Waha Capital
A.A. Al Moosa Enterprises
Waha Capital is an Abu Dhabi Securities Exchange-listed and Abu Dhabi-based diversified investment holding company, created by restructuring Oasis International Leasing Company PJSC. Waha Capital has adopted a clear vision and strategy to drive multi-sector business growth and diversification through acquisitions, joint ventures and creation of new businesses. Its current business portfolio includes big-ticket leasing, financial services, maritime and property development. Waha Capital’s main institutional shareholders are Mubadala Development Company and Abu Dhabi Investment Company.
The Al Moosa Group, also more familiarly known as the Arenco Group, is one of the leading and prominent local business groups in the UAE, with business interests spanning real estate, hotels, architectural design, manufacturing, services and trading. Set up in 1971, the group has its corporate headquarters in Dubai, with business interests in all emirates and beyond. The group continues to rapidly grow in its various businesses as a service oriented group and looks forward to its diversification into financial services through its interest in Dunia Finance L.L.C.
www.wahacapital.ae
www.aaagroup.com
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Striving for a simple, friendly and trustworthy service 09
Our philosophy Dunia Vision We care and make a difference in the lives and future of our customers. At dunia, our customers are at the center of all that we do. Our commitment is realized by listening to and understanding customer needs. We design and deliver tailor-made financial solutions.
Dunia Mission We aspire to serve all our customers by delivering quality products and excellent service, therefore financially empowering our communities and partners, and creating long-term and sustainable shareholder value. Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.
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Our Credo We Believe in...
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Customer commitment
We proactively reach out to our customers and build meaningful relationships which make a positive impact in their lives. Our commitment is realized through listening & understanding their needs, and in the design and delivery of quality products and services. We treat them fairly and with respect.
Value of our people
We have empathy, mutual respect, trust and unconditional support for each other. We recognize the leadership potential in every individual and provide opportunities to learn and grow. We are a result oriented team and work together to achieve our goals and ‘enable success’.
Serving the Community
We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.
Striving for excellence
We have a passion to excel and strive for excellence in all that we do. We succeed when we have exceeded customer expectations. We encourage creativity and innovation and always “THINK BIG” to maximize our potential.
Integrity & Ethics
Integrity and ethics are the core of our value system and embedded in all that we do. We uphold dunia’s reputation with pride, and conduct our business with all stakeholders, customers and regulators with the highest ethical standards, and transparency. We are accountable for our actions.
Understanding your needs and requirements with sincerity 12
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Our unique value proposition
Dunia means ‘the world’. You mean the world to us. Come to a world that serves from the heart…where experience, knowledge and commitment create financial solutions ideally suited for you. We speak more than 30 languages and we understand that your needs and aspirations are different. At dunia, we offer you unbiased and tailor-made complimentary financial planning that opens new opportunities. Our unique value proposition We want to provide a wide range of customized financial solutions through superior products, service and relationship experience based on respect, with easy access through an empowered Relationship Manager, alternative access channels for convenience and speed, in order to provide for a better lifestyle and future for yourself and your family. Why choose dunia? • Get your own dedicated dunia Relationship Manager • Enjoy convenience and flexibility • Get attractive rates • Simple and hassle-free process • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial centers, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options dunia offers you… • Comprehensive “no obligation” financial planning • Personal loans to meet your unique needs • Attractive car loans • Secured loans • Flexible durable good loans • Education loans • Unmatched cash back and rewards from dunia platinum, gold and silver credit cards For detailed information on dunia please visit www.dunia.ae 14
Our unique value proposition
You have built your business with passion. Now duniatrade aims to serve your complete business and personal financial needs with similar passion… so you can always stay ahead. At duniatrade, we offer you and your staff a wide range of customized business and personal financial solutions. Whether personal loans, credit cards, deposits for your business or tailor-made financial planning services, we can assist you in growing your business and managing your personal finances. Our trained and certified duniatrade staff speak more than 30 languages. Our unique value proposition We aim to be a caring community-based financial services provider designed specifically to serve you through a superior relationship experience, empathy and respect, and with convenient, fast and easy access to credit. Why choose duniatrade? • Get your own dedicated duniatrade Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Simple and hassle-free process • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniatrade offers you with … • Comprehensive “no obligation” financial planning • Personal loans to meet your business and personal needs • Attractive car loans • Secured loans • Flexible durable good loans • Unmatched cash back and rewards from dunia platinum, gold and silver credit cards • Corporate fixed deposits to maximize your returns on your business funds For detailed information on duniatrade please visit www.dunia.ae 15
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Our unique value proposition
At duniamoney, we believe in going the extra mile just like your friends would do for you. Our friendly Relationship Manager is waiting to serve you and offer you unique tailor-made solutions just for you. So whether you need to send money to your family, buy your dream house back home, educate your children, or need some extra cash, duniamoney is here for you. Our unique value proposition To offer a community-based, superior service and relationship experience based on empathy and respect, while giving you access to easy credit, simple savings products, to meet your simple financial needs, in order to help you provide for a better future for yourself and family back home. Why choose duniamoney? • Get your own dedicated duniamoney Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Simple documentation • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniamoney offers you with … • Comprehensive “no obligation” financial planning • Personal loans to meet your unique needs • Attractive car loans • Secured loans • Education loans • Flexible durable good loans • Unmatched cash back and rewards from dunia silver credit card For detailed information on duniamoney please visit www.dunia.ae
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Our unique value proposition
At duniagold, we believe in taking the time to listen and understand your needs and offer you tailormade financial solutions to meet your needs comprehensively. We understand that a person like you has unique needs. Our personalized approach is simple and innovative. We offer a wide range of transaction, deposit, borrowing, saving and protection solutions to meet your sophisticated needs. Starting with the dunia ‘no obligation’ financial planner, we open the door to a world of opportunities. Our unique value proposition To be a provider of customized and tailor-made solutions that cater to your unique financial and lifestyle needs. We help you achieve your aspirational goals by providing a wide range of financial products and services and we deliver these with exceptional service and convenience through a single point of contact. Why choose duniagold? • Get your own dedicated duniagold Relationship Manager • Enjoy convenience and flexibility • Attractive rates • Priority account opening • Preferential pricing – the better your credit history with us, the better terms you get • Convenient access through our financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network • Free consolidated monthly statement Explore the options duniagold offers you with … • Comprehensive “no obligation” financial planning • Secured loans to meet your sophisticated needs • Attractive car loans • Flexible durable good loans • Education loans • Unmatched cash back and rewards from dunia diamond, platinum and gold credit cards For detailed information on duniagold please visit www.dunia.ae 19
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What makes us unique... Dunia offers a new concept in financial services that is unique and differentiated in the UAE. Dunia has built and is delivering a differentiated, customer-focused financial institution that serves the needs of the different customer segments. The entire dunia business model caters to specific customer needs identified through extensive market research. With this relationship-based model, dunia is a holistic financial solutions provider in the UAE market, for a multitude of consumer segments and financial needs. Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.
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The ‘dunia difference’
Dunia serves a wide spectrum of customers through its focused segments ‘dunia’ for the mass affluent customers, ‘duniamoney’ for salaried mass market, ‘duniatrade’ for the self employed mass market and small businesses and ‘duniagold’ for affluent consumers. Products and services are customized and a unique value proposition is tailored for each of these segments.
Corporate Affluent
Commercial
Mass Affluent SME
Self-employed Mass Market
Salaried Mass Market
Focus Segments
Segment Financials
People
• Trained & Competent • Empathic • Responsive • Customer Oriented • Ethical & Fair
Credit & Risk
Products
Collections & Rehab
Customer • Full range Relationship • Life-stage approach • Relationship pricing • Cross-sell benefits • Customized to needs
Process
Analytics
• Superior Service • Simple • Responsive Sales & • Error - free Distribution • Timely • Competent • Friendly
Our customer is at the center of everything that we do. Our business approach is a customer centric one and not a product led one. We begin by identifying a unique value proposition for each customer segment and then delivering against it... ‘Different strokes for different folks’
Product
Service (Hard) • Easy enabled process (e.g., short and simpler application form) • Over the counter indication of loan amount and EMI given (longest, largest, lowest) • Fast and accurate processing (e.g., over the counter account opening) • Dedicated branches for SMM segment
Operations
Marketing
Experience (Soft) • Staff recruited to match ethnic profile and trained • Positioned as ‘being for the customer”; brand name and positioning as ‘customer first’ • Efficient and customised branch design in line with customer behaviour
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The ‘dunia difference’
• Tailored product suite specifically targeted this segment • Simple to understand product suite • Comprehensive credit product offering • Efficient product bundling • Customer profile based credit fulfilment
Domestic Banks Foreign Banks Dunia Dunia distinctive value proposition
Price / return • Risk – based pricing for asset products • Tiered pricing based on customer profile, history and ongoing behaviour
Convenience • Credit program, document and income requirements based on understanding of customer profile • Located right in the center of community • Extended hour branches (e.g., flexible opening time based on locality)
Empowering the front-end & Paperless Processing
Our unique business approach is supported with world-class technology which empowers the front end and enables paperless processing. Single application form for all products is completed by the customer enabling the customer to experience a smooth application process. The front end is empowered through our dynamic rule engine which allows for instant credit decisioning which is quick, reliable and consistent.
Rule Engine Business Rules The paperless fulfillment process with image scanning capabilities for remote decisioning minimizing turnaround time for the customer.
Call Center
Branches
ATM
Dunia’s unique systems allow for 360 degree view of the customer relationship across all channels (Phone, On-line, Branch, ATM, Internet).
Internet
Relationship Manager
Dunia has developed a unique technology platform and has been awarded the Banker Middle East Industry Awards 2009 for ‘Best Use of Technology’. Dunia’s proprietary technology platform which has been custom built to support dunia’s unique value proposition and aligned to offer the customer an exceptional user experience, is now set to change how financial institutions do business going forward. 25
Tailor-made pricing and credit limits based on customer’s unique profile. Automatic process of rewarding customers positively for good credit behaviour.
Dunia’s data warehouse allows for analytics based decisioning which is consistent, fair to the customer, and tailor-made to the customer’s unique profile.
Strategic Analytics Unit
Revenue Effectiveness: Grow the top-line
Acquisition Mix, Ticket size X-sell opportunity Lead generation Customer lifetime value Line increase programs
Response Increase efficiency
Minimize Expenses, Unit Costs, Expense / ANR Turn around time, Approval rates, Error rates
Risk Minimize losses
Identify high risk segments - focus areas for credit & collections Loss absorption capacity, Application & Behaviour scoring
Data Warehouse
The dunia consolidated statement provides a single glance view for the customer of all his/her account details.
Dunia has partnered with world-class partners to deliver the best products & services to its customers.
Rajeev Kakar, Executive Director & CEO - Dunia (right) and Denzil Lawson, General Manager, ME & Levant - MasterCard Worldwide (left) signing the partnership agreement. 26
The ‘dunia difference’
Dunia’s interactive website www.dunia.ae is more than just a financial website. It is a site which provides customers with a single URL for all their day-to-day needs.
The 24-hour dunia contact center on +9714 42 – dunia (38642) is a fully manned contact center with staff that speak multiple languages. The call center is more than just an inquiry center, but is also capable of fulfillment for various products & services.
Dunia’s wide distribution network and multiple branches offer a unique experience for the customer as each is tailor-made to customer needs. Duniamoney branch
Duniatrade branch
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Make the right moves with dunia Lead a healthy life with a balanced financial plan Just like a balanced diet keeps you healthy, a balanced financial plan helps ensure your financial health… At dunia, we understand that every person is different and has different needs and hence, we can assist you in developing a customized plan for you that outlines the road to reaching your long-term financial goals and securing a brighter future for you and your family. This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a FREE financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to take advantage of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor. Your dunia planner is designed to offer you an illustrative and unbiased tailor-made plan, addressing your personal goals and aspirations through the different stages and milestones of your life. This illustrative plan helps you answer some key questions…. • Do you have enough cash to meet unforeseen emergencies? • Do you have a retirement home? If not, how do you start saving for it today? • Have you saved enough for your children’s education? • Are you prepared for and protected against unforeseen circumstances? • Do you have enough savings for retirement? In one snapshot, you get your tailor-made financial plan which is uniquely designed only for you…
This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to avail of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor. Dunia does not facilitate the purchase of investment products and undertakes no liability or responsibility for the dunia planner provided.
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Offering a world of financial solutions to meet your unique needs
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Credit cards from dunia Platinum, Gold and Silver Cards Key benefits 1 • Up to 2% unlimited CASHBACK and rewards • Exclusive dining and shopping privileges • Comprehensive travel benefits 2 • Dunia Fly Safe travel accident insurance benefits with coverage up to $30,000 • 24-hour access through dunia contact center and dunia online • Convenient utility bill payments • Acceptance at over 28 million merchants worldwide, displaying the MasterCard Worldwide logo • Up to 4 free supplementary credit cards • Enhanced security with dunia photo card option • Peace of mind with dunia’s Fraud Intelligence & Tracking System (FITS)
Credit Cards
Personal Loans
Durable Good Loans
Education Loans
Car Loans
Corporate Deposits
1Cash back of 2% for the dunia Platinum Credit Card, 1.5% for the dunia Gold Credit Card and 1% for the dunia Silver Credit Card. All offers are subject to change at the sole discretion of Dunia Finance L.L.C. 2Insurance products are offered through third party providers, currently AIG. Dunia simply facilitates the provision of insurance products to its customers and processes payments of premium from the customers and forwards them to the insurer. Terms and conditions apply and are subject to change without prior notice and are available upon request. For the current terms and conditions visit www.dunia.ae. Credit card and loans are provided at the sole discretion of Dunia Finance L.L.C.
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Personal loans from dunia Dunia gives you the freedom to tailor make your loan to match your unique needs, at attractive interest rates and the tenor of your choice. Whether you need a loan for your child’s education, to renovate your home, to enhance your business or for that dream vacation, dunia is the place to go. Key benefits • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions
Credit Cards
Personal Loans
Durable Good Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
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Education Loans
Car Loans
Corporate Deposits
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Durable good loans from dunia If you are dreaming of a fabulous home theatre or a new laptop or planning to buy new furniture for your home or office, dunia will provide you with the most convenient way to realise that. Key Benefits • Buy a range of durable products at outlets conveniently located near you • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions
Credit Cards
Personal Loans
Durable Good Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
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Education Loans
Car Loans
Corporate Deposits
Education loans from dunia Dunia cares and can help you take your education further. This is why dunia has a dedicated higher education loan to enable you to do exactly that. Key benefits • Flexible loans to suit your education needs • Repayment options tailored to meet your cash flow needs • Simple and hassle-free process • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions
DUNIA
@ SCHOOL
Credit Cards
Personal Loans
Durable Good Loans
Education Loans
Car Loans
Corporate Deposits
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
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Car loans from dunia Dreaming of buying a new car or upgrading the one you have? With attractive finance options from dunia, owning your dream car is now easy. Drive away your dream car with a dunia car loan! Key benefits • Wide dealer network • Tenors ranging from 1 – 5 years • Flexible loans to suit personal needs • Simple and hassle-free process • Fastest approvals • Attractive interest rates • Tiered pricing – the better the credit history, the better terms our customers get • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions
n also You ca h-in ar cas get a c ! Y A OD loan T
Credit Cards
Personal Loans
Durable Good Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
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Car Loans Education Loans
Education Car Loans Loans
Corporate Deposits
Corporate deposits from dunia With dunia’s corporate fixed deposits you can maximize your returns on your business funds. You can earn higher interest rates than a current account, and it‘s a simple and safe way to invest money. Key benefits • Lock in higher rates for longer tenors • Flexible tenors from 1 month to 36 months • Liquidity through a loan against your deposits of up to 90%of deposit amount • Dedicated Relationship Manager • 24-hour phone and internet banking services
Credit Cards
Personal Loans
Durable Good Loans
Education Loans
Car Loans
Corporate Deposits
Terms and conditions apply.
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Offering unmatched benefits, rewards and privileges for your staff
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Dunia@work Dunia brings you the world of financial opportunities… right to your workplace! Dunia@work program enables your employees to benefit from the strength of your organization. We offer your staff and your organization financial solutions ranging from corporate deposits to personal loans, durable good loans, auto loans, credit cards and financial planning... all bundled with unmatched discounts, unique rewards, exciting privileges and exclusive terms for your organization. Key benefits • Wide product range to meet company and personal employee needs • Exclusive terms and pricing for your staff • Fast and hassle-free process • Dedicated dunia Relationship Manager who provides personalized service and unique tailormade solutions at your door step
Credit Cards
Personal Loans
Durable Good Loans
Car Loans Education Loans
Car Loans
Corporate Deposits
Terms and conditions apply. Credit cards and loans are provided at the sole discretion of dunia.
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Dunia touch points Anytime... Anywhere... 24-hour dunia contact center on 04 42-dunia (38642) • Inquire about your account details • Convenient bill payments • Simple applications for new products • Update your records Dunia online • Access your account details • View your account statements • Convenient bill payments • Simple applications for new products • Send service requests www.dunia.ae • View the latest product information • Live news feeds • Read the financial market commentaries and articles • Entertainment, dining, hospital, car showroom listings, etc. Visit us at our financial centers Walk in to your closest dunia financial center. To locate the nearest dunia branch to you visit www.dunia.ae Email us Write to customerservices@dunia.ae and a dunia representative will get back to you
Dunia contact center 41
Personal Loans Dunia on-line
DurableWebsite Good Loans
Car Loans Financial Centers
Car Loans E-mail
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Our people are our key strength Diversity We believe in diversity, equal rights and creating an open, caring culture – the very heart of our values. We have over 30 nationalities and our people speak more than 30 languages.
Human capital We believe that people are a key pillar of our strength and will set us apart and continually provide our customers with a service beyond their expectations. We have selected top talent from around the world, based on their potential, energy, passion, and entrepreneurial enthusiasm.
Commitment Each and every employee plays a critical role in the success of our company. It is therefore our endeavor to provide individuals with a great place to work where they can build lasting relationships, and where talents are recognized, encouraged and rewarded. Most importantly, dunia will be a place where people can learn, grow and have fun.
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Training and certification When people join us, they are enrolled into the dunia academy, which is our center of excellence for learning and development, and enrolled in a curriculum designed for their specific role. They are involved in team work, online and classroom training and they are supported by a dedicated Training & Development Team.
At dunia, we help individuals add to their learning & skills and nurture their individual talents through engagement, structured learning and mentoring, and by giving them the opportunity to take ownership of their development. We believe in providing learning in a range of styles that best suit each individual’s needs and preferences.
‘Kawader’ program As a responsible corporate citizen, dunia is committed to a attracting, recruiting, training and developing talented UAE nationals. Dunia offers a variety of full-time and part-time programs for UAE nationals to help develop their skills and gain exposure to global best practices.
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Dunia Cares... “Save the future” Dunia Cares vision To care and make a difference in the lives and future of our community. Giving back to the community is at the core of dunia’s values and beliefs. We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.
SAVE THE FUTURE
Empower
Enrich
Enable
Products
EXPERTISE
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Shape the Future
REGULATORY
DUNIA TEAM
HEALTH
EDUCATION
Save for Future
AUTHORITIES
ENVIRONMENT
YOUTH
SOCIAL RESPONSIBILITY
CUSTOMER
Services
SOCIETY
Safe in Future
INDUSTRY
Preserve the Future
CUSTOMER
STAKE HOLDERS
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Through our spirit of volunteerism, we serve our community, respect their traditions and enrich their lives. In big and small ways, we do what we can to make a difference
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Taking a closer look... Dunia ‘Speak Easy’ English Language Program March ‘09 - As part of our Dunia Cares programme, our commitment is to empower our community through education. Dunia launched this program which is aimed at empowering office helpers, security guards, drivers and messengers with basic conversational English skills. The program has 31 students in the first batch. Dunia staff were instrumental in making this program a success by preparing the course material and delivering the weekly sessions to students.
Blood Donation Drive January ‘09 - We believe in promoting wellness, and doing what we can to help one another - especially if we can help save lives. To do this, we partnered with blood banks across Dubai and Abu Dhabi to encourage staff and public to donate blood. Dunia and the local community supported the cause and made a big difference as over 140 donors came to the event and gave blood. This initiative was recognised by the Government’s Department of Health & Medical Services who recognized dunia’s contribution and support.
Shoe Box Appeal October ‘08 - Dunia held a week long event in an effort to collect essential daily items for construction workers It was an organization wide effort as employees were split into 5 teams, each competing to collect the most items. In this friendly contest and fun event, the team managed to collect over 3,300 items that were later distributed to construction workers, putting a big smile on their faces.
Special Needs Center Fun Bazaar November ‘08 - The Special Needs Families Center aids young adults with special needs. Dunia worked hand-in-hand with the Center to hold a Fun Bazaar fund raising event whereby dunia staff took part in various activities to make it a successful event. Over AED 100,000 was raised at the event.
Pink Walkathon November ‘08 - Breast cancer is the most common form of cancer among women in the UAE. Dunia employees participated in the Pink Walkathon to raise awareness for this disease and support the cause by collecting funds that went towards cancer relief programs. 48
Dunia press room Special recognition for supporting and developing UAE talent
Rajeev Kakar, Executive Director & CEO - Dunia (left) receiving the award from HH Ruler of Sharjah, Sheikh Dr. Sultan Bin Mohammed Al Qasimi. May ’09
Hend Al Ali, HR Manager - Dunia was recently honoured with the “Emiratization Champion” award by the Government of Dubai. Nov ’08
Dunia awarded Banker Middle East Industry Awards 2009 for ‘BEST USE OF TECHNOLOGY’
Rajeev Kakar, Executive Director & CEO - Dunia (center) being given the award by Nigel Rodrigues, CEO - CPI Financial (right) and Robin Amlot, Managing Editor - CPI Financial (left). Jun ’09 49
Dunia well positioned as a responsible lender Gulf News, May 2nd, 2009
Positive outlook from Dunia Emirates Business 24x7, April 8th, 2009
Ministry of Finance and Dunia Finance sign agreement to perform bank guarantee E-registration service Al Itihad, June 24th, 2009
Dunia confirms opportunities in UAE market despite the crisis Al Itihad, June 28th, 2009
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Dunia brand Brand Philosohpy Our ‘can do’ attitude and positive approach to finance will make every aspect of banking simple. Moreover, we are dedicated to becoming the most trusted and accessible financial brand on the market, via our extensive branch network and dedicated staff. What does dunia mean? Dunia means “the world” in several languages (Arabic, English, French, Russian, Tagalog, Hindi, Malayalam, Tamil, etc.) spoken in the UAE and the world. Dunia will mean ‘a better world’ to the millions of people that we serve. Brand Beliefs We believe that all individuals, regardless of race, gender, nationality or social status have the right to be treated with respect We believe in constantly providing relevant services & incentives We believe simplicity can be achieved in finance We believe in being part of the communities we serve We believe a positive attitude will show across all our departments and put a smile on our customer’s face
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Dunia ad gallery
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Our board of directors
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Salem Rashid Al Noaimi
Chairman Salem Rashid Al Noaimi is CEO of Waha Capital PJSC. Salem was previously the Deputy CEO of the company and CEO of Waha Leasing, a wholly-owned subsidiary of Waha Capital. Prior to that, he worked in the investments department of Dubai Islamic Bank. His previous work experience includes stints at Dubai Islamic Bank, UAE Central Bank, the Abu Dhabi Fund for Development and Kraft Foods. Salem holds a Bachelor’s Degree in Finance and International Business from the Northeastern University in Boston, USA. Currently, Salem holds board directorships of several local and regional companies such as Abu Dhabi Ship Building, Siraj Finance, Mena Infrastructure Fund and Bahrain’s Addax Bank.
Rajeev Kakar
Executive Director & CEO Rajeev is the Executive Director and Chief Executive Officer of Dunia Finance, headquartered in UAE. He is also concurrently the Regional CEO for the Central Europe, Middle East and Africa (CEEMEA) region for Fullerton Financial Holdings (FFH), and the Executive Vice President & Senior Global Management Committee Member of FFH in Singapore. In this role, he heads Consumer Banking for all of Fullerton’s Bank & Financial Services Operations, Investments and Holdings, across the globe. Rajeev is a Director on the board of Fullerton Securities Wealth Advisors (FSWA), headquartered in India and was also an Independent Director on the Board of Visa International for the CEEMEA region, between July 2004 and February 2006. Until January 2006, he was the Regional Head & CEO for Citibank’s Global Consumer Bank, managing the Turkey, Middle East and Africa region, based out of Dubai. Rajeev has more than two decades in the banking industry in various senior and diverse business and functional roles across various geographies. Rajeev has an MBA with a major in Marketing and Finance from the Indian Institute of Management (IIM), Ahmedabad, India and graduated in 1987. He also has a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.
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Francis Rozario
Director Francis Rozario is the Director of dunia, and CEO of Fullerton Financial Holdings Pte Ltd. Prior to his current appointment, he was the President Director of Bank Danamon in Indonesia where he spearheaded the successful transformation of the Bank into a major all-purpose financial services provider in the local market. Rozario is presently the Chairman of NIB Bank Ltd (Pakistan), Fullerton India Credit Company (India) and Fullerton Enterprises Pvt Ltd (India). A veteran banker, Rozario spent close to 30 years of his career with Citigroup International. In his last appointment at Citibank, Francis was based in London as the Global Head for Commercial and SME Banking. He holds a Bachelor’s degree from Sydenham College of Bombay University in 1974. He also attended the Program for Management Development at Harvard University in 1987.
Khaled Abdulla Juma Al Qubaisi
Director Khaled Abdulla Al Qubaisi is Senior Advisor, Acquisitions at Mubadala. He is also currently Managing Director of Tabreed and sits on the Tabreed Board of Directors. Khaled joined Mubadala from International Capital where he was the Chief Investment Officer. Prior to International Capital he was Head Corporate Finance & Business Development at National Bank of Abu Dhabi where he was responsible for advising companies on funding requirements, placing debt and equity, and structuring investment products for the Bank’s retail and private banking division. Khaled currently sits as Chairman of the National Health Insurance Company ‘DAMAN’ and is a board member of International Fish Farming Company ‘ASMAK’, Manazel Real Estate Company as well as the National District Cooling Company ‘Tabreed’, and has been a member of the Chartered Financial Analyst Institute since 2003. He holds a BA in Finance and Operation Management from Boston University and an MSc from George Washington University in Washington, DC.
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Dr. Ahmed Khalil Al-Mutawa
Director Dr. Ahmed Khalil Al-Mutawa is a respectable academic professional, as he progressed in his academic career since he held his B.A. in Economics from Cairo University in 1978, M.A. in Economics from University of North Carolina in 1981, and Ph.D. in Economics (with Distinction), Georgetown University, Washington, D.C. in 1991. As a professor, he held the position of the Chairman of the Economics Department, and in 1997 became Deputy Vice Chancellor for Planning (DVCP), United Arab Emirates University. H.E. Dr. Al-Mutawa had occupied many important positions, among which: Head of Teaching Assistants; Executive Director, Al-Mustaqbal Economic & Strategic Consultations; Strategic Development Director at MMI, Deputy Vice Chancellor for Planning (DVCP), United Arab Emirates University. His latest position has been Secretary-General of Gulf Organization for Industrial Consulting. Dr. Al-Mutawa has been member in many Associations, Organizations and Boards of Directors on both local and international levels. Recently, he won the award for industry CEO of the year 2005. He has contributed many publications, papers, research and studies.
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Our management team
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