Issue 4 - BBK

1 st BahrainiWoman’s DayIssue 4: December 20084BBK now at theCity Centreof things !. . . See p4 for moreBBK Annual dinnerValues enchanted bydedicated employees. . . See p5 for moreBBK net performance49% increase over thesame period last year. . . See p2 for moreFinancialsBank News2-34-15Products 16-19Mabrook 20-22Ya HalaTasali2324. . . See p. nashatat for moreNashatatCash Management Centre now open at GOSI Complex for our corporate customers

FinancialsDespite the global market turmoil BBK reports49% growth in core performance and maintainsits capital adequacy at above 20%BBK reported significant improvement in its core operatingperformance for the first 9 months of the year, resulting in net performanceof BD 47.9 million, an increase of 49% over the same period last year.We reported significant improvement inour core operating performance for thefirst 9 months of the year, resulting innet performance of BD 47.9 million, anincrease of 49% over the same periodlast year. This significant improvementin performance was impacted by theadditional exceptional provisions taken inthe third quarter of 2008 of BD 16.6 millionraising the total provisions since thebeginning of the year to BD 30.6 millionprovided against certain investments, dueto the recent developments in the financialmarkets, reducing the bank profits toBD 20.1 million. The provisionstaken reflect the bank’s conservativeassumptions for valuation approach torespond to the adverse global marketconditions, and to prudently provideagainst such investments. With theadditional provisions made during thisquarter, we are now at a very comfortablelevel of provisions.Despite the competitive pressure and ourprudent policies on credit, interest andliquidity risk, net interest income showeda positive trend growing by BD 3.0 millioncompared to September 2007 to reachBD 40.1 million, which improved theoverall net interest spread. Non-interestincome also grew impressively by 65%to BD 33.2 million compared to last year,mainly through foreign exchange incomewith growth of 98%, and fee income withgrowth of 30%.Despite the increase in operating cost by10% compared to September 2007, thecore cost-to-income ratio improved from40% to 36% over 2007. We have recentlytaken the initiative to adjust the staffbenefits to world-class banks in theregion.In spite of the upheavals of the financialmarkets, we have not reduced ourpace for improving our services andmodernizing our facilities, and continuedto invest in customer service. To spreadour reach to customers, we have recentlyopened a new branch in the “Bahrain CityCentre Mall”. The strategic expansionplan continues in 2009 with scheduledopening of three more financial malls inIsa Town, West Riffa, and Exhibition Road.Our balance sheet grew to BD 2,178million, an increase of BD 95 millionwhen compared to September 2007. Theincrease resulted from a strong underlyingbusiness growth driven by the increase innet loans and advances by 19% to reachBD 1,349 million. Customer deposits havealso grown by BD 30 million in the thirdquarter to reach BD 1,127 million, despitesigns of financial meltdown, reflecting thecustomers’ confidence in us.As a result of following a cautious andconservative approach to manage therisk of assets and liabilities, we maintaina very comfortable liquidity position whileour capital adequacy ratio is maintainedat slightly above 20%, well above theregulatory requirements.Commenting on the Bank’s results,Mr. Murad Ali Murad, Chairman, said “Weare proud that the bank has achievedexcellent core performance, with all thebusiness indicators showing significantgrowth. However the current turmoilin the financial market is unprecedentand hence we had to make exceptionalprovisions during 2008 which assisted usin achieving this result .”Mr. A.Karim Bucheery, CE, said“The excellent improvement of theperformance was a result ofimplementing an aggressive strategicplan in the strategic period, achievingmost of the business plans and initiativesfor that period. Currently, we aredeveloping a new Corporate Strategy forthe next period, with more diversified andaggressive business plans, promisinghigher growth and better customerservice.”“Despite the major initiatives that wereintroduced during August 2008 tosubstantially improve staff benefits, thebank cost-to-income ratio has in factimproved over the same period last year.”he added.Commenting on the forecast for the lastquarter of 2008, the Chairman said that heis quite confident that the bank will poststrong performance notwithstanding thecurrent difficulties in the market, especiallygiven the fact that both the loans andinvestments portfolio of the bank has veryconservatively been provided for.2

BBK’s Interim Condensed Consolidated FinancialStatements 30 September 2008(Unaudited)3

Bank NewsCelebrating the glory of being a woman!Under the patronage of His Majesty theKing Hamad bin Isa Al Khalifa, for the firsttime, Bahrain celebrated the ‘BahrainiWoman’s Day’ on the 1st of December2008. The Supreme Council for Women(SCW) and the Bahrain Women Unionthat represents all women’s societiesmarked the day under the theme, ‘Read ...Learned ... Participated’.In line with this announcement and tohonour the true spirit of being a woman,we at BBK hosted a ceremony to speciallyaward certificates of appreciation to all theBahraini women who work with us. Giftcertificates to exclusive spa treatmentswere also handed over as a mark ofappreciation.Mr. Abdulhussain Bustani,AGM HR and Administration,said, “We at BBK always believethat women have the impetus forgrowth and great achievements.That is just how they are; it is aninbuilt quality that comes naturallyto them. We try to harness thosequalities even more, so that they canachieve high ranking positions andget equal opportunities through thecorporate ladder. Similarly we want tohelp other women outside our corporateenvironment and hence it will be ouraim to support the Supreme Council ofWomen to the best level possible.”4

BBK now at the City Centre of things!We opened the doors to the newestaddition to our network of branchesacross Bahrain in November. Locatedat the entrance next to Gate 7, the newbranch is now at the Bahrain City CentreMall.The opening ceremony was led by our CEMr. A.Karim Bucheery, and attended bya special guest of honour Ms. Roqaya AlGhassra, who has represented Bahrain inmany regional and international sportingevents and won many gold and silvermedals. Also present were DCEs, Headsof the Retail Banking Division, as well asother senior management and staff.As a BBK customer, Ms. Ghassra quotesthat her favourite part of the bankingexperience with BBK is the online bankingservice as she is constantly travelling andfinds it very convenient to transact onlineon her account.At the opening Mr. Bucheery said “Aspart of our strategic plans of expansion,I am glad to announce the official openingof our 16th branch here at the BahrainCity Centre Mall. The branch is modernand reflects the high standards that ourcustomers expect from BBK and we lookforward to making banking apleasurable experience for allour customers.”Giving reason to why CityCentre was the location ofchoice, Mr. Bucheery furthersaid, “We have put in all ourefforts to ensure that weare constantly going wherethe customer goes. Ourcustomers are our top priorityat BBK.Our aim as always, is tomake the process of bankingeasier for our customers andhence we saw Bahrain CityCentre Mall as an optimallocation for our branch.The mall is centrally locatedand that enables peopleliving or working in its vicinityto visit it often, the samecomfort will now be availableto our customersas well.”5

Bank NewsTBD marketing CampaignTransactional Banking Division launched its first marketing campaign with thenew look and feel that is especially appealing to BBK’s corporate clients.This campaign aims to introduce our organizational customers to thedifferent types of services offered by BBK, in the areas of Cash Management,Enterprise Banking and Trade Finance.BBK Cash Management CentreIn a unique step towards its corporateclients, BBK opened the newest additionto its extensive global network to providededicated cash management services forits corporate customers.The centre will offer complete over-thecountercash management servicessuch as funds transfers, deposits andencashment from Sunday throughThursday between 8:00am to 4:00pm.Management Centreis at the helm of manyother upcoming servicesthat demonstratethe leadership andinnovative thinkingof BBK, targeted atits organizationalcustomers.It is of critical importance to BBK tomeet and exceed the expectations of itscorporate customers. BBK is a marketleader in offering innovative bankingsolutions and providing world-classcash management services. BBK Cash6

NRI Business – Diwali PartyOn the occasion of Diwali BBK NRIBusiness hosted a colorful party onFriday 31 st October 2008. This event isset as one of the most auspicious andjoyful festivals of India. The beautifullyilluminated and tastefully decoratedevening was spiced up with some livemusic and authentic Indian cuisine whereelite NRI clients & BBK staff enjoyedtheir evening.7

Bank NewsComing up . . .The story of our Brighter Bankingstarts with a Smart Uniform8

Management Trainee Development Programmefor the year 2008-2009Our Training & Development Department(TDD) commenced a programme on the5th of October 2008 for 19 managementtrainees chosen through a rigorousselection process. This trainee programmehas been a part of the bank initiative toabsorb young talented individuals for thelast five years.The program involves soft skill and bankingrelated training with faculty support fromBIBF and Rob Rorich Associates. Thetraining is held at the Training Center of theHead Office building and will continue untilthe mid of January 2009.Uniform Rulesfor Demand GuaranteesTeam Building Workshop forSenior Management OfficialsTo familiarize officials connected to the Trade FinanceDepartment, our TDD in conjunction with the Trade FinanceDepartment, TFD conducted a programme on “Uniform Rules forDemand Guarantees”The program was hosted on the 15th of October 2008 at the BBKtraining centre. It was attended by 12 officials from the TFD andfacilitated by Pradeep Taneja of TFD.Our TDD in conjunction with the FCD conducted a programme onthe 2nd and 4th of November 2008 at Al Bander Resort, which wasfacilitated by trainers from Biz-Events, Dubai.The programme was attended by all senior managers and abovewhich involved two different types of Team Building Activities namely,“Bridging the Divide” & “F1 Race”The programme was conducted at the end of the strategy workshop,to evolve the new approach of the bank for the year 2009-2011.The activities emphasized on issues relating to team work, planning,decision making and effective implementation.9

Bank NewsDeveloping a WinningCash Management BusinessInduction ProgrammeOur TDD along with the Transactional Banking Division TBDconducted a program which was facilitated by trainers fromPIETA of Singapore. The training was hosted at the Gulf Hotel onthe 5th and 6th of November 2008.The training program titled, “Developing a Winning CashManagement Business” was conducted to familiarize participantswith the various aspects of Cash Management business with thecurrent global trends and to equip the attendees better to meetwith client requirements.An Induction programme was organized by the TDD to welcomeand orient new recruits at the bank.The induction programme was held at the BBK Training Center onthe 11 th of November 2008 where the new recruits were briefedby their divisional heads on the nature of their division and work,followed by a lunch at the Gulf Hotel with the Chief Executive andother top management.HR for Non-HR ManagersA programme was conducted by the TDDon the 11 th ,12 th and 13 th of November2008 at the bank’s Training Center whichwas facilitated by trainers from BIBF.The seminar was attended by managersand supervisors from various departmentsof the bank.The seminar titled ‘HR for Non-HRManagers’ highlighted the role of theHuman Resources Department withinthe bank, familiarizing the attendees withvarious aspects of their profile.10

Bullet Proof ManagerOur TDD organized a seminar that wasattended by 25 officials on the 12 th ofNovember 2008. The seminar was held atthe Head office’s 11th floor Board Room.The 2 hour seminar named ‘BulletProof Manager’ was facilitated byMr. Majdi Obaid, Senior Facilitator forCrestcom International, Middle East.The seminar focused on familiarizingthe attendees with several managerialskills like Communication, CustomerService, Negotiation skills and employeemotivators.BBK conducts seminar “Strategy for Growth”BBK recently held a seminar on “Strategyfor Growth in the financial sector – acontemporary perspective”. The seminarwas organised by the training departmentof BBK at the Gulf Hotel. The full dayseminar was attended by approximately35 senior executives of the bank.Prof. S Raghunath and Prof. PC Narayanfrom the Indian Institute of Management,Bangalore, one of the most well reputedmanagement institutes in India, were thefacilitators for the seminar.The seminar focus was on the frameworkof strategy formulation for sustaininggrowth in context to the current scenarioin the banking and financial sector. Theprofessors dwelt upon several topicsincluding ‘Strategic Thinking & DecisionMaking’, “The Changing Dynamics ofFinancial Intermediation”, ‘Championingand Sustaining Growth’ and ‘The ProcessRevolution in Financial Services’ etc. Theexecutives engaged in discussions onplanned growth and formulation of thefuture strategy of the bank in the contextof current market scenarios.Mr. A.K.Bucheery, our CE shared theimportance of the training workshop forthe bank by saying, “ The current scenarioof the market makes it mandatory forinstitutions like ours to refresh and educateourselves on the changes and encompassour teams to sustain our growth inthe future. We at BBK have constantlyinvested in our endeavour of ensuring thatwe are at par with the dynamic changes inthe financial & banking sector.”11

Bank NewsPink is for her‘Pink is for her’ was the title of theeducational workshop held on the 29thof November 2008 at the banksheadquarter.The main aim of this one hourworkshop, which was leadby Dr. Muyassara Sabry, was to fill in theunknown gaps that some may have interms of acknowledging the possibilities ofbreast cancer, tracking the mainstream ofits occurrence and understandingthe consequences.Bahrain and Singapore’sAsset Management TeamBahrain Golf Club’sannual championshipOn the 23rd of November, 2008, BBK strengthened links in anevent between Bahrain and Singapore’s Asset ManagementTeam which enabled both countries to hold a positive networkingbase. BBK co sponsored this event which took place at theMovenpick Hotel.Following our ongoing dedication to local causes, the bank tookpart as sponsors of the Bahrain Golf Club annual championshipwhich carries our name.A ceremony was held on Saturday 15th of December at theBahrain Golf Club premises to hand over prizes and congratulatethe winners.12

BBK runs the extra mileMarathon Relay 2008As part of our ongoing support tocommunity work, we participated in theannual fund raising Bahrain MarathonRelay that took place on the 31st ofOctober 2008.The relay race that started andended at the Bahrain InternationalCircuit was hosted as an annualfundraising to support local charities.A selected team of BBK staffparticipated in the marathon withimpressive results at each stage ofthe race.13

Bank NewsBBK contributes over BD 560,000to the Bahraini communityAs a token of the bank’s ongoingsocial commitment to the Kingdomof Bahrain and its citizens, BBK hascontributed over BD 560,000 to theBahraini community during the year 2008until November. Those contributionsto various humanitarian initiatives andsocieties during the third quarter of theyear 2008, are Al Sanabel Orphans Care,Bahrain Mobility International, DiscoverIslam Centre, The Bahrain Historical &Archaeological Society Patron, BahrainKidney Patients Friendship Society,Bahrain Philanthropic Society, BahrainRed Crescent Society, Nabih Saleh &Blad Al Qadeem Primary Girls Schools,Bahrain Medical Society, Cerebral PalsyFriendship Society, Bahrain DisabledSports Federation, Writers and LiteratureAssociation, Middle Area MunicipalCouncil, Awali Snooker Club and someclubs and Charity Fund. Mr. AbdulkarimBucheery, Chief Executive, received inBBK Headquarters, representatives of therespective societies who received BBK’scontributions.Snapshots of some donationsSnapshots of some donationsAl Sanabel Orphan CareAwali Snooker Club14

Bahrain Kidney PatientsBahrain Medical SocietyBahrain Philantrophic SocietyBahrain Red Crescent SocietyCelebral Palsy Friendship Society15

ProductsThe coolest ‘car loan’ offerin town with BBKAs Bahrain’s pioneer in both,commercial and retail banking, we atBBK launched an exciting car loanpromotion on the 21st of Octoberproviding added value to our customers,which will run till the end of the year. Thepromotion has been intruduced to meetthe increase in demand witnessed in themarket with the introduction of various2009 car models.Mr. Axel Hofmann, Head of RetailBanking Division commented on thelaunch of the promotion by saying,“We at BBK believe that the customershould always get added value whenthey bank with us. Now, they can buythe car they always dreamt of and earnadded advantage whereby, if their carloan is amongst the first 50 approvedloans, they will receive a free windowfilm installation from V-Kool that willkeep their car well guarded against theheat of the sun, and them feeling cool allyear round.”With various benefits like a verycompetitive interest rate, swiftspeedy processing & approval,no requirement of a downpayment and a repayment termof up to 7 years, BBK aims atassisting their customers in thebest manner possible to securethe car they have always wanted.Car insurance is made availablefrom MotorSecure at variouslevels providing customers withthe best options. In addition,in order to make the carbuying experience even moreconvenient, customers have theoption of obtaining funding of upto 100% of the vehicle value.What it takes to have a successful Photoshoot is us!16

Listen Up ! the bank’s eBanking promotionIn a move to encourage our customers to use the various servicesmade available to them online, the bank recently launched a newebanking campaign which will continue till the end of January 2009.Having a strong and well reputed ebanking service amongst ourcustomers and regarded as a reliable, convenient and secure platformto transact on their accounts, our aim of launching this campaign wasto promote the ease and convenience of operating on accounts fromthe comfort of homes to other new and existing customers as well.As per the promotion, the first 300 customers who register online, bygenerating an ePin and conducting a transaction will receive a 4GBMP4 player. The transactions include paying their phone, electricity orCrediMax credit card bills, transferring funds internally or externally orcredit top-up for their mobile phones online.Moreover, all ebanking customers, new as well as existing, whotransact on their online accounts till the end of January 2009, willautomatically get enrolled into a draw for 10 laptops. The draw willtake place on the 8th of February 200917

ProductsAl Hayrat, BBK’s unique savingsaccount that provides ampleopportunities to its customersto win prizes while they savehas made the “ talk ” everyonehas been waiting for. The granddraw of all times, which offersBahrain’s biggest lump sumcash prize is going to be held onthe 18th of January 2009. Onevery lucky winner will walk awaywith a fabulous cash prize ofUS$ 500,000.To be eligible to get a chanceto win this life changing prize,an Al Hayrat account can beopened at any of BBK’s 16branches in the Kingdomwith an initial investmentof BD50 only by the cut offdate of 18th December 2008.Existing customers canalso top up their savings bythat date to increase theirchances of winning asthe higher the investmentthe more the chances ofwinning.“This will be a very excitingtime to see one lucky winnerwin the prize of a lifetime. We atBBK always strive to programways of making a differenceto our customers and thisGrand Prize will definitelybe a life changingexperience for oneperson. Last yearwe shared the joyof Mr. MohammedAl Mujham along withhis family and we lookforward to sharingthe same joy with ournext winner. However,I would like to remindour customers of theneed to make their investments& top ups by the 18th ofDecember to be eligible.” saidMr. Axel Hofmann – Head ofRetail Banking, BBK.Last year’s winner, Mr.Mohammed AlMujham, was trulylucky to win the grandprize. Mr. Al Mujhamvisited BBK to seekadvice on the best wayto invest his pensionmoney and placed itin Al Hayrat accountbased on the Bank’srecommendations.Soon after that , hisname was drawn asthe winner of Al Hayratgrand prize winner ofUS$ 500,000.18

Al Hayrat Ramadan & monthly winnersAl Hayrat Ramadan winners:Week OneWeek TwoWeek ThreeEid drawShaker Abdulla Hubail US$ 20,000Lulwa Abdulla Darwish US$ 30,000Ali Jassim Ebrahim US$ 40,000Hussain Mohsin Mohammed US$ 50,000Al Hayrat October winners:Fatima Ismail Baqer US$ 5,000Shaikha Yousif Al Jeeb US$ 5,000Ali Khalil Al Miqdad US$ 10,000Hameed Abdulla Al Salman US$ 20,000Al Hayrat November winners:Adel Bakheet Al Ali US$ 5,000Nasser Murtadha Ghuloom US$ 5,000Ahmed Hajji Al Husaini US$ 10,000Saeed Ahmed Al Saegh US$ 20,00019

Mabrook CongratulationsAmit KumarAGM Risk Compliance& Legal AffairsThe Bank ispleased toannounce thepromotion ofAmit Kumar toAssistant GeneralManager, tohead the newlyconstituted Risk,Compliance andLegal AffairsDivision. With the formation of thisdivision, all the various dimensions of risk,that the bank is exposed to, includingcompliance and legal risk have beenbrought under one roof.Amit Kumar has an engineering degreefrom the Indian Institute of Technology,Kharagpur, and thereafter an MBAfrom Indian Institute of Management,Ahmedabad, premier institutions inIndia, and has over 25 years bankingexperience. Prior to joining BBK in1994, he had worked in 2 Internationalbanks, American Express Bank and ANZGrindlays Bank, in varied functions likeCorporate Banking, Trade Finance andمدير أول Senior managerعيل رضا حقيقي - العملياتAli Redha haqiqi - OperationsOperations. At BBK he had a long stint inthe Offshore Banking Department (whichhe headed from 1998 to 2003), beforemoving to head the Risk ManagementDepartment, and set up the newly formedCompliance and AML function.While taking charge of the new division,Amit remarked: “Managing effectively allareas of risk, including compliance andlegal risk, is crucial for any bank, more soin today’s environment. It is an honour tobe given this responsibility and to lead ateam of very competent and committedprofessionals”.أميت كومارمساعد املدير العام للرقابةالداخلية والشؤون القانونيةيرس البنك أن يعلن عن ترقية أميت كومارإىل منصب مساعد املدير العام،‏ لريأس القسمالجديد للمخاطر والرقابة الداخلية والشؤونالقانونية.‏ ومع إنشاء هذا القسم الجديد سيتمجمع كافة املخاطر املعرض لها البنك مبا يف ذلكاملخاطر القانونية تحت إدارة واحدة.‏يحمل أميت كومار درجة علمية يف الهندسةمن املعهد الهندي للتكنولوجيا،‏ خاراجبور.‏ كامأنه حاصل عىل درجة املاجستري من املعهدالهندي لإلدارة،‏ أحمدآباد،‏ املعهد املعروف يفالهند.‏ إىل جانب ذلك ميلك أميت كومار خربةواسعة متتد ملا يزيد عىل 25 عامًا يف الخدماتاملرصفية.‏ وقبل انضاممه إىل بنك البحرينوالكويت عام 1994، عمل كومار يف مرصفنيدوليني أمريكان إكسربيس،‏ وجريندليز بنك.‏ كامعمل يف العديد من القطاعات املرصفية مثلالخدمات املرصفية للرشكات،‏ والتمويل التجاريوالعمليات التشغيلية.‏ أما يف بنك البحرينوالكويت فقد عمل يف قسم الخدمات املرصفيةالخارجية حيث رأس القسم من عام 1998إىل 2003، قبل أن ينتقل لرئاسة قسم إدارةاملخاطر،‏ ويقوم بتشكيل القسم الجديد.‏وتعليقًا عىل هذه الرتقية قال كومار:‏ ‏“إن عمليةإدارة كافة مجاالت املخاطر مبا يف ذلك املخاطرالقانونية بكفاءة عالية يعترب أمرًا هامًا بالنسبةألي بنك،‏ خاصة يف ظل الظروف السائدة يفعاملنا اليوم.‏ وإنني أعتز مبنحي هذه املسؤولية،‏كام أعتز بقيادة فريق عمل يضم نخبة منذوي الكفاءة والخربة.”‏مدير Managerجامل محمد الزياين - الخدمات املرصفية لألفرادJamal Mohammed Al Zayani - RBDخالد راشد مجريان - العملياتKhalid Rashid Mejairan - Operationsأحمد عبدالله أحمد - الخدمات املرصفية لألفرادAhmed Abdulla Ahmed - RBDكريستوفر جريجوري - العملياتChristopher Gregory - Operationsمحمد زين العابدين - الخدمات املرصفية لألفرادMohammed Zainalabedin - RBDحسني أحمد الحداد - الخدمات املرصفية الدوليةHussain Ahmed Al Haddad - International Bankingعيل إحسان عباس - الخدمات املرصفية للرشكاتAli Ehsan Abbas - Corporate bankingسيد طارق عبدالله العلوي - الخدمات املرصفية للرشكاتS.Tariq Abdulla Al Alawi - Corporate bankingمحمد سلامن حسن - التدقيق الداخيلMohammed Salman Hassan - Internal Audit20

مساعد مدير Assistant Managerيوسف إبراهيم حساين - العملياتYousif Ebrahim Hassani - Operationsجاسم عبدالرحمن الشرياوي - الخدمات املرصفية لألفرادJassim A.Rahman Al Sherawi - RBDسيد باقر محمد الغتم - تقنية املعلوماتS. Baqer Mohammed Al Ghatam - ITخالد جميل البيات - الخدمات املرصفية للرشكاتKhaled Jameel Al Bayat - Corporate Bankingشيخة حسن املطوع - املوارد البرشية والشئون اإلداريةShaikha Hassan Al Mutawwa - HR & Administrationيوسف عيل السندي - تفنية املعلوماتYousif Ali Al sendi - ITزهري عبدالحميد املرباطي - الخزينة واالستثامرZuhair A.Hameed Al Murabti - Treasury & Investmentيارس محمد ربيعه - الخدمات املرصفية للرشكاتYasser Mohammed Rabeea - Corporate Bankingمحمد جاسم محمد - الخدمات املرصفية لألفرادMohammed Jassim Mohammed - RBDحامد عبدالكريم املسقطي - تفنية املعلوماتHamed A.Karim Al Maskati - ITلطيفة عبدالله السادة - الخدمات املرصفية للرشكاتLatifa Abdulla Al Sadeh - Corporate Bankingعالء حسن خليل - املعامالت املرصفيةAlaa Hassan Khalil - Transactional Bankingمسئول Officerعيل عبدالله خلف - العملياتAli Abdulla Khalaf - Operationsعبدالله عيىس العيىس - العملياتAbdulla Essa Al Essa - Operationsخالد محمد رشيد - الخدمات املرصفية لألفرادKhalid Mohammed Rasheed - RBDمرام إبراهيم الخاجة - الخدمات املرصفية لألفرادMaram Ebrahim Al Khaja - RBDفاطمة قاسم فخرو - الخدمات املرصفية لألفرادFatima Qassim Fakhroo - RBDيعقوب يوسف العويض - تقنية معلوماتYaqoob Yousif Al Awadhi - ITمحمد عبدالكريم - املعامالت املرصفيةMohammed A.Karim Sheer - Transactional Bankingبدرية عبدالله محمد - املعامالت املرصفيةBabreya Abdulla Mohammed - Transactional Bankingرقية عبدالرحمن آغايار - املعامالت املرصفيةRuqaya A. Rahman Aghayar - Transactional Bankingعليا صالح خنجي - املوارد البرشية والشئون اإلداريةAlya Salah Khunji - HR & Administrationمحمد عيل خليفة - العملياتMohammed Ali Khalifa - Operationsجامل عيل خادم - الخدمات املرصفية لألفرادJamal Ali Khadhem - RBDفيصل عيل حسن - الخدمات املرصفية لألفرادFaisal Ali Hassan- RBDإياد عيىس املقهوي - الخدمات املرصفية لألفرادEyad Essa Al Muqahwi - RBDزين عيل عبدالرحمن - الخدمات املرصفية لألفرادZain ali A.Rahman -RBDعيل صالح الصايغ - املوارد البرشية والشئون اإلداريةAli Saleh Al Saigh -HRباسم أحمد عبدالرحمن - تقنية معلوماتBasem Ahmed A.Rahman - ITنورة خليفة البنعيل - الخدمات املرصفية الدوليةNoora Khalifa Al Bin Ali -International Bankingحمد عيىس شاهني - املعامالت املرصفيةHamad Isa Shaheen- Transactional Bankingنوف نعامن الحسن - املعامالت املرصفيةNoof Neaman Al Hasan -Transactional Bankingسمر عبدالكريم قناطي - الخدمات املرصفية لألفرادSamar A.Karim Qanati - Retail Bankingأمرية يعقوب النهام - العملياتAmeera Yaqoob Al Naham - Operationsسعيد حسن الرقراق - الخدمات املرصفية لألفرادSaeed hassan Al Reqraq - RBDسمية حسني أحمدي - الخدمات املرصفية لألفرادSumaya Hussain Ahmadi - RBDأحمد صالح سلطان - الخدمات املرصفية لألفرادAhmed Saleh Sultan - RBDفواز إبراهيم الشافعي - الخدمات املرصفية لألفرادFawaz Ebrahim Al Shafie - RBDعبدالرحمن محمد حسني - تقنية معلوماتA.Rahman Mohammed Hussain - ITهاجر محمد فكري - املعامالت املرصفيةHajer Mohammed Fekry - Transactional Bankingيوسف خليل الصويف - املعامالت املرصفيةYousif Khalil Al Soofi - Transactional Bankرابعة الكوهجي - املوارد البرشية والشئون اإلداريةRabeah Al Kooheji - HR & Administrationرائد صالح الجارودي - الرقابة املالية والتخطيطRaed Saleh Al Jarodi - Financial Control & Planning21

Ya Hala Welcomeإبراهيم عيل الحمدالخدمات املرصفية لألفرادEbrahim Ali Al HamadRetail Bankingعمر عبيد الحرضميالخدمات املرصفية لألفرادلطيفة ابراهيم عيلالخدمات املرصفية لألفرادLatifa Ebrahim AliRetail Bankingليىل عبدالله صالحالخدمات املرصفية لألفرادحسن املرزوقيالخدمات املرصفية لألفرادعائشة عيل العطاويالخدمات املرصفية لألفرادAysha Ali Al AtawiRetail BankingHassan Al MarzooqiRetail BankingLayla Abdulla SalehRetail BankingOmar Obaid Al HadramiRetail Bankingأحالم عبدالله عيلالخدمات املرصفية لألفرادAhlam Abdulla AliRetail Bankingفاطمة عيل قدرتالرقابة املالية والتخطيطهايتندر كومار سشاديفااملعامالت املرصفيةأحمد عبدالوهاب محمدالخدمات املرصفية لألفرادAhmed A. MohammedRetail BankingAli Abdulla A.QaderRetail Bankingأنتونيو فابيواملعامالتاملرصفيةعيل عبدالله عبدالقادرالخدمات املرصفية لألفرادAntonio FabioTransactional BankingHitender Kumar SachdevaTransactional BankingFatima Ali QudratFinancial Control & Planningهالة البنعيلالخزينة واإلستثامرHala Al BinaliTreasury & Investmentجاسم حسن ابراهيمتقنية املعلوماتمايكل ويجنزالخزينة واإلستثامرنورة املؤيدالخزينة واإلستثامرNoora Al MoayyedTreasury & InvestmentMichael WigginsTreasury & Investmentعامر يوسف جناحيتقنيةاملعلوماتسنجيف باالالخزينة واإلستثامرSanjeev BhallaTreasury & InvestmentAmmar Yusuf JanahiITJassim Hasan EbrahimITسهيل رفجايناملوارد البرشية والشؤن اإلداريةأجوال جنياملخاطر واإللتزام والشؤن القانونيةUjjwal JainRisk, Compliance &Legal AffairsSohil RavjaniHR & Administrationوفاء أكرب عيلالعملياتنادين نبيل الشرياوياملخاطر واإللتزام والشؤن القانونيةNadeen Nabeel Al ShirawiRisk Compliance & Legal Affairsأنكور براكاش الاللجيالخدمات املرصفية الدوليةAnkur Prakash LalaljiInternational BankingWafa Akbar AliOperations23

Tasali EntertainmentCoin triangle trianglePuzzleHow to play:How to play:Change the triangle into a square by moving the minimum of the coins.How many coins will you need to move to do this?How many different squares canbe found in the shape shown in theillustration?Solution 11SolutionSudokuHow to play:Fill the grid so that every row, every column and every 3x3box contains the digits 1-9. There is no math involved24

Nashatat ActivitiesBBK Annual Dinner 2008Values enchanted by dedicated employees

Nashatat Activities