islamic Bank as its Group CEO.
Mr. AlQemzi is an insightful leader with proven
experience of incubating, leading and managing
strategic ventures and business transformation
initiatives.
Prior to this Mr. AlQemzi was the Chief Executive
of Sharjah Islamic Bank and a former Board
member of Dubai Financial Market (DFM), and
Dubai International Financial Exchange (DIFX).
Mr. AlQemzi also served as Chief Operating Officer
of DIFC, and is credited with laying the ground
for a World Class Financial Centre.
Current Board memberships include:
• Emirates Institute for Banking & Financial
Studies
• Emirates Media
• EMAAR Properties PJSC
• DIFC Authority
• Awqaf and Minors Affairs Foundation
• Noor Islamic Bank PJSC, Noor Investment Group
LLC, Noor Takaful General PJSC, Noor Takaful
Family PJSC

Shari’a Board
Sheikh Dr. Mohamed Ali Elgari
Chairman
Sheikh Dr. Mohamed Ali Elgari is an expert of the
Islamic Fiqh Academies of Jeddah and the Islamic
World League. He was Professor and Director of
the Center for Research in Islamic Economics at
King Abdulaziz University, Jeddah.
He is a member of Shari’a Boards of many
institutions including International Islamic Financial
Market, Dow Jones Islamic, Citi Islamic Investment
Bank, AAOIFI, Merrill Lynch and many more.
Sheikh Dr. Abdul Sattar
Abu Ghuddah
Vice Chairman
Sheikh Dr Abdul Sattar Abu Ghuddah is a member
of the International Islamic Fiqh Academy of
Jeddah. He was a visiting professor at Saleh
Kamel’s Center for Islamic Economics, Al Azhar
University.
He is a member of Shari’a Board of many
institutions including AAOIFI, Al Baraka Banking
Group, Dubai Financial Market, Central Bank
of Bahrain and many more.
33
Sheikh Dr. Mohamad Daud Bakar
Member
Sheikh Dr. Mohamad Daud Bakar is the President/
CEO of the International Institute of Islamic
Finance and Amanie Business Solutions. He was
the Deputy Rector of the International Islamic
University of Malaysia.
He is a member of the Shari’a Advisory Council of
the Central Bank of Malaysia, International Shari’a
Research Academy for Islamic Finance, AAOIFI, BNP
Paribas, Morgan Stanley, Islamic Bank of Asia and
many more.
Sheikh Dr. Mohammad Abdulrahim
Sultan Al Olama
Member
Sheikh Dr Mohammad Abdulrahim Sultan
Al Olama is currently an Associate Professor
of Islamic Jurisprudence in UAE University, expert
of the Islamic Fiqh Academies of Jeddah and
the Islamic World League and member of Council
of Awqaf and Islamic Affairs, Dubai.
He is a member of Shari’a Boards of many
institutions including AAOIFI, Mawarid Finance,
Minhaj Shari’a Advisory, Al Jazira Capital and
many more.
Noor Islamic Bank 34

Product Overview
Product Overview 35

Noor Islamic Bank offers

a comprehensive range of
products and services for
your growing needs and
expectations
Noor Islamic Bank 36

Personal Banking
with Noor Islamic Bank
Noor Islamic Bank offers a personalised portfolio of products and services
for your growing needs and expectations. This is reflected in the long-term
relationship and trust that we have with our customers.

Be it Personal Banking or Wealth Management, we differentiate ourselves

with the most comprehensive and innovative set of Shari’a compliant
products and services with the convenience that you require.

We bring you a one-stop banking partner with unlimited possibilities.

To discover more visit any of our branches or contact us on
800-NOOR (800-6667).
 Product Overview
We bring you a one-stop banking
partner with unlimited possibilities.
Accounts and Services
A choice of Shari’a compliant transactional
accounts and deposits that meet your everyday
banking and long-term savings needs.
• Addvantage - A bundle of products
and services in one package
• Current Accounts
• Savings Accounts
• Current and Savings Hybrid Accounts
• Term Deposits (Mudaraba Investment Deposits)
• Wakala Investment Deposits
• Payroll Solutions (WPS –Wage Protection
System Certified)
• Safe Deposit Lockers
• Exchange Services
Card Solutions
Our unique range of Shari’a compliant cards
promises to exceed your expectations in terms
of features and value added benefits. As a Noor
Cardholder you are automatically entitled to
a range of exclusive and attractive benefits,
features, and programmes.
• Tawarruk Credit Cards
• Fixed Fee Cards
• Charge Cards
Finance Solutions
We provide an innovative range of financing
solutions for all your lifestyle requirements.
• Auto Finance Solutions
• Home Finance Solutions
• Personal Finance Solutions
• Secured Covered Drawings
37
Wealth Management Solutions
Our wealth management service caters
to all money matters throughout all phases
of life, from wealth management, creation,
preservation, financing and lifestyle.
• Relationship Managers
• Investing for the Future
• Day-to-day banking needs
• Financing
• Plan for the un-planned
• Services & Benefits
Banca Takaful Solutions
We aim to go that extra mile in providing you
a new paradigm of convenience to meet all
your takaful requirements including your savings,
investments, life protection, valuable assets,
lifestyle, travel and medical.
• Travel Takaful
• Individual Medical Takaful
• Homeowner’s Takaful
• Motor Takaful
• Group Medical Takaful For Labour Workers
• Group General Accident Takaful
• Investment Plan
• Retirement Plan
• Children’s Future Plan
• Savings Plan
• Universal Takaful Plan
Noor Islamic Bank 38

Wholesale Banking
with Noor Islamic Bank
Noor Wholesale Banking provides a comprehensive suite of Shari’a
compliant solutions for our Institutional, Wholesale and SME customers.
We offer solutions that meet the requirements and challenges of your business
through a strong focus on your requirements and driven by industry insight,
technological innovation and highest commitment to service quality.

Our solutions cover wholesale finance, real estate, investment banking,

contracting finance, trade and cash management, capital and debt market
products, treasury products, and international banking services. Also,
our business relationships go beyond merely offering products. At Noor
Wholesale Banking, our vision is to partner with you - to help identify
areas for your growth and efficiency while suggesting practical,
cost-effective ways to make the most of the opportunities that arise.
 Product Overview
At Noor Wholesale Banking,
our vision is to partner with you.
Corporate and SME Banking Solutions
• Corporate Finance Solutions
– Goods/Commodity Murabaha
– Ijarah
– Islamic Covered Drawings
• Corporate Deposit Solutions
Global Transaction Services
• Cash Management
– Liquidity Management
– Collection Services
– Payment Services
– Escrow Services
– Information Services
• Trade Services
– Import Services
– Export Services
– Documentary Collections Guarantees
Financial Institutions Solutions
• Letters of Credit (LC) Confirmation
• Back to Back LC Issuance
• Back-to-Back LC Financing
• Issuance of Guarantee against Counter-
guarantee
• Risk Participation Agreement
• NOSTRO Accounts
• Syndication Origination
39
Treasury Solutions
• Foreign Exchange Solutions
– FX Spot
– Islamic FX Forward (W’aad)
• Liquidity Management Solutions
– Commodity Murabaha
– Wakala Investment
• Hedging Solutions
– Profit Rate Swap
– Islamic Cross Currency Profit Rate Swap
• Investment Solutions
– Dual Currency Murabaha
– Islamic Structured Deposit
– Sukuk
Investment Solutions
Noor Islamic Bank provides a range of structured
investment products.
• Corporate Finance
– Sukuk
– Syndication
– Securitization
• Structured Finance
– Aircraft Financing
– Transport / Infrastructure Financing
– Structured Trade Financing
– Structured Leasing Solutions
• Project Finance
– Project Feasibility
– Limited or Non-recourse Financing
– Export Credit Facilities
• Advisory
– Mergers and Acquisitions
– Capital Structuring
– Restructuring Advisory
– Valuation and Financial Modelling
Noor IslamicBank
Noor Islamic Bank 40

Our People

A Adeel Uz Zaman Safvi
Aamer Zaidi
Aamir Naveed
Aayat Jafer Ali Mansoor Ali
Al Madhoob
Abbas Ali Mehdi Hassan
Choudhary
Abbas Ali Mokshed Ali
Abdel Rahman Ahmed
Elnagoumi
Abdul Fattah Ghassan
Hussein
Abdul Ghaffar
Abdul Hameed Sayed
Abdul Haseeb
Abdul Haseeb Khan
Abdul Kader Kane
Abdul Kareem Sayenna
Mohamed Mohideen
Abdul Mateen Ansari
Abdul Monem Al Abdullah
Abdul Nasser Mahmoud
Mohammed
Abdul Qadir Ali Lootah
Abdul Rahman AlSagaf
Abdul Rauf
Abdul Salam Sanoj
Abdul Vajid Muhammadali
Abdulaziz Dhiyab Aziz Al
Abdul Salam
Abdulgafar Mohamed Adam
Awaleh
Abdulla Ali Mehrab Al
Balooshi
Abdulla Bin Ahamed Cheriya
Thaithodarhil
Abdullah Omar Suleiman
Al Jabai
Abdulrahman Abdulla Ismail
Al Mutawa
Abdulrahman Dost
Mohammed Saleh
Abdulrahman Mahmoud Al
Khatib
Abdulrahman Mohammad
Amin Fekri
Abeer Ibrahim Al Awar
Abeer Ismaeel Ahmed Al
Marzouqi
Abeer Mohammed Rashid
Abhijeet Awale
Abhijit Sarkar
Abrar Hussain
Adeel Tufail Chaudhry
Our People 41
Aliya Khan Atul Kundra Dhilip Kumar
Adnan Hussain Aliya Mughal Ayesha Ahmad Mohammed Dinu Daniel George
Kolat
Adnan Zaheer Allan Lound Dirar Ali Saleh Obeidat
Ayesha Saeed
Adrie Els Amal Salmin Abdulla Salem Ahmed Al Janahi
Ayman Elsayed Al Boraei
Aftab Ahmed Bhutto Amani Rahim Jassim Ali Farrukh Zahir Kidwai
Ayman Haj Awad
Aftab Ahmed Khan Amanullah Khan
Ayman Ismail Salah El Abd
E
Aftab Alam Amany Mohamed Mohamed Ehab Hussein Madbouly
Ibrahim Ayman Sami Homoud
Ahlam Mahmoud Samara Ehsaan Uddin Ahmed
Amar Javed Aysha Ahmed Ramadhan
Ahmad Khalifa Abdulla Emad Baligh Abdel Hafez
Khalifa Bin Seraei Al Mehairi Amber Sabah Azza Adel Alian Aboukoush Maklad
Ahmad Mohammed Ambreen Azmat Khan Azza Hamad Suroor Emad Essam El Din
Ababneh Mohamed Sultan Al Kaabi
Amer Bashir Emad Hassan Abu Sammour
Ahmad Mustafa Al Shareef
Amin Hashmi B Eman Haj Yousef
Ahmad Kabbani Babu K B
Amin Younus Emeel Wasif Mohammad
Ahmad Yousuf Salem Badia Bouhaddou Fares
Amina Ismail Mahmoudi
Ahmed Abdulrahman Badreya Ali Al Dashti Eslam Musa Ali Yassen
Amine Meliani
Ahmed AlMahmoud
Ahmed Adel Salman Al
Amir Baig Balaji Muthu F
Heweiti Amir Umer Balaji Saranathan Fabian D’souza
Ahmed El Abbady Amira Emselmi Basel El Gergawi Fadi Al Safi
Ahmed Ismail Mohammed Amira Mohammed. Al Basem Mohsen Shagera Fahd Reaz
Ahli Dhaheri Bashar Khalil Al Jayyousi Faisal Ali Mohamed Bin
Ahmed Kalim Amit Giri Ghareeb Shehhi
Bassam Mohammad Al
Ahmed Khalid Ahmad Amjad Fareed Khan Bawayeh Faisal Faiz
Abulhoul Al Falasi Biju Arackal
Amjad Hasan Abdullah Naser Faisal Hussain Al Raisi
Ahmed Rafat Mustafa Biju Nair
Amr Abdel Fattah Farrag Faiza Ali Abdulla Alzadjali
Ahmed Sayed Metwally Biju Pola
Anfal Abdulla Mohammed Faizan Ahmed hashmi
Ahmed Zaki Mahmood Bilal Moin Farah Ahmed
Ahsan Fazili Angelina Lim Hui Hoon Byju Joseph Farah Naz Ibrahim
Ailya Kazim Anglita Puedan Sollano
C Fares Abdul Aziz Yaseen
Aisha Yousuf Al Muhairi Anil Khuwaja
Carlos Dalisay Farhatullah Shad
Akram Siraj Anila Ali
Chandrasekhar Farid Ahmad Arboudi
Alaa Jihad Saad Anjum Zahid Hussain Ramachandran
Fariha Fatma
Alain Marckus Anubhav Kochar Chandrasekhar Thangaraju
Farrah Nasir Khan
Albert Anthony Soosay Anupa Remesh Thawani Cheryl Nesamani
Farwa Imran Malik
Aldrin Gerard Earl Aravind Ramkumar Cibu Francis
Fatemeh Malek Zadeh
Alfonsa Heredia Aref Yousuf Abdulrahman Claire Yap Cababat
Al Attar Fatheya Abdulrahman Al
Ali Abdulla Ahmad Abdulla
Alamoudy Arshad Khan
D Hammadi
Dahlia Mohamed Ahmed Fatima Baqir Qurban Ali
Ali Darwish Ghuloom Arun Seetharaman Abdulla
Zayan
Ahmed Baqer
Asad Batla Fatima Salem Khamis Salem
Dalal Al Safadi
Ali Khalid Ali Sharaheel Al Al Saadi
Asadullah Shaikh
Kathiri Dalal Mohamed Salah
Ashish Patel Fatin Sufian Arnaoot
Ali Mahmoud Moustafa Ali Damir Galiullin
Fatma Abdulla Abdul Wahab
Ashraf Alullah Kandy
Ali Mohammed Hussein Daniel Koval
Fatma Abdulla Al Zarooni
Dallal Asif Nabil Albarghothi
Danny Ramadan El Natour
Fatma Abdulrahman Mousa
Ali Raza Asma Mohammed Essa
Darakshanda Khalid
AlHeloo Fatma Faisal Abdul Khaliq
Ali Raza Ratnani
David Burn Mohamed Ali
Asma Rasheed Ahmed
Ali Salim Dakroub
Deepak Basandani Fatma Ismail Moosa Ismaeili
Asma Sheriff
Ali Sultan Rakkad Al Amri
Devendra Ailani Fatma Mohammed Noor Al
Aswathi Vijaya
Alia Khalifa Obaid Khalifa Khaja
Deya’a Abu Taleb
Jadah Al Ali Atis Bagchi
Dhanasekar Subramani Fauzia Hammoud

Fauzia Vohra
Fawzia Ibrahim Al Awazi
Fazal Durrani
Fazal Naeem
Feras Bin Eid AlHussaini
Fraz Uddin Chishti
G Hassan Abdelaziz Hassan
Galal Ali Ghanem Kulaib
Ganesh Sivaramakrishnan
Gautam Jayaraman
Gautam Sreedharan
Geeta Sanker
Gev Cyrus Ayrton
Ghaleb Hossein
Ghalia Omar Bushnaq
Ghinwa Ahmed Safa
Gibu Thomas Mathew
Gis George
Gokuldas Panicker
Gopal Lalwani
Gopalakrishnan Nara Simnan
Goran Bajo
Govindharaj Rengaramulu
Graham Stanley Hughes
Gulraiz Khan
Gurvir Man Singh
H Hossam Al Deen Mohammad
Hala Abdulla Saeed
Abughazyain
Hala Reffat Mohd Mansour
Hala Younes
Hama Hakimi
Hamad Ahmed Almulla
Hamad Hasan Ibrahim
Mattar
Hamad Jasem Al Housani
Hamad Mohammed Ahmad
Hamed Saif Ali Malalla Ismail
Hamid Abdullah Khamis
Mohamed
Hanaa Zaid Jasseem
Hanadi Abdallah Al Qaroony
Hanan Ahmed Khouri
Hanan Ali Abdullah
Hanan Izhiman
Hanan Qadir
Haneen Al Khatib
Haneen AlAila
Hansa Belani
Noor Islamic Bank
Haris Kachancheri
Harish Chandran
Harmendra Prakash Ojha
Hasan Askari Zaidi
Haseeb Ahmed Malik
Hasina Patel
Abdelrahman Almidfa
Hassan Ali Abdulla Yasin
Hassan Naim Al Homsi
Hassan Raza Kazmi
Hayfaa Mohammed Saleh
Hazem Hassan
Hend Mohd Taleb Khasif
Aljaradi
Hend Rashed Ajil
Henna Charles
Hesam Shokrollah
Abdulhamid Yekehsavar
Hessa Ahmed Ahmed
Mohammad Bin Yousif Al
Shehhi
Hessa Ali Al Joker
Hind Al Attar
Hisham Mirghani Gawish
Hisham Qadri
Hosad Nagaraj
Hosam Hussien Al Refay
Raje Al Jabour
Houda Dergham
Houssam Ramzi Al Shaikh
Huma Naz
Husam Mohammed Hassan
Husein Kakajiwala
Hussain Ahmad Al Qemzi
Hussein Adel Hussein El Aref
I Joshlay Johney
Ibrahim Abdulrahim Ali
Mulla
Ibrahim Khalil Kurkar
Ibrahim Sobhi Mohamed El
Shami
Iffat Hussain Khan
Ihab Mostafa Hammad
Imad Kamil Yousef Sawalha
Imam Elias
Imam Hidayat Bin Suhadi
Iman Abbas Ahmed
Iman Bader Habib Hassan
Ibrahim Al Rustam
Iman Yousuf Al Sayegh
Imran Ahmed Shaikh
Imran Akbar
Imran Murtaza
Imran Saleem Shaikh
Imthiaz Ahmed
Imtiyaz Ahmed Killedar
Indu Jai Narayan Pandey
Ishaq Dhafar Ali Mohammed
Al Bloushi
Ishtiaq Ahmed
Ivan Rosario Dmello
J Khalifeh Jalal Al Musa
Jabran Wali Muhammad
Khan
Jae Seung Kim
Jahanzab Asif
Jalal Sabah Al Saadi
Jamal Mohamed Bahrudeen
James Edwin McPherson
Jan Peter Kirchhoff
Janakiraman Lakshmanan
Jane Indhrani Naidoo Klinke
Javad Khan
Javid Ali Anwar
Jawad Haider
Jawad Qurashi
Jayabharathi Nithiyanantham
Jazeel Jalaludheen
Jesusa Santos Arriola
Jithesh Kumar Sudhakaran
Joginder Singh
John Chang Kheng Hoi
John Jose
John Paul Jabatan Opao
Jongsun Kim
K Lord Rajpar
K.V. Aboobacker
Kamran Abdul Karim
Kanwal Zaman Malik
Karim Atef Ibrahim
Karim Hani Farid Abde Aziz
Karim Hossam Badr El Din
Kashif Ali Hashmi
Kashif Amin Thakkur
Kashif Razi
Kashif Salah
Kashif Zia
42
Kasim Ali Shabbir Maha Youssuf Awida
Kavita Jawahar Lal Dangrani Mahamoud Aidid Nur
Kazim Ali Mahasin Ismail Tarish
Khaldoun Al Khalidi Maheen Amin Mohammed
Kamali
Khaldoun Jamal Ahmad
Maher Issa Hasan Farraj
Khaldoun Saad Baradan
Mahesh Kumar Chaturvedi
Khaled Ahmed Sarhan
Mahesh Sanka Fonseka
Khalid Ahmad Ketait
Mahmoud Abou Adla
Khalid Iqbal Butt
Mahmoud Al Laham
Khalid Khan
Mahmoud Ibrahim Saafan
Khalifa Sultan Mahboob
Farhan Mahmoud Mohamed
Mohamed Saleh M Saeed
Al Ali
Khawla Abdullah Salem Al
Mahvish Hammad
Saadi
Maisam Ali Contractor
Khawla Eissa Al Mansouri
Maisoon Thani Al Marri
Khawla Mohammed Darwish
Maitha Saied Al Qaheri
Kholoud Mohd Ali Al Wawi
Majid Al Banna
Koel Gupta
Majid Maqbool
Komilla Punjabi
Makali Kobeissi
Kotaiba Al Sammere
Malik Khurram Shehzad
Kulthoum Samir Shasha
Malik Muhammad Asim
Kumaravelan Longanathan
Rafique
L Malka Saif Al Marri
Lagghil Seong Manal Munzer El Shanti
Laila Mohammad Mubarak Manif Rifat Saeed
Saeed Al Balooshi
Manoj Balani
Lamya Saleh Farid Mohamed
Manoj Kumar
Al Awaliq
Manoj Reveendran
Leena Shah
Manzoor Ul Haq Khattak
Leila Noor Ali Ghulam Shah
Maran Soundararajan
Liaquat Ali
Maria Annette Suzara
Lin Jing
Mariam Abdulla Sai Ameri
Lina Ismail Al Nashash
Mariano Fernandes
Lina Mohd Ahmed Al Buhaisi
Marii Abdullateef Bin Brek
Liyakath Ali Khan
Mark Wilcock
Loida Mandac Raval
Marwa Khadr Ibrahim Abou
Lokesh Kumar Bhavnani
Eida
Marwa Omar Al Zarouni
Luai Sadi Husaain Al Qadri
Marwan Salah Mohamed
Lubna Mohammed Al Farsi Abdulla Al Mehari
M Maryam Abdulla Almehairi
Mangalpady Janardhana Maryam Amiri
Shanbhogue Maryam Hassan Idd
Maged Makram Bekheet Maryam Mohammed Bin
Naseem Faris
Maha Ali Ibrahim Ali Ahmed Mayur Gada
Maha Hashim Abu Fool Mazen Wael Al Khatib
Maha Mahmood Ahmad Medha Prashant Deshmukh
Abdulrazzaq
Medhat Maher Anis
 Our People 43

Mehsa Sheikh Mohammad Yousef Aljamal Muhammad Kashif Aziz Nadia Aurangzeb Khan P
Ahmed
Mejo Jhonson Mohammd Danish Ali Nadia Naeem P. Ismayil
Muhammad Murtaza Khan
Melad Zaid Al Asmi Mohammed Abdullah Nahid Ali Al Majidi Pankaj Sharma
Mohammed Al Eidroos Muhammad Naeem
Merlyn D’Cruz Naila Saqib Parveen Habib Ali
Mohammed Ahmed Muhammad Rizwan Khan Mohammed Kokar
Mian Shahnawaz Ali Najeya Al Qubaisi
Abdullah Kodrazi
Muhammad Saleem Amir Parvez Baig
Milind Salvi Nancy Ghazarian
Mohammed Alaa Eldin
Muhammad Shahbaz Pervaiz Akhtar
Mirza Mahmood Baig Nancy Taniegra
Mohammed Asfaq Ali
Muhammad Shakir Poobalaganapathi Ayyadurai
Moaza Juma Khalfan Al Narayani Arunkumar
Mohammed Azimuddin
Shamsi Muhammad Siddique Shahid Pooja Jatwani
Naren Chandra
Mohammed Ghazi
Mohamad Abbas Ghunaim Muhammad Tarique Rehmat Pottiyangattil Hakeem
Nargiza Karimova
Mohammed Jawad Akber
Mohamad Bilal Al Habian Muhammad Umar Khan Pradeep Kumara
Khan Naseeruddin Sher Ali
Mohamed Abdalla Hussain Muhammad Umer Weerasinghe
Mohammed Khader Nasrin Nouroozi Ghoreishi
Al Sahlawi Pramila Chandrakant
Ramadan Muhammad Usman Amin
Nasrulla Sultan
Mohamed Abdel Kader Fathy Prasad Balachandran
Mohammed Mufid Khalil Muhammad Usman Khan
Nasser Salem Nasser Al
Mohamed Abdulazim Osman Qundah Prasanna Rao
Muhammad Usman Khan Nahdi
Mohamed Abdulla Ibraheem Mohammed Qadeer Khakwani Prashant Anand
Nauman Ahmed
Abdullah
Mohamed Alaa El Din Muhammad Waleed Ashraf Prashant Sarwade
Naveed Rashid
Mohammed Mohammed Qasim Agha
Muhammad Waqas Prashant Sitlani
Nawal Kebouri
Mohamed Ashfaq Shafee Mohammed Rajeeb Hassan
Muhammad Yousaf Prema Noronha
Nawal Said Laouar
Mohamed Gaber Abdelaziz Mohammed Said Al Tamimi
Muhannad Abdul Rahman Puneet Batra
Nada Nay Nasser
Mohammed Said Nasr
Mujeeb Khan Puthenpurayil Cherian Binu
Mohamed Gamil Sherif El Nazeer Ahmed
Mohammed Tariq Alattar
Helou Mukund Jagannathan
Mohammed Wajid Ahmed
Nazha Ahmad Q
Mohamed Hachich Mumtaz Abdullah
Nazish Hussain Qaiser Hayat Khan
Mohammed Younis Jamal
Mohamed Hady Mumtaz Ali Khan
Mohammed Alsayed Neeraj Rathi Qusay Jaffar Abdulaal
Mohamed Hassan Ibrahim Muna Abdullah Galadari
Nevin Ehliel
Hassan
Mohammed Zacheria Fazeer
Muna Ahmed Al Jaber
R
Mohammed Ziauddin Nile Rabbani Awan
Mohamed Nasim Mohamed Rabea Essa Saif Al Ali
Kareemuddin Muna Ali Hussain
Hussein Niraj Kumar
Raed Omar Abdellatif
Mohannad Zohair Darwish Muna Ibrahim Al Mazem
Mohamed Rizny Ismail Nishad Yahiyakoya Sabbah
Mohammed Nazri Bin Chik Muna Mahmoud Hasan
Mohamed Salum Said Abeid Nishat Ahmed Rafaqat Ali
Kodas
Moin Akram Nithin Charles Rafeeq Purayil
Mohamed Zahir Sameer
Munawar Ali Alvi
Mohamed Mona Badih Houri Niyaz Halid Rafi Ul Haq Mobin Ul Haq
Munazza Waqar
Mohamed Zaki Hamada Monocheher Mehdi Noman Ahmed Gill Raghavan Selvamani
Muneer Thayal House
Mohammad Abdel Moniem Moutaz Blaa Ahmed Noora Fadhel Rahim Padinjare Chalil
Abdel Wareth Mohammed Munzir Mohd Altayeb
Mohammed
Ahmed Ali Noora Ibrahim Ali Hassan
Mohammad Abdulkarim Moza Yousuf Mohammad Albalooshi Raja Mohammad Saeed
Makki Jaffar Saleh Mubarak Murad Farid Yousef Al
Takrouri Noora Nasib Saeed Rajan Purushothaman
Mohammad Ali Bakri Mubarak Chaudhry
Murshid Sabar Hussein Al Noora Youssuf Al Gargawi Rajesh Paman Menghani
Mohammad Anwaruzzaman Mudit Pant
Amoody
Noureddin Al Khaldi Rajesh Panjunal
Mohammad Atif Khan Muhammad Adnan Ramchandani
Murtaza Ali
Muhammad Asrar Nuha Othman
Mohammad Bassam Al Baz Rajesh Poddar
Mustafa Yousuf Dhilla
Muhammad Ahmed Nuha Saleh Abdulla Saleh
Mohammad Dawood Al
Awadhi Muhammad Asif Haroon N O
Rajiv Patil
Marfani Nabeel Ali Khan Rakesh Thekke Thalakkal
Mohammad Ghazi Olin Maria Lasrado
Mahmoud Abu Amer Muhammad Asim Khan Nabeel Zuberi Ramanathan
Omaima Mustafa
Mohammad Imthiyas Muhammad Azeem Nade Ali Kazmi Ramanathan Kannaiyan
Omar Anwar
Mohammad Irfan Khan Muhammad Bilal Nadeem Ahmed Ramesh Gopal
Omar Hayat Rahman
Mohammad Kaleem Muhammad Fahad Siddiqui Nadeem Akhtar Ramkishan Jakhmola
Omar Mohamed Abdulr
Mohammad Lateef Muhammad Faisal Talib Nadeem Mohammed Rahman Mohamed Al Blooki Ramnath Divakaran
Mohammad Shadab Ashraf Muhammad Farooq Nader El Sayyed Osama Ahmed Mohammed Ramnath Venkatraman
Mohammad Waseem Muhammad Fayyaz Nadia Arfauddin Osman Malik Ramzi Al Rimawi
Mohammad Wasim Raja Muhammad Irfan Ul Haq Ramzi Hassan Younes

Rana Fallaha
Rana Muhammad Abdullah
Rana Ratib Khalil Dalani
Ranchu Nair
Randa Hamada
Rashed Mohamed Al Humairi
Rauf Arshad
Rayance D’Souza
Raza Ali Rashid
Reem Mohamed Ahmed
Abdalla
Reem Yousuf Mohammed
Al Wari
Reyadah Mohammed Al
Kilani
Richard Puttick
Riden Canonigo
Rim Abdullah Naseer Alafif
Rishee Passi
Rivi Wickramarachchi
Rizwan Shakoor
Ro Eve Baluyot
Roger James Warnock
Rola Seifeddine
Ronald Hullana
Roopa Sivakumar
Roudha Mohammad Ibrahim
Bilal Al Daisi
Rowena Bhurjee
Rupina Abdul Hamid Salim
Rushani Thanishka Thejasiri
S Shadi Samir Kandil
Sudarsan
Saad Abdul Rahim Lakhani
Saadaat Yaqub Bajwa
Sabine Kouyoumdjian
Sabreyah Habib AlAwadhi
Sabrina Tariq
Sachin Joshi
Saeed Amer Al Ghaferi
Saeed Matar Al Marri
Saif Mohammed Qambar Al
Baloushi
Saira Altaf
Sajjad Ahmad Satti
Saleem Nawaz Meran
Salem Saeed Salem Bin Daar
Salha Malalla Mohammed Al
Hammadi
Noor Islamic Bank
Salimuddin Kasam Shaikh
Salwa Mohammed Qahtan
Thabit
Sameera Abdulaziz Al Jallaf
Sameera Abdulrahman
Mohamed Omar
Sami Ahmed
Sami Ainous
Sami Ibrahim Al Awadi
Samir Mubarak Alalawi
Samira Mohamed Al Nusairi
Sana Amjad
Sanam Ali
Sandeep Dung
Sanjeewa Asanka
Sankar Ganapathy
Santhosh
Santosh Kumar
Sanwal Qureshi
Sara Ba’alawy
Sara Akkila
Sara Mustafa Karam
Saroj Dhal
Sathik Batcha
Saud Yousuf Ahmed Al
Khoory
Sayed Aziz Hussain
Sayed Sarfaraz Nawaz
Scherezade Razi
Seham Abdulrahman Al
Zarouni
Shabeer Buruhanudeen
Shafaqat Ahmed
Shahbaz Khan
Shahid Ali
Shahid Hussain Randhawa
Shahid Latif Khan
Shahzad Ismail
Shahzad Ul Haq Siddiqui
Shaik Khaleel Ullah
Shaima Ibrahim
Shakeel Akhtar
Shali Parakkot Aboobacker
Shamila Christine Perera
Shams Ul Haque
Shariq Hussain Naqvi
Shatha Syed Mohammed
Reza Al Hashimi
Shayma Mohammed Hassan
Al Redha
44
Shehbaz Khalid Butt Syed Moosa Kaleem Al Falahi Vishnu Gokuldas
Shehnaz Zahra Syed Mubashir Hussain Vishwas Bhatia
Shehryar Iftikhar Syed Nadeem Hasan Rizvi W
Sheik Siraj Ahmed Syed Najamul Hasan Wadhha Bakhit Salem
Shirin Noroozi Syed Qarar Hasan Wael Sami Mohamed Saed
Shoaib Saleem Syed Raheel Hashmi Mohamed
Shweta Sagar Obhroi Syed Raza Abbas Rizvi Wael Samih Samaha
Siham Bengrine Syed Salman Mehdi Wael Samir El Naggar
Skander Ben Omrane Syed Shoukath Hussain Wafa Muhsin Jasim Ali
Slim Bouker Syed Tariq Ali Wafa Sultan Al Olama
Wajih Ahmed Qureshi
Sobia Khalid Syed Yahya Sultan
Wajih Hansmukh
Sohail Akhtar Satti Syed Zaheer Ahmed
Somasundaram Iyer Syeda Misha Ahmed Walid Ahmed Ahmed Saad
Walid Ahmed Sherif Hafez
Sonia Ismael T Abdel Moneim
Sreedevi Mani Tabrez Abdullah Shaikh
Walid Mahmoud Abdulla
Sridhar Sankarasubramanium Tahir Mahmood Sail Hassanin Abou Khodeir
Srinivasa Desikan Taline Ousana Pamboukian Waqar Ahmed Sharif
Srinivasan Tamsil Iftikhar Waqar Jameel
Sriram P Tapasya Acharya Wasim Mohsen Najjar
Srividhya Erugula Tarak Bouattour William Sean Higgins
Stephane Taleb
Tariq Mohamed Wali Abdulla
Karmostaji
Y
Subramanian Nandakumar
Yang Jin Kim
Sudhakar Laxman Suratkal Tariq Murad Abdulla
Mohammed Yaqoob Fadhul Rashid Al
Suhail Salem Masood Doseri
Tarun Sethi
Bamzena
Yaser Abdul Kareem Ibrahim
Sujata Varma Tatum Dennis De Souza Abuquta
Sukumar Nanwani Tehmina Yakoob Yaser Abdulrahman
Sulaiman Mohammed Al Tejas Sampat Mohammed Al Shaikh
Hargan Thafshid Hashim Yasir Arafath
Cheekylodan
Sulaiman Sait Yasir Hanif
Cheriyakuwereyil
Sumaya Haji Hassan Yousuf Yusuf Zakir Ahmed Darwish
Thomas Paulose
Al Balooshi
Sumeet Vasandani Thomas Poovatil Z
Thuraya Mohammed Suhail Zabir Ahmed
Sundareswar Ganapathy
Toqir Ahmad Zaheeruddin Ahmed
Suniti Tiwari
Trevor D’Souza Zahra Dorri Nogorani
Suresh Subramanian
Tuan Ahamath Zahra Qamber Al Mazem
Suroor Ahmed Khan
Zakaria Kanineh
Sushen Acharyya U
Zeeshan Zafar
Swatee Hemant Wagh Ubair Mohammed Butt
Zena Nabih Darweesh Brake
Syed Abidi Haider Abbas Umer Jawad Zuberi
Zohra Arif Sayed
Syed Ahmed Unnikrishnan
Zuhair Bin Redha
Syed Asam Raza Usman Ahmed
Zulfikar Ali Memon
Syed Aziz Haider Naqvi
V
Syed Hammad Karim
Variyambath Bhaskaran
Syed Hassan Abbas Naqvi
Vikas Misra
Syed Hussain Shirazi
Vikas Sawhney
Syed Ibrar Ali Kazmi
Vikrant Maurya
Syed Mazhar Ali Shah
Vinod Babu Premakumari
Syed Moazzam Ali Kazmi
Vinod Puthran
Syed Mohammed Jafri
Our People 45