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Ala’a Eraiqat

Group Chief Executive Officer and Member of the Board, Executive Director

Ala’a Eraiqat joined ADCB in January 2004 and held various senior posts before taking over as Chief Executive Officer and also becoming a member of ADCB’s Board of Directors in February 2009. He previously held senior positions at Citibank and Standard Chartered Bank, amongst others. His responsibilities extend to chairing the following subsidiaries and committees of ADCB, amongst others: Abu Dhabi Commercial Properties, Abu Dhabi Commercial Engineering Services, the ADCB Management Executive Committee and the ADCB Management Risk & Credit Committee.

Deepak Khullar

Group Chief Financial Officer

Deepak was appointed Group Chief Financial Officer in 2008 and is responsible for Group finance and strategy, investor relations and strategic sourcing. He previously spent 15 years with Standard Chartered Bank in the Middle East and in Korea. Before joining Standard Chartered, he worked for 12 years with Ernst & Young and Price Waterhouse & Co. (now PricewaterhouseCoopers) in the Middle East and India. Deepak is an Associate of the Institute of Chartered Accountants of India and an Associate Member of the Association of Corporate Treasurers (UK).

Siddiqa Abbas

Group Chief Operations Officer

Siddiqa Abbas was appointed as ADCB’s Group Chief Operations Officer in 2018 and is the leader of the Bank’s Group Business Services (GBS) division which includes the Technology, Operations, Customer Experience and Property Management teams. Siddiqa is responsible for ensuring the Bank has the operational, technological and property management capabilities and systems infrastructure to ensure reliable and agile business operations. With over 20 years of banking experience, she has held a number of senior operational management positions at ADCB including Head of Branch Operations and Head of Consumer Banking Operations. Prior to her appointment as Group Chief Operations Officer, Siddiqa was the General Manager, ITMAM (ADCB’s shared services captive) from 2016-2018. Siddiqa holds a Bachelor’s Degree in Mass Media from the UAE University in Al Ain.

Colin Fraser

Group Head of Wholesale Banking

Colin completed his Master of Arts in Financial Economics at the University of Dundee, receiving the Bowie Memorial Prize for top economics graduates. He is an Associate of the Chartered Institute of Bankers and a Fellow of the Royal Society for the Arts. Colin joined Barclays Bank in 1992 and undertook various roles as an international banker. In 2007, he was appointed Barclays’ Corporate Banking Director, GCC, joining ADCB a year later as Head of the Wholesale Banking Group.

Arup Mukhopadhyay

Group Head of Consumer Banking

Arup joined ADCB in 2005 and is Head of the Consumer Banking Group. He had previously spent seven years with Citibank, becoming Head of Wealth Management products and Marketing Director for its UAE Consumer business. Before that, he worked with Unilever in India in several sales and marketing roles. Arup is a mechanical engineering graduate and holds an MBA from the Indian Institute of Management, Lucknow. In 2016, Arup was named the Retail Banker of the Year in the Middle East by The Asian Banker, Singapore.

Kevin Taylor

Group Treasurer

Kevin joined ADCB in 2009 as Head of the Treasury & Investments Group. He has held significant treasury and risk positions in global organisations such as ALICO, Citigroup, Westpac Bank and Merrill Lynch. At ADCB, he is responsible for FX trading and sales, derivative trading and sales, and fixed income and investments personnel along with money market, balance sheet analytics teams. Kevin has over 30 years of global experience in banking and finance and is a member of the UAE Banks Federation Financial Markets Committee. He holds an MBA from Macquarie University in Australia and a Master of Science in Risk Management from the Stern School of Business, New York University.

Ali Darwish

Group Head of Human Resources

Ali joined ADCB in 2010 and has more than 20 years banking experience, working in the top financial institutions in the UAE. As Group Head of Human Resources, he is responsible for driving a high-performing culture and engagement across the Bank. He has expertise in talent development, engagement, change management and business strategy.

Abdirizak Mohamed

Group Chief Internal Auditor

Abdirizak has been the Group Chief Internal Auditor at ADCB since 2006 having previously worked at the NASDAQ Stock Market, NASD (FINRA) and OFHEO (FHFA). He has more than 25 years of financial industry experience that spans capital markets management, accounting policy/applications, examinations and auditing, risk management, regulatory oversight, and corporate governance. Currently, he is the Chairman of the UAE Banking Federation Audit Committee, and continues to serve as an Audit Committee member of various Abu-Dhabi based companies. Abdirizak is a Certified Public Accountant and holds a Master’s degree from The George Washington University in Washington, DC, and a Bachelor’s degree from the University of Washington in Seattle, WA.

Simon Copleston

Group General Counsel and Board Secretary

Simon has been Group General Counsel and Board Secretary at ADCB since 2008. After graduating from Durham University in the UK, he practised corporate law in the City of London for eight years. He joined Abu Dhabi Investment Authority in 2006, acting as a lawyer to the Emerging Markets department and the Strategic Investment and Infrastructure teams. He has more than 20 years of experience in banking, finance and corporate law. Simon is a UK-qualified solicitor and has been highly instrumental in the Bank’s recent recognition as a regional leader in corporate governance.

Paul Keating

Group Chief Risk Officer

Paul was appointed as ADCB’s Group Chief Risk Officer in January 2018 having previously worked for the Australia and New Zealand Banking Group for over 30 years, where he served in various capacities across the world. Paul’s last role at ANZ was the Chief Risk Officer and Head of Credit for the Pacific division, which was responsible for 11 countries. Paul has responsibility for Compliance, Operational Risk, Market Risk, Fraud Risk, Credit Policy and Information Security. He sits on various Management and Board Sub Committees to provide an enterprise wide risk management perspective. Paul holds a Bachelor of Commerce and Administration from Victoria University in New Zealand and a Post Graduate Diploma in Banking Management from Massey University in New Zealand.

Tilak Silva

Group Chief Credit Officer

Tilak was appointed as the Group Chief Credit Officer in January 2018, having been the Acting Group Chief Risk Officer since March 2017. He has been with ADCB for 38 years, focussing on credit underwriting, remedial risk & restructuring. He has an in-depth understanding of the functionalities of all areas of the Bank. Prior to joining ADCB, Tilak worked for Hatton National Bank in Sri Lanka, undertaking different roles within the Credit Group.

2018 Annual Report