Why the opportunity for innovation has never been greater

For so many, 2020 has been a year of continuity and survival. The thought of breaking new ground may seem farfetched for those that aren’t one of the few sectors that have grown this year. Is innovation even achievable, when everyone is working flat out just to keep operational?

Perhaps it is better to reframe the question – in a disrupted world, is innovation the difference between success and failure? History shows that is the case. The ability to move fast, to develop and deploy new services, is fast becoming the differentiator between winners and losers. Perhaps before the pandemic losing meant falling behind the curve; now, it can spell the end of a business.

It is certainly changing the way we all do business. A McKinsey and Co study1 found that “more than 90 percent of executives said they expect the fallout from COVID-19 to fundamentally change the way they do business over the next five years, with almost as many asserting that the crisis will have a lasting impact on their customers’ needs.” Furthermore, 70 percent believe that the changes brought about by the virus will be a big opportunity for growth.

Of course, being able to see those opportunities, and seize them, are two different things. The same study noted that just a fifth of respondents felt confident in their ability to seize new growth opportunities.

How then do organisation develop that capability to seize opportunities, to innovate in such a way that drives success?

The two sources of innovation

Broadly speaking, there are two sources of innovation – internal and external. The latter can come from third parties, from partnerships and joint ventures. There is a long and storied history of businesses with complementary services aligning themselves with one and other to innovate – these days, it might be a major corporate partnering with a disruptive start-up to share resources, ideas and processes, with both sides benefiting from the other’s unique characteristics.

It might even stretch to a merger or acquisition, depending on the size of the companies involved.

Internal innovation comes from within the business and involves having the right systems and processes in place to support the creation of ideas. From training to dedicated innovation time, clearly defined structures to sandboxes or incubation labs for promising ideas, businesses can foster the stimulation and propagation of ideas to identify new ways to capitalise on opportunities.

Picking the best of both

So, what’s the best approach? Should companies look externally, or should they focus on what they can generate internally?

Again, this is a question that needs reconsidering – it is not about the best approach, but about what suits the company in question. Trying to build an internal culture of innovation from scratch is time consuming; if there is no history of innovation, then looking to third parties and ‘buying-in’ that innovation might be more appropriate. Equally, a track record of internal innovation would suggest that perhaps value would be achieved more quickly by focusing on what existing employees and teams can generate with the right guidance.

Then there’s a hybrid approach, where partnering with external parties can align with internal creativity, so that new perspectives are interwoven with established, proven processes and structures.

The importance of culture in innovation

What each of these paths require is that the right culture is in place in order to succeed. What does that look like? It’s a culture that is actively seeks out new ways of working, that knows how to foster, rather than reject, ideas, and that can incubate them so that some become tangible solutions. Just as importantly, it’s a culture that recognises the value in those innovations that don’t become products or services.

While that may seem obvious when going down the internal route, it is just as important when focusing on external or hybrid possibilities. That’s because a company’s culture needs to be open to new ideas for an external partnership or venture to work. It must be receptive to different ways of working – the whole point of the partnership is to add something new, to bring what was missing to the organisation. Even if the purpose is to facilitate the acquisition of new technology or services, so much of a company’s culture is bound into their offering’s DNA that to reject it is to risk failing to realise the full value of the potential benefits available.

Being ready to seize opportunities

Businesses that want to succeed need to be innovative. That will mean different things to different organisations, but at its heart it’s about being able to identify and foster ideas that could become impactful services or products. Now is not the time to stop innovating – to do so is to miss the opportunities on offer. In fact, now is the time to make sure the right culture is in place, so that whether innovation comes from within or outside the company, organisations are ready to take their chances. Ekaterina Petrova Managing Director GenerationS Corporate Accelerator

Ekaterina Petrova is Managing Director of GenerationS Corporate Accelerator and has more than 10 years’ experience with innovation investment projects and innovation consulting services for corporations and government entities. Ekaterina is a finalist of the EY Business Women 2020 competition.

1

Am, J., Furstenthal, L., Jorge, F., & Roth, E. (2020, December 14). Innovation in a crisis: Why it is more critical than ever. Retrieved January 09, 2021, from https://www. mckinsey.com/business-functions/strategy-and-corporate-finance/our-insights/ innovation-in-a-crisis-why-it-is-more-critical-than-ever

Global Banking & Finance Awards® 2020 AWARD WINNERS

Global Banking & Finance Review is privileged to honour those financial institutions who have achieved outstanding results and who stand out in their particular area of expertise in the banking and finance industry. Global Banking & Finance Review would like to congratulate the award winners and look forward to their continued success. The awards were created to recognize companies of all sizes that are prominent in particular areas of expertise and excellence within the financial community. They reflect the involvement of leading financial organizations and recognize the accomplishment, achievement, innovation, strategy, progressive and motivating changes taking place within the financial sector.

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Nedbank Ltd Best Banking Technology Implementation South Africa 2020 BPC Best Banking Technology Overhaul Africa 2020 BPC Best Banking Technology Overhaul LatAm 2020 Absa Bank Moçambique, SA Best Banking Technology Overhaul Mozambique 2020 POTENZA Best Banking Technology Solution Provider Sri Lanka 2020 Diebold Nixdorf Best Banking Technology Solutions Provider Europe 2020 SignDesk Best Digital KYC/On-boarding Application India 2020 I&M Bank Ltd Best Digital KYC/On-boarding Initiative Kenya 2020 Signicat Best Digital KYC/On-boarding Programme Europe 2020 Rizal Commercial Banking Corporation Best Financial Inclusion Technology Solutions Provider Philippines 2020 Access Bank Zambia Limited Best Financial Inclusion Technology Solutions Provider Zambia 2020 CredoLab Pte Ltd Best Fintech Partnership Philippines 2020 Publicis Sapient and Lloyds Banking Group Best Fintech Partnership UK 2020 ACI Worldwide Best Information Security and Fraud Management

1st National Bank St.Lucia Limited

Technology Provider North America 2020 CREDO Best Information Security and Fraud Management Technology Provider UAE 2020 Particeep Best Open Banking APIs Europe 2020 Profile Software SA Best Treasury Management Software Solution Provider Europe 2020 Millikart Best Information Security and Fraud Management Prof. Benedict O. Oramah, President, African Export-Import Bank Banking CEO of the Year Africa 2020 Abdulhakeem Y. Alkhayyat, Kuwait Finance House Bahrain B.S.C. (c) Banking CEO of the Year Bahrain 2020 Johnathan J. Johannes, Managing Director, Banking CEO of the Year Banking St Lucia 2020

Technology Provider Azerbaijan 2020

Julian Kingsley Opuni, Managing Director, Fidelity Bank Ghana Ltd Banking CEO of the Year Ghana 2020 Mr Vytautas Sinius, Šiaulių bankas Banking CEO of the Year Lithuania 2020

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Charles Asiedu, EcoBank Malawi Rui Barros, Absa Bank Moçambique Mr. Christopher Loh,uab bank Limited Adegoke Adegbami, Mainstreet Microfinance Bank Ms. Mizinga Melu,Absa Bank Zambia PLC Diego Solano Saravia, Grupo Aval Ms. Leong Yang Yang, uab bank Limited BNP PARIBAS RISK INNOVATION OFFICE MYAWADDY BANK LTD Fidelity Bank Ghana Ltd Bank Saint-Petersburg Public Joint-Stock Company Access Bank Zambia Limited RHB Bank Berhad Odeabank Vietnam International Bank (VIB) ClauseMatch KCB Group Plc KCB Group Plc Saudi Fransi Capital Kada Poroman Microfinance Limited KCB Group Plc Ajiad Securities Relevance Gulf Marcom Gnomi Ltd Media Unit DMCC – Cineklik.com Myanmar Creative Idea Inmarc Advertising Pvt Ltd Saudi Signs Media Bangkok Commercial Asset Management Public Company Limited Skyline Aviation (Pvt) Ltd Vision Concept Aviation Training Institute First National Bank Botswana United Bank for Africa BAC International Bank Inc Banque MISR EcoBank Malawi Azizi Bank BFL BRED Group Bank Dhofar Absa Bank Uganda Limited Zenith Bank plc Standard Chartered Bank Maga Engineering Pvt. Ltd Eurofast Global SLTD Microbits CliQAfrica Limited FIRST FRIENDS CAMPUS Electric Networks of Armenia Vallibel Finance PLC NMK Superfood

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Stanbic IBTC Holdings WESTERN INTERNATIONAL GROUP Singlife Generali Osiguranje Srbija LLC BIMA INSURANCE Noor Takaful CEDAR INSURANCE BROKERS LLC Al Rajhi Bank Cserve Technologies, Lda Al Omaniya Financial Services Co (SAOG) Singer Sri Lanka Korzinka Nairobi Securities Exchange PLC Salma Markets Takaful Oman Insurance S.A.O.G. Websolutions Agency SCAND Ltd Alta Software Techlogix HFTrading SMC COMEX INTERNATIONAL DMC Forex4you GAIN Capital Australia Pty Ltd. TrioMarkets Ltd Orbex PT Octa Investama Berjangka Ajiad Securities Royal Pure Gold FBS Orbex INTER PAN OctaFX Nigeria GoldFX Investment Co., Ltd. Admiral Markets Group AS INFINOX Henyep Capital Markets Standard Chartered Bank Arab Financial Investment Company Century Financial Consultancy LLC FBS Trader – Trading Platform Ak Investment easyMarkets Cathay Securities Corporation Gedik Investment TrioMarkets Ltd TradeFWBest Multi Ak Investment Noor Capital – UAE PT. Handal Semesta Berjangka (HSB Investasi) BDSwiss RoboForex

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OctaFX Freedom Finance Germany TT GmbH Portfolio Personal Inversiones Freedom Holding Corp Cathay Securities Corporation SICO BSC (c) Sofia International Securities JSC ACLEDA Securities Plc Bci Corredor de Bolsa InterCapital Securities TrioMarkets Ltd AAA Trade Ltd. Fijistock Brokers Limited NBG Securities Guotai Junan International Holdings Limited Invest Banca AmInvestment Bank Berhad: AmEquities BDSec JSC Attijari Intermédiation EFG Hermes Oman LLC Cathay Securities Corporation Orbit Securities Co Ltd Kiatnakin Phatra Securities Public Company Limited Halk Invest Al Ramz ICU Orient Capital Management LLC Armenia Securities Exchange FBS Copy Trade Fullerton Markets International Limited Amman Stock Exchange Central Asian Stock Exchange Republican Stock Exchange Toshkent ARAB African International Securities JSC Heritage Securities Freedom Finance Germany TT GmbH LLC Prime Invest Fullerton Markets International Limited FxGrow Portfolio Personal Inversiones Cathay Securities Corporation RoboMarkets Salma Markets Mario Singh, Fullerton Markets International Limited Mr. Sergei Bogatenkov, Admiral Markets Group AS Kevin Brady, A2X Markets Royal Chartered Bankers CAPEX.com Royal Chartered Bankers SmartCharts SmartCharts

Best Partnership Program South East Asia 2020 Best Research House / Best Investment Research Germany 2020 Best Research House Argentina 2020 Best Research House Central Asia 2020 Best Research House Taiwan 2020 Best Securities Brokerage Bahrain 2020 Best Securities Brokerage Bulgaria 2020 Best Securities Brokerage Cambodia 2020 Best Securities Brokerage Chile 2020 Best Securities Brokerage Croatia 2020 Best Securities Brokerage Cyprus 2020 Best Securities Brokerage Europe 2020 Best Securities Brokerage Fiji 2020 Best Securities Brokerage Greece 2020 Best Securities Brokerage Hong Kong 2020 Best Securities Brokerage Italy 2020 Best Securities Brokerage Malaysia 2020 Best Securities Brokerage Mongolia 2020 Best Securities Brokerage Morocco 2020 Best Securities Brokerage Oman 2020 Best Securities Brokerage Taiwan 2020 Best Securities Brokerage Tanzania 2020 Best Securities Brokerage Thailand 2020 Best Securities Brokerage Turkey 2020 Best Securities Brokerage UAE 2020 Best Securities Brokerage Ukraine 2020 Best Securities Brokerage Uzbekistan 2020 Best Securities Exchange South Caucasus 2020 Best Social Trading Application MENA 2020 Best Social Trading Platform Asia Pacific 2020 Best Stock Exchange Middle East 2020 Best Stock Exchange Tajikistan 2020 Best Stock Exchange Uzbekistan 2020 Best Stockbrokers Egypt 2020 Best Stockbrokers Georgia 2020 Best Stockbrokers Germany 2020 Best Stockbrokers Tajikistan 2020 Best White Label Solution Provider Asia Pacific 2020 Best White Label Solution Provider Cyprus 2020 Most Innovative Online Broker Argentina 2020 Most Innovative Online Broker Taiwan 2020 Most Innovative Trading Platform (MT5) Europe 2020 Most Innovative Trading Platform Indonesia 2020 Brokerage CEO of the Year Asia Pacific 2020 Brokerage CEO of the Year Europe 2020 Stock Exchange CEO of the Year South Africa 2020 Best New Forex Broker GCC 2020 Best New Forex Broker Middle East 2020 Best New Partnership Program / IB Program Middle East 2020 Most Innovative New Trading Platform Australia 2020 Most Innovative New Trading Platform Philippines 2020

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SmartCharts Most Innovative New Trading Platform UK 2020 Emirates Chartered Accountants Group Best Audit and Tax Advisory Bahrain 2020 C. Savva & Associates ltd Best Audit and Tax Advisory Cyprus 2020 Crowe Mak Ghazali LLC Best Audit and Tax Advisory Oman 2020 Morison Menon Chartered Accountants & Partners Best Audit and Tax Advisory Qatar 2020 BAKER TILLY Best Audit and Tax Advisory Seychelles 2020 Chart Consultants Pvt Ltd Best Audit and Tax Advisory Sri Lanka 2020 Istanbul-Accountants.com Best Audit and Tax Advisory Turkey 2020 Crowe Best Audit and Tax Advisory UAE 2020 AMG Global Chartered Accountant (Zambia) Best Audit and Tax Advisory Zambia 2020 SEKERBANK Best Bank for Sustainable Development Turkey 2020 Vietnam Asia Commercial Joint Stock Bank (VietABank) Best Bank for Sustainable Development Vietnam 2020 AFRICADEV CONSULTING Best Corporate Advisory Africa 2020 Uniter Best Corporate Advisory Belarus 2020 Loops Digital (Private) Limited Best Digital Content Service Provider Sri Lanka 2020 Liwa Content Driven Best Digital Content Service Provider UAE 2020 Servcorp Limited Best Licensing and Business Registration Company South East Asia 2020 Flying Colour Business Setup Services, LLC Best Licensing and Business Registration Company UAE 2020 Fidusmart Treuhand & Stuerberatung Gmbh Best New Audit and Tax Advisory Switzerland 2020 National Citizen Bank Best Place to Work Vietnam 2020 Marksman Capital Partners Best Project Management Consultancy Ukraine 2020 Baoviet Holdings Best Sustainability Development Company Asia 2020 Shinhan Vietnam Finance Company Limited Best Sustainability Development Company Vietnam 2020 Eurasia Group Independent Community Retailer of the Year Uzbekistan 2020 VietinBank Leading Contact Center Vietnam 2020 Zerde National Infocommunication Holding Most Innovative Holding Group Central Asia 2020 Stanbic IBTC Holdings Most Innovative Holding Group Nigeria 2020 Intercorp Holdings S.A. Most Innovative Holding Group Romania 2020 NDB Capital Holdings Limited Most Innovative Holding Group Sri Lanka 2020 Ernst and Young Best Audit and Tax Advisory Lao People’s Democratic Republic 2020 Sergios Charalambous, SoftwareCy Advertising CEO of the Year Cyprus 2020 Davis Kallukaran, CEO Mak Ghazali LLC Audit & Accounting CEO of the Year Oman 2020 Umut Vehit, Euro – Mediterranean Investment Company Ltd Business CEO of the Year Cyprus 2020 IBRAHIM SOUA, Visionary Investment Finance Company (VIFCO) Tunisia Business CEO of the Year Tunisia 2020 Rashid Usmanov, Uzbek Republican Currency Exchange Business CEO of the Year Uzbekistan 2020 Mohamed Mughal,CEO, First Forte Consultancy Business Consultancy CEO of the Year UAE 2020 Najwa El Iraki, Founder & Managing Partner, AfricaDev Consulting Ltd Business Woman of the Year Africa 2020 Dr Sulochana Segera, CEO, Women in Management Business Woman of the Year Sri Lanka 2020 Natalia Karayaneva, Propy Business Woman of the Year USA 2020 Elona Mortimer-Zhika, CEO,IRIS Software Group Business Women of the Year UK 2020 Stephen Kabungo,CEO, Ilani Concepts Entrepreneur of the Year Eastern Africa 2020 Mr. Walter de Oude, Singlife Insurance & Fintech CEO of the Year Singapore 2020 Makram H. Hani, Arms & McGregor International Realty® Real Estate Brokerage CEO of the Year UAE 2020 Tina Badran Kfoury, Business Lobby Talent Management Recruitment CEO of the Year Lebanon 2020 CAPT. Mohammed Al Suwaidi, Vision Concept Aviation Training Institute Training Chairman of the Year UAE 2020 Daniel Thompson, Co-Founder & Financial Adviser, Finnacle Entrepreneur Newcomer of the Year Australia 2020 May Yang, Global Head of Operations, Synechron New Business Woman of the Year Europe 2020 PLEION Corporate Finance Best New Corporate Advisory Mauritius 2020 Syskode Technologies Best AI Software Solution Provider Bahrain 2020 Slimmer AI Best AI Software Solution Provider Europe 2020 Sejel Technology Co. Ltd. Best AI Software Solution Provider MENA 2020

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STelligence Co., Ltd Ascent Technology Consulting EBIZWORLD RNS Technology Services DMCC Yandex.Money Cyber Gate Defense LLC Pole Star Space Applications NICE Actimize FSS Smart Recon FSS Smart Recon Accubits Knowesis Pte Ltd Fenergo Tanasuk Technologies Global New Wave Technology Co.,Ltd GoQuo WeWebit CUBO SYSTEMS INTERNATIONAL (PVT) LTD – (ZONEBERRY) Informatica Software HK Ltd Ralliton Tanqia Siyana

Stimes Technologies WLL Fujisoft Technology Gensoft ERP Bluescript SoftwareCy Tech Village Egypt BCON LT Jumix Mesdac Solutions LLC

iClick Media Pte. Ltd.

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Best AI Software Solution Provider Thailand 2020 Best AI Software Solution Provider UAE 2020 Best AI Software Solution Provider Vietnam 2020 Best Anti Fraud / Security Solutions Provider Middle East 2020 Best Anti Fraud / Security Solutions Provider Russia 2020 Best Security Solutions Provider UAE 2020 Best Anti Fraud / Security Solutions Provider UK 2020 Best Anti Fraud / Security Solutions Provider USA 2020 Best Back Office Innovation India 2020 Best Back Office Innovation Southern Asia 2020 Best Blockchain Provider UAE 2020 Best Client Lifecycle Management Solutions Asia 2020 Best Client Lifecycle Management Solutions Ireland 2020 Best Client Lifecycle Management Solutions Jordan 2020 Best Consumer Software Provider Myanmar 2020 Best CRM Solutions Malaysia 2020 Best CRM Solutions MENA 2020 Best CRM Solutions Sri Lanka 2020 Best Data Enterprise Cloud Management Company Asia 2020 Best Data Enterprise Cloud Management Provider Eastern Europe 2020 Best Environmental Conservation Technology Solution Provider United Arab Emirates 2020 Best IT Services Provider Qatar 2020 Best IT Services Provider UAE 2020 Best Logistics and Transportation Technology Solutions Sri Lanka 2020 Best Online Advertising Technology Solutions Botswana 2020 Best Online Advertising Technology Solutions Cyprus 2020 Best Online Advertising Technology Solutions Egypt 2020 Best Online Advertising Technology Solutions Lithuania 2020 Best Online Advertising Technology Solutions Malaysia 2020 Best Online Advertising Technology Solutions Oman 2020 Best Online Advertising Technology Solutions Singapore 2020 Best Online Advertising Technology Solutions Sri Lanka 2020 Best Online Advertising Technology Solutions Thailand 2020 Best Online Advertising Technology Solutions UAE 2020 Best New IT Services Provider Oman 2020 Best New IT Services Provider UAE 2020 Best New Logistics & Transportation Technology Solutions Romania 2020 Best New Online Advertising Technology Solutions Bahrain 2020 Best New Online Advertising Technology Solutions Malaysia 2020 Best New Online Advertising Technology Solutions South East Asia 2020 Technology CEO of the Year Middle East 2020 Best Agri Business Bank Ghana 2020 Best Agri Business Bank Nigeria 2020 Best Agri Business Bank Tanzania 2020 Best Bank for Corporate Credit Cards Taiwan 2020 Best Bank for Corporate Investment Management Services Egypt 2020 Best Bank for Corporate Investment Management Services Mozambique 2020 Best Corporate Bank Angola 2020 Best Corporate Bank Belarus 2020 Best Corporate Bank Botswana 2020

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Banco Interatlântico, S.A. Societe Generale Tchadienne de Banque Chad UniCredit Bank Czech Republic QNB Alahli Ecobank Gambia BANK OF AFRICA GHANA Standard Chartered Bank Standard Chartered Bank OJSC Commercial Bank Kyrgyzstan First Capital Bank Trade and Development Bank of Mongolia PRABHU BANK LTD EcoBank Nigeria Ahli Bank Development Bank of the Philippines Banco Finantia Mashreq Qatar Vista Bank Romania SA JSCB Avangard Orabank Seylan Bank 1st National Bank St. Lucia Limited JOINT-STOCK COMMERCIAL ALOQABANK Asia Commercial Bank Absa Bank Zambia PLC Nedbank Zimbabwe The Black Sea Trade & Development Bank National Development Bank PLC ICBC Dubai(DIFC) Branch Warba Bank Vattanac Bank Public Bank Malaysia uab bank Limited Banco Interatlântico, S.A. Access Bank Gambia Pan-African Savings and Loans Co. Ltd Bank OCBC NISP Nedbank Lesotho Bank One Limited Asia Commercial Bank Saksa OOD South Pacific Stock Exchange Guotai Junan International Holdings Limited SEDCO Holding SEDCO Holding KwaZulu-Natal Joint Municipal Pension/Provident Funds Aramex Republican Stock Exchange Toshkent Vingroup Credit Andorra Bank Islam Brunei Darussalam (BIBD)

Best Corporate Bank Cape Verde 2020 Best Corporate Bank Chad 2020 Best Corporate Bank Czech Republic 2020 Best Corporate Bank Egypt 2020 Best Corporate Bank Gambia 2020 Best Corporate Bank Ghana 2020 Best Corporate Bank Jordan 2020 Best Corporate Bank Kenya 2020 Best Corporate Bank Kyrgyzstan 2020 Best Corporate Bank Malawi 2020 Best Corporate Bank Mongolia 2020 Best Corporate Bank Nepal 2020 Best Corporate Bank Nigeria 2020 Best Corporate Bank Oman 2020 Best Corporate Bank Philippines 2020 Best Corporate Bank Portugal 2020 Best Corporate Bank Qatar 2020 Best Corporate Bank Romania 2020 Best Corporate Bank Russia 2020 Best Corporate Bank Senegal 2020 Best Corporate Bank Sri Lanka 2020 Best Corporate Bank St Lucia 2020 Best Corporate Bank Uzbekistan 2020 Best Corporate Bank Vietnam 2020 Best Corporate Bank Zambia 2020 Best Corporate Bank Zimbabwe 2020 Best Development Bank South Eastern Europe 2020 Best Project Finance Bank Sri Lanka 2020 Best Project Finance Bank UAE 2020 Fastest Growing Corporate Bank Kuwait 2020 Best Bank for Corporate Governance Cambodia 2020 Best Bank for Corporate Governance Malaysia 2020 Best Bank for Corporate Governance Myanmar 2020 Best Corporate Governance Bank Cape Verde 2020 Best Corporate Governance Bank Gambia 2020 Best Corporate Governance Bank Ghana 2020 Best Corporate Governance Bank Indonesia 2020 Best Corporate Governance Bank Lesotho 2020 Best Corporate Governance Bank Mauritius 2020 Best Corporate Governance Bank Vietnam 2020 Best Corporate Governance Company Bulgaria 2020 Best Corporate Governance Company Fiji 2020 Best Corporate Governance Company Hong Kong 2020 Best Corporate Governance Company Middle East 2020 Best Corporate Governance Company Saudi Arabia 2020 Best Corporate Governance Company South Africa 2020 Best Corporate Governance Company UAE 2020 Best Corporate Governance Company Uzbekistan 2020 Best Corporate Governance Company Vietnam 2020 Best CSR Bank Andorra 2020 Best CSR Bank Brunei 2020

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Maybank Cambodia Scotiabank Chile Banque MISR Ecobank Ghana Limited Standard Chartered Bank Al Baraka Banking Group Moza Banco uab bank Limited Alizz Islamic Bank Bangko Kabayan Inc. Doha Bank RHB Singapore SANASA Development Bank PLC HSBC Taiwan Türk Ekonomi Bankası Absa Bank Uganda Limited Asia Commercial Bank Absa Bank Zambia PLC Solidarity Bahrain Smart Axiata Co., Ltd. Grupo Aval JSC MFO CRYSTAL SANNE Mauritius Saudi Telecom Company Home Credit Philippines JAT Holdings (Pvt) Ltd. Fubon Financial Holding Phanes Group ICU ZB Financial Holdings Bank of Jordan Bank One Limited Cecabank Mash World FOCUS Marketing & Advertising Vision Concept Aviation Training Institute Cavmont Bank Bank of Baroda (Botswana) Ltd Vattanac Bank Scotiabank Chile OmniBank Ghana Tengri Bank 2020 National Bank of Kenya Šiaulių bankas United Overseas Bank (Malaysia) Berhad SIB (Mauritius) Ltd Khan Bank Mongolia Bank Dhofar Alfa Bank KEB Hana Bank SANASA Development Bank

Best CSR Bank Cambodia 2020 Best CSR Bank Chile 2020 Best CSR Bank Egypt 2020 Best CSR Bank Ghana 2020 Best CSR Bank Jordan 2020 Best CSR Bank MENA 2020 Best CSR Bank Mozambique 2020 Best CSR Bank Myanmar 2020 Best CSR Bank Oman 2020 Best CSR Bank Philippines 2020 Best CSR Bank Qatar 2020 Best CSR Bank Singapore 2020 Best CSR Bank Sri Lanka 2020 Best CSR Bank Taiwan 2020 Best CSR Bank Turkey 2020 Best CSR Bank Uganda 2020 Best CSR Bank Vietnam 2020 Best CSR Bank Zambia 2020 Best CSR Company Bahrain 2020 Best CSR Company Cambodia 2020 Best CSR Company Colombia 2020 Best CSR Company Georgia 2020 Best CSR Company Mauritius 2020 Best CSR Company MENA 2020 Best CSR Company Philippines2020 Best CSR Company Sri Lanka 2020 Best CSR Company Taiwan 2020 Best CSR Company UAE 2020 Best CSR Company Ukraine 2020 Best CSR Company Zimbabwe 2020 Best Custodian Bank Jordan 2020 Best Custodian Bank Mauritius 2020 Best Custodian Bank Spain 2020 Advertising & Marketing Customer Satisfaction & Happiness MENA 2020 Advertising and Marketing Customer Satisfaction & Happiness Middle East 2020 Aviation Training Customer Satisfaction & Happiness UAE 2020 Banking Customer Satisfaction & Happiness Awards Zambia 2020 Banking Customer Satisfaction & Happiness Botswana 2020 Banking Customer Satisfaction & Happiness Cambodia 2020 Banking Customer Satisfaction & Happiness Chile 2020 Banking Customer Satisfaction & Happiness Ghana 2020 Banking Customer Satisfaction & Happiness Kazakhstan 2020 Banking Customer Satisfaction & Happiness Kenya 2020 Banking Customer Satisfaction & Happiness Lithuania 2020 Banking Customer Satisfaction & Happiness Malaysia 2020 Banking Customer Satisfaction & Happiness Mauritius 2020 Banking Customer Satisfaction & Happiness Mongolia 2020 Banking Customer Satisfaction & Happiness Oman 2020 Banking Customer Satisfaction & Happiness Russia 20202 Banking Customer Satisfaction & Happiness South Korea 2020 Banking Customer Satisfaction & Happiness Sri Lanka 2020

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South East Asia Commercial Joint Stock Bank (SeABank) Joint-Stock Commercial “Microcreditbank” Bank of Baroda (U) Ltd PEB Steel Buildings Diners Club International MAK ADVENTZ FINESSE

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2020 AWARD WINNERS

Société Générale Cameroun Grupo Aval Al Baraka Banking Group ABC Banking Corporation Ltd Access Bank JSCB Avangard Turkiston Bank BAKU STOCK EXCHANGE CJSC Bahrain MOTORS Company Iacovou Group Hindustan Construction Company Limited Akerton Partners Wisdom Business Academy HotForex Mercuria Investment Company Ltd Forte Insurance (Cambodia) Plc Brandexports Philippines Inc. Stanbic IBTC Holdings Ambeon Holdings PLC Ilani Concepts Access Spectrum Company Limited Millennium Insurance Brokers Co LLC SENARATNE INSURANCE BROKERS (PVT) LTD Gulf Insurance Group K.S.C. P (gig) Bodi Insurance Co LTD Fubon Insurance Banco de Fomento Internacional S.A CITITRUST HOLDINGS PLC Saturna Sdn Bhd Amal Bank Somalia Macro Software Systems LLC FirePro Global Rubber Industries (Pvt) Ltd. Mongolian Marketing Consulting Group Mercantile Investments and Finance PLC Property Hub Sdn Bhd Commercial Bank of Ceylon PLC Amanie Advisors Sdn. Bhd. Amman Stock Exchange Synechron JMR Infotech Smart Axiata Co., Ltd. FAL TELECOMMUNICATIONS W.L.L. Human Resource Innovations and Solutions, Inc. theSOFTtribe Ltd Doha Bank Garantia Seguros ECOBANK QNB Alahli Equity Bank Rwanda plc

Al Rajhi Bank Decade of Excellence Banking Group Cameroon 2020 Decade of Excellence Banking Group Latin America 2020 Decade of Excellence Banking Group MENA 2020 Decade of Excellence Banking Mauritius 2020 Decade of Excellence Banking Nigeria 2020 Decade of Excellence Banking Russia 2020 Decade of Excellence Banking Uzbekistan 2020 Decade of Excellence Capital Markets Consulting Services Azerbaijan 2020 Decade of Excellence Construction Bahrain 2020 Decade of Excellence Construction Cyprus 2020 Decade of Excellence Construction India 2020 Decade of Excellence Corporate Advisory Spain 2020 Decade of Excellence Education Sri Lanka 2020 Decade of Excellence Forex Brokerage Asia 2020 Decade of Excellence Fund Management Japan 2020 Decade of Excellence General Insurance Cambodia 2020 Decade of Excellence Grocery Exporter Consolidator Philippines 2020 Decade of Excellence Holding Group Nigeria 2020 Decade of Excellence Holding Group Sri Lanka 2020 Decade of Excellence ICT Firm Kenya 2020 Decade of Excellence ICT Solution Provider Myanmar 2020 Decade of Excellence Insurance Brokerage UAE 2020 Decade of Excellence Insurance Broking Sri Lanka 2020 Decade Of Excellence Insurance MENA 2020 Decade of Excellence Insurance Mongolia 2020 Decade of Excellence Insurance Taiwan 2020 Decade of Excellence Investment Banking Cape Verde 2020 Decade of Excellence Investment Holding Company Africa 2020 Decade of Excellence Islamic Asset Management Malaysia 2020 Decade of Excellence Islamic Banking Somalia 2020 Decade of Excellence IT Service Provider Middle East 2020 Decade of Excellence Manufacturing Europe 2020 Decade of Excellence Manufacturing Sri Lanka 2020 Decade of Excellence Marketing Research Mongolia 2020 Decade of Excellence NBFI Sri Lanka 2020 Decade of Excellence Real Estate Malaysia 2020 Decade of Excellence Retail Banking Sri Lanka 2020 Decade of Excellence Shariah Advisory & Consulting Malaysia 2020 Decade of Excellence Stock Exchange Jordan 2020 Decade of Excellence Technology Europe 2020 Decade of Excellence Technology MENA 2020 Decade of Excellence Telecommunications Cambodia 2020 Decade of Excellence Telecommunications MENA 2020 Decade of Excellence Training Philippines 2020 Software Development Decade of Excellence Awards Ghana 2020 Banking Group Decade of Excellence Awards Qatar 2020 Decade of Excellence Insurance Awards Cape Verde 2020 Best Bank for Digital Banking Services Benin 2020 Best Bank for Digital Banking Services Egypt 2020 Best Bank for Digital Banking Services Rwanda 2020 Best Bank for Digital Banking Services Saudi Arabia 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

BANCO SANTANDER Intesa Sanpaolo Bank Albania Credit Andorra Banco Millennium Atlântico Evocabank Kuwait Finance House Bahrain B.S.C. (c) Belgazprombank ACLEDA Bank Plc. Banco Santander Chile ING Bank Czechia Ecobank Gambia Ecobank Ghana Limited SBI Sumishin Net Bank, Ltd. Safwa Bank AsiaCredit Bank JSC Standard Chartered Bank OJSC Optima Bank Nedbank Lesotho Ecobank Liberia Limited Ecobank Mali Qatar Islamic Bank BC Moldova Agroindbank

Banco Único SA United Bank for Africa Plc CIMB Bank Philippines Qatar Islamic Bank JSCB Avangard Ecobank Sierra Leone Nations Trust Bank PLC STANDARD CHARTERED BANK TANZANIA Universal Bank PJSC Standard Chartered Bank Vietnam Access Bank Zambia Limited Steward Bank Daviplata Kinerjapay Saudi Telecom Company Yandex.Money Alif Bank Tajikistan Banco Santander Chile Taipei Fubon Commercial Bank Co., Ltd Intesa Sanpaolo Bank Albania Alinma Bank Nedbank Ltd Sai Gon J.S. Commercial Bank Rizal Commercial Banking Corporation Singlife Nedbank Ltd Qatar Islamic Bank Kuwait Finance House Bahrain B.S.C. (c) Sathapana Bank

Best Bank for Digital Banking Services Spain 2020 Best Digital Bank Albania 2020 Best Digital Bank Andorra 2020 Best Digital Bank Angola 2020 Best Digital Bank Armenia 2020 Best Digital Bank Bahrain 2020 Best Digital Bank Belarus 2020 Best Digital Bank Cambodia 2020 Best Digital Bank Chile 2020 Best Digital Bank Czech Republic 2020 Best Digital Bank Gambia 2020 Best Digital Bank Ghana 2020 Best Digital Bank Japan 2020 Best Digital Bank Jordan 2020 Best Digital Bank Kazakhstan 2020 Best Digital Bank Kenya 2020 Best Digital Bank Kyrgyzstan 2020 Best Digital Bank Lesotho 2020 Best Digital Bank Liberia 2020 Best Digital Bank Mali 2020 Best Digital Bank MENA 2020 Best Digital Bank Moldova 2020 Best Digital Bank Mozambique 2020 Best Digital Bank Nigeria 2020 Best Digital Bank Philippines 2020 Best Digital Bank Qatar 2020 Best Digital Bank Russia 2020 Best Digital Bank Sierra Leone 2020 Best Digital Bank Sri Lanka 2020 Best Digital Bank Tanzania 2020 Best Digital Bank Uzbekistan 2020 Best Digital Bank Vietnam 2020 Best Digital Bank Zambia 2020 Best Digital Bank Zimbabwe 2020 Best Digital Wallet Colombia 2020 Best Digital Wallet Indonesia 2020 Best Digital Wallet MENA 2020 Best Digital Wallet Russia 2020 Best Digital Wallet Tajikistan 2020 Fastest Growing Digital Bank Chile 2020 Most Innovative Corporate Banking App Taiwan 2020 Most Innovative Digital Branch Design Albania 2020 Most Innovative Digital Branch Design Saudi Arabia 2020 Most Innovative Digital Branch Design South Africa 2020 Most Innovative Mobile Savings App (SCB S-Connect) Vietnam 2020 Most Innovative Mobile Savings App Philippines 2020 Most Innovative Mobile Savings App Singapore 2020 Most Innovative Retail Banking App (Nedbank Money App) South Africa 2020 Most Innovative Retail Banking App (QIB Mobile App) MENA 2020 Most Innovative Retail Banking App Bahrain 2020 Most Innovative Retail Banking App Cambodia 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Fidelity Bank Ghana Ltd Standard Chartered Bank AS Citadele Banka Kuwait Finance House Bahrain B.S.C. (c) Al Rajhi Bank Megabank Nam A Bank FriMi Digital Bank CIMB Vietnam JSC MFO CRYSTAL Dubai Center for Islamic Banking and Finance HBMSU Institute of Banking and Business Management Admiral Markets Group AS trading.md Learn to Trade Learn to Trade PT. Didi Max Berjangka Learn to Trade Learn to Trade Learn to Trade

IBIFIM – Islamic Banking and Finance Institute Malaysia

Warwick Business School McGill Personal Finance Essentials in collaboration with RBC FutureLaunchand The Globe and Mail JFD GROUP LTD Alkhair Capital A2X Markets Joint Development Bank Sparkasse Bank Makedonija AD Skopje Credit Bank 1st National Bank St. Lucia Limited ICBC Dubai (DIFC) Branch National Investments Company Coronation Asset Management Saudi Kuwaiti Finance House Sovannaphum Life Assurance Public Limited Company AGROS HAYOT Stanbic IBTC Capital Limited Bank Nizwa Credit Bank Plc Banco Internacional Maybank Singapore Limited VietinBank Maha Agriculture Microfinance Flywire Singapore Pte Ltd PPRO Fosun Hani Securities Limited Gyals Tugrug Active People’s Microfinance Institution Plc. Hayman Capital Company LTD Home Credit Philippines

Most Innovative Retail Banking App Ghana 2020 Most Innovative Retail Banking App Kenya 2020 Most Innovative Retail Banking App Latvia 2020 Most Innovative Retail Banking App Middle East 2020 Most Innovative Retail Banking App Saudi Arabia 2020 Most Innovative Retail Banking App Ukraine 2020 Most Innovative Retail Banking App Vietnam 2020 Best New Digital Bank Sri Lanka 2020 Best New Digital Bank Vietnam 2020 Best Finance Education & Training Georgia 2020 Best Finance Education & Training MENA 2020 Best Finance Education & Training Papua New Guinea 2020 Best Forex Education & Training Germany 2020 Best Forex Education & Training Moldova 2020 Best Forex Education & Training Provider Australia 2020 Best Forex Education & Training Provider Europe 2020 Best Forex Education & Training Provider Indonesia 2020 Best Forex Education & Training Provider Philippines 2020 Best Forex Education & Training Provider South Africa 2020 Best Forex Education & Training Provider United Kingdom 2020 Best Islamic Finance Education & Training Malaysia 2020 Best Online Financial Education & Training Europe 2020 Best New Online Financial Education & Training Canada 2020

Fastest Growing Forex Broker Europe 2020 Fastest Growing Securities Brokerage Middle East 2020 Fastest Growing Stock Exchange South Africa 2020 Fastest Growing corporate Bank Lao People’s Democratic Republic 2020 Fastest Growing Corporate Bank Macedonia 2020 Fastest Growing Corporate Bank Mongolia 2020 Fastest Growing Corporate Bank St Lucia 2020 Fastest Growing Corporate Bank UAE 2020 Fastest Growing Fund Management Company Kuwait 2020 Fastest Growing Fund Management Company Nigeria 2020 Fastest Growing Fund Management Company Saudi Arabia 2020 Fastest Growing Life Insurance Company Cambodia 2020 Fastest Growing Life Insurance Company Uzbekistan 2020 Fastest Growing Investment Bank Nigeria 2020 Fastest Growing Islamic Corporate Bank Oman 2020 Fastest Growing Micro Finance Bank Kenya 2020 Fastest Growing SME Bank Chile 2020 Fastest Growing SME Bank Singapore 2020 Fastest Growing SME Bank Vietnam 2020 Fastest Growing Agricultural Lending Company Myanmar 2020 Fastest Growing Fintech Company Asia 2020 Fastest Growing Fintech Company Europe 2020 Fastest Growing Fintech Company Hong Kong 2020 Fastest Growing Micro Finance Company South East Asia 2020 Fastest Growing MicroFinance Company Cambodia 2020 Fastest Growing MicroFinance Company Myanmar 2020 Fastest Growing Online Finance Company Philippines 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Saradar Bank United Bank for Africa Plc Artsakhbank Yelo Bank Cambodia Post Bank Plc. UOB China Targobank Capital Bank of Jordan Sparkasse Bank Makedonija AD Skopje Banco Único SA Sterling Bank Cogebanque Plc Alif Bank Tajikistan National Citizen Bank 1st National Bank St. Lucia Limited Robinsons Bank Corporation SAIB Banque MISR Softlogic Life iIsurance PLC Maisarah Islamic Banking Services Stanbic Bank Botswana Bank OCBC NISP National Commercial Bank Jamaica Limited Absa Bank Moçambique, SA PRABHU BANK LTD Sacombank Crown Agents Bank Banque Du Caire Amonis OFP BNP Paribas Asset Management Brazil Asuka Asset Management Co. Ltd Saudi Fransi Capital Sanlam Investments NDB Wealth Management Ltd Eric Sturdza Investments China Asset Management Co., Ltd. Capital Asset Management CJSC Mirae Asset Global Investments SICO BSC (c) LOM Financial (Bermuda) Limited Concord Asset Management Erste Asset Management Erste Asset Management Concord International Investments Trigon Asset Management AS Mirabaud Asset Management Columbia Threadneedle Investments Columbia Threadneedle Investments Bosera Asset Management International Co.,Ltd PT Sucorinvest Asset Management Columbia Threadneedle Investments

Fastest Growing Private Bank Lebanon 2020 Fastest Growing Retail Bank Africa 2020 Fastest Growing Retail Bank Armenia 2020 Fastest Growing Retail Bank Azerbaijan 2020 Fastest Growing Retail Bank Cambodia 2020 Fastest Growing Retail Bank China 2020 Fastest Growing Retail Bank Germany 2020 Fastest Growing Retail Bank Jordan 2020 Fastest Growing Retail Bank Macedonia 2020 Fastest Growing Retail Bank Mozambique 2020 Fastest Growing Retail Bank Nigeria 2020 Fastest Growing Retail Bank Rwanda 2020 Fastest Growing Retail Bank Tajikistan 2020 Fastest Growing Retail Bank Vietnam 2020 Fastest Growing Retail Banking Awards St Lucia 2020 Fastest Growing Retail Banking Philippines 2020 Fastest Growing Retail Bank Egypt 2020 Fastest Growing Trade Finance Bank Egypt 2020 Fastest Growing Life Insurance Company Sri Lanka 2020 Fastest Growing Islamic Retail Bank Oman 2020 Best Forex Bank Botswana 2020 Best Forex Bank Indonesia 2020 Best Forex Bank Jamaica 2020 Best Forex Bank Mozambique 2020 Best Forex Bank Nepal 2020 Best Forex Bank Vietnam 2020 Fastest Growing Forex Bank Africa 2020 Fastest Growing Forex Bank Egypt 2020 Pension Fund Provider of the Year Belgium 2020 Asset Management Company of the Year Brazil 2020 Asset Management Company of the Year Japan 2020 Asset Management Company of the Year Saudi Arabia 2020 Asset Management Company of the Year South Africa 2020 Asset Management Company of the Year Sri Lanka 2020 Asset Management Company of the Year Switzerland 2020 Asset Management Company of the Year 2020 Asset Management Company of the Year Armenia 2020 Asset Management Company of the Year Asia 2020 Asset Management Company of the Year Bahrain 2020 Asset Management Company of the Year Bermuda 2020 Asset Management Company of the Year Bulgaria 2020 Asset Management Company of the Year Croatia 2020 Asset Management Company of the Year Croatia 2020 Asset Management Company of the Year Egypt 2020 Asset Management Company of the Year Estonia 2020 Asset Management Company of the Year Europe 2020 Asset Management Company of the Year Germany 2020 Asset Management Company of the Year Germany 2020 Asset Management Company of the Year Hong Kong 2020 Asset Management Company of the Year Indonesia 2020 Asset Management Company of the Year Italy 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Halyk Global Markets FIRST INVESTMENT COMPANY KUWAIT Principal Islamic Asset Management Sdn Bhd PLEION Investment Adviser SHUAA Capital psc HSBC Global Asset Management Mexico Philequity Management, Inc. Whitestar Asset Solutions S.A. The First Investor AMUNDI ASSET MANAGEMENT S.A.I. S.A PT Sucorinvest Asset Management ASSETPLUS Investment Management Cobas am Krungsri Asset Management Company Co. Ltd. Tunisie Valeurs Yapi Kredi Asset Management ICU Uzbek Oman Investment Company LLC Baoviet Fund Management Company NBC Holdings Concord Asset Management China Asset Management Co., Ltd. Maybank Asset Management Malaysia SICO Funds Services Company BSC (c) Servfund SANNE Mauritius GEN2 PARTNERS LTD Arca Fondi SGR Fidelity Pension Managers Limited KwaZulu-Natal Joint Municipal Pension/Provident Funds Tisco Asset Management Co LTD United Pension Trustees Aown Al Bahrani, Uzbek Oman Investment Company LLC Albsig Invest Sh.a Ostoul Capital Group Standard Investment Bank Moonfare GmbH Goldilocks Fund Alter Securities

Stanbic IBTC Asset Management Limited Norron Asset Management Azinka HR&CC Jobfinders Randstad Pte Ltd Huxley Randstad Pte Ltd Huxley Potentia HR Consulting KTI RECRUITMENT CONSULTANTS CO.,LTD Nicholson International Turkey

Asset Management Company of the Year Kazakhstan 2020 Asset Management Company of the Year Kuwait 2020 Asset Management Company of the Year Malaysia 2020 Asset Management Company of the Year Mauritius 2020 Asset Management Company of the Year MENA 2020 Asset Management Company of the Year Mexico 2020 Asset Management Company of the Year Philippines 2020 Asset Management Company of the Year Portugal 2020 Asset Management Company of the Year Qatar 2020 Asset Management Company of the Year Romania 2020 Asset Management Company of the Year South East Asia 2020 Asset Management Company of the Year South Korea 2020 Asset Management Company of the Year Spain 2020 Asset Management Company of the Year Thailand 2020 Asset Management Company of the Year Tunisia 2020 Asset Management Company of the Year Turkey 2020 Asset Management Company of the Year Ukraine 2020 Asset Management Company of the Year Uzbekistan 2020 Asset Management Company of the Year Vietnam 2020 Best Pension Fund Administrator South Africa 2020 Fastest Growing Fund Management Company Bulgaria 2020 Fastest Growing Fund Management Company China 2020 Fastest Growing Fund Management Company Malaysia 2020 Fund Administration Company of the Year Bahrain 2020 Fund Administration Company of the Year Egypt 2020 Fund Administration Company of the Year Mauritius 2020 Hedge Fund Provider of the Year Asia 2020 Pension Fund Manager of the Year Italy 2020 Pension Fund Provider of the Year Nigeria 2020 Pension Fund Provider of the Year South Africa 2020 Pension Fund Provider of the Year Thailand 2020 Pension Fund Trustee Company of the Year Ghana 2020 Asset Management Company CEO of the Year Uzbekistan 2020 Best New Asset Management Company Albania 2020 Best New Asset Management Company Egypt 2020 Best New Hedge Fund Management Company Kenya 2020 New Asset Management Company Germany 2020 Best Fund MENA 2020 Most Innovative Investment Product (TRANCHED VALUE SECURITY™) Asia 2020 Asset Management Company of the Year Nigeria 2020 Hedge Fund Provider of the Year Sweden 2020 Agency Recruitment Leader of the Year Azerbaijan 2020 Agency Recruitment Leader of the Year Lebanon 2020 Agency Recruitment Leader of the Year Singapore 2020 Best Banking & Finance Recruitment Company GCC Best Banking & Finance Recruitment Company Singapore 2020 Best Executive Recruitment Company GCC Best Executive Recruitment Company Indonesia 2020 Best Executive Recruitment Company Thailand 2020 Best Executive Recruitment Company Turkey 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Huxley Best Fintech Recruitment Company GCC Makro Best In-House Recruitment Team Uzbekistan 2020 Huxley Best IT/ Technology Recruitment Company GCC Randstad Pte Ltd Best IT/Technology Recruitment Agency Singapore 2020 DOROOB HR Consulting & Recruitment Best New HR & Recruitment Company Jordan 2020 Creative Diamond Links (CDL HR) Best Professional Services Recruitment Agency Cambodia 2020 Randstad Pte Ltd Best Recruitment Agency For Permanent Staffing Singapore 2020 Charterhouse Consultancy Best Recruitment Agency For Permanent Staffing UAE 2020 Randstad Pte Ltd Best Recruitment Agency Marketing Team Singapore 2020 Gloria Michelle Otieno Muka, Recours Four Kenya Consultants HR & Recruitment CEO of the Year Kenya 2020 Dr. Chetanya Singh, Cserve Group HR & Recruitment CEO of the Year Mozambique 2020 Nusky Adam, Lucky HR Solution Pvt Ltd. HR & Recruitment CEO of the Year Sri Lanka 2020 gig Insurance – Egypt Best Auto Insurance Company Egypt 2020 Gulf Insurance Group – Jordan Best Auto Insurance Company Jordan 2020 Nomad Insurance Best Auto Insurance Company Kazakhstan 2020 WINNER – Vienna Insurance Group Best Auto Insurance Company Macedonia 2020 Tawuniya Insurance Best Auto Insurance Company Saudi Arabia 2020 National Takaful Co.- Watania Best Auto Insurance Company UAE 2020 Uzbekinvest Export-Import Insurance Company Best Auto Insurance Company Uzbekistan 2020 Abu Dhabi Islamic Bank (ADIB) Best Bank Takaful Provider United Arab Emirates 2020 JSC International Insurance Company Irao Best Business Insurance Provider Georgia 2020 Sanasa Life Insurance Company Ltd Best Employee Benefits Provider Sri Lanka 2020 Garantia Seguros Best General Insurance App Cape Verde 2020 Ulaanbaatar City Insurance Best General Insurance Product Mongolia 2020 Etiqa Insurance & Takaful Bhd Best General Takaful Provider Malaysia 2020 Noor Takaful Best General Takaful Provider UAE 2020 Gulf Insurance Group – Jordan Best Group Health Insurance Company Jordan 2020 JSC “Kazakh Corporation of Health and Medical Insurance “Interteach” Best Group Health Insurance Company Kazakhstan 2020 JSC Kazakh Corporation of Health and Medical Insurance “Interteach” Best Group Health Insurance Company Kazakhstan 2020 APRIL International Care Best Health Insurance App (Easy Claim) Asia Pacific 2020 APRIL International Care Best Health Insurance Product (MyHEALTH) Asia Pacific 2020 AAFIYA MEDICAL BILLING SERVICES Best Health Insurance TPA Service Provider UAE 2020 APRIL International Care Best Individual Health Insurance Company Asia Pacific 2020 Zurich Insurance (Hong Kong) Best Insurance Company Claims Management Team Hong Kong 2020 Generali Thailand Best Insurance Company Claims Management Thailand 2020 AYA SOMPO Insurance Company Limited Best Insurance Company Digital Transformation Myanmar 2020 MAPFRE Middlesea plc Best Insurance Underwriting Malta 2020 GFA Insurance Ltd Best Insurance Underwriting Mauritius 2020 AROPE Insurance S.A.L. Best Insurance Underwriting MENA 2020 Qatar Insurance Company (QIC Insured) Best Insurance Website Middle East 2020 Al Hilal Takaful B.S.C (C) Best Life & Health Takaful Provider Bahrain 2020 PT Axa Mandiri Financial Services Best Life & Health Takaful Provider Indonesia 2020 FWD Life Best Life Insurance App Philippines 2020 Pasha Life Best Life Insurance Company Azerbaijan 2020 Dai-ichi Life Insurance (Cambodia) PLC Best Life Insurance Company Cambodia 2020 Arpico Insurance PLC Best Life Insurance Company for Innovation Sri Lanka 2020 Halyk-Life JSC Best Life Insurance Company Kazakhstan 2020 Vanguard Life Assurance Company Ltd Best Life Insurance Company Malawi 2020 FBNInsurance Best Life Insurance Company Nigeria 2020 Oman United Insurance Company Best Life Insurance Company Oman 2020 Pacífico Seguros Best Life Insurance Company Peru 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

AIA Insurance Lanka Limited Nan Shan Life Insurance Co. ltd Muang Thai Life Assurance Public Company Limited MetLife Turkey Alliance Insurance Company PSC Sanlam Life Insurance O’zbekinvest Hayot LLC IC Metropolitan Life Insurance Zambia Aljazira Takaful Taawuni Co Al-Bahriah Insurance & Reinsurance S.A.L. Grand Guardian Tokio Marine General Insurance Co., Ltd. Solidarity Bahrain Solidarity Bahrain Fairfirst insurance Limited Gross Insurance LLC Oman Reinsurance Company Thaire life assurance PCL Euler Hermes Asia Pacific Atradius N.V. Coface Euler Hermes Sigorta Jubilee Insurance Gross Insurance LLC PT. Asuransi Etiqa Internasional Indonesia Enterprise Life Dhofar Insurance Co. SAOG FWD Insurance Tuk Tuk, People’s Insurance PLC Uzbekinvest Export-Import Insurance Company Abu Dhabi National Insurance Company

Think Insurtech AETINS SDN BHD Qatar Insurance Company (QIC Insured) SIGAL UNIQA Group Austria Qatar Insurance Company (QIC Insured) National Life and General Insurance Co.SAOG Qatar Insurance Company (QIC Insured) Shin Kong Life Insurance Co Ltd BaoViet Insurance Corporation FWD Life SICO BSC (c) Banco de Fomento Internacional, SA Arab African International Bank (AAIB) JSC Halyk Finance Sterling Capital Limited National Investments Company CDH Investment Bank Maybank Investment Bank Berhad SHUAA Capital psc GIB Capital

Best Life Insurance Company Sri Lanka 2020 Best Life Insurance Company Taiwan 2020 Best Life Insurance Company Thailand 2020 Best Life Insurance Company Turkey 2020 Best Life Insurance Company UAE 2020 Best Life Insurance Company Uganda 2020 Best Life Insurance Company Uzbekistan 2020 Best Life Insurance Company Zambia 2020 Best Life Takaful Provider Saudi Arabia 2020 Best Marine Insurance Company Lebanon 2020 Best Marine Insurance Myanmar 2020 Best Motor Insurance Company Bahrain 2020 Best Motor Insurance Company Bahrain 2020 Best Online Insurance Company Sri Lanka 2020 Best Online Insurance Company Uzbekistan 2020 Best Reinsurance Company MENA 2020 Best Reinsurance Company Thailand 2020 Best Trade Credit Insurance Company Asia Pacific 2020 Best Trade Credit Insurance Company Europe 2020 Best Trade Credit Insurance Company Italy 2020 Best Trade Credit Insurance Company Turkey 2020 Best Travel Insurance Company Burundi 2020 Best Travel Insurance Company Uzbekistan 2020 Best Commercial Lines Insurance Provider Indonesia 2020 Best Life Insurance Company Ghana 2020 Best General Insurance Products Oman 2020 Most Innovative Insurance Process Asia 2020 (FWD Affiliates Programme) Best General Insurance Product of the Year Sri Lanka 2020 Best Insurance Product (KASKO 2.0) Uzbekistan 2020 Most Innovative Insurance Product (ADNIC’s Wedding Insurance Policy) MENA 2020 Best Cloud Based Insurance Solution Provider France 2020 Best Core Insurance Technology Transformation Asia 2020 Best Core Insurance Technology Transformation MENA 2020 Best Insurance Company Digital Transformation Albania 2020 Best Insurance Company Digital Transformation MENA 2020 Best Insurance Company Digital Transformation Oman 2020 Best Insurance Company Digital Transformation Qatar 2020 Best Insurance Company Digital Transformation Taiwan 2020 Best Insurance Company Digital Transformation Vietnam 2020 Best Life Insurance Company for Digital Transformation Philippines 2020 Best Investment Bank Bahrain 2020 Best Investment Bank Cape Verde 2020 Best Investment Bank Egypt 2020 Best Investment Bank Kazakhstan 2020 Best Investment Bank Kenya 2020 Best Investment Bank Kuwait 2020 Best Investment Bank Malawi 2020 Best Investment Bank Malaysia 2020 Best Investment Bank MENA 2020 Best Investment Bank Middle East 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Chinggis Khaan Bank Banco BiG Moçambique, S.A. Standard Bank Namibia Stanbic IBTC Capital Limited Banchile Inversiones Zagrebacka Banka NDB Investment Bank Ltd Carnegie Investment Bank Vontobel Bank of SinoPac Bualuang Securities Public Company Limited Dragon Capital Asaka Bank BIDV Securities Company (BSC) Stanbic Bank Zimbabwe Ltd uab securities Credit Bank of Moscow Bosna Bank International Banco BMG Ceskoslovenská obchodní banka, a.s. Hong Kong and Shanghai Banking Corporation Blom Bank Al Baraka Banking Group Standard Bank Group Al Baraka Bank KDB Bank Uzbekistan National Citizen Bank United Bank for Africa Plc Mota-Engil Africa BOC Aviation Limited China Shenhua Energy Company Limited Value Partners Group SimCorp Worldline National Investments Company Piramal Enterprises Limited Sumitomo Mitsui Financial Group National Real Estate Company Grupo Aval Ooredoo Maldives Plc Emaar Economic City ESR Funds Management (S) Limited NH Investments & Securities Energy Absolute Public Company Limited Waha Capital Mota-Engil Eqhwan Mokhzanee, AmBank Islamic Berhad Mr. Khalid Jamal Al Kayed, Bank Nizwa Banque MISR AmBank Islamic Berhad Islamic Bank of Mauritania (BIM)

Best Investment Bank Mongolia 2020 Best Investment Bank Mozambique 2020 Best Investment Bank Namibia 2020 Best Investment Bank Nigeria 2020 Best Investment Bank South America 2020 Best Investment Bank South East Europe 2020 Best Investment Bank Sri Lanka 2020 Best Investment Bank Sweden 2020 Best Investment Bank Switzerland 2020 Best Investment Bank Taiwan 2020 Best Investment Bank Thailand 2020 Best Investment Bank Ukraine 2020 Best Investment Bank Uzbekistan 2020 Best Investment Bank Vietnam 2020 Best Investment Bank Zimbabwe 2020 Best New Investment Bank Myanmar 2020 Best Bank for Investor Relations Russia 2020 Best Investor Relations Bank Bosnia and Herzegovina 2020 Best Investor Relations Bank Brazil 2020 Best Investor Relations Bank Czech Republic 2020 Best Investor Relations Bank Hong Kong 2020 Best Investor Relations Bank Lebanon 2020 Best Investor Relations Bank MENA 2020 Best Investor Relations Bank South Africa 2020 Best Investor Relations Bank Turkey 2020 Best Investor Relations Bank Uzbekistan 2020 Best Investor Relations Bank Vietnam 2020 Best Investor Relations Bank Western Africa 2020 Best Investor Relations Company Africa 2020 Best Investor Relations Company Asia 2020 Best Investor Relations Company Asia Pacific 2020 Best Investor Relations Company China 2020 Best Investor Relations Company Denmark 2020 Best Investor Relations Company France 2020 Best Investor Relations Company GCC 2020 Best Investor Relations Company India 2020 Best Investor Relations Company Japan 2020 Best Investor Relations Company Kuwait 2020 Best Investor Relations Company Latin America 2020 Best Investor Relations Company Maldives 2020 Best Investor Relations Company Saudi Arabia 2020 Best Investor Relations Company Singapore 2020 Best Investor Relations Company South Korea 2020 Best Investor Relations Company Thailand 2020 Best Investor Relations Company UAE 2020 Investor Relations Awards – Construction Portugal 2020 Islamic Banking CEO of the Year Malaysia 2020 Islamic Banking CEO of the Year Oman 2020 Best Islamic Corporate Bank Egypt 2020 Best Islamic Corporate Bank Malaysia 2020 Best Islamic Corporate Bank Mauritania 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Wifak International Bank Best Islamic Corporate Bank Tunisia 2020 Warba Bank Best Digital Islamic Bank Kuwait 2020 Kuwait Finance House Bahrain B.S.C. (c) Best Digital Islamic Bank Bahrain 2020 ADIB Egypt Best Digital Islamic Bank Egypt 2020 AmBank Islamic Berhad Best Islamic SME Bank Malaysia 2020 HelloGold Sdn. Bhd. Most Innovative Gold Savings App South East Asia 2020 Amlak Finance – Egypt Best Islamic Mortgage Financing Company Egypt 2020 Islamic Bank of Mauritania (BIM) Best Islamic Bank for Auto Loans Mauritania 2020 Al Salam Bank Bahrain Best Islamic Retail Bank Bahrain 2020 First Community Bank Best Islamic Retail Bank Kenya 2020 Islamic Bank of Mauritania (BIM) Best Islamic Retail Bank Mauritania 2020 Dubai Islamic Bank PJSC Best Islamic Retail Bank UAE 2020 Bank of Industry Best Micro Finance Bank Africa 2020 Fiji Development Bank Best Micro Finance Bank Fiji 2020 Caritas Microfinance Bank Best Micro Finance Bank Kenya 2020 Mainstreet Microfinance Bank Best Micro Finance Bank Nigeria 2020 Oman Development Bank Best Micro Finance Bank Oman 2020 Bangko Kabayan Inc. Best Micro Finance Bank Philippines 2020 OJSC Bank “Bai-Tushum” Best Microfinance Bank Kyrgyzstan 2020 Alfa-Bank Belarus Best Mobile app for Micro & SME Belarus 2020 Taipei Fubon Commercial Bank Co., Ltd Best Mobile app for Micro and SME Taiwan 2020 Alfa-Bank Belarus Best Online Services for Micro & SME Belarus 2020 Tirana Bank Best SME Bank Albania 2020 AccessBank Azerbaijan Best SME Bank Azerbaijan 2020 Alfa-Bank Belarus Best SME Bank Belarus 2020 Bank Islam Brunei Darussalam (BIBD) Best SME Bank Brunei 2020 Equity Bank Best SME Bank Congo 2020 QNB Alahli Best SME Bank Egypt 2020 Bank OCBC NISP Best SME Bank Indonesia 2020 JSC Bank CenterCredit Best SME Bank Kazakhstan 2020 SAIGON THUONG TIN BANK LAO CO., LTD. Best SME Bank Lao People’s Democratic Republic 2020 LGB Bank Best SME Bank Lebanon 2020 AmBank Group Best SME Bank Malaysia 2020 Bank One Limited Best SME Bank Mauritius 2020 TransBank Best SME Bank Mongolia 2020 Asian-Pacific Bank Best SME Bank Russia 2020 ABSA Bank (Seychelles) Limited Best SME Bank Seychelles 2020 National Development Bank PLC Best SME Bank Sri Lanka 2020 SEKERBANK Best SME Bank Turkey 2020 Alfa Bank Ukraine Best SME Bank Ukraine 2020 BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM JSC. (BIDV) Best SME Bank Vietnam 2020 Maybank Singapore Limited Best SME Bank Singapore 2020 Resource Group Most Innovative Holding Group Middle East 2020 GBE Brokers Most Innovative Online Broker Germany 2020 Arviem AG Best New Supply Chain Finance Provider – Nonbank Europe 2020 Agroleasing Leasing Credit Company Best Agricultural Lending Company Armenia 2020 KazAgroFinance JSC Best Agricultural Lending Company Kazakhstan 2020 BOC Aviation Limited Best Aircraft Leasing Company Asia 2020 CIAF Leasing Corp Egypt Best Aircraft Leasing Company Egypt 2020 Pristine Global Finance Best Auto Finance Company Myanmar 2020 Muscat Finance (S.A.O.G) Best Auto Finance Company Oman 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Tasheelat Car Leasing Company UniCredit Leasing Croatia d.o.o. Leasafric Ghana Limited Automak Automotive Company RSLC Qurilishmashlizing JSC First Standard Finance Corporation Factoring KB a.s. Yapı Kredi Faktoring A.Ş. African Guarantee Fund Amret Microfinance Institution Guotai Junan International Holdings Limited National Development Bank Group MoneyMatch Brunei (MMB Transfer Sdn Bhd) Temenos Zeepay Ghana ltd Privé Technologies Limited Tap Payments Bluering S.A.L LendMN NBFI JSC Cellulant Singlife EPIC Lanka (Pvt) Ltd Fondi Besa SH.A SEF International AMK Microfinance Institution Plc Ellinas Finance Public Company Limited Tamweelcom KMF Maha Agriculture Microfinance Bimputh Finance PLC BAHRAIN EXCHANGE COMPANY W.L.L Suria Muhabat SDN Berhad Malaysia Unimoni Exchange LLC Uzbek Republican Currency Exchange First Standard Finance Corporation Cashalo GLOBAL CREDIT UCO CJSC Validus Capital Aditya Birla Financial Services Gulf Finance Company Saudi Arabia Siraj Finance PJSC Mohamed Rusan Fyroze, Siraj Finance PJSC Siegfried Kofi Gbadago, Hayman Capital Company LTD Fineon Exchange Moonfare GmbH Sarwa TASLIF SAL ORIX Asia Limited Vallibel Finance PLC Global Money Express Co., Ltd. Arab Financial Services

Best Auto Leasing Company Bahrain 2020 Best Auto Leasing Company Croatia 2020 Best Auto Leasing Company Ghana 2020 Best Auto Leasing Company Kuwait 2020 Best Auto Leasing Company Uzbekistan 2020 Best Business Funding Company Philippines 2020 Best Factoring Company Czech Republic 2020 Best Factoring Company Turkey 2020 Best Financial Guarantee Provider Africa 2020 Best Financial Institution for Empowering Women in Business Cambodia 2020 Best Financial Services Group Hong Kong 2020 Best Financial Services Group Sri Lanka 2020 Best Fintech Company Brunei 2020 Best Fintech Company Denmark 2020 Best Fintech Company Ghana 2020 Best Fintech Company Hong Kong 2020 Best Fintech Company Kuwait 2020 Best Fintech Company Middle East 2020 Best Fintech Company Mongolia 2020 Best Fintech Company Nigeria 2020 Best Fintech Company Singapore 2020 Best Fintech Company Sri Lanka 2020 Best Micro Finance Company Albania 2020 Best Micro Finance Company Armenia 2020 Best Micro Finance Company Cambodia 2020 Best Micro Finance Company Cyprus 2020 Best Micro Finance Company Jordan 2020 Best Micro Finance Company Kazakhstan 2020 Best Micro Finance Company Myanmar 2020 Best Micro Finance Company Sri Lanka 2020 Best Money Exchange / Best Money Transfer Kuwait 2020 Best Money Exchange Malaysia 2020 Best Money Exchange Oman 2020 Best Money Exchange Uzbekistan 2020 Best Mortgage Financing Company Philippines 2020 Best New Fintech Company Philippines 2020 Best Online Finance Company Armenia 2020 Best P2P Lending Platform Singapore 2020 Best SME Finance Company India 2020 Best SME Finance Company Saudi Arabia 2020 Best SME Finance Company UAE 2020 Non-Banking Financial Institution CEO of the Year UAE 2020 Non-Banking Financial Institution CFO of the Year Myanmar 2020 Best New Fintech Company Europe 2020 Best New Fintech Company Germany 2020 Best New Fintech Company UAE 2020 Best New Microfinance Provider Lebanon 2020 Best Japan Mortgage Service Provider Hong Kong 2020 Most Innovative Finance Product Sri Lanka 2020 Best Money Exchange South Korea 2020 Best Fintech Company Bahrain 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Gyals Tugrug LADOL Omise Commercial Bank of Dubai EveryPay Ltd EasyPay AsiaPay CRDB Bank Plc LIMONETIK JCB International Co., Ltd. MobileCard MANGOPAY Paysera LT Hightech Payment Systems Hightech Payment Systems GAINDE 2000 Daviplata BPC FSS (Financial Software and Systems) Yapı Kredi Bank Andbank Banco Millennium Atlântico Kathrein Privatbank Aktiengesellschaft Credit Suisse Deltec Bank & Trust Bank of Cyprus Banque de Luxembourg Maybank Islamic Berhad Qatar National Bank Compagnie Monégasque de Banque Banco Finantia Al Khalij Commercial Bank “al khaliji” Bank AlJazira Banque SYZ Taipei Fubon Commercial Bank Co., Ltd Emirates NBD Scotiabank X Spot Markets (EU) Ltd Synergy Asset Management Gulf International Finance Limited (GIFL) Taipei Fubon Commercial Bank Co., Ltd

iWealth Management OPTIVEN LIMITED UMLand Berhad Colomboland and Development Company plc NAI Ukraine The Tower Mall Management Group The Sustainable City, Diamond Developers Sobha Realty Muscat Bay

Best Micro Finance Company Mongolia 2020 Most Innovative Oil & Gas Service Company Nigeria 2020 Best Payment Solution Provider Thailand 2020 Best Payment Solutions UAE 2020 Best New Payment Solution Provider Central Europe 2020 Best Payment Solution Provider Albania 2020 Best Payment Solution Provider Asia Pacific 2020 Best Payment Solution Provider Eastern Africa 2020 Best Payment Solution Provider France 2020 Best Payment Solution Provider Japan 2020 Best Payment Solution Provider Latin America 2020 Best Payment Solution Provider Luxembourg 2020 Best Payment Solution Provider Northern Europe 2020 Best Payment Solutions Asia 2020 Best Payments Solution Provider MENA 2020 Best Payments Solution Provider Senegal 2020 Fastest Growing Payment Solution Provider Colombia 2020 Fastest Growing Payment Solution Provider Europe 2020 Fastest Growing Payment Solution Provider Middle East 2020 Best Private Bank Turkey 2020 Best Private Bank Andorra 2020 Best Private Bank Angola 2020 Best Private Bank Austria 2020 Best Private Bank Brazil 2020 Best Private Bank Caribbean 2020 Best Private Bank Cyprus 2020 Best Private Bank Luxembourg 2020 Best Private Bank Malaysia 2020 Best Private Bank MENA 2020 Best Private Bank Monaco 2020 Best Private Bank Portugal 2020 Best Private Bank Qatar 2020 Best Private Bank Saudi Arabia 2020 Best Private Bank Switzerland 2020 Best Private Bank Taiwan 2020 Best Private Bank UAE 2020 Best Private Wealth Management Company Cayman Islands 2020 Best Private Wealth Management Company Greece 2020 Best Private Wealth Management Company Switzerland 2020 Best Private Wealth Management Company UAE 2020 Most Innovative Private Bank for Intergenerational Wealth Management Taiwan 2020 Best New Private Wealth Management Company Poland 2020 Best Commercial Real Estate Developer Kenya 2020 Best Commercial Real Estate Developer Malaysia 2020 Best Commercial Real Estate Developer Sri Lanka 2020 Best Commercial Real Estate Developer Ukraine 2020 Best Commercial Real Estate Developer Uzbekistan 2020 Best Environment Friendly Residential Project of the Year MENA 2020 Best Luxury Real Estate Developer UAE 2020 Best Luxury Real Estate Development Oman 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Al Mamsha, Alef Group NAI RCL Philippines Anchor Antigua Realty LTD Barbados Sotheby’s International Realty FOX Smart Estate Agency Network Ltd Trust for Real Estate Ghana Prime Properties Israel Sotheby’s International Realty Azizi Realtors CBRE Limited Mongolian Properties Dream Estates Montenegro Golden Peacock Real Estate ONE Estate Romania JONES LANG LASSALLE Ceylon Investment Group (Pvt) Ltd Knight Frank Chartered Thailand AL AYAN REAL ESTATE BROKER Seide Ltd NAI Ukraine Atlantis Bulgaria Holding PT PP Properti Tbk Cayan Group Kan Development Right Touch Engineering Group TONG ENG GROUP Hong Kong Cyberport Management Company Limited Technology Park of Software and IT (IT-Park Uzbekistan) REOS Bilisim Teknolojileri AS Propy Frederick D Go, CEO, Robinsons Land Corporation Qurat Ul Ain Wani , Drehomes Real Estate CBRE Limited Mainstreet Microfinance Bank Thanachart Bank Plc. Asaka Bank Tien Phong Commercial Joint Stock Bank (TPBank) Oromia International Bank POSB Zimbabwe The National Commercial Bank Al Baraka Islamic Bank Sohar International PJSCB “Orient Finans” National Development Bank PLC Rizal Commercial Banking Corporation Pan Asia Banking Corporation PLC Infinity Trust Mortgage Bank Oschadbank Saigon-Hanoi Commercial Joint Stock Bank (SHB) Saigon-Hanoi Commercial Joint Stock Bank (SHB) Converse Bank CJSC

Best Mixed-Use Commercial Development of the Year UAE 2020 Best Real Estate Consultant Philippines 2020 Best Real Estate Consultants Antigua and Barbuda 2020 Best Real Estate Consultants Barbados 2020 Best Real Estate Consultants Cyprus 2020 Best Real Estate Consultants Egypt 2020 Best Real Estate Consultants Ghana 2020 Best Real Estate Consultants Israel 2020 Best Real Estate Consultants Kenya 2020 Best Real Estate Consultants Middle East 2020 Best Real Estate Consultants Mongolia 2020 Best Real Estate Consultants Montenegro 2020 Best Real Estate Consultants Myanmar 2020 Best Real Estate Consultants Romania 2020 Best Real Estate Consultants Saudi Arabia 2020 Best Real Estate Consultants Sri Lanka 2020 Best Real Estate Consultants Thailand 2020 Best Real Estate Consultants UAE 2020 Best Real Estate Consultants Uzbekistan 2020 Best Real Estate Consulting Company CIS & Eastern Europe 2020 Best Residential Real Estate Developer Bulgaria 2020 Best Residential Real Estate Developer Indonesia 2020 Best Residential Real Estate Developer Middle East 2020 Best Residential Real Estate Developer Ukraine 2020 Best Residential Real Estate Development ( Ohana Hills Villas) Lebanon 2020 Best Residential Real Estate Development Singapore 2020 Most Innovative Fintech Hub Hong Kong 2020 Most Innovative Fintech Hub Uzbekistan 2020 Most Innovative PropTech Brand Turkey 2020 Most Innovative PropTech Brand USA 2020 Real Estate CEO of the Year South East Asia 2020 Real Estate Chairman of the Year UAE 2020 Real Estate Consultant CEO of the Year Sri Lanka 2020 Best Bank for Auto Loans Nigeria 2020 Best Bank for Auto Loans Thailand 2020 Best Bank for Auto Loans Uzbekistan 2020 Best Bank for Auto Loans Vietnam 2020 Best Bank for International Services Ethiopia 2020 Best Bank for International Services Zimbabwe 2020 Best Bank for Remittance Saudi Arabia 2020 Best Bank for Social Media Bahrain 2020 Best Bank for Social Media Oman 2020 Best Bank for Social Media Uzbekistan 2020 Best Bank Transformation Sri Lanka 2020 Best Green Bank Philippines 2020 Best Green Bank Sri Lanka 2020 Best Mortgage Bank Nigeria 2020 Best Mortgage Bank Ukraine 2020 Best Mortgage Bank Vietnam 2020 Best Remittance Bank Vietnam 2020 Best Retail Bank Armenia 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Ahli United Bank B.S.C. Banco Mercantil Santa Cruz Maybank Cambodia Equa Bank a.s. QNB Alahli Cooperative Bank of Oromia Trust Bank Ltd Absa Bank Ghana Limited Credito Emiliano spa JSC Halyk Bank CJSC Demir Kyrgyz International Bank Standard Lesotho Bank Halkbank AD Skopje United Overseas Bank (Malaysia) Berhad SBM Bank (Mauritius) Ltd CKB uab bank Limited Bank Windhoek First Bank of Nigeria Limited Union Bank of the Philippines Santander Bank Polska Banco Santander Totta-Portugal Doha Bank Riyad Bank ABSA Bank (Seychelles) Limited Rokel Commercial Bank (SL) Ltd Nedbank Ltd National Development Bank PLC 1st National Bank St. Lucia Limited The First MicroFinance Bank Ziraat Bankasi OTP Bank Ukraine Agrobank JSV VietinBank Banco Interatlântico, S.A. Saigon-Hanoi Commercial Joint Stock Bank (SHB) Validus Capital Taulia Fred Swanepoel, Nedbank Ltd Natalia Karayaneva, Propy Pinak Vedalankar, Publicis Sapient Saudi Telecom Company Kalaam Telecom Smart Axiata Co., Ltd. Safaricom Limited Saudi Telecom Company Ooredoo Oman Singtel Mobile Pte Ltd Dialog Axiata PLC Kalaam Telecom Fastweb SpA

Best Retail Bank Bahrain 2020 Best Retail Bank Bolivia 2020 Best Retail Bank Cambodia 2020 Best Retail Bank Czech Republic 2020 Best Retail Bank Egypt 2020 Best Retail Bank Ethiopia 2020 Best Retail Bank Gambia 2020 Best Retail Bank Ghana 2020 Best Retail Bank Italy 2020 Best Retail Bank Kazakhstan 2020 Best Retail Bank Kyrgyzstan 2020 Best Retail Bank Lesotho 2020 Best Retail Bank Macedonia 2020 Best Retail Bank Malaysia 2020 Best Retail Bank Mauritius 2020 Best Retail Bank Montenegro 2020 Best Retail Bank Myanmar 2020 Best Retail Bank Namibia 2020 Best Retail Bank Nigeria 2020 Best Retail Bank Philippines 2020 Best Retail Bank Poland 2020 Best Retail Bank Portugal 2020 Best Retail Bank Qatar 2020 Best Retail Bank Saudi Arabia 2020 Best Retail Bank Seychelles 2020 Best Retail Bank Sierra Leone 2020 Best Retail Bank South Africa 2020 Best Retail Bank Sri Lanka 2020 Best Retail Bank St Lucia 2020 Best Retail Bank Tajikistan 2020 Best Retail Bank Turkey 2020 Best Retail Bank Ukraine 2020 Best Retail Bank Uzbekistan 2020 Best Retail Bank Vietnam 2020 Best Retail Bank Cape Verde 2020 Best Savings Account Vietnam 2020 Best Supply Chain Finance Company Singapore 2020 Best Supply Chain Finance Provider – Nonbank Europe 2020 CIO of the Year South Africa 2020 PropTech CEO of the Year USA 2020 Technology Vice President of the Year UK 2020 5G Innovator of the Year MENA 2020 Best Telecommunications Company Bahrain 2020 Best Telecommunications Company Cambodia 2020 Best Telecommunications Company Kenya 2020 Best Telecommunications Company MENA 2020 Best Telecommunications Company Oman 2020 Best Telecommunications Company Singapore 2020 Best Telecommunications Company Sri Lanka 2020 Fastest Growing Telecommunications Company Bahrain 2020 Fastest Growing Telecommunications Company Italy 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Mr. Thomas Hundt, Smart Axiata Co., Ltd. Yogendra Katiyar, Founder and CEO, WE NETWORK LLC Veer Passi, Kalaam Telecom Bangkok Bank PLC African Export-Import Bank Converse Bank CJSC QNB Alahli K&H Bank Zrt Bank of Valletta Danske Bank HSBC Taiwan Maritime Commercial Joint Stock Bank (MSB) Anglo-Gulf Trade Bank Grand Hyatt Dubai SIXT Rent A Car Grand Hyatt Dubai Golden Tulip Nizwa Hotel The Shilla Seoul Al Bait Sharjah Fujairah Holidays Halyk Bank Kyrgyzstan Ahli Bank Q.S.C. Citibank Nigeria Limited Union Bank of the Philippines Union Bank of Colombo PLC Banque MISR QNB Alahli Commercial Bank of Dubai

CEO of the Year Telecommunications Cambodia 2020 Telecom Network & Infrastructure CEO of the Year Oman 2020 Telecommunications CEO of the Year Bahrain 2020 Best Trade Finance Bank Thailand 2020 Best Trade Finance Bank Africa 2020 Best Trade Finance Bank Armenia 2020 Best Trade Finance Bank Egypt 2020 Best Trade Finance Bank Hungary 2020 Best Trade Finance Bank Malta 2020 Best Trade Finance Bank Nordic 2020 Best Trade Finance Bank Taiwan 2020 Best Trade Finance Bank Vietnam 2020 Best New Trade Finance Bank UAE 2020 Best Business Hotel Middle East 2020 Best Car Rental Website Bahrain 2020 Best Conference Hotel Middle East 2020 Best Hotel Customer Service Oman 2020 Best Hotel Customer Service South Korea 2020 Best Hotel Customer Service UAE 2020 Best Travel Agency United Arab Emirates 2020 Best Cash Management Bank Kyrgyzstan 2020 Best Bank for Treasury Services Qatar 2020 Best Cash Management Bank Nigeria 2020 Best Cash Management Bank Philippines 2020 Best Cash Management Bank Sri Lanka 2020 Fastest Growing Cash Management Egypt 2020 Best Bank for Treasury Services Egypt 2020 Best Cash Management Bank UAE 2020

Global Banking & Finance Awards®

2020 AWARD WINNERS

Global Banking & Finance Awards® Top Next 100 Global Awards 2020

The Next 100 Global Companies to watch highlights some of the most exciting, innovative, and promising businesses from around the world. The list recognizes companies at the forefront whose strategy, achievements, dedication, and leadership of those who demonstrate outstanding achievement and are committed to delivering the products clients need and the results clients want, acting as a catalyst for the industry.

AWARD WINNING COMPANY NAMES AWARD TITLES

SmartCharts Learn to Trade The National Commercial Bank Tien Phong Commercial Joint Stock Bank (TPBank) National Investments Company Kuwait Finance House Bahrain B.S.C. (c) Forte Insurance (Cambodia) Plc Trade and Development Bank of Mongolia Halkbank AD Skopje Kuwait Finance House Bahrain B.S.C. (c)

uab bank Limited Ziraat Bankası AŞ PT Sucorinvest Asset Management Smart Axiata Co., Ltd. Banco de Fomento Internacional, SA Altacode PayX LLC. Electric Networks of Armenia Anchor Antigua Realty LTD Nucleus195 Western International Group MobileCard Fiji Development Bank POTENZA Bualuang Securities Public Company Limited

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Global Banking & Finance Awards® Top Next 100 Global Awards 2020

Crown Agents Bank Ahlibank QSC Naouri Group Zagrebacka Banka FAL TELECOMMUNICATIONS Belgazprombank Kalaam Telecom Noor Takaful UAE Tech Garden Concord Asset Management Ascent Technology Consulting SICO BSC (c) Synechron Arab African International Bank Syskode Technologies Crowe Mak iWealth Management Ecobank Sierra Leone Limited Ooredoo Oman Whitestar Asset Solutions S.A. Maybank Islamic Asset Management Sdn Bhd Unimoni Exchange Yapi Kredi Asset Management Stanbic IBTC Holdings Imperial Investments LLC Pacífico Seguros RMA Cambodia Westpac Banking Corporation Flying Colour Business Setup Services, LLC Stimes Technologies WLL Siraj Finance PJSC ABSA Bank (Seychelles) Limited Islamic Banking & Finance Institute Malaysia (IBFIM) AJM Kooheji Group BSC (c) JFD Group Ltd Aafiya Medical Billing Services LLC (Aafiya TPA) Varchev Finance Ltd Propy QNB Finansinvest Galt and Taggart JSC frank.co.th National Commercial Bank Jamaica Limited Transcapital NBFI A Plus Insurance Company Ltd Ambeon Holdings PLC STelligence Co., Ltd Balfin Finance Investment Group Tap Payments The First Investor

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Global Banking & Finance Awards® Top Next 100 Global Awards 2020

AMEN BANK Dubai Center for Islamic Banking and Finance HBMSU Istanbul Portfoy HAYMAN CAPITAL COMPANY LTD Allied Transport Sterling Bank Nigeria Tisco Asset Management Co LTD Eurofast Global SLTD Alliance Insurance Company PSC Abacus Securities Corporation SICO BSC (c) Ernst & Young Lao Co., Ltd First Bank of Nigeria Ltd BIT QUEST SDN BHD Cashalo ODIN Investments NH Investments & Securities Zero Artificial Vegetables and Fruit Trading LLC TNM Plc servfund Galt and Taggart JSC Saville Capital Inbound Hype (Ltd) Pvt Huxley InterCapital Securities Lynx Asset Management

The Next 100 Global Awards 2020 – Finance The Next 100 Global Awards 2020 – Education The Next 100 Global Awards 2020 – Asset Management The Next 100 Global Awards 2020 – CSR The Next 100 Global Awards 2020 – Transportation The Next 100 Global Awards 2020 – Corporate Banking The Next 100 Global Awards 2020 – Asset Management The Next 100 Global Awards 2020 – Corporate Advisory The Next 100 Global Awards 2020 – Insurance The Next 100 Global Awards 2020 – Brokerage The Next 100 Global Awards 2020 – Banking Group The Next 100 Global Awards 2020 – Audit &Tax Advisory The Next 100 Global Awards 2020 – Banking Group The Next 100 Global Awards 2020 – Advertising & Marketing The Next 100 Global Awards 2020 – Fintech The Next 100 Global Awards 2020 – NBFI The Next 100 Global Awards 2020 – Investment Banking The Next 100 Global Awards 2020 – Agriculture The Next 100 Global Awards 2020 – Telecommunications The Next 100 Global Awards 2020 – Fund Administration The Next 100 Global Awards 2020 – Brokerage The Next 100 Global Awards 2020 – Asset Management The Next 100 Global Awards 2020 – Advertising & Marketing The Next 100 Global Awards 2020 – Recruitment The Next 100 Global Awards 2020 – Brokerage The Next 100 Global Awards 2020 – Asset Management

Global Banking & Finance Awards® Top Next 100 Global Awards 2020