Rafique Dawood – Chairman / Director

Mr. Dawood is a businessman by occupation with more than 35 years of experience. He has completed his M.B.A. from Harvard University and B.Sc. (Hons.) from Manchester University. In 1994, Mr. Dawood formed Dawood Leasing Company (DLC) with a paid-up capital of Rs. 250 million. By virtue of its growth, the expanding company has obtained the license to conduct, in addition to leasing, the business of Investment Financial Services and Housing Services. To reflect the changes, the Company has changed its name to First Dawood Investment Bank Limited. The Company is among the top players of the industry and is one of the largest companies in Pakistan in term of net investment in lease finance. He is also the Chairman of BRR International Modaraba, which has an equity size of Rs. 830.54 million and a balance sheet size of Rs. 2,396 million as on March 31, 2006. BRR was incorporated in 1984. BRR is one of the largest Modarabas in Pakistan with an excellent dividend payout history.

Nikolaus Rafiq Schwarz – President & CEO / Director

Mr. Schwarz is an experienced Banker with the experience of Business Development, Relationship Management, Operations Management and Team Leadership. Mr. Schwarz has over 20 years experience in various organizations in Asia and the Middle East including Deutsche Bank AG & CommerzBank AG in conventional and Islamic Finance. It should be noted that Mr. Schwarz is an Austrian national and Alhamd-o-Lillah' a Muslim.

Ayaz Dawood – Director

Mr. Ayaz Dawood started his professional career in 1993 after completing his Masters in Business Administration in Finance and Money & Financial Markets from Columbia Business School, New York. In 1991, he completed his B.A. with distinction from McGill University, Montreal, Canada. In 1994, he joined FDIB as a Director mainly responsible for investment and treasury activities in addition to credit and marketing operations. During the twelve years of operations, under his stewardship, the treasury department has become the most active, diversified and top-ranking treasury departments in the NBFC sector. FDIB has also been an active participator in the debt and equity market since its inception. In fact, FDIB has participated in more term finance certificate (TFCs) issues than any other NBFC in Pakistan thus playing a significant role in developing the market for corporate debt instruments.

Aamir Husain Khan – Director
(Nominee - Unicorn Investment Bank, Bahrain)

Mr. Aamir H. Khan is working as Managing Director, Head - Global Private Equity in Unicorn Investment Bank, B.S.C. (c), Manama, Bahrain. Mr. Khan has completed his M.B.A from University of Chicago and B.S (Accounting) from University of Houston. Mr. Khan has more than sixteen years experience in private equity and risk management as well as in financing of constructions and operation of power plants and in oil, gas and chemical industries.

Mr. Khan previously served as Chief Financial Officer and Vice President of Structured Finance for ABN Amro's private equity arm in Chicago, where he was part of a team managing $500m of assets. Mr. Khan also managed all aspects of the group's equity and debt funds, and was actively involved in funding decisions as part of the Senior Management Investment Committee, and assisted the funds' investment team in reviewing business plans, partnership agreements, valuations and deal structure on prospective portfolio companies. Before joining ABN Amro, Mr. Khan was Finance Manager for Essa Saleh Al Gurg Group and Seimens principal agent in Dubai.

Mohammad Tariq – Director
(Nominee - Islamic Corporation for the Development
of the Private Sector-ICD, Jeddah)

Mr. Tariq is currently serving as the Treasurer of Islamic Development Bank, Jeddah, Saudi Arabia. As Treasurer, his responsibilities combine both the traditional treasury role (liquidity and resource management) as well as management of short, medium and long-term investments in conventional and Islamic asset classes. Prior to his current position, Mr. Tariq has been affiliated with Arab Banking Corporation, Bahrain as Assistant Treasurer and Head of Marketable Securities and with Faysal Islamic Bank of Bahrain as Head of Capital Markets and Asset Management amongst other reputable positions at various other institutions.

Mr. Tariq is a member of the Institute of Actuaries (London), Securities Institute (London) and has been a former member of Securities and Futures Authority (London).

Azam Essof Kolia – Director

Mr. Kolia is a well reputed business executive and has an influential presence in the Asia Pacific market, especially in the import and export trade of commodity products, like edible oil, sugar, spices and metals, especially since he has been engaged in this trade for the last 30 years. Taking on influential positions in so many companies, both locally and internationally, Mr. Kolia is indeed a prominent and highly respective figure.

He is also extensively involved in various social and charitable organizations. Mr. Kolia is member of the Board of Directors of DIBL.

Arif M. Ali – Director

Mr. Ali is an experienced banker with extensive contacts within the Private Banking and Global banking sectors in London, New York, Frankfurt, Geneva, Dubai, Bahrain, India, Hong Kong, Singapore and other Middle & Fart-eastern countries. He started his career with Ferguson Associates (Pricewaterhouse Coopers) in Pakistan as a Management Consultant. He has also been associated with American Express Bank Limited, ANZ Grindlays Bank Limited and most recently, Mr. Ali served as the Chief Country Officer and Head of Global Banking Division of Deutsche Bank AG, Pakistan.

Mr. Ali has served as Member of the Executive Committees of Pakistan Banks Association, Overseas Investors Chamber of Commerce & Industry and Pakistan German Business Forum.

Mr. Ali received his Bachelors in Industrial Engineering and Operations Research and MBA from Syracuse University, New York.