Salman Muhammad Email & Phone Number

Houston, Texas Area

(One of the largest universal bank in Pakistan–1200+ domestic branches and a strategic international footprint)• Entrusted to set up Business Process Reengineering and Quality Management function in the bank covering all banking areas like retail, corporate, commercial, insurance, credit, operations, risk, IT, etc

Dubai, United Arab Emirates

(Foreign bank in UAE – Listed on London and Pakistan stock exchanges; entered in the region in 1969)• On special assignment to set up internal network marketing and cross-selling functions on a global basis for the bank by leveraging relationships, cross-border business flows and streamlining product and delivery capabilities of the bank. • Solicited FI, Corporate, Retail, and Investment banking deals of AED 1 B.• Identified 12 new strategic, product and business-lines initiatives – 5 were given management go-ahead in the first phase.

New York, United States

(Full-license foreign bank in NY, USA – a member of Federal Reserve Board CLS since 1983)• Appointed by the President and the Board of UBL, and approved by domestic and US Regulator as the CEO/Country head in the USA.• Managed and reorganized the US operations and exceeded all objectives set by the Board. • Revised strategy for growing financial institutions business, arranged credit lines, grew the portfolio to AED 250 M, revised ALM policies and improved the liquidity management.• Set up the compliance department, streamlined finance function, strengthen operations and revamped IT and security infrastructure; implemented revised policies and procedures. • Implemented new core banking (Sunguard) system, Anti Money Laundering monitoring (SAS) system and OFAC filter. • Managed and handled lingering financial, tax, legal and regulatory matters; appointed auditors, lawyers and consultants for the bank and kept a close relationship with Regulators.

United Arab Emirates

(Foreign bank in UAE – Listed on London and Pakistan stock exchanges; entered in the region in 1969)• Strategized, set up from scratch and then managed FI business with full responsibility for its BS and P&L in all international branches and offices of UBL in the Middle East, Europe, USA, and China.• Built and grew the FI sales team to 10 relationship managers which consistently performed at above-target levels for four years in spite of the worst global financial recession during that period. • Analyzed, opened and developed around 20 new emerging markets - made major breakthroughs in countries like Bangladesh, Pakistan, India, Turkey, and Sri Lanka.• Introduced new products, developed close relationships with emerging market banks, created alliances with large international banks and also started both buying and selling of assets by setting up a risk distribution desk.• Grew (from zero) and managed FI assets’ portfolio of around AED 1.8 B – no provisions.• Worked closely with finance, credit, and operations for the development of new policies, procedures, and controls, SLAs and management reporting system. • Participated in the development of network expansion strategy in East Africa and contributed in various UBL committees - Management, Credit, ALCO, Operations and Investment.

United Arab Emirates

• Led strategic and business planning unit. Managed Operations, Credit, HR and General Administration for FI Group on a global basis. Successfully managed group and branches’ financial matters & issues related to BS, P&L and taxes, funding, liquidity, investments and regulatory requirements. Managed, monitored, and approved local and overseas branches’ expenses and capital expenditure.• Planned and centralized processing and IT infrastructure/applications for New York, London, Hong Kong, Pakistan and Indian branches. • Developed products & marketing plans, structured & customized proposals and deals for countries and customers, and developed alliances for increasing market reach and to extend product lines. Started regular seminars and training programs for customer banks around the world.• Opened offices in countries like Pakistan, Bangladesh, Sudan and Nepal; upgraded Hong Kong to branch status. • Designed and implemented systems for risk management, customer and product profitability MIS, banks’ KYCs, annual budgeting and reporting. Implemented online banking for FI customers. Selected and commissioned systems like Bank Trade, Globus/T24, Fidelity, Safewatch, EDD, Swift, Gifts Payment systems, etc. • Wrote the Credit Policy to manage Country and Bank/FI risk for the bank. Member of the team who reviewed the Wholesale Banking credit policies for the bank. Group Head’s delegate during his absence with full delegated financial & credit authority - represented him at Central Credit Committee meetings in his absence. Managed and controlled all approval pertaining to ALCO, Basel II, SLAs and policies at HO level for the Group. • Initiated several internal projects relating to quality initiatives and improvements. Committees' member to select and implement new Banking and GL System, worked on three-years strategic plans in coordination with many consultants like Mckinsey, BCG, A.T. Kearney, and to build Credit models and policies with Oliver Wyman, etc.

(Banker Equity was the leading development bank in Pakistan, owned by government banks and financial institutions)• Worked in various departments during 10 years in the bank. Successfully managed the World Bank Administrative Unit. • Developed an annual budget for the bank through a newly devised cash management approach. • Managed Central Bank reporting. Developed and managed various IT systems including main banking & GL system. • Worked for recovery of loans (sick units) and on various bank-wide initiatives.

(Central Insurance was fire, marine and general insurance company in Pakistan owned by a Dawood Group)• Reviewed and assessed the automation and management information needs of the company• Set up the IT department from scratch for the first time.

(Gulistan was the largest integrated textile mills of Pakistan owned by Mian Abdul Shakoor)• Set up IT department and implemented GL system for three group companies in 6 months’ time.

Mba, Finance, Marketing, Strategy, Mis, Economics, Etc.

Pgd, Systems Analysis & Design

B.Sc. (Honours), Applied Chemistry With Physics And Maths

Certified Trainer, Total Quality Advantage And Quality Action Team Programs

Conducted in-house training for management and staff and lead/participated in various quality initiatives - 1998-2003