Norman Bernard, Chairman

Norman has consulted extensively for financial services in W. Europe and the US, Poland, Croatia, Slovenia, Oman, Pakistan, Saudi Arabia, Kuwait, UAE and a number of Latin American and Asian countries. He has also worked more widely in e.g. mining, specialty plastics, crystal glassware, retail and business travel, magazine publishing and information services. He has directed assignments in market based strategy, organisation structure and development, management processes, technology and operations.

As a management consultant, Norman previously worked for Booz.Allen & Hamilton and McKinsey & Co and was a founding partner of London based financial services specialists First Consulting. At Booz.Allen he was Vice - President responsible for the firm's European financial services practice. Euromoney has listed Norman as one of the world's leading consultants to the financial services industry.

Norman's line management positions included Chairman and Chief Executive of Citicorp's Lloyd's Insurance Broker based in London. There he was responsible for the turnaround to profitability of a company with 200 employees and offices/subsidiary companies in the United Kingdom, Indonesia, Singapore and Saudi Arabia. Previously he was a Director of Grindlays Merchant Bank responsible for project finance, energy finance and non UK export finance. Norman's first position with Grindlays Bank (then a Citibank affiliate) was as General Manager, Group Planning. In this role, he was responsible for the bank's worldwide planning activities covering 11,000 staff and 200 branches across 45 countries. Earlier in his career, Norman was with National Westminster Bank. He worked in the economics department as head of international economics, in domestic branches where he gained experience in credit, foreign trade and bank operations and also in international business development.

Norman is a qualified banker, holds an MBA from Cranfield University and speaks Spanish, Greek and French. He is a non executive director of a US owned specialist Lloyds of London managing agency.

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Aslam Aziz, Managing Director and Head of the Operational Transformation Practice

Aslam Aziz, has over 30 years of international banking experience. This included assignments with Citibank in Pakistan, Qatar, Morocco and Turkey before moving to UK in 1989 to head Trade Finance and the Treasury Services businesses for Europe. Aslam then served as CEO of Orbian, a joint venture between Citibank and SAP, focused on the securitization and electronic distribution of trade receivables. In 2002 he became CEO of Habib Allied International Bank plc.

From 1986 to 1989, Aslam was Director, Centre of International Banking Studies in Istanbul, Turkey which was set up with financial assistance from the World Bank and Central Bank of Turkey. Later, he was Program Director at Citibank's European Training Centre in London. In 2003, Aslam co-founded BankT&D Consulting, a firm that offers strategy implementation, consulting, training and advisory services in almost all areas of banking.

Aslam holds degrees in Electrical Engineering and Business Administration from University of Karachi, Pakistan. He attended the Advanced Management Program at the Harvard Business School in 1997.

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Vinay Bijawat, Executive Director and Head of Top Line Growth and Risk Management Practices

Vinay has over 20 years of international banking experience having previously served as Managing Director and EMEA Operating Committee Member of Citigroup.

He spent 15 years with Citigroup in various Emerging Market countries and geographies (EMEA, Asia, Latin America) in senior Regional and Global Business and Risk Management roles covering Transaction Services (Cash and Trade) Asset Based Finance (Leasing ,Equipment Finance, Factoring and Auto Finance)and the SME sector. He was a Senior Credit Officer with Citigroup. Prior to Citigroup, he worked with the ANZ Banking Group in India and Australia, in various roles within Business Banking, Securitization, Relationship Management and Transaction Services.

His SME experience has been vast, having been the Regional Commercial Banking Head for Central and Eastern Europe, Middle East and Africa (CEEMEA), Regional Asset Based Finance Head for CEEMEA, International Risk Head for Commercial Banking and has been a Member of the Global SME Executive Management team from inception of this target segment within Citigroup. In these roles he has been responsible for starting and growing to market leadership the commercial banking businesses across various countries through organic growth and acquisitions (several large local banks) through both benign and stressed credit environments. Having also been the International Risk Head for all emerging market countries, he brings a unique Business and Risk perspective which is especially critical for the sustainable and profitable growth of this segment.

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Mazhar Latif, Executive Director, Mergers & Acquisitions Transactions Support Practice

Mazhar is a chartered accountant with over 25 years international banking experience in mergers and acquisitions and finance. He spent 18 years with Citigroup in various senior roles including Chief Financial Officer of Saudi American Bank (SAMBA) and senior EMEA M&A transactor. In the M&A role, he worked on all aspects of the M&A transaction from origination to completion (both acquisitions and divestitures) across Western and Eastern Europe, Middle East and Africa regions (Oman, Switzerland, Ireland, Belgium, Turkey, Poland, Egypt, South Africa, Hungary, UK, Germany, Pakistan, Ukraine, Russia and others).

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Kenneth Pasternak, Executive Director, Head of Organisational Effectiveness Practice

Ken Pasternak has a unique background combining over 35 years of experience in management development, institution building, and corporate banking. During his years as Director of Education and Training for the European Bank for Reconstruction and Development and prior to that as Vice President with Citibank N.A., he worked extensively across Europe, USA, central and eastern Europe, the former Soviet Union and China. Ken has lived in the USA, France, United Kingdom, Turkey, Belgium, and is currently based in Finland. Today Ken works mainly in the areas of organisational performance, leadership and effective management. He is the co-author of "Performance at the Limit, Business Lessons from Formula 1 Motor Racing" published by Cambridge University Press about how to build sustainable performance in highly competitive environments. Ken is also the co-author of "Managing Your Strengths," which describes a practical methodology for understanding oneself and offers strategies for improving one's personal effectiveness when working with others. Ken has taught on Executive MBA programs at Helsinki University of Technology and Copenhagen Business School. In 1997 he was awarded the title of Academician of the Russian Federation and he is a member of the International Council of the American Management Association. He is a graduate of Yale University.

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Sarabjit S. Chhatwal, Non- Executive Director

Sarabjit is a senior banker, seasoned consultant and trainer with extensive international experience. He has worked and trained in the Middle East, Asia, U.S. and Europe. During his 27 years of banking experience, of which 21 years were with Citibank, he held several senior credit, marketing, trade finance, business management and training positions.

Sarabjit spent a number of years working for Citibank's affiliate in Saudi Arabia (SAMBA), both in Jeddah & Riyadh, covering operations, corporate relationship management, credit & remedial management. He also worked in Singapore with Asia-Pacific regional responsibilities which included Credit Risk Management training Program Director and Regional Sales Head for Citibank's ADR/GDR depository business. In London, Sarabjit was Credit Business Manager for Citibank's Global Trade Finance Group, and then headed the Structured Trade Finance unit for Citibank Private Bank EMEA group. Most recently, Sarabjit was Global Product Head and Senior Business Manager for Citibank's e-business unit, serving customers across Europe & US.

Sarabjit left Citibank in 2002 to work as an independent trainer and consultant. BankT&D Consulting was formed in 2003 and Sarabjit is both a founding partner and part of the management team. His consultancy & training expertise covers Corporate & Commercial Credit Risk Management, Trade Finance, and Relationship Management. His experience in senior banking line positions, coupled with extensive consultancy & training assignments worldwide (which include Indonesia, Saudi Arabia, the Gulf Region, Asia & other Emerging Markets), allow him to provide practical insights into both the principles and application of credit and client relationship management. Sarabjit has undertaken several consultancy projects for international banks covering Business Process Re-Engineering, Due Diligence, Credit Risk Management & Trade Finance. Sarabjit has an MBA (gold medallist) in Finance and Banking and a BA (honours) in Economics.

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Walter Marlowe, Non-Executive Director

Walter has over 30 years experience in corporate banking, corporate finance and investment banking having worked with organisations such as Bankers Trust and Security Pacific Hoare Govett. He is an active private and listed equity investor and financial and management consultant based in London. Walter is also a visiting lecturer at City University Graduate Business School, London and has lectured and trained extensively for the international financial services sector over more than a decade. He is the author of a workbook on venture capital investing and has an MBA in finance and international banking from New York University Graduate Business School. He has also attended the University of Chicago's Advanced Management Program.

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