International Retail Banking Summit in Pakistan

International Retail Banking Summit in Pakistan www.efma.com/Karachi Best models for promoting financial inclusion in an emerging market Pakistan has undergone a significant transformation over the last decade in terms of expanding banking services to previously unbanked segments of the population, as well as addressing new emerging issues.

The main topics to be discussed at the conference will include: Branchless banking: the best models for reaching out to the un-served and underserved customer segments Better access to financial services for the poor Other issues to be discussed during the conference will include: Efficiency, business continuity and risk management in a frontier market Driving cultural change towards a customercentric organization

We would like to thank State Bank of Pakistan for offering us the support needed to make this meeting a successful event.

26 November 2014 – Karachi Saeed Ahmad Deputy Governor State Bank of Pakistan

Syed Nadeem Hussain Founder, President and CEO Tameer Microfinance Bank

Rashid Bajwa Chairman Policy Committee of PMN and CEO NRSP Pakistan Microfinance Network

Faiq Sadiq Group Head, Payment Services HBL

Abrar Ahmed Mir EVP and Group Head Branchless and e-Banking United Bank Limited

Qasif Shahid Head Digital Banking and Business Development MCB Bank Pakistan

26 November 2014 Karachi

WEDNESDAY 26 NOVEMBER 2014

MORNING 9:15

Tea/Coffee and registration

09:45

Welcome note

10:00

Saeed Ahmad Deputy Governor State Bank of Pakistan

Opening keynote

10:20

Syed Nadeem Hussain Founder, President and CEO Tameer Bank

Financial inclusion: the roadmap to economic empowerment

10:40

PANEL DISCUSSION ON FINANCIAL INCLUSION ow can the retail financial services industry best serve the poorer segments?

H Who should be allowed to provide banking and retail financial services to the poorer and remote segments of population?

How have successful players served the previously underserved segments of population?

Should the regulator facilitate or make mandatory the provision of financial services to the poor by retail banks?

Does the provision of financial services to the poor require specialized institutions or can traditional banks profitably serve low income customers? & Ghazanfar Azzam, President, CEO, Waseela Microfinance Bank & Rashid Bajwa, Chairman Policy Committee of PMN and CEO NRSP, Pakistan Microfinance Network & Asher Hasan, Founder and Chief Executive Officer, Naya Jeevan & Syed Nadeem Hussain, Founder, President and CEO, Tameer Bank

11:10

Tea / Coffee Break

11:40

Omar Moeen Malik Head of Strategy & Projects, Easypaisa Telenor Pakistan

Easypaisa: how branchless banking is empowering society as the way forward

12:00

Halil Ozcan Internet & Mobile Banking Manager TEB

Implementing a new innovative approach to alternative distribution channels to drive sales and service

26 November Karachi2014 Karachi 262014 November

WEDNESDAY 26 NOVEMBER 2014

MORNING 12:20

PANEL DISCUSSION ON BRANCHLESS BANKING What are the best models to reach out to the un-served and underserved customer segments without relying on the traditional brick and mortar structure?

Is branchless banking a threat or an opportunity for retail banks to expand their base by collaborating with mobile phone operators?

How to create a compelling, convenient and cost-effective user experience in mobile banking to acquire and retain customers.

How to harvest the right data and deploy the right IT strategies to segment customers and provide relevant solutions to mobile banking customers.

Does the 80/20 rule apply in branchless banking?

How to manage risks, especially those related to securing transactions and devices in order to prevent fraud and boost the confidence of mobile banking customers and encourage them to expand their use of m-banking services?

Faisal Ejaz Khan, Chief Executive Officer, 1Link & Arnaud de La Chapelle, President Russia, Middle East & Africa, Oberthur Technologies & Omar Moeen Malik, Head of Strategy & Projects, Easypaisa, Telenor Pakistan & Abrar Ahmed Mir, EVP and Group Head, Branchless and e-Banking, United Bank Limited & Qasif Shahid, Head Digital Banking & Business Development, MCB Bank Pakistan

12:50

13:10

Faiq Sadiq Group Head, Payment Services HBL

HBL: a case study in providing efficient worker remittance services

PANEL DISCUSSION ON WORKER REMITTANCES an banks profitably offer cheap remittance services to migrant workers?

C What are the most profitable models for providing fast and cost-effective international money transfer services?

How can the transaction costs of worker remittances be cut?

What role can domestic and cross-border payment infrastructures play in bringing down the transaction costs of worker remittances?

How can banks leverage worker remittance transactions to channel growth in customer deposits and expand consumer loans?

Hamid Farid, Regional Director, Pakistan & Afghanistan, Western Union Financial Services & Faiq Sadiq, Group Head, Payment Services, HBL & Aali Shafi, Business Head, Transaction Banking, MCB Bank

13:40

14:40

Lunch PANEL DISCUSSION ON ISLAMIC BANKING Ali Allawala, Head, Islamic Banking, Retail Clients, Standard Chartered Bank Pakistan & Mohammad Raza, Group Head Consumer Banking & Marketing, Meezan Bank

15:10

Chairman’s concluding remarks

15:20

Vote of thanks

15:30 End of the conference 26 November Karachi2014 Karachi 262014 November

About us

Efma is a not-for-profit organisation formed in 1971 by bankers and insurers to encourage their colleagues to share experiences, promote the best practices of their institution, and collaborate through alliances and partnerships. The organisation brings together more than 3300 retail financial services companies from over 130 countries.

With a membership base consisting of almost a third of all largest retail banks worldwide, Efma has proven to be a valuable resource for the global industry, as it offers the retail financial service community exclusive access to a wide array of resources, databases, studies, articles, news feeds and publications.

Efma also provides numerous networking opportunities via working groups, online communities and international meetings. Each year, Efma holds a series of stimulating and thought-provoking international conferences.

These events attract a wide selection of international speakers from financial institutions willing to exchange views with the financial community. Leading industry experts from many different disciplines are also invited to present their reports published in partnership with Efma.

Dear Sir, Madam, We are delighted to announce that Efma will be hosting its International Retail Banking Summit in Karachi, Pakistan on 26 November 2014.

Pakistan has become a fascinating banking landscape due to all the recent significant transformation it has undergone: expanding banking services throughout its population, with branchless banking, microfinance, Islamic banking and mobile wallets.

This event will ask what the best models are for reaching out to the unbanked, and how the retail financial industry can provide better access to financial services to the poor. Speakers will include some of the leading bankers from the region and the event will provide excellent opportunities for discussion and networking.

To find out more about the event, check out the website on www.efma.com/Karachi or contact my colleagues Raheel, raheel@efma.com and Hera, hera@efma.com.

We look forward to welcoming you in Karachi!

Kind regards, Patrick Desmarès CEO Efma Patrick Desmarès CEO Efma

26 November 2014 Karachi

REGISTRATION FORM

INTERNATIONAL RETAIL BANKING SUMMIT IN PAKISTAN 26 November 2014 – Karachi, SBP Learning Resource Centre Auditorium

ATTENDEE’S INFORMATION Mrs.

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Institution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . VAT ID number (if applicable) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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Assistant’s information (or person in charge of the registration) First name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Last name . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Tel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

PRACTICAL INFORMATION DATES The conference will begin with a welcome tea/coffee on Wednesday 26 November 2014 at 9:15 and will end around 15:30.

VENUE SBP Learning Resource Centre Auditorium I.I. Chundrigar Road Karachi LANGUAGES All sessions will be held in English.

REGISTRATION The registration fee covers participation in the conference, documents, lunch and tea breaks.

Registration fees must be paid in full prior to the event. Efma reserves the right to refuse entry to any delegate who has not paid his or her invoice prior to the event. We welcome late-bookers, but credit card information must be provided.. We welcome late-bookers, but credit card information must be provided.

REGISTRATION FEE

CANCELLATION All cancellations must be received in writing.

A 20% cancellation fee will be charged for all cancellations received on or before Monday 3 November 2014. The full fee will be charged for cancellations made after that date, as well as to delegates who are unable to attend on the day, unless a substitute delegate is provided.

Substitutions are accepted at any time.

SOCIAL NETWORKING

Free for Efma Members* *For more than 5 delegates from the same institution, the the cost of the pass will be US$500 for Pakistan banks and US$650 for regional banks Efma non-member financial institutions

Pakistan financial institutions: US$500

Regional financial institutions: US$650 Other non-financial institutions

Pakistan non-financial institutions: US$650

Regional non-financial institutions: US$1000

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