has a broad-based background of 30 years in corporate and consumer banking, management consulting and public accounting.

He has been an independent consultant for the past two years – assignments have included distressed asset valuation for G.E. Capital and the development of a credit risk model/ operational interface for a Product Programme for a new regional product offering for Standard Chartered Bank.

During his 16-year career with Citibank, he initially worked in a variety of overseas corporate banking assignments. Subsequently he was based in the USA where he focussed on credit risk management and assumed a leadership role in a number of key assignments including 1) restructuring of the risk function for Cash Management products and the development of a systematic capability of managing risk, on a real-time basis, for the bank’s clearing and settlement transactions in major global financial markets; 2) reengineering of credit process and implementation of quasi scoring models for corporate and FI clients; 3) implementation of customer behaviour monitoring as a key tool in portfolio risk management; and 4) conducting and reporting to senior management internal reviews of consumer loan portfolios and credit processes of the bank’s operations in Washington DC, Illinois, Florida,
Arizona and California.

Mr. Naeemullah, a UK Chartered Accountant, has worked in the USA, UK, Ireland, Greece, UAE, Pakistan, Zaire, Haiti, Singapore and Thailand.

He is a US citizen and currently resides in Thailand.