Amro Adel\'s Resume - December 2010

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Career background of 18 years in Risk Management and wholesale banking including; Corporate,
Commercial and SME Banking, Marketing and Islamic Finance, with Six Banks, In addition to a
special experience in SME banking and development from working with a USAID funded project.
With qualification in staff development, training and coaching, I am an accredited instructor in the
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Egyptian Banking Institute for several training programs.
CORE PROFESSIONAL STRENGTHS:
 Risk Management  Islamic Banking
 Corporate Banking  Bank Restructuring
 SME Banking  Training (Banking & Finance)
PROFESSIONAL EMPLOYMENT:
1. Industrial Development & Workers Bank of Egypt Feb 2010 –
Present
Director of SME Banking Group [General Manager] October ’10 - Present
Chief Risk Officer "CRO" - [General Manager] Feb. ’10 – October ‘10
2. Egyptian Banking Institute - [Part Time] Sept. 2009- Present
Instructor [SME Banking]
3. National Bank for Development March 2008–May
2009
[A Subsidiary of Abu Dhabi Islamic Bank Group]
General Manager, Head of Corporate & Commercial Banking Group
4. Union National Bank – Egypt Oct. 2007 –Feb. 2008
Regional Manager, Head of Corporate Banking Group
5. US Agency for International Development “USAID” June 2006–Aug.2007
SME Business Development Center
Investment and Finance Specialist
6. Bank of Nova Scotia – Cairo Feb 2005 – May 2006
General Manager, Commercial Banking
7. National Bank of Abu Dhabi – Egypt Dec. 1995 – Jan. 2005
Head of Corporate Banking Group `` Oct. ’02 – Jan. ‘05
Regional Credit Manager Dec. ’98 – Sept. ‘02
Asst. Manager – Regional Credit Dept. Apr. ’97 – Nov. ‘98
Senior Credit Officer Dec. ’95 – Mar. ‘97
8. National Societe Generale Bank “NSGB” Feb. 1993 – Nov.
1995
Senior Credit Officer
TRAINING EXPERIENCE [Courses Delivered]

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The Egyptian Banking Institute Sept. '09 - Present
An Accredited Instructor for several Training Programs in SME Banking and Risk Management.
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Regional IT Institute & the University of George Washington
 SME Banking for Entrepreneurs June 2007
Arab African international bank.
• Financial and Cash Flow Analysis and Projections Nov 2004
• Introduction to Credit Risk Management Dec 2004
CONFERENCING EXPERIENCE
• Chairperson and Speaker
The "Middle East SME Banking" Conference
By Marcus Evans International ` -Dubai, UAE May 2010
• Speaker and Panelist
Islamic Finance Road show 2010,
Organized by the Malaysian International Islamic Finance Center June 2010
• Speaker & Panelist
ADFIMI Development Forum 2010
Lectured on: Poverty Alleviation through SME Development
Association of National Development Finance Institutions in Member Countries of the Islamic Development
Bank “ADFIMI” - -Istanbul Turkey October 2010
• Speaker & Panelist
Arab Expo Business Forum
Lectured on Risk Management in SME Banking Cairo November 2010
EDUCATION
1. Post Graduate Diploma in Business Administration
Maastricht School of Management – Netherlands May 2006
Post Graduate Diploma in Business Administration [Half MBA] including 8 Courses as follows:
1. Financial Accounting 5. Managerial Accounting
2. Marketing Decision-Making 6. Financial Resources Management
3. Creating, Structuring & Managing Organizations 7. Manufacturing & Service Operations
4. Competing in the Global Arena Management
8. Strategy, Strategic Design & Strategic Behavior

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2. Bachelor of Arts in Accounting
Faculty of Commerce & Business Administration May 1991
Helwan University – Cairo
Graduation Grade: Very Good
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3. Thanaweyya Amma Certificate, [High school] - Kuwait
Grade: 87.8% 1983 – 1987
PROFESSIONAL CERTIFICATES:
1. Modern Accounting Certificate
The American University in Cairo Sept. 89 -May
‘91
Full time study consisted of 12 courses each for 3 credit hours, GPA: 3.32.
2. Business Administration Certificate
The American University in Cairo Jan
1992
Three sequential courses totaling 108 contact hours.
3. Comprehensive Banking Credit Management Certificate
The American University in Cairo Sept. ‘95- July ‘96
Institute of Banking & Finance
Grade A+ (97%)
1-Introduction to Accounting and Financial analysis
2-Lending Rationales
3-Asset Conversion Lending
4-Cash Flow Mechanics
5-Assets Protection Lending & Legal Aspects of Credit
6-Hedging Foreign Exchange Exposure in Credit
7-Capital Markets and Securities Industry
8-Modern Concepts & Theories in Banking Credit Management
9-Cash Flow Projection/Analysis
10-Trade Finance
11-Correspondent Banking
12-Evaluation of Companies

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TRAINING PROGRAMS : [Courses Attended]
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Dec. 2010 1. Operational Risk Management & Basel II
Organized by ADFIMI & IDWBE - Cairo
April 2010 2. Building SME Banking - Business Training
By the IFC & the World Bank Institute - Cairo
March 2010 Certified Advanced Basel II Master Class
3. Pillar 2: Supervisory Review & Evaluation (SERP)
Internal Capital Adequacy Assessment –
4. Pillar 3: Disclosure After the Global Crises :
Implementation & Compliance Training –
By the Basel II Compliance Professionals Association (BCPA)
May 2007 5. Understanding the Venture Capital Process
Dingmans Center for Entrepreneurship
Smith School of Business - University of Maryland
Dec. 2006 6. Risk Capital Investing in ICT
Organized by Nathan Associates INC, USA
June. 2005 7. Reducing the Risk
Scotia Bank Group’s Anti Money Laundering Training Program
Dec. 2002 8. Asheridge Leadership Process
Asheridge School of Management, Berkhamstad, UK
Oct. 2002 9. Developments in Retail Banking
Batt & Partners Consulting , London, UK
Sept. 2002 10. Internal Rating Systems – Basel I
Arab Center for Financial and Economic Studies - Cairo
May 2002 11. Making Great Leaders
Hay Group International – Dubai
Sept. 2001 12. Managerial & Supervisory Skills
Ernst & Young International, Cairo
May 1998 13. Investment Analysis & Portfolio/ Fund Management
The American University in Cairo
Institute of Banking & Finance
May 1995. 14. Foreign Trade Finance
The Cairo university
July 1994. 15. Marketing of Banking Services in a Competitive
Environment
Arranged by the Banking Institute- Cairo
May 1994. 16. Quality of Risk Evaluation:
Arranged by Societe Generale Banque – Paris
October 1993. 17. Asset Conversion Lending
February 1994. 18. Asset protection Lending
April 1994 19. Cash Flow Lending
Institute of Banking & Finance
The American University In Cairo
CONFERENCES , EXHIBITIONS & SEMINARS:

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December 2010 1. Access to Finance: The role of financial & capital markets in
supporting the competitiveness of companies.
Organized by coface Egypt & Chamber de Commerce Francaise en Egypte
October 2010 2. SMEs Financing: An Integrated Vision for the Next Era
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Organized by the Egyptian Banking Institute
October 2010 3. The 2nd Euro-Mediterranean Conference on Donor Funding,
Banking & Novel Financial Instruments
Organized by the Invest In Med Program
March 2007 4. The Public Private Partnerships MENA Summit “PPP”
Organized by The IFC and Egypt’s Ministry of Finance
February 2007 5. Cairo ICT
Egypt’s premier ICT Exhibition & Conference.
December 2006 6. Cairo Investment Forum
Organized by Egyptian Ministry of Investment
November 2006 7. GITEX & GULFCOMMS 2006 – Dubai, UAE
The Premier Gulf Information Tech & Communication Exhibition
Organized by Dubai World Trade Center
November 2006 8. Egypt Invest 2006
Organized by International Event Partners – Cairo
October 2006 9. Failure of Entrepreneurship Initiatives
Organized by the Egyptian Capital Market Association – Cairo
May 2006 10. Bank Marketing & Management Forum
Organized by American Bankers Association – Cairo
September 2005 11. Settlements and Payment systems between Arab Banks
Organized by the IMF, AMF and The IFC – Cairo
February 2003 12. Arab Economies and Dealing with the Challenges
Arab Monetary Fund & IDSC – Cairo
January 2003 13. Egypt’s Retail Banking & Consumer Finance Conference
Egypt’s International Economic Forum – Cairo
November 2000 14. International Banking Conference – Abu Dhabi
Organized by the National Bank of Abu Dhabi – Abu Dhabi – UAE
January 1994. 15. Credit Problems in the Public Sector
Organized by Union of Arab Banks – Cairo
December 1994. 16. European Middle East Partenariat
Organized by German Arab Chamber of Industry and Trade
SKILLS
• Computer Skills Excellent command of MS-office applications [MS-Excel, MS-Word, MS-
PowerPoint], Moody's KMV, SPSS, Internet/E-mail applications
• Language Skills -English Very Good
-Arabic Excellent (native)
EXTRA CURRICULAR ACTIVITIES
• Membership to the Basel II Compliance Professionals Association (BCPA)

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• Member of Commercialists Syndicate – Cairo
• Member of Gezirah Sporting Club
• Member of Ahly Sporting Club
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PERSONAL DATA
• Date of Birth: August 14, 1969.
• Place of Birth: Cairo.
• Nationality: Egyptian
• Marital Status: Single
• Military Service: Accomplished
FAVORED PASTIMES:
•Music [Rock, Jazz, Blues, classics, world music]
•Internet surfing
•Attending art exhibitions [photography, sculpture & paintings], with special taste for Modern art and
Renaissance creations.
•Reading: History, Politics, World Heritage and cultures
•Motor biking, Squash and Billiards
•Traveling [Visited and lived in]: Egypt, Kuwait, UAE, Syria, Lebanon, Qatar, UK, France, Netherlands,
Spain, China, Turkey, Thailand, Bulgaria, Belgium, Austria, and KSA].
REFERENCES:
Furnished Upon Request
Public Profile & Recommendations: http://eg.linkedin.com/in/amroadel
Amro M. Adel
Appendix I
Detailed / Job Descriptions
BANKING EXPERIENCE
1. Industrial Development & Workers Bank of Egypt Feb '10 – Present
Chief Risk Officer "CRO" – General Manager
Main job Responsibilities:
 Oversee all aspects of the bank’s risk management function and responsible for ensuring the
Bank maintains adequate credit, compliance, and operational risk procedures, thus ensuring

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the Bank is in full compliance with all banking laws, regulations, and internal policies and
procedures.
 Serve as an advisor to Senior Management in areas of risk.
 Oversee the development and implementation of appropriate financial models for risk
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analysis, risk measurement, and simulation analyses;
 Develop project risk management capabilities within the Bank
 Develop and implement an IT strategy to support ERM
 Arrange a sound and least-cost risk financing protection package.
 Lead and oversee the Loan Review, Compliance, and Internal Audit Department.
 Develop and maintain the appropriate operational and financial risk measurement systems to
measure, manage and report the Credit, Market and operational risk and performance of the
Bank.
 Develop risk management strategies within the framework of the Risk Management Policy,
profitability target and applicable regulatory constraints while limiting the Bank's exposure
to Market, operational and Credit risk contingencies;
 Provide an independent view regarding proposed business plans and transactions.
 Periodically review and recommend revisions to the Bank's Risk Management Policy and
Credit Policy.
 -Provide technical support to other departments in the areas of risk measurement, risk
integration and risk/return analysis.
 Assist the Board and senior management to establish and communicate the Bank's Effective Risk
Management objectives and direction
 Assist management with integrating risk management with the strategy development process
 Assist the CEO and the Executive Committee to develop and communicate risk management
policies, risk appetite and risk limits
 Develop risk mitigation strategies for the Bank's critical risks and for monitoring these risks
 Establish, communicate and facilitate the use of appropriate ERM methodologies, tools and
techniques
 Work with business units to establish, maintain and continuously improve risk management
capabilities
 Facilitate enterprise-wide risk assessments and monitor priority risks across the Bank
 Implement appropriate risk reporting to the CEO, Executive Committee, Board and senior
management
 Ensures effective alignment between the Effective Risk Management process and internal audit and
risk financing
 Conduct risk management education and training from time to time
 Assist the CEO and the executive committee with capital and resource allocation decisions
 Critically analyzes the results of Credit, Market and operational risk management programs
undertaken to determine that the desired risk profile and earnings stream was achieved,
including an analysis of the actual impact on the balance sheet, income statement, and risk
measures of the action taken.
 Ensures the Bank's compliance with the regulations and statutes, and applicable internal
Bank policies and procedures to ensure safe and sound business operations, recordkeeping,
and the proper disclosure of required financial, operational, and management information.
Head of SME Banking Group – General Manager
Main job Responsibilities:

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 Manage 6-8 teams of SME Specialists, responsible for the acquisition of new business,
through the sales of SME products such as Business Installment Loans, Business Overdraft,
Government Loans, SME Mortgage, CASA, Payroll etc.
 Work closely with the top management to develop and implement sales and service
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strategies to achieve (or exceed) committed targets in SME products.
 Continuously provide feedback and coaching to improve productivity levels of team
members, evaluate selling skills of sales force through regular joint calls/ business meetings,
encourage the sharing of sales best practices, and provide the sales force with the required
tools and resources to do their job well.
 Lead/assist SME Specialists in generating new business leads, meeting potential clients,
conducting an analysis of clients' needs and proposing suitable financial solutions.
 Generate new leads and prospects via sales promotions, out-marketing calls, presentations/
seminars, actively building alliances and partnership with governmental agencies and other
business associations.
 Build an information database on existing SME Banking customers to support relationship
building and cross-selling efforts.
 Keep abreast of market trends and competitor offerings, and conduct regular market updates
and follow-up activities for target customer groups, to better enhance product differentiation
in relation to external competition.
 Ensure teams comply with all applicable money laundering prevention procedures and, in
particular, report any suspicious activity to the Unit Money Laundering Prevention Officer.
2. National Bank for Development March ’08 - Present
[A Subsidiary of Abu Dhabi Islamic Bank Group]
General Manager, Head of Corporate & Commercial Banking
Act. Director of Wholesale Banking Division
Responsible for establishing strategies and managing all related matters to Financial Institutions,
Syndications & Structured Finance, Public Sector, Corporate Banking, Commercial Banking, SME
Banking and Business Banking]
Essential Duties & Responsibilities by Dimensions:
A. Shareholder & Financial:
 Implement the bank’s approved strategy / plan to facilitate achievement of related short and long
term business goals in the most effective and efficient manner.
 Oversee the development and subsequent implementation of annual plans by the individual
departments / functions comprising Wholesale Banking to ensure achievement of pre-set targets /
objectives, including but not limited to business growth and expansion.
 Approve / amend Key Performance Indicators for the purpose of performance monitoring and quality
measurement of the Wholesale Banking Division and systematic monitoring of their achievements in
terms of assets and liabilities.
 Manage the development and subsequent implementation of Wholesale Banking best practices
across all activities / operations comprising the Wholesale Banking Division to promote efficiencies
in work processes, ultimately resulting in increased customer satisfaction.

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 Review / analyze the Wholesale Banking Division management accounts (comprising the balance
sheet, income statement along with the budgeted figures) on monthly basis and positively address
adverse variances noted with the respective departmental / function heads.
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B. Customer (Internal & External):
 Ensure the provision of value added Wholesale products and services to existing / potential
Wholesale banking customers who seek banking relationships with the bank.
 Endeavour to enhance, maintain and deepen relationships with existing Wholesale customer base, as
well as building new relationships.
 Oversee the implementation and constant enhancement of the overall customer service culture within
Wholesale Banking.
 Approve Service Level Agreements with other branch divisions/ departments/ units to achieve
improvements in turnaround time, which will also help increase external customer satisfaction.
 Build and maintain strong and effective relationships with International Treasury, Retail and all
Head Office support functions in order to achieve the ADIB Group’s goals and objectives, including
cross-selling targets.
 Maintain and enhance relationships with Central Bank / other regulators.
 Ensure that the departmental heads provide timely and accurate information to the external and
internal auditors and the Compliance function, as and when required.
 Ensure efficient / optimum provision of support services to Sharia Division for the provision of
wholesale products and services.
C. Internal (Processes, Products, Regulatory):
 Responsible for establishing and maintaining a sound internal control environment across Wholesale
Banking departments including but not limited to the establishment of an organizational structure
that clearly assigns authority, responsibility, and reporting relationships and avoids conflict of
interest situations / inadequate segregation of duties.
 Provide initial approval for the overall policies and procedures pertaining to Wholesale Banking
activities / operations.
 Ensure that the approved strategy, business plans, budgets along with the approved policies /
procedures and subsequent amendments thereto are timely communicated to the respective
departmental heads to the extent these relate to their areas of responsibility, to enable them to be
guided by / pursue or comply with the same.
 Strive to maintain continuous compliance of the policies / procedures with prevailing practices /
regulations pertaining to Wholesale Banking promulgated by the respective regulators (viz. Central
Bank as well as other regulators in jurisdiction).
 Responsible for the ongoing management of the Wholesale Banking portfolio within the limits and
conditions set by the Board of Directors, the Group Executive Committee and other management
level committees.
 Responsible for overseeing the process of developing and managing relationships with Financial
Institutions and strengthening correspondent banking relationships
 Resolve / address resource issues (includes workforce and systems) faced by the respective
departments / functions either directly or through timely coordination with other Group divisions /
departments to enable them to meet their assigned targets.
 Oversee the rollout of innovative wholesale banking products by the respective heads of departments
/ functions and monitor their performance.

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 Manage, control, monitor and assume responsibility for the Wholesale Banking risk profile and
portfolio quality in line with the expectations of Credit Committee / Executive Committee.
 Monitor / review the Wholesale Banking portfolio by segment on overall basis and by product,
corporate profile, country, industry and other parameters on periodic basis to evaluate the quality and
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performance of the same.
 Lead the development of ‘early warning systems’ that highlight possible risk deterioration in the
wholesale credit portfolio, in order to allow for timely corrective action. Also, monitor critical
portfolio caps at required intervals and take prompt action in coordination with Credit Risk when
required to uphold the quality of the portfolio.
 Responsible for overseeing the overall action plans for addressing control weaknesses or compliance
issues noted by Internal Audit Department, external auditors or the Compliance function.
 Coordinate Wholesale Banking marketing initiatives with other line department /groups to maximize
cross-selling and advisory services opportunities for the benefit of the client and the Group as a
whole.
D. Learning & Knowledge:
o Hold meetings with staff and assess their performance as well as the function’s overall performance
on a regular basis.
o Manage all administrative operational aspects of division personnel (e.g. leave schedule, training,
appraisal, remuneration etc.) in accordance with established HR policies and procedures.
o Take decisive action to ensure speedy resolution of unresolved staff grievances or conflicts within
the team.
o Possess a superior knowledge of the Wholesale banking business, its products and related risks
together with a good knowledge of operations and control.
o Identify areas for professional development of self and other staff.
E. Other:
 Ensure high standards of confidentiality and ethics to safeguard commercially sensitive information.
Member of:
-Executive Committee -Credit Committee -Assets/Liabilities Committee
Job Dimensions:
[Loan Portfolio of EGP 7.1 Billion and 70 operating branches]
No of staff reporting to me: 100 Employees
________________________________________________________________________________________________________
3. Union National Bank – Egypt Oct. ‘07 –Feb.’ 08
Regional Manager; Head of Corporate Banking Group
Responsible of establishing short and long-term strategies of the corporate banking group, design
and implement required plans to achieve bank's targets and grow bank's portfolio of assets in
corporate and SME lending business in Egypt.
Job Dimensions: [Loan Portfolio of EGP 1.3Billion and nine operating branches].
Member of:

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-Executive Committee -Regional Credit Committee
-Remedial Advances Committee -Recruitment Committee
-Assets/liabilities Committee
____________________________________________________
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4. The Bank of Nova Scotia – Egypt Feb. ‘05 – Nov. ‘05
Commercial Banking Manager and Deputy Regional Manager
Egypt Region consists of one full-fledged branch offering Corporate-banking products to a variety of
multinational customers.
Number of Credit relationships; Approximately 50. - Total Exposure: US $ 100M
Duties Included:
 Manage the branch conventional credit portfolio at an acceptable level of risk while adhering to
Bank policies and procedures.
 Manage growth of Branch corporate banking business and contribute actively to Branch
profitability [Profits increased by 65% compared to counter period and Credit portfolio
increased by 50% in 12-month period].
 Direct the effective management of customer relationship and provide quality customer service.
 Review all credit proposals prepared by the account managers.
 Contribute to Branch productivity and service by organizing workflow to maximize
productivity and ensure returns, reports and correspondents completed accurately and promptly.
 Effectively supervise and develop subordinate staff.
 Act as a deputy country manager in his absence.
 Represent the bank in CBE meetings and other business occasions as required.
 Prepare all required performance reports by the CBE and BNS Asia-Pacific Regional Office.
5. National Bank of Abu Dhabi – Egypt Dec. 95 – Jan. ‘05
i. Head of Corporate Banking Group
Egypt Region consists of Regional Office and 16 unite, all had full credit and marketing departments
reported directly to me. The centralization of corporate banking operations planed and
implemented under my direct supervision in all phases.
Total Credit Files (As of Jan. 2005); Approximately 450
Total Exposure (As of Jan. 2005): US $ 600M
Duties included:
-Member of Regional Credit Committee
-Member of Senior Management Committee
-Member of Retail banking Committee
 Establish the Marketing strategy for Egypt Region.
 Assist in increasing Regional lending portfolio through active marketing of both domestic and
international companies in Egypt.
 -Review business opportunities and check credit proposals.
 -Manage administer, direct and supervise Managers and relationship officers on their day-to-day
activities, ensuring achieving targets and documenting relevant work.
 -Assist Branch managers and relationship officers with regard to visits, preparation of applications
and negotiation of deals.
 -Establish close relationships with the key personnel of large companies with a view of soliciting
their business, the retail business of their employees and other business they can introduce.

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 Miscellaneous projects in relation to the improvement and upgrading of systems and procedures in
the Corporate Banking Group.
ii. Regional Manager Corporate Banking Group
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Duties included:
Manage all matters related to corporate banking [12 operating Branches] including Risk Assessment,
Corporate marketing, retail banking, remedial advances, correspondent banking and Information unit.
Responsible for the launch of Retail Banking products; [MasterCard]
Evaluate all Egypt credit Proposals as member of the Regional credit committee.
Issue sanctions for Approved Cases.
Design and implement workout strategies for the criticized accounts.
Report all market changes and new regulations issued by local authorities and recommend means to
adapt to these changes.
Develop and train the Credit & Marketing team within the Region.
Ensure that all reports and statistics are prepared in a timely manner.
Review and coordinate Marketing Plans of the Branches.
iii. Regional Credit Manager – Credit & Marketing Dept.
Duties included
Member of Egypt Regional Credit Committee with a discretionary power of US$4.5mln
Member of Retail Banking Committee
Member of Remedial Advances committee
iv. Asst. Manager - Regional Credit Dept.
Duties included:
Ensure proper assessment and safely calculation of credit risk according to bank’s credit policy,
general credit practices and local requirements.
Prepare any market or economic studies required by the Regional Management or the Head Office.
Undertake Marketing efforts to generate new credit clients to the branches.
Review and Check all credit applications from branches, ensure correct analysis of financials, ratios,
and indication of prospect customers.
Develop and improve on loan quality and control techniques.
v. Senior Credit & Marketing Officer - Regional Credit & Marketing Dept.
_______________________________________________________________________________________
6. National Societe Generale Bank, Feb 93 - Dec 1995
Credit & Marketing Officer
Duties included
 Recommend advances and operations in line with approved limits, as well as client's swift
requirements.
 Maintain constant contact with existing clients, including periodic visits to their business sights.
 Monthly preparation of reports and statistics monitoring the performance of handled credit cases.
 Renew timely all existing credit lines and readily prepare credit memos for special deals.
 Maintain valid documentation of approved credit lines.

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_____________________________________________________________
BUSINESS DEVELOPMENT EXPERIENCE - SME:
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7. US Agency for International Development “USAID”
SME Business Development Center “I-BDC” July ‘06 –Aug. '07
Investment & Finance Specialist
The 18-month project is about capacity building of the financial departments of 50 SMEs in the sector of
Information & Communication Technology “ICT”. In addition to supporting their competitiveness
and business growth through facilitating access to local and international funding in the form of bank
debt or equity investments.
To achieve job objectives I worked with a group of consultants from Nathan International on a selected
number of SMEs as their financial advisor in day-to-day operational matters as well as in
establishing their medium & long term finance strategies and negotiate with the lenders and venture
capitalists on their behalf.
Duties included:
 Prepare SMEs for Investors/bankers due diligence.
 Review and update business plans of the companies.
 -Prepare required business proposals, financial models, projections and feasibility studies.
 -Support and represent SMEs in negotiations with banks and investors
 -Help and support SMEs for inventors’ road shows.
 -Representing the IBDC in SME related conferences and events locally and internationally.