This document provides information about the MENA Mortgage Summit taking place from October 27-29, 2014 in Dubai, UAE. The summit will feature panels, workshops, and presentations from regional and international mortgage leaders on topics like regulations, risk management, differentiation, Islamic mortgages, credit information, market forecasting, and structuring. Attendees will gain tools and tactics for differentiating mortgage products and structuring Islamic mortgages. Interactive learning opportunities include panels, workshops, roundtable discussions, and networking events. The goal is for mortgage professionals to develop robust management frameworks through cutting-edge discussions and knowledge sharing.

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PLUS! GAIN EXECUTABLE TOOLS AND TACTICS WITH TWO PRACTICAL WORKSHOPS
A Differentiating your products to gain competitive
advantage, enhance product offerings and increase
market share
B Effectively structuring Islamic mortgages to increase
product offerings and capture the significant potential
of the Islamic mortgage sector
BOOK BEFORE 5 June and SAVE up to US$ 1,398
27 – 29 October 2014
The Address Hotel, Dubai Mall
Dubai, UAE
Devendar Agarwal
Business Head - Credit Cards &
Loans, UAE and Director & Assets
Head, Middle East & Africa
Citi, UAE
Varun Sood
Chief Home Finance
Dubai Islamic Bank
UAE
Abdullah Albrahim
Head of Financing Studies Unit
The Institute of Banking,
Saudi Arabian Monetary Agency
Pawan Dhawan
Vice President Mortgages
Mashreq Bank
UAE
Ashish Sood
Deputy CEO Retail and
Private Banking
Ahli Bank
Oman
Yasser Abu Ateek
Chief Executive Officer
Dar Al Tamleek Co
Saudi Arabia
Competitive structuring, differentiation and
recovery strategies to drive growth and profitability
an informa event
KEY TOPICS Regulations Risk Management Differentiation Islamic Mortgages Credit Information Market Forecast Structuring
PRESENTING AN EXECUTIVE PANEL OF MORTGAGE LEADERS
What’s happening at the MENA Mortgage Summit?
INTERACTIVE
LEARNING
Develop a robust internal management
framework by effective mortgage structuring,
differentiation and recovery through cutting-
edge discussions, extensive workshops, panel
debates and roundtable discussions
MEET THE
REGULATORS
Assess current and future mortgage
policies and their impact on your business
growth directly from the regional regulators
COUNTRY SPECIFIC
ROUND TABLES
on UAE, Saudi Arabia, Qatar and Bahrain
Gain up-to-date information on regulatory
frameworks, future market movements and business
critical insight on key regional mortgage markets
WORKSHOPS
Get implementable solutions and
key take away tools for mortgage
product differentiation and
Islamic mortgage structuring
KNOWLEDGE
EXCHANGE
Discover the latest solutions that real estate
valuers, consultants, insurers and real
estate developers are developing to improve
efficiencies in your lending operations
HOSTED NETWORKING
Exchange business cards and gain valuable face-to-face
time with regulators, authorities and industry peers.
A quick and effective way to expand your business
network and generate key contacts in the industry
LIGHTNING TALKS
Take centre stage in the discussions!
A unique interactive format to give
your feedback and suggestions
directly to the audience of regulators,
banks and solution providers
#MENAMORTGAGE

2. Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com
Who Will You Share Insights With?
3%
Credit
Information
Providers
12%
Mortgage
Brokers
3%
Insurers
5%
Government
Authorities
30%
Banks
12%
Real Estate
Valuation
Consultants
10%
Consultants
20%
Independent
Mortgage
Providers
42%UAE
5% Oman
20% Saudi Arabia
5% Kuwait
10% Qatar
10% Bahrain
HIGHLIGHTSHIGHLIGHTSHIGHLIGHTS
20+
regional and
international leaders
covering regulations,
mortgage structuring,
recovery and
differentiation to enable
you to effectively comply
to policies and ensure
profitability
20
sessions and brand new formats
including knowledge exchange,
lightning talks and fireside
conversations to enhance your learning
and knowledge sharing experience
Candid
discussions
with key regulators
and authorities across
MENA to get insight
into future policy
developments
360degree
insight through participation and
discussion with real estate valuers,
consultants, mortgage brokers and real
estate developers to enable you to access
business critical market information
8+ hours
of facilitated networking to help
you make the right contacts and
help you develop your business
HIGHLIGHTSThe last couple of years has seen a huge change in mortgage regulations and has seen dramatic increase in sales
volumes and values across the region. This increase has created enormous opportunities for the mortgage industry.
However, strict regulations, a continued lack of efficient consumer data and limited recourse opportunities make this
a challenging market for profitable growth.
MENA Mortgage Summit provides you with a platform to gain critical market information and frame proven
strategies to minimise risks, increase profitability and capitalize on this growth.
A comprehensive gathering of senior regulators, authorities and mortgage professionals the summit will provide
an in-depth insight into the changing mortgage landscape across the region as well address the regulatory, strategic
and financing challenges mortgage professionals face. It delivers banks and independent mortgage providers with
strategic insight and techniques to overcome financing, structuring and recovery challenges effectively.

3. Monday | 27 October 2014Conference Day One
08:00 Registration and morning refreshments
09:00 Opening remarks from the chair
09:10 Opening UAE Keynote: Navigating the UAE’s current regulatory
framework and future projections to ensure compliance
• Understanding the regulatory changes over the previous year
to effectively comply with these norms and understand their
impact on your business
• Mapping the impact of regulatory changes on lenders and
borrowers in the short and long term
• Exploring the importance of the Central Banks’ role in
developing a robust framework to ensure the sustainable
growth of the mortgage industry
• Determining the effect of changing regulations on market
dynamics to effectively understand the risk impact on your
business
• Analysing the current steps taken by the Central Bank to
develop a balanced regulatory framework in the future
09:40 Keynote - Regional Regulators Panel and Open Discussion:
Understanding the impact of evolving regional legislation on
MENA’s home financing market
• Mapping the latest developments in the region’s regulatory
frameworks
• How is the UAE, Saudi Arabia, Qatar & Baharin mortgage
law evolving and what are the implications for mortgage
providers?
• Exploring the latest developments in repossession and
foreclosure in the region
• Comparing regional Loan-To-Value (LTV) and Debt Burden
Ratio (DBR) across MENA
• Determining current and future policy developments to
develop a sustainable regional framework for the mortgage
industry
May Abdel Hamid, Chairman, Mortgage Finance Fund Egypt
10:10 Open Discussion with Regulators: Dedicated time for you to
get direct answers from regional regulators on future policy
development
10:40 Morning refreshments and speed networking
An opportunity to shake hands with regulators, mortgage and
home finance professionals as well as service providers in the
region. Don't forget to bring your business cards!
11:10 Round Table Discussions: Strategic insight from key regional
experts on current regulations, mortgage and real estate market
forecasts and specific information on key regional markets
UAE | Saudi Arabia | Qatar | Bahrain
This session will provide you with in-depth insight into the
developing mortgage and real estate markets in the MENA,
enabling you to make calculated decisions and effectively expand
your footprint in the region. All discussions will run for 40 min
simultaneously.
UAE: Faisal Iqbal, Senior Vice President - Group Head Mortgages,
Emirates NBD
Saudi Arabia: Yasser Abu Ateek, Chief Executive Officer, Dar Al
Tamleek Co
Bahrain: Hashim Al Tamimi, Senior Vice President - Head of
Operations, Gulf International Bank
11:50 Critically examining the latest mortgage market updates and
future forecasts to effectively understand upcoming trends
• Understanding the banks’ perspective of the current market
status and how they foresee market movements
• Analysing past trends and developments in the mortgage
industry to effectively identify critical growth factors
• Evaluating the current status of the market in repayment of
loans to effectively calculate the risk in the region
• Identifying latest market segments and geographies for
mortgages to enhance your business and ensure growth
• Developing proven strategies to capitalise on the emerging
growth in the region
Christopher Taylor, Chief Executive Officer, Abu Dhabi Finance
12:30 Evaluating effective risk management strategies for mortgage
products to effectively manage credit and market risk and
ensure profitability in your business
• Exploring key effective strategies adopted by leading
mortgage houses to effectively manage risk and profitability
• Understanding the importance of customer profiling to
minimise mortgage defaults
• Evaluating the need for qualified professionals in the
mortgage industry to effectively develop a strong resource
• Understanding the risks involved in re-finance and purchase in
mortgages and overcoming the issues in risk modeling
Paul Melotto, Chief Financial Officer, Deutsche Gulf Finance
13:10 Lunch and networking break
14:10 Knowledge Exchange: Round table discussions with key
market stakeholders to gain direct solutions and critical market
information enabling competitive business growth
Real Estate Valuers | Consultants | Mortgage Brokers | Insurance
Providers | Credit Information Providers
These rapid-fire roundtables, led by six different industry experts,
will provide structured in-depth conversations enabling you
to access vital information about regions’ mortgage market.
Lasting 10 minutes each, you will have the opportunity to join the
discussion on every table.
15:10 Afternoon refreshments and networking break
15:40 Afternoon Keynote: Global best practices in product
structuring, risk management and financing to implement in
your business
• Outlining how regulatory and legal frameworks have
supported robust market growth
• Assessing the processes set for mortgage recovery and NPL’s
in these countries
• Comparing the MENA mortgage industry with the
international markets: What can we do better?
• Evaluating the mortgage caps, interest rates and tenures of
mortgages in these markets
16:20 Panel: Innovative structures and products to diversify your
offering and improve market penetration
• Identifying and incorporating new mortgage features like long
term fixed mortgages, adjustable rate mortgages and flexible
mortgages to enhance product differentiation
• Diversifying product offerings such as LTV and DBR to ensure
competitive market share
• Developing innovative customer education programmes and
product marketing campaigns to improve penetration and
product growth
Devendar Agarwal, Business Head - Credit Cards & Loans, UAE
and Director & Assets Head, Middle East & Africa, Citi
Javed Afzal, Chief Executive Officer, Aseel Finance Company
Pawan Dhawan, Vice President Mortgages, Mashreq Bank
Abdullah Albrahim, Head of Financing Studies Unit, The
Institute of Banking – Saudi Arabian Monetary Agency
17:00 Closing remarks form the chair
17:10 End of conference day 1
Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com

4. Tel: +971 4 335 2437 | Fax: +971 4 335 2438 | Email: register-mea@informa.com | Web: www.mortgagemena.com
Tuesday | 28 October 2014Conference Day Two
08:00 Registration and morning refreshments
09:00 Opening remarks from the chair
09:10 Fireside Conversation: Exploring the latest developments in
MENA’s diverse real estate markets to develop strategies based
on future market growth
• Assessing the current state of the region’s property market:
Projects, values and growth trajectories
• Tracking the developments of major residential projects in
MENA to assess the demand for mortgages in the region
• Leveraging the importance of a combined effort by
developers, brokers, lenders and the government to develop a
robust real estate and financing market across the region
• Mapping the growth trajectory of the real estate market and
future demands to effectively strategise for the impending
growth
Moderated by:
Varun Sood, Chief of Home Finance, Dubai Islamic Bank
09:50 Evaluating strategies for raising sustainable finance for
independent mortgages providers across the region
• Evaluating the key challenges faced in raising liquidity in
MENA
• Assessing various other sources of finance like sukuk markets
to finance mortgage houses in the region
• Understanding the current state of the market and devising
strategies to raise finance in these constrained market
conditions
Alex Gemici, Chief Executive Officer, Greenstone Equity Partners
10:30 Morning refreshments and networking break
11:00 Panel: Evaluating the need for developing a strong secondary
mortgage market to enhance liquidity and drive market growth
• Assessing the importance of government and industry’s role
in establishing a strong secondary market in the region
• Evaluating strategies to structure secondary market for
Shari’a compliant mortgages
• Understanding the importance of developing a transparent
framework for trading of securities to create a robust
secondary market
• Learning from across the globe on how to develop and sustain
an effective secondary market
Alex Gemici, Chief Executive Officer, Greenstone Equity Partners
Javed Afzal, Chief Executive Officer, Aseel Finance Company
Muhammad Faisal Talib, Head of Retail Risk, Retail Banking,
Noor Islamic Bank
Ashish Sood, Deputy CEO Retail and Private Banking, Ahli Bank
Oman
11:40 Understanding the state and potential of the Islamic mortgage
market and best practices for Shari’a compliant product
structuring to effectively develop a robust Islamic mortgage
business
• Evaluating the current Shari’a laws applicable to mortgages,
the repayment process and Terms & Conditions
• Comparing the financing structure of Islamic mortgages with
conventional products
• Structuring Islamic mortgages in accordance with the legal
framework for non-performing loans to ensure the legal
enforceability of mortgages
• Understanding the legal rights of mortgage providers and
customers under Shari’a laws
Tariq Ahmed, Business Head – Home Finance, Abu Dhabi Islamic
Bank
12:20 Panel: Strategies for improving the availability of real estate
financing to ensure stable project delivery and support
sustainable development in the region
• Assessing the role of government in stabilising the real estate
market and promoting foreign investments in the region and
initiatives to ensure sustainable development
• Exploring various sources of financing for off-plan properties
and developing projects in the region to ensure projects are
delivered on time
• Understanding how banks will provide sustainable finance for
future projects?
• Increasing supply of finance for real estate by boosting
investor confidence
Khalid Mohammed Al Amoudi, Head Real Estate Finance,
National Commercial Bank
13:00 Lunch and networking break
14:00 Exploring effective means to manage delinquency, foreclosure
and recourse strategies for non-performing loans to effectively
recover the principle
• Mapping the current non-performing loans in the region and
best practices to recover NPL
• Exploring the current rate of delinquency and foreclosure
across the region
• Understanding the current laws regarding repossession and
foreclosure in the region to effectively recover non-performing
loans
• Evaluating the need to rework recovery laws in the region to
set-up a robust and transparent process
• Leveraging the importance of accurate client profiling and
effective mortgage structuring to minimise non-performing
loans
Vikas Koul, AVP & Risk Manager, Mortgages, National
Commercial Bank
14:40 Lightning Talks: A quick succession of short 10 minute stand-
up talks with no multimedia or presentation focusing on the
key challenges in regulations, financing, mortgage structuring,
valuations and foreclosure. Share and learn best practices
with your peers across the region and understand how they
are working to develop a profitable internal framework for the
mortgage business.
15:20 Afternoon refreshments and networking break
15:50 Accessing reliable credit information to develop robust
processes and minimise lending risks
• Exploring the latest developments and timelines for the credit
bureau to set-up a robust credit information framework
• Identifying the reliability of critical information provided by
the credit bureau to ensure responsible mortgage decisions
• Identifying an effective credit reporting system for the UAE to
ensure reliable and accessible credit information
16:30 Developing effective strategies for real estate valuations to
protect assets, minimise losses, and make well-informed
lending decisions
• Identifying and overcoming complexities and key bottlenecks
in managing risks and controlling costs in real estate
valuation
• Understanding the set criteria of valuation companies for
real estate valuation to effectively appraise properties and
balance the asset and market value
• Understanding banks’ processes for real estate valuations to
ensure a reliable structure
• Managing overvaluation through robust risk analysis
techniques and valuation tools
17:10 Closing remarks from the chair
17:20 End of conference

5. POST-CONFERENCE WORKSHOPS
Overview:
The current mortgage cap gives little opportunity to effectively
diversify products and differentiate from your competitors. But to
be competitive in this market you need to deliver customers with
innovative and appealing products to enhance your market share and
sustain a profitable business.
This in-depth focused workshop will give you a chance to explore
practical strategies and tools to ensure that you are innovative and
provide your customers with diverse products.
Objectives
üü Navigating the latest innovations in mortgage products across
MENA and assessing attractive markets to innovate your products
üü Identifying and incorporating innovative features like long term and
flexible mortgage products to enhance product features
üü Exploring key market drivers like LTV and DBR and developing
strategies to differentiate your product to ensure competitiveness
and enhance market share
üü Interactive case studies and practical scenarios
Who should attend?
Heads, Team Leaders and Relationship Managers of
üü Mortgage Products
üü Mortgage Sales
üü Islamic Mortgages
üü Home Finance
üü Consumer Lending
üü Retail Banking
üü Loans
Workshop Leader:
Overview:
Islamic mortgages have seen tremendous growth over the past
few years and have a growing demand across the region. Yet there
are challenges in structuring Islamic mortgages and understanding
complex legislation under Shari’a laws which impact their enforceability.
This workshop will enable you to clearly understand Shari’a Laws to
minimise lending risks and will help you effectively structure Islamic
mortgages for your customers.
Objectives
üü Understanding the difference between Islamic and conventional
mortgages
üü Evaluating the repayment terms and Terms & Conditions of Islamic
mortgages
üü Structuring Islamic mortgages in accordance with the legal
framework for non-performing loans
üü Understanding the legal rights under Islamic banking of mortgage
providers
Who should attend?
Heads, Team Leaders and Relationship Managers of
üü Islamic Mortgages
üü Islamic Finance
üü Mortgages
üü Consumer Lending
üü Retail Banking
üü Loans
üü Structuring
A
Practical tools and best practices for
differentiating your products to gain
competitive advantage and provide
customers with the best products
B
Effectively structuring Islamic
mortgages to increase product offerings
and capture the significant potential of
the Islamic mortgage sector
Wednesday | 29 October 2014
08.30 – 12.30 13.30 – 17.30
99 Understand the current market trends and gain consulting for
real estate and valuations
99 Effectively manage the risks involved in mortgage valuations
99 Gain access to reliable and credible credit information in the
market
99 Ensure business sustainability through risk and financial
consulting
99 Gain insurance cover against mortgage defaults
99 Access critical market research insight, information and
analysis about the industry
How can you get involved and what is in it for you?
99 Chairing the summit to increase your visibility
99 Hosting closed door by-invitation-only meetings with VIP
speakers and guests
99 Presenting specific content-driven sessions with mortgage
professionals and regulators
99 Hosting panel sessions, presentations and round table
discussions
99 Leading in-depth workshops to solve critical problems and
becoming the preferred thought leader
99 Heading knowledge exchange round tables to answer their
most pressing questions
99 Hosting evening reception to meet and interact with your
target market
99 Launching reports and tailored research to position yourself as
a market intelligence and strategy consultant
To find out more please contact
Michael Moffat
on +971 (0) 4 407 2716
or sponsorship@informa.com
Upendra Balchandani, Head, Product Development & Product
Marketing, Consumer Banking, Commercial Bank of Dubai
SPONSORSHIP OPPORTUNITIES
Raise your profile in front of leading government and mortgage professionals in the Middle East & North Africa
With the real estate and the mortgage industry now effectively recovering from the crisis, banks and independent lenders are
gearing up to make the most of future opportunities. Due to the stiff competition in the market and the increasing confidence,
banks and independent lenders are looking to:

6. www.mortgagemena.com
ND
PAYMENTS
A confirmation letter and invoice will be sent upon receipt of your registration. Please note that full payment must be
received prior to the event. Only those delegates whose fees have been paid in full will be admitted to the event.
CANCELLATION
If you are unable to attend, a substitute delegate will be welcome in your place. Registrations cancelled more
than 7 days before the Event are subject to a $200 administration charge. Registration fees for registrations
cancelled 7 days or less before the Event must be paid in full. Substitutions are welcome at any time.
All registrations are subject to acceptance by Informa which will be confirmed to you in writing.
Due to unforeseen circumstances, the programme may change and Informa reserves the right to alter the venue
and/or speakers or topics.
AVOID VISA DELAYS – BOOK NOW
Delegates requiring visas should contact the hotel they wish to stay at directly, as soon as possible. Visas
for non-GCC nationals may take several weeks to process.
Conference fees include documentation,
luncheon and refreshments. Delegates who
attend all sessions will receive an Electronic
Certificate of Attendance.
All registrations are subject to our terms
and conditions which are available at
www.iirme.com/terms. Please read them
as they include important information.
By submitting your registration you agree
to be bound by the terms and conditions
in full.
CALL: +971 4 335 2483
E-MAIL: a.watts@informa.com
GROUP DISCOUNTS
AVAILABLE
AZ 3044
EVENT VENUE:
The Address Hotel, Dubai Mall, Dubai, UAE
Tel: +971 4 438 8888
ACCOMMODATION DETAILS
We highly recommend you secure your room reservation at the earliest to avoid last minute
inconvenience. You can contact the Informa Hospitality Desk for assistance on:
Tel: +971 4 407 2693 Fax: +971 4 407 2517
Email: hospitality@informa.com
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27 – 29 October 2014 | The Address Hotel | Dubai Mall | Dubai | UAE
FEATURED SPONSORSHIP OPPORTUNITY
Knowledge Exchange
Round table discussions with all the delegates: Provide direct solutions and critical market information enabling
competitive business growth
Real Estate Valuers | Consultants | Mortgage Brokers | Insurance Providers | Credit Information Providers
These rapid-fire roundtables, led by 6 different industry experts, provide structured
in-depth conversations, enabling delegates to access vital information across the
industry and giving them a 360 degree perspective on the regions mortgage market.
ü Overall 60 min of dedicated discussion with the conference delegates in small
groups and a structured format
ü Six unique and dedicated 10 min session to interact with the attendees and
showcase your expertise and solutions
ü Facilitated opportunity to network with each and every conference attendee
NEW
FORMAT
Only 6 slots
available
BOOK
BEFORE
5 June and
SAVE up to
$ 1,398
To find out more please contact
Michael Moffat
on +971 (0) 4 407 2716
or sponsorship@informa.com
27 October 2014 28 October 2014 29 October 2014
AM
Conference Day 1 Conference Day 2
Workshop A
PM Workshop B
PROGRAMME AT A GLANCE