IIR’S SECOND ANNUAL

NEW MORTGAGE Hosted by…

FORUM 2009
22 – 26 February 2009 • The Mövenpick Hotel, Dubai, UAE
How To Join As A Speaker:
Exploring The New Mortgage Market… 1. Choose your participation:
Creating Change… a. 40 Minute Presentation
b. Q&A Panel Session
c. Conference Masterclass
Dear Mortgages Professional,
“71% of all UAE investors (See details at the bottom of this document)
What is changing in the Middle East mortgage market? will need a mortgage to 2. Select your topic from available
finance their investments” topics in this draft agenda, or
What should you do?
suggest your own
How can you address these recent challenges? - Gulf News, 10/21/08 3. Email keith.parker@iirme.com
What will the new mortgages market look like? with your choices ASAP to confirm.
Include your photo and a short
If you have been asking any of the questions above, this industry-leading event is biography
perfectly positioned to cater to your demands. IIR is proud to announce the Second 4. Enjoy the event as an industry-
Annual New Mortgages Forum 2009. leading speaker!
With so many changes to the mortgaging market and the way in which many professionals
believe mortgaging should operate, we had no choice but to revamp this highly lauded event to Among Our Confirmed
include answers to brand new questions you must confront.
And Invited Speakers:
Furthermore, you will have the opportunity to meet with the most senior executive in the
mortgage industry from the region and around the globe. They will answer the biggest questions Sally Laker
Managing Director
looming over many of our heads today, including those listed at the top of this page.
Mortgage Intelligence, UK

At The New Mortgages Forum, you will meet with delegates from a wide range of companies, Louise Cuming
including, but not limited to: Mortgage Providers, Retail and Commercial Banks, Islamic Banks, Head of Mortgages
Regulatory Authorities, Credit Bureaus, Law Firms and Consultants. moneysupermarket.com, UK

Production is underway and we are currently securing experts, practitioners and gurus from the Andy Gray
Middle East and the international community to share new perspectives and interesting case Head of Mortgages
studies on new developments in the Middle East mortgage market. Woolwich, UK

Please have a look at the details of this event below, review the requirements for participation as
a speaker, and reply to Keith Parker, Conference Manager, at keith.parker@iirme.com with the
information required of speakers.
The draft agenda for this event is
included on the following pages
and you are cordially invited to
select one of the sessions to speak
on. Alternatively, you are welcome
to suggest a case study of the project
you are currently working on.
I look forward to seeing you there.
Best regards,
Keith Parker
Conference Manager
New Mortgages Forum 2009
Parvinder Singh
Head of Mortgages
Emirates NBD, UAE
Wasim Saifi
As a speaker at this summit, you can: Chief Executive Officer
9 Reinforce your position as a leader in the Middle Tamweel, UAE
East mortgage industry
9 Share results of an exciting new project or Marwan Bin Ghalaita
approach Chief Executive Officer
9 Network with your peers and other industry Real Estate Regulatory Authority,
UAE
leaders while participating in high-level,
stimulating discussions
9 Receive FREE admission to the forum including Chris Dommett
Chief Executive Officer
all networking sessions and lunches
John Charcol, UAE
9 Enjoy and participate in our innovative social
programme Steve Morris
Group Business Development Director
MetLife Insurance, UK
www.iirme.com/mortgages And Many More…
 Presentations will last about 45 minutes. Case study presentations are particularly encouraged.

Forum Day One: Sunday, 22 February 2009

What Is Happening In The Market?
To confirm your participation, contact:
Facing Into Financial Turmoil – What Changes Will
We See In The GCC Mortgage Market In 2009? Keith Parker
IIR Middle East
• Gulf Decoupling, Credit Crunch And Sub-
Prime Meltdown – when will the financial Tel Office + 971 (0) 4 336 5161 Ext : 369
tsunami reach the GCC? Tel Direct + 971 (0) 4 407 2669
• What might our new market look like? Are the UAE Mobile + 971 (0) 50 276 9689
US Mobile + 1 310 601 8425
days of 90% LTV one for ever? UK Mobile + 44 (0) 20 8144 4024
Fax + 971 (0) 4 335 2715
Email 1 keith.parker@iirme.com
The Million Dollar Question – Predictions For Email 2 keith.usc@gmail.com
Mortgage Demand In The GCC
• Correlation to the regional property market
and the wider potential for a house price Life After Merger…
correction
• How will Islamic home finance be carried out
• Regional demographic trends and their impact following the Amlak-Tamweel merger?
on the structure of the mortgage market
• How will this large-scale merger affect
• Hedging and risk management strategies for competition and prices?
mortgage providers • Is this an option you should consider if times
• The extent and impact of central bank get tough?
intervention in the home finance market Sohail Zubairi
Chief Executive Officer
The Role Of Insurance In The Mortgage Market Dar Al Sharia Legal & Financial Consultancy LLC
• Discover the role of insurance in risk Dubai Islamic Bank, UAE
management
• Review the current challenges for both insurers What Does The Current Regulatory Environment
and those being insured Look Like And What Changes Can We Expect?
• Build a better game plan for working with • Look in-depth at UAE mortgage law and pre-
insurers to ensure mutual benefit registration law
Steve Morris, MBA • How will the new mortgage laws affect the
Group Business Development Director UAE market and beyond?
EIMEA Region • The role of credit bureau in the new mortgage
MetLife Insurance, UK market
Lynette Brown
Will The Demand For Mortgages Rise Or Fall And
Partner
To What Degree? Al Tamimi and Company, UAE
• Which markets can we expect to rise and
which to fall? What Should You Do?
• How much of a change will this be?
• How can you hedge your market approach to The Credit Checking Imperative
take into account these factors? • Credit checking has always been important, but
Chris Dommett now it is imperative – find out why
Chief Executive Officer • Can we compare the GCC with other
John Charcol, UAE international markets? Are we really that
different?
Lending, Responsibilities Beyond Your Budget Plan
Bassam Gabriel
Assistant Vice President
Emirates NBD Mortgages, UAE
Can Mortgage Distribution In The GCC Be
Improved?
Role Played By Distribution In Enhancing A
Mortgage Proposition
• Comparing mortgage distribution regionally
with other parts of the world
• Strategies for improving your own distribution
network and reaching the right people
Forum Day Two: Monday, 23 February 2009
Opportunities For Growth In A Changing
Market
Standing Above The Crowd And Generating
Continued Growth In Challenging Times
• Volatility always brings opportunity – but are
you positioned to take advantage of this?
Thriving Not Surviving – Strategies For Progress In
The Face Of Tightening Global Liquidity
• What is the current liquidity situation in the
GCC?
• How are central bank interventions influencing
liquidity on a day-to-day level, and are they
helping?
PANEL: How Can You Ensure Your Continued
Growth?
• What should mortgage professionals be
considering to ensure protection from negative
market conditions?
• Explaining new considerations to be taken into
account when creating a growth plan
• Ensuring a positive company-wide market
outlook
Steve Morris, MBA
Group Business Development Director
EIMEA Region
MetLife Insurance, UK
Philip Ward
Chief Executive Officer
Program Continued on Next Page…
Upendra Balchandani
Head - Sales & Business Development
Emirates NBD Mortgages, UAE
Managing Mortgage Default And Repossession
• At what point should repossession occur?
• How can you maximize your recovery through
the repossession process
• Understanding the latest laws pertaining to
repossession
Unannounced Abu Dhabi-Based Home Loan
Company, UAE
Barmak Besharaty
Independent Consultant
Former Managing Director
Almas Capital, UAE
Where did it all go wrong? New Risk Management
Strategies For Mortgage Providers
• Identifying and managing the key risks in your
business
• Hedging your risks, removing yourself from
unnecessary risk and managing unavoidable
risk
• Discovering the safest market segments to be in
right now
Mahendra S. Mehta
Managing Director
Neural Technologies & Software Pvt. Ltd., India
Thriving Not Surviving – Strategies For Progress In
The Face Of Tightening Global Liquidity
• What capital liquidity challenges are we facing?
• Finding liquidity in an illiquid global market
• Providing liquidity without overexposing
yourself to unnecessary risk
• Explore the trend of decreasing LTV rations
 What Will The New Mortgages Market
Look Like?
Dissect The Mortgage Approval Process And The
Role Of Risk Within It
• Bettering the process
• Risk identification during approval
• Risk mitigation and reduction strategies
• What market segment is right for you
Michael Vincent
Chief Executive Officer/ Director
ACRM Pvt Ltd., Singapore
Where Is The New Demand For Mortgages?
• Appealing to new market segments where low-
end properties are nearly non-existent
• Who will the new buyers be?
• What is the best way to reach these new
mortgage buyer markets?
Widen Your Sights And Find New Targets – Mid
Range Product Offerings As A Route To Success
• How many more luxury towers can the market
take? The mid to low end of the regional
property market is notoriously under served
What Is The Central Bank Doing?
• Explaining recent central bank actions and
what they mean for you
• What can we expect from the central bank in
the coming months?
• Discuss: How should the central bank be
reacting to market conditions?
A Perfect Partnership Or An Uncomfortable? How
Will Developer-Lender Relationships Cope With The
New Market Conditions?
• What will new relationships, partnerships and
contacts between developers and lenders look
like in this new market?
• Where are the biggest opportunities for growth
through lender-developer agreements?
• Looking back: How successful have these
arrangements been in the Middle East?
Damian Hitchen
Managing Director
Gulf Lenders Network, UAE
Program Continued on Next Page…
PANEL: Changes To The Mortgage Funding Market -
A Legal View Of Changing Funding Options
• What has happened in the international
markets to wholesale funding of mortgages?
• The warehouse and pipeline funding model: is
it over?
• What future for Gulf non-deposit taking
mortgage institutions?
• Islamic versus conventional: similar issues in
the change to funding model?
Christopher Walsh
Partner
Clifford Chance LLP, UAE
Bassam Gabriel
Assistant Vice President
Emirates NBD Mortgages, UAE
What Are The Biggest Opportunities In Islamic
Mortgaging?
• Discovering the latest trends in Islamic
mortgage product offerings
• How large is the market and how should you be
approaching it?
• What are the unique challenges of the Islamic
mortgage market?
Should We Be Concerned About Changes In The
Regional Consumer Confidence Index?
• What is the change in regional consumer
confidence?
• Where our market is heading and what are the
biggest opportunities for you?
• How is consumer confidence likely to develop
in the future?
Closing Keynote: What Opportunities Does The • What are the unique challenges of the Islamic
Islamic Mortgaging Market Present? mortgage market?
• Discovering the latest trends in Islamic
mortgage product offerings
• How large is the market and how should you
be approaching it?

In-Depth, Interactive Workshops

Risk Management As A Transparency Tool For The Mortgage Process
Workshop A: Tuesday, 24 February 2009. 8:30 – 14:30 with lunch and refreshment breaks
This interactive workshop will confirm to participants the value of correct and timely risk management in the mortgage
process and lifecycle.
• Scrutinise the role of risk management within the mortgage approval process
• Confirm the value of the risk process as a decision tool
• Examine the steps in the mortgage approval process that lead to a robust organisation
• Identify and manage the gaps identified in the decision process
• Utilise Risk management as a tool against fraud and corruption
• Undertake activities and relevant case studies
Michael Vincent
Chief Executive Officer/ Director
ACRM Pvt Ltd., Singapore

Compare And Contrast Mortgage Models In Western Markets With Those In The UAE And GCC
Workshop B: Wednesday, 25 February 2009. 8:30 – 14:30 with lunch and refreshment breaks

Today, we face one of the most significant tests the mortgage industry has seen in recent history. However, we do not
all face the same challenge. Markets across the world are reeling from financial crises yet each has taken their own
unique approach to tackling their respective predicaments.

Nonetheless, many approaches and proposals share similar characteristics, lauded by financial experts as universal
models for recovery and protection.

Yes, I have been purposefully broad in my description of current market approaches to lure you into asking this
question: What is similar and what is different!

Barmak Besharaty, our consistently acclaimed course leader last seen at our Cityscape conference, leads this
innovatively structured workshop. Barmak will lead you through the similarities and differences between western
mortgage models, notably those in the US, and our model here in the GCC, with a focus on the UAE. You will cover
commercial, residential and industrial models in-depth.

Finally, Barmak will show you how to use your newfound knowledge of our market to give you and your company a
competitive advantage in the ‘New Mortgage’ market of tomorrow….

Attend to enable yourself to:

• Compare and contrast the US market with the UAE and GCC
• Cover commercial, residential and industrial technicalities
• Identify key differences in mortgage models around the world
• Develop a competitive advantage with this new, more keen knowledge of the market

Program Continued on Next Page…

Barmak Besharaty
Independent Consultant
Former Managing Director
Almas Capital, UAE

Creating A Holistic Plan To Manage Risk Effectively

Workshop C: Thursday, 26 February 2009. 8:30 – 14:30 with lunch and refreshment breaks
9 You must be able to understand the conditions you are up against; develop a keen and in-depth understanding
of negative market changes globally and why they occurred
9 Develop a plan to protect you, your company and your employees from being adversely affected by a market
slowdown
9 Tackling the implications of a global market change on the Middle East market and discover why this affects
you and your company
Mahendra S. Mehta
Managing Director
Neural Technologies & Software Pvt. Ltd., India

Improve Transparency Through The Entire Mortgaging Process

9 Exploring, in-depth, the biggest transparency gaps through the mortgage lending process
9 Developing a plan for hassle-free transparency that both improves efficiency and quality while stamping out the
possibility of error
9 Exploring mortgage fraud and corruption case studies and understanding the lessons to be learned
9 Innovative mortgage product development

Be More Innovative When Developing Mortgage Products

9 In a changing market, innovation is key to staying above the competition; discover exactly how you can make
innovation work for you
9 Developing an environment and processes that encourage innovation in your product development team and
throughout your entire company
9 Exploring innovative case studies from banks across the world and applying the lessons to be learned

How Can You Be Involved?

Case Study Presentations: 40 minute session providing practical details of different strategies, including what
worked and what didn't work (e.g.: Case studies of practical implementation).

Information Presentations: 40 minute session focusing on a specific aspect of Middle East mortgages which may
be slightly more theoretical than case studies while still focusing on implementation and best practice.

Panel Session Participant: Question and answer discussion moderated by the chair where panelists give their
opinions and perspectives on highlighted topical issues.

Half or Full Day Workshop: Focused, specialised and highly interactive skill building sessions that provide more
detail than the information presentations, addressing particular issues surrounding the mortgage industry, focusing
on demonstrating the practicalities of particular strategies and providing useful tools.
If you are interested in presenting at this event, please e-mail Keith Parker at keith.parker@iirme.com
or call +971 4 407 2669 with the following information:
1. Proposed title of presentation
2. Proposed speaker name, job title and company name
3. Contact information including direct line, cell phone and email
4. Three or four bullet points outlining the presentation
5. A short biography
6. A color jpeg of you

Sponsorship and Exhibiting

For details on tailor made packages to suit your budget contact:
Arshed Hussain at +971. 4072715 or email sponsorship@iirme.com

Thank You For Your Time In Reviewing Our Pre-Publishing Draft Agenda
Please contact Keith Parker at keith.parker@iirme.com to confirm your participation