CURRICULUM VITAE Professor DR. Osama A. El-Ansary 1. Personal Details: Name : Osama Abdel Khalik El-Ansary. Nationality : Egyptian. Mailing Address : P. O. Box 249 Al-Orman, Postal Code 12612, Giza, Egypt. Tel. No., : Home: 00202-37162643 : Office: 00202-35676060 : Mobile: 002-0122-3100035 Fax., : 00202-35691034 E-mail : [email protected] [email protected] Web Page @Cairo University : Scholars : http://scholar.cu.edu.eg/?q=oelansary/publications Date of Birth : 22/2/1953 Marital Status : Married, Two Children. Present Position & Previous Experience: - Professor of Finance and Banking, Faculty of Commerce, Cairo University. - Vice Dean, Post Graduate Studies & Research at Faculty of Commerce, Cairo University, since October 2011 to 1st August 2013. - Deputy Director, Cairo University Center for Open University Learning, August 2010 to April 2011. - Chairman, the Supervisory Committee on the activity of Misr Insurance Corporation Money Market Fund, daily cumulative return, August 2014 to date. - Member of the Supervisory Committee on the activity of Suez Canal Insurance Corporations, Money Market Mutual Fund, daily cumulative yield, January 2016 to date. - Certified Education Quality Assurance & Accreditation Reviewer/Auditor, "NAQAA": National Authority for Quality Assurance & Accreditation of Education, 2012 to date. - Professor (Finance & Banking), Business Administration Department, Faculty of Commerce, Cairo University. (working with Cairo University from 1974-todate). - Board Member, Sadat Academy Council, 2012 to date. - Regional Capital Markets Expert, Since 2000 to date. - Board Member, Benchmark Capital Corporation (BCC), Investment Banker Advisory Services, Jan 2010 to date. - Board Member, Egyptian Society for Corporate Governance (ESCG), from May 2010-to date. - Consultant, Cairo University, Vice President for Students affairs and Education, Oct., 2009 to Jan., 2011. - Consultant and Head of The Computer and Linguistic Unit, Research and Commercial Studies Center, RCSC, Faculty of Commerce, Cairo University, Jan 2006 to August 2010. Professor Dr. Osama A. El-Ansary C. V. June 2016 - Academic Board Member, Regional Information Technology Institute, RITI, Jan 2006 to 2014. - Regional Financial Consultant, National Technology Group, NTG, (Mubasher) Jan 2008 to date. - Research & Development Expert, On sabbatical to the Egyptian Capital Market Authority, as full time Local Expert, From Jan., 2001 to Dec., 2005. - Board Member, The Roots Stock Brokerage House, 1995-1999. 2. Degrees: - Ph.D. Business Administration, (Finance & Banking), Edinburgh University, UK. November 1985. - Scottish Business School Doctoral Program (Research & Quantitative Skills Course) 1983/1984. - Msc (Business Administration), Faculty of Commerce, Cairo University, 1980. - B. Com. (Business Administration) Very Good With Honours Degree, Cairo University, 1974. Ph.D. and MSc Thesis: 1- “Cost Benefit Analysis Study for the Efficiency of Using Invested Funds: An Empirical Study on Metallurgical Industries Sector for Egyptian Public Sector Companies”, Master Degree MSc, Business Administration Department, Faculty of Commerce, Cairo University, 1980, Supervised By Professor Dr. Atef Ebiad. 2- Modeling the Operations of Egyptian Joint Venture Banks, PhD Thesis, Management Department, University of Edinburgh, Scotland, United Kingdom, 1985. 3. Career : From Sept., 2009 to Date - Vice Dean, Post Graduate Studies & Research, October 2011 to 1st August 2013. - Professor (Finance and Banking), Faculty of Commerce, Cairo University. - Consultant, Cairo University, Vice President for Students affairs and Education, Oct., 2009 to Jan 2011. - Consultant, Research & Commercial Studies Center, Faculty of Commerce, Cairo University, Jan 2006 to August 2010. - Member of Strategic Planning Committee, Cairo University, September 2009 to Date. - Member of Strategic Planning Committee, Faculty of Medicine, Cairo University, November 2009 to Date. - Member of Strategic Planning Committee, Faculty of Pharmacy, Cairo University, November 2009 to Date. From August 2010 to April Deputy Director, Cairo University Center for Open 2011 University Learning, From Jan., 2001 to Dec., 2005 - On sabbatical to the Egyptian Capital Market Authority, as full time Local Expert: -Research and Development Expert. - The Supervisor of the International Relations 2 Professor Dr. Osama A. El-Ansary C. V. June 2016 Sector and the Information Center. This task was sponsored by UNDP through the OUDA project. From Jan., 1994 to Dec., 2000 Associate Professor, Faculty of Commerce, Cairo University From Sep., 1988 to August On Secondment to United Arab Emirates 1994 University, Faculty of Economics and Administrative Sciences, Business Administration Department From Feb., 1986 to August 1988 Assistant Professor Business Administration Department, Faculty of Commerce, Cairo University From Feb., 1982 to Dec., 1985 Ph.D. Graduate Student at Edinburgh University, UK From Oct., 1974 to Jan., 1982 Assistant Lecturer, Business Administration Department, Faculty of Commerce, Cairo University From May 1976 to Dec., 1977 Research Assistant (part time), The Council of Arab Economy Unity (CAEU). I conducted a study titled "The Marketing of CEMENT in the Arab World" From Jan., 1977 to Jan., 1982 Research Assistant (part time), Population And Family Planning Board. I assisted a number of projects financed by "UNFPA" in the following areas: Planning, Monitoring, Evaluation and Finance 4. Consultations, Teaching and Training Experiences: 4/1. Capital Markets Expert Related Experiences as Supervisor for the International Relation Department and as Research and Development Expert for The Capital Market Authority (CMA) (2001-2005): 1 Developing Capital Markets Strategic Plans (Egyptian Capital Market/ Kuwait Capital Market) 2 Research and Development for Capital Markets Regulations and Rules 3 Developing Investor Relations Program 4 Developing the Application of Corporate Governance and Social Responsibility Concepts and principles in the Egyptian corporations 5 Financial Markets Control 6 Developing Bond and IPO's Market 7 Applying the Principles of the International Organization For Securities Commissions (IOSCO) 8 Market Surveillance for Securities Trading 9 Non Bank Financial Institutions Development 10 Insider Trading Regulations 11 Progress Reports and Annual Reports for Capital Markets Authority 12 Developing and Preparing Memorandum of Cooperation and Understanding (MOU's) with Local and International Institutions 13 Developing Securitization Activities in Egypt 14 Mutual Funds Performance and Control 3 Professor Dr. Osama A. El-Ansary C. V. June 2016 15 The Role of Self Regulatory Organizations (SRO's) 16 Capital Markets Operations Control and Monitoring 17 Developing The Egyptian Capital Market e-gov Strategic Plan 18 Developing Margin Trading and Short Selling transactions 19 The development of securities market professional training programs, certificates and qualifications standards and related international accreditation. 20 Participate in the Development of the Institute of Directors for Corporate Governance 21 Participate in Developing the Securities Listing Rules in the Stock Exchange 22 Developing Stock Exchange Listing Rules compatible with Corporate Governance principals. Developed a number of Strategic Plans for the following Institution: 1- Ministry of Higher Education, Culture Affairs and Missions Sector. 2- Cairo University. 3- Faculty of Medicine, Cairo University. 4- Faculty of Pharmacy, Cairo University. 5- Faculty of Commerce, Cairo University. 6- Kuwait Stock Exchange. 7- Egyptian Capital Market Authority. 4/2. Teaching and Training Topics: - Islamic Finance, Finance for Non-Financial Managers, Financial Markets and Institutions, Corporate Finance & Advanced Corporate Finance, Investor Relations, International Finance, Privatization and Financial Transparency, Information Technology & Developing Financial Institutions, Investment Management, The Marketing of Bank's Financial Services, Commercial Banks Management, The Internet & The Stock Exchange, Islamic Banks Management, Credit Analysis, Banking Technology (EFTS), Deposits Accounts Management, Investment Management For Insurance Companies, Documentary Letters of Credit, Financial Analysis, Bank Financial Planning, Feasibility Study, Marketing Research, The Preparation of Bank Marketing Plan, Securities Investment Analysis, Developing Selling Skills for Financial Institutions (Banking & Insurance Services), Research Methodology, The Management of Selling Activities, Office Automation, Meetings Management, Commercial Bank Capital Management and Capital Adequacy, Portfolio Management, Management Information System, Operations Research, e-commerce, e-business and a number of Computer Programs (EXCEL, Linear Programming Programs, MINITAB, SPSS/PC+ , Using The Internet for Investment and Finance Decisions). - Special Programs: - Research Methodology and Projects Finance. - Research Methodology & Statistical Analysis Using SPSS. - Writing Up Research Projects Proposal for Local and International Research Centers. - Writing Up Projects final Reports. - Research Projects Follow up and Evaluation. 4 Professor Dr. Osama A. El-Ansary C. V. June 2016 - How to Apply for a research Grant? - Participate in a number of training programs and workshops with The Arab Council for Postgraduate Studies and Scientific Research, Arab Universities Union. (2006- to date). 4/3. Training and Consulting Services for the Following Institutions: - Benchmark Capital Corporation (BCC), Investment Banker Advisory Services. - Strategic Plan 2010-2015, Faculty of Pharmacy, Cairo University. - Strategic Plan 2010-2015, Faculty of Medicine, Cairo University. - Certified Credit Course 2009-2010, Industrial Development Bank. - Cairo University, Vice President office for students affairs and education, Strategic Planning Unit. - Strategic Plan, Ministry of Higher Education, Cultural and Fellowships Sector. - The Computer Center, Research Center, Faculty of Commerce, Cairo University. - The Arab Council for Postgraduate Studies and Scientific Research, Arab Universities Union. - Bank Misr Training Center (Egypt). - " TOPMAN " Top Management Consultants (Egypt). - General Association For Controlling Insurance Companies (Egypt). - "TEAM" International, Arab Center For Management Development (Cairo). - Abu Dhabi Chamber of Commerce & Industry (UAE). - Emirates Bankers Training Institute (Sharjha, UAE). - International Management Center (IMC) Cairo. - Arab Business Administration Association, Cairo. - General Agency for Organization and Management, Administrative Training Center (Cairo). - Arab Banking Union. - Egyptian Banks Association. - Emirates Industrial Bank (Dubai). - Organization And Management Agency (Abu Dhabi). - Ministry of Education, Commercial Education (Dubai). - Management Development Center, American University In Cairo. - Arab Bank International, Cairo. - The Saudi Arabia Monetary Agency (SAMA), Institute of Bankers, Al-Riyad. - Rayed Bank, Jada. - Totality International Expertise, Cairo. - Performance, for training and consultations, Cairo. - Hegazia Center for Training, Consultations and Management, Cairo. - Management Consulting Center (MCC), Cairo. - Al-Ahlia Insurance Company, Egypt. - Cairo Barclays Bank, Cairo. - Fisal Islamic Bank, Egypt. - The Gulf House for Consulting and Training, (SEMINAR) Cairo. - Al-Delta Insurance Company, Cairo. - Ministry of Higher Education, (Abu Dhabi). - The Principal Bank for Development And Agricultural Credit (PBDAC). - The National bank of Egypt. - Cairo Portfolio Management & Investment Corporation. - Chemonics Egypt. - Kuwait Capital Market. 5 Professor Dr. Osama A. El-Ansary C. V. June 2016 - Petrojet Petroleum Corporation. - Inpy Petroleum Corporations. - National Technology Group, NTG, Mubasher. - Renault Car Company. 5. Special Designed Training Programs: - Research Methods and Statistical Analysis Diploma, RCSC, Faculty of Commerce, Cairo University, 2010 to date. - Banking Operations Professional Diploma, RCSC, Faculty of Commerce, Cairo University, 2009 to date. - Professional Career Diploma for Credit Certificate, A very special designed professional Diploma for Credit career in banks, 2009. - Professional Diploma: Research Methodology & Statistical Analysis Using SPSS. We Offer this Diploma through Research & Commercial Studies Center, RCSC, Faculty of Commerce Cairo University, 2009. - Principles of Investment, Fundamental Analysis, Financial and Business Center, Research and Commercial Studies Center, Faculty of Commerce, Cairo University, 2008, 2009. - Advanced Finance and Investment, Arab Academy for Sciences and Technology and Maritime Transport, Syria Branch, Bahrain Branch, Riyadh, Jeddah 2005- 2009. - Investment and Portfolio Management, Arab Academy for Sciences and Technology and Maritime Transport, Syria Branch, Bahrain Branch, 2005-2008. - Finance for non-financial Managers, Petrojet Egypt, 2004, 2005, 2006. - Advanced Finance and Investment, Arab Academy for Sciences and Technology and Maritime Transport, Saudi Arabia Branch, 2005. - Corporate Governance for Financial Institutions, Insurance Sector, Egypt, 2004. - Investor Relations, Ministry of Public Sector Enterprises, Egypt, 2003. - Introduction to Finance and Banking, Inpy Petroleum Company, Egypt, 2003. - International Bonds (Eurobond Market), National Bank of Egypt, May 2000. - Portfolio Management & Analysis for Insurance Corporations, 1999. - The Management of Selling Activities, The Institute of Banking (IOB), Riyad, (SAMA), 1997-1999. - Selling Skills, The Institute of Banking (IOB), Riyad, (SAMA), 1997-1999. - The Preparation of Bank Marketing Plan, The Institute of Banking (IOB), Riyad, (SAMA), 1997-1999. - Portfolio management, Cairo Portfolio Management & Investment Corporation, 1988. - The Preparation of Bank Marketing Plan, Riyad Bank, Jada, (SAMA), Nov., 1996. - Successful Sales Interviews, Totality, Jan., 1997. - High Quality Service In Banks, Totality, Dec. & March, 1996. - The Management of Selling Activities, Riyad Bank, Jada, (SAMA), Nov., 1996. - The Preparation of Bank Marketing Plan, Riyad Bank, Jada, (SAMA), Nov., 1996. - Measuring And Improving Bank Service Quality, Arab Bank, Cairo, June 1996. - Measuring And Improving Financial Service Quality In Financial Institutions, Totality, March, 1996. - Developing Selling Skills for Insurance Services, Al-Ahlia Insurance Company, Cairo, Sep.,- Dec., 1996. - High Quality Service In Banks, Fisal Islamic Bank, October 1995. - The Analysis And Evaluation of Securities Investments for The Egyptian Insurance Companies, Al- Delta Insurance Company, Cairo, October 1995. 6 Professor Dr. Osama A. El-Ansary C. V. June 2016 - Successful Sales Meetings (face-to-face) Interviews, The Saudi Arabia Monetary Agency (SAMA), Banking Institute, Al-Riyad, September 1995. - Excellency in Serving Clients, Cairo Barclays Bank, Sep., 1995. - Basic Banking Skills, The Principal Bank for Development And Agricultural Credit (PBDAC), The Research Center, Faculty of Commerce, Cairo University, 1994-1995. - Communications Skills And Meetings Management, Organization And Management Agency, Abu Dhabi, 1994. - Recent Developments in Bank Management, Ministry of Education, Commercial Education, Dubai, 1994. - Feasibility Study, Emirates Industrial Bank, Dubai, 1993. - Office Management And Automation, Organization And Management Agency, Abu Dhabi, 1993. - Economic Feasibility Study, Abu Dhabi Chamber of Commerce, AL-Ain, 1993. - Documentary Credit For Businessmen, Abu Dhabi Chamber of Commerce & Industry, Al Ain, 1991. - Introduction to Bank Management, Emirates Bankers Training Institute (Sharjah, UAE) 1990. - Financial Resources Management, Arab Financial Managers, Geneva, 1987, Organized by Arab Center for Management Development (TEAM) International. - Planning And Monitoring, Central Bank of Kuwait, Kuwait, 1987. - Bank Marketing for Islamic Banks, Fisal Islamic Bank, Cairo, 1987. - Investment Management for Insurance Companies, General Association for Controlling Insurance Companies, Cairo, 1988. - Financial Evaluation for Insurance Companies, General Association for Controlling Insurance Companies, Cairo, 1988. - Bank Marketing, Research Center, Faculty of Commerce, Cairo University, Cairo 1988. - Credit Analysis, Egyptian Banks Association, Cairo, 1988. - Modern Techniques for Credit Analysis, Bank Misr, Training Center, Cairo, 1986-1988. - Financial Analysis for Business Clients, Bank Misr, Training Center, Cairo, 1986- 1988. 6. Professional Experience In Business & Training (Consultant): - Cairo Demographic Center (CDC), Cairo, May-Aug., 1988. - Bank Misr, Training Center (1986-1988). - Ministry of Housing, Cairo, May-Oct., 1986. - Research Center, Faculty of Commerce, Cairo University, 1986-1988. - Arab Center for Management Development, (TEAM) International, 1987-1988. - Participated in Developing the Technical Commercial Education for Ministry of Education, Commercial Education, UAE, Dubai, From 1992 to date. - Training Consultant for Totality International Expertise, Cairo, 1994 till now. - Participated in examining and evaluating the Management Program for Sharjah College, Ministry of Higher Education, United Arab Of Emirates, 1996. - Participated in Conducting The Marketing Feasibility Study for a new Transportation Company, Hegazia Center for Training, Consultations and Management, Cairo. 1997. 7 Professor Dr. Osama A. El-Ansary C. V. June 2016 - Participated in Conducting And Analyzing Data for Several Research Projects for The Principal Bank for Development And Agricultural Credit (PBDAC) in the areas of marketing and informal finance in rural Egypt, 1995-1998. - Participated in an International Visitor Program " The U.S. Financial System" sponsored by the USIS, where I visited all the major financial Institutions in U.S.A. and met with their Professionals. July-22- August 12, 1999. - Economic Editor for "El-Ahram El-Iktisadia Magazine, The Egyptian Stock Exchange Review", published a number of articles about the Egyptian and Turkish privatization experience, Egyptian Stock Exchange Performance and The Stock Exchange & The Internet. (Evaluation for the important Egyptian Financial Institutions Home Pages on The Web). - Participated in the Market Surveillance Senior Advisors Study Tour, Chemonics International, Washington D.C., 3-16 February, 2002. - Ministry of Higher Education, The Strategic Plan for Cultural Affairs and Missions Sector, Research & Commercial Studies Center (RCSC), Faculty of Commerce, Cairo University, Dec 2008-2009. 7. Professional Memberships : - (DAVO) The German Middle East Studies Association For Contemporary Research and Documentation. - Egyptian Society for Corporate Governance. - European Finance Association. - Egyptian Commercial Association. - Arab Management Association. - Board of Directors Member, Information Technology Association. - Board of Directors Member, Financial Consultant and Founder, The Roots Securities Brokerage Company. (1995-1998). - The Arab Academy for Banking & Financial Sciences, Membership (Fellow Rank), Jordan, 1997 to date. - Academic Board Member , The Regional Information Technology Institute (RITI) from January 2006 to date. 8. Published Research: 1- El-Ansary, Osama, (1990) Analytical study of the banking system structure in UAE, Environmental and economic dimensions in the Gulf Co-operation Council (GCC) Countries Symposium, U.A.E. University, Al-Ain 13-15 March 1990. 2- El-Ansary, Osama, and Gohname, Ahmed, (1991) Analytical study of the U.A.E. consumers adoption of electronic banking financial services (ATM & Phone Banking), The Scientific Journal for Faculty of Commerce, Assuit University, No. 17, 1991.pp 153-192. 3- El-Ansary, Osama, (1992) Testing the relationship between market share and other determinants affecting commercial bank profitability, The Egyptian Journal for Commercial Studies, Al Mansorai University, NO. 2, 1992. 4- El-Ansary, Osama, (1993) Means of protecting depositors during banking crises, A proposed deposits insurance scheme, The Scientific Journal for 8 Professor Dr. Osama A. El-Ansary C. V. June 2016 Faculty of Commerce, Cairo University (Bany Swaif), No. 6, VOI. 3, July 1993. 5- El-Ansary, Osama, and Zayed, Adel (1995) Consumers Perception For Bank’s Service Quality, The Review of the Faculty of Commerce, Banha University, No., 2, 1995. 6- El-Ansary, Osama, and Zayed, Adel (1996) Measuring Market Orientation For Egyptian Insurance Companies, The Scientific Journal for Faculty of Commerce, Cairo University (Bany Swaif), No. 1, VOI. 6, January 1996, (co- authored). 7- El-Ansary, Osama, (2008) Determinants of Capital Structure of Egyptian Corporations, The Review of the Faculty of Commerce, Banha University, No., 2, 2008. 8- El-Ansary, Osama, (2009) Determinants of Capital Adequacy Ratio in the Egyptian Commercial Banks, Accounting, Management and Insurance Review, Faculty of Commerce, Cairo University, No., 72, 2009. 9- El-Ansary, Osama, (2009) Measuring the Interrelationships and Integration Between Assets/Liabilities in the Egyptian Commercial Banks, Accounting, Management and Insurance Review, Faculty of Commerce, Cairo University, No., 72, 2009. 10- El-Ansary, Osama , and Hamed, Salwa, (2009), Detecting the January Effect in the Egyptian Stock Market, Accepted Research, the Annual Conference for “Recent Business Administration Research Trends, Organized by the National Scientific Committee For Business Administration Staff Promotions, 19-20 July, Aan Shams University, Cairo. Conference Papers are available @: http://www.fcpeda.org/res.htm 11- El-Ansary, Osama and Agag, Amira El-Saeed, (2011) The Impact of Board Gender Diversity in the Egyptian Publicly Traded Companies, a research paper presented at: The Annual Conference of DAVO (German Middle East Studies Association for Contemporary Research and Documentation), 18th International DAVO Congress of Contemporary Research on the Middle East, at the Free University in Berlin, 6-8 October 2011. 12- El-Ansary, Osama and Samir, Ahmed, (2012), Factors Affecting Egyptian Consumers' Intentions for Accepting Online Shopping, a research paper presented at: The Annual Conference of DAVO (German Middle East Studies Association for Contemporary Research and Documentation), 19th International DAVO Congress of Contemporary Research on the Middle East, Erlangen, 4 - 6 October 2012. 13- El-Ansary, Osama and Gomaa, Tasneem, (2012), The Life Cycle Theory of Dividends: Evidence from Egypt, International Research Journal of Finance and Economics, Issue 97, September 2012, pp. 72-80. 14- El-Ansary, Osama and Atuea, Mona, (2012), The Effect of Stock Trading Volume on Return on the Egyptian Stock Market, International Research Journal of Finance and Economics, Issue 100, 2012, pp. 152-167. 15- El Ansary, Osama. and Atuea, Mona, (2013). "The Effect of Stock Trading Volume on Return Egyptian Stock Market”, LAP LAMBERT Academic Publishing, Germany. 16- El-Ansary, Osama and Samir, Ahmed, (2013), Factors Affecting Egyptian Consumers' Intentions for Accepting Online Shopping, The Journal of American Academy of Business, Cambridge, September 2013. pp. 191-201. 9 Professor Dr. Osama A. El-Ansary C. V. June 2016 17- El-Ansary, Osama, and El-Sood, Heba, (2014), Asset-Liability Management in Islamic Banks: Evidence from Emerging Markets Using Canonical Correlation Analysis, Paper presented at the 4th Islamic Banking and Finance conference (IBF), Lancaster University, 22-24 July 2014. 18- El-Ansary, O., T. A. El-Khalek, and M. Ibrahim, (2015), "Factors Influencing Leverage and Access to Credit: Evidence from Egyptian SMEs Firms", International Conference on Access to Finance SMEs and Entrepreneurs in the Arab World , Qatar University, 26-27 October, 2015. 19- El-Ansary, O., and H. Hafez, (2015), "Determinants of Capital Adequacy Ratio: An Empirical Study on Egyptian Banks", Corporate Ownership and Control, Volume 13, Issue 1, 2015, 806-816. 20- El-Ansary, O. and N. Youssef, (2015), Islamic Capital Markets Stability: An evidence from Asia and MENA Region, "Thematic Workshop on Islamic Financial Innovation" of Turin (Italy, October 21-22, 2015). 21- El-Ansary, O., Ahmed A. El-Masry and Z. Yousry, (2016), "The Determinants of Capital Adequacy Ratio (CAR) in MENA Region Islamic Banks vs Conventional Banks, 19th Eurasia Business and Economic Society (EBES) conference, Istanbul, May 26-28, 2016, Istanbul Technical University. 885-908 22- El-Ansary, O., Z. Elrashidy, (2016), "Risk and Return Analysis of Islamic versus Conventional Egyptian Mutual Funds, 19th Eurasia Business and Economic Society (EBES) conference, Istanbul, May 26-28, 2016, Istanbul Technical University. 46-63. 9. Conferences and Symposiums: - General Union for Chambers of Commerce, Industry and Agriculture in the Arab Countries Conference, (the 31 annual meeting), Abu Dhabi, November 1989, Member of the trade committee. - "Environmental and economic dimensions in the Gulf Co-operation Council (GCC) Countries Symposium", U.A.E. University, Al-Ain 13-15 March 1990, Submitted a research paper. - Financial systems and investment policies in banking and insurance sectors and their role in the process of economic development in U.A.E symposium, Al-Ain, May 1991, Faculty of Economics and Administrative Sciences, UAE University, Member of the symposium preparatory committee and submitted a research paper. - Banking System- A role in supporting national economy, Annual economic seminar, Abu Dhabi Chamber of Commerce & Industry Abu Dhabi, Dec., 1991, submitted a working paper. - A comparative study of deposits insurance institutions, A proposed scheme for Arab Countries, working paper submitted at: Banking Deposits Insurance Seminar, Arab Banking Union, Damascus, Syria, 16-18 June 1992. - Bank's market share and Sales analysis (U.A.E. Banking Market) paper submitted to "Successfully Marketing Financial Services in The Gulf Conferences", Pan Arab Research Center, Dubai 3-5 April 1993. - "The importance of documentary letters of credit to Marine Insurance Claims "Goods" seminar ", Emirates Insurance Association, Dubai 25/10/1992. - "UAE Manufacturing Investment Opportunities Seminar ", Organized by Ministry of Finance and Industry and Gulf Organization for Industrial Consulting, Abu Dhabi 4-5 May 1993. 10
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