Materials of the international ‘Achievements Forum’. Scientific articles

 

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Socrates Almanac

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Socrates Almanac Publisher: Europe Business Assembly 2 Woodin’s Way Oxford OX1 1HF Tel: +44 (0) 1865 251 122 Fax: +44 (0) 1865 251 122 Website: http://www.еbaoxford.co.uк http://almanac.ebaoxford.co.uk First published in Great Britain in 2013 ISSN 2053-4736. (Online) All rights reserved. No part of this publication may be reproduced, stored, or transmitted, in any form or by any means, including electronic, mechanical, photocopying, recording or otherwise without the written permission of the Publisher or a license permitting restricted copying in the United Kingdom. This book may not be lent, resold, hired out or otherwise disposed of, by way of trade, in any form of binding, or cover, other than that in which it was published, without the prior consent of the Publishers. Printed and bound in Great Britain by Europe Business Assembly. The information contained in this publication has been published in good faith and the opinions expressed here are those of the authors and not of Europe Business Assembly. Europe Business Assembly cannot take responsibility for any error or misinterpretation based on this information and neither endorses any products advertised herein. References to materials used in creating this publication are included. Editor: Alica Brighton Layout designer: Alex Shus © Socrates Almanac. 2019 Contents: EBA Business Ambassadors............................................................................................................................4 EBA events 2018..............................................................................................................................................9 Official visit of Maltese President to EBA........................................................................................................26 Speakers’ Presentations (‘Oxford Debates‘)..................................................................................................28 EBA is with the United Nations.......................................................................................................................40 Nobel Prizes 2018..........................................................................................................................................42 Scientific articles.............................................................................................................................................44 Business Cards..............................................................................................................................................58

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Socrates Almanac 2019 - 10/2 Information review EBA events Materials of the international ‘Achievements Forum’ ‘Oxford debates’ Scientific articles Presentations of organizations Oxford 2019, Great Britain

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EBA Business Ambassador Europe Business Assembly in conjunction with ‘EBA Global’ Loyalty Programme is proud to announce the establishment of the EBA Business Ambassador Institution which will bridge business and cultural communications. EBA Business Ambassador Institution combines international diplomacy, efficient partnership, investment and innovation solutions, education and science, culture, and art. It will facilitate the development of international projects in the national arena and territory branding and promotion globally. EBA Business Ambassadors are key business players in the given territory, a hallmark of the business elite, the personality with a flawless solid professional reputation, socially oriented business activities, and a broad international business lineage. EBA Business Ambassador Institution activities are aimed at the development of key business programmes and initiatives in the region, along with EBA education and social project operation and fulfilment. EBA Business Ambassadors and their activities are geared towards enhancing the region’s investment and partnership potential. EBA Business Ambassador Institution is your reliable coordinating partner for business initiatives and joint partnerships in the region -4-

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EBA Business Ambassador to Malaysia Monspace Multinational Corporation Dato’ Sri Dr. Jessy Lai, Founder & Group CEO Dato’ Sri Dr. Jessy Lai, Founder & Group CEO of Monspace Multinational Corporation, is inaugurated as EBA Business Ambassador to Malaysia. The person who puts unbelievable goals and always reaches them… The leader who continues challenging the impossible, strengthening relationships, growing market share, supporting the less fortunate and deepen regional economic integration with their customers and business partners to propel Monspace forward to be a global, multinational brand recognized all over the world. Headquartered in Kuala Lumpur, Malaysia, MONSPACE is a corporation known for its rapid yet stable growth. Since our founding in 2014, the company has expanded internationally, tapping into industries such as E-commerce, health, hospitality&tourism, F&B, real estate, beauty, and more. At the core of the MONSPACE brand is a commitment for smart innovation and a strong sense of social responsibility. Through the development of technology and human resources, we cultivate a resilient business culture in the region, attracting investments and changing lives for the better. Working with carefully selected partners, MONSPACE will continue to explore new industries and markets, staying true to its mission to serve citizens across the globe. www.monspacea.com - E-mail: hanizaharudin@gmail.com - Tel. +60175002069 -5-

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EBA Business Ambassador to bosnia and herzegovina International University Travnik Prof. Dr. Ibrahim Jusufranić, Founder, Rector and Full-time Professor Academician, Prof. Dr. Ibrahim Jusufranić is a founder, rector and full-time professor of the International University Travnik in Travnik, Bosnia and Herzegovina. Graduated in 1963 from the Faculty of Economics in Sarajevo, achieved his MA title at the Faculty of Economics of the University of Belgrade in 1973, where he received his PhD degree in 1983. In his rich professional career, he served as Director of the University Clinical Center of Sarajevo (1980-1989), after which he became Director of the Cantonal Public Utility Company "GRAS" Sarajevo, which he successfully ran for 16 years (1989 - 2005). He was also a full-time professor at the Faculty of Traffic and Communication of the University of Sarajevo. In the year 2005 he moved to the post of director of "Unioninvest construction of buildings" Ltd. Sarajevo, where it remains until 2008. In the meantime, in 2006, Prof. Dr. Jusufranić founded the International University Travnik in Travnik where he is still a rector. He has published 90 scientific papers in the field he is dealing with, as well as a series of professional studies, papers and articles. He has participated in 56 scientific and professional conferences in the country and abroad, including those of the world scale and significance such as UITP 56 World Congress, Rome, Italy, 2005; 7th UITP's Light Rail Conference "A Light Rail-Accessible and Flexible Solution for Towns" Dresden, 2004; 3rd UITP Conference "Travel Information", Gothenburg, 2003; 6th International Light Rail Conference "Developing Successful Light Rail", Nant (France); UITP Light Rail Conference - Light Rail and Liveable Cities 2000 Melbourne, Australia and many others. In his up to now academic and university engagement he has written 23 books as author and co-author of which the most significant are: Traffic Systems - Theory, Transport, Technology, Trends, 2017; Economic Ideas - between the local and global, entrepreneurial and predestinated, individual and mass, monistic and pluralistic, institutional and alternative, 2016; Urban Passenger Transport Systems, 2014; Managerial Economics, 2012; Project Management – managing projects and processes with assessment of the efficiency of investment inlaying, 2010; Business Logistics, 2009; The Basics of Road Traffic - organization, technology, economics, logistics, management, 2007; Innovation in Urban Public Transport, 2001, Passenger City Transport, 1998 and many others. For his longstanding and fruitful work and works he has been awarded with the most prestigious awards and recognitions such as: The biggest award of the State "27 July Award of the Republic of Bosnia and Herzegovina" for 1991 for outstanding achievements in the work of GRAS and also for a creative contribution to the overall prosperity of the country; Platinum of the Croatian Scientific Society for Traffic "for Special Merits for the improvement of the traffic and development of CSCFT", 2002; "Plaque of the City of Sarajevo"; "Acknowledgment for Excellence in development of GRAS" and more plaques for outstanding contributions to the defense of BiH. He is the prizeman of the 6th April Award of the City of Sarajevo. In 2003, Company GRAS Sarajevo was declared as the most successful company of PUC in the world by the Magazine "Aktualidat" from Madrid, headed by Prof. Dr. Ibrahim Jusufranić. There are other significant awards such as "Charter F.E.S.T. 2012 "for extraordinary contribution to the cultural and touristic development of the town of Travnik", Solin - Split, 2012; "Best University" Award for Best Balkan University in Vienna, 2012, then Mention of Honor for the Highest guest (Universidad Nacional del Este - Paraguay), 2015; Prize "Charter of the Hero with the Golden Medal of Nikola Tesla" 2016; the "Science of the Year 2016", USA 2017 and many others. He is professionally and personally dedicated to reaching the highest professional standards in the higher education system. E-mail: rektor@iu-travnik.com - Tel. +387 (0)30 509 675, +387 (0)33 711 011 -6-

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EBA Business Ambassador to Kyrgyzstan OPPS Building Company Mr. Ruslanbek Khamdamov, Director General Mr. Ruslanbek Khamdamov has initiated the whole range of projects and programmes in his region developing the construction area. 1988-1993 Mr. Khamdamov held the position of Director General of 'Sprinter' Company that specialized in construction and fitting-out of complicated steel constructions. 1993-2001 Mr. Khamdamov was the Director General of 'Euro Build Service' Company that produced technological equipment and constructed industrial complexes and buildings. 2001-2011 Mr. Khamdamov engaged the position of Director General of German-Kyrgyz joint venture company 'Tech Stroy Service' that specialized in construction equipment manufacturing. Since 2011 Mr. Ruslanbek Khamdamov is the Director General of 'OPPS BUILD' Company. OPPS Build: a construction company with innovative systems for the construction of a unique patented technology, using lightweight panels for seismic reinforcement. Minimum construction time are achieved by us, through the use of special equipment and technological lines for manufacturing panels of ‘O.P.P.S. ‘, and the using of special mounting hardware. The main operation in traditional construction used at the construction site, such as bricklaying, external and internal plastering , installation of window frames , door installation - are excluded , as all of the above operations are carried out on a special assembly stand. The estimate cost construction of buildings or dwelling houses of ‘OPPS’ panels, on average 40% cheaper, compared to traditional construction methods. Efficiency is achieved by: Applications - production line, with consisting of 60% of the manufacturing operations. - Saving building materials (With the exception of losses and cost of overruns materials on the object). - Raising the minimum human resources (Workers), the reduction of working man hours and salary. Application of the special mounting hardware and technology significantly reduces all construction time. Mr. Ruslanbek Khamdamov is the official representative of the Lake Issyk-Kul Development Zone to EBA. Under the direction of Mr.Ruslanbek Khamdamov a lot of innovations have been realized. E-mail: opps.build@yahoo.com - Tel. +996550225708 -7-

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BUSINESS CARDS EBA Business Ambassador to laos Phongsavanh Group of Companies Prof. Dr. Od Phongsavanh, Founder and CEO ‘EBA GLOBAL’ is proud to introduce Prof. Dr. Od Phongsavanh, Founder and CEO of Phongsavanh Group, as EBA Business Ambassador to Lao PDR. The Phongsavanh Group, a 100% privately owned corporation, a regional leader in integrated businesses, is currently a well-established company with assured stability that has been playing a significant role in Lao PDR’s socio-economic growth and cross-border business expansion in the ASEAN economic community. Phongsavanh Group was established in 1977 by Prof. Dr. Od Phongsavanh, a progressive entrepreneur who started his business with the export of processed forest products and import of consumer goods in Savannakhet Province. The company later expanded into a plethora of businesses as telecommunications, construction, trading, banking and financial services, mineral mining, oil and petroleum products, car cleaning and maintenance, convenience stores, fleet or cash cards, aviation, franchises, logistics, and insurance. At present the group has more than 20 subsidiaries with over 2,000 staff in Lao PDR. Since 1995 the Phongsavanh Group has been a foremost provider of integrated services that meet the needs of Lao people in all aspects of their lives. The Group carefully and cordially serves clients as if they are family members and persistently strive to enhance their quality of life. Since its inception, the Phongsavanh Group has been growing step-wise. • 1977 - Prof. Dr. Od Phongsavanh started Timber business, The Phongsavanh Wood Industry Co.,Ltd • 1995 - Est. Phongsavanh Telecom Co., Ltd • 1997 - Est. Phongsavanh Construction(PAC) Co.,Ltd • 2001 - Expanded Khouanchay Trading Import-Export Co.,Ltd • 2007 - Set up the first privately owned bank, Phongsavanh Bank Est.Vientiane Mineral Mining Co., Ltd • 2008 - Est. Petroleum Trading Lao Public Company Limited (PTL) • 2009 - Started Lao Central Airlines business • 2011 - Est. Sitthi Inter Trading Import-Export Co., Ltd Started franchise business Black Canyon Coffee and Moly Care • 2012 - Est. Lao Daily Mart Import-Export Co., Ltd • 2013 - Est. Well Tech Lao Co.Ltd. and Sitthi Logistics Lao Co.,Ltd • 2015 - Est. Sitthi Logistics (Thailand) Co., Ltd Established APA Insurance Co.,Ltd Currently Phongsavanh Group expands its business cooperation and investment in Kunming, the capital of Yunman province, China, as part of preparations for regional and international integration. -8-

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EBA events 2018 Special Session of the ‘Best Medical Practice’ Project in Israel 11-13 February 2018. Dead Sea Area, Israel From February 11 to February 13, 2018, a visiting expert session of European Medical Association and Europe Business Assembly was held in the conference hall of the Royal Hotel Dead Sea 5* (Ein Bokek, Dead Sea, Israel). The session was held within the framework of ‘Best Medical Practice’ project aimed at supporting leading regional medical specialists from different countries and developing international cooperation in the field of medicine and medical tourism. The session was moderated by the President of European Medical Association, Dr. Vincenzo Costigliola (Belgium). The session was hosted by Avangard Medical Center, a center of treatment and rehabilitation in Israel specializing in orthopedics, cosmetology, urology, dermatology and neurology. The achievements and know-how used in the center were presented by Leonid Grinblat, Director General of Avangard Medical and SPA Center, Irina Lourie, Director of External Relations of the Avangard Medical and SPA Center, Zurab Gegechkori, Head Physician of Avangard Medical and SPA Center, Svetlana Zarhina, Marketing Director of Avangard Medical and SPA Center. During the session, presentations of leading medical centers, physicians and rehabilitation specialists of private practice, representing Israel, India, Russia and Ukraine, were also made, as well as master classes on healthy lifestyle from health experts.The program included speeches of Ukrainian leading specialists of traditional medicine. Despite the considerable success recognized internationally, traditional medicine in this country is under severe state pressure and is on the verge of a ban. Following the speeches, the audience adopted a resolution in support of Ukrainian traditional medicine. All participants of the conference personally visited the Avangard Medical Center and tested cosmetic and medical procedures themselves. Many participants signed agreements on cooperation with Israeli colleagues. The ceremony of honoring leading physicians, awarded for their professional activities with prestigious European differences, was the culmination of the event. Among them were Dr. Alka Sarpal, Founder and Director of DR ALKA’SSKINCARE & HEALTHCARE, Natalia Zemna (Zubitska), President of the Public Organization ‘Green Planet’, Leonid Grinblat, Director General of Avangard Medical and SPA Center, Ganna Zhukova, President of the International Association of Experts on Health Practices.The conference was held in a warm and friendly atmosphere, its participants were able to visit the main sights of Jerusalem – historical places of three world religions, get acquainted with healing possibilities of the Dead Sea, and appreciate the local cuisine and the hospitality of the hosts. -9-

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London Summit of Leaders 17 April, Institute of Directors, London, UK The International ‘Achievements Forum 2018. London Summit of Leaders’ was hosted by the Summit of Leaders on the 17th of April, with the support of the Academic Union, Oxford and the Global Club of Leaders, together with the ‘EBA Global’ Loyalty Programme. Traditionally held in the Institute of Directors in London, the famous business elite meeting point in the UK, the event gathered together the most leading regional business, professional and academic elite representatives from 33 countries. ‘EBA Global’ community members had a unique opportunity to present themselves to the target audience of corporate leaders, investors, academia and like-minded professionals. Participants benefited from meeting top executives, business gurus and investment experts from across the globe at plenary and breakout working sessions and sharing ideas and experiences in a series of panel discussions, presentations and case studies. Grounded in, and attracting high profile delegates from the real world of business, the function is a key driver in the development of practical commercial exchanges. The international professionals shared and learned from each other for business improvement and positive social transformation. The dynamic summit programme included 2 contemporary expert platforms and master classes from key British and world experts – members of the Oxford Speakers Bureau and Academic Union, guest professors, case studies of successful companies and educational institutions, 3 platforms for informal communication with summit participants from more than 33 countries in Elite Club Breakfast format, Networking Business lunch and final cocktail, interactive exhibition and investment platform representing promising regional institutions and companies. The Forum started with the Official Opening and welcome addresses from Prof. John Netting, Director General, Europe Business Assembly as well as the Official Forum Partners and VIP guests: Dhabi Contracting LLC from UAE, EPEXYL S.A. from Greece and PT Bank Central Asia Tbk from Indonesia. The Expert Platform ‘New opportunities and strategies for developing economies’ was moderated by Prof. John W.A. Netting, internationally acclaimed expert with a high level of professional experience, having worked closely with Rolls Royce, IBM and ICL; Joint Managing Partner, International Strategic Management (ISM); CEO of the Europe Business Assembly, Oxford, UK. The Presentation Platform ‘Achievements – 2018’ was moderated by Dr. Rui Verde, Head of the Law and Economics Department, AU Oxford; PhD Law, London BPP University, UK; an efficient legal adviser, chief consultant (political, economic and legal risks concerning investments and activities in South America, Southwest Europe, and Africa); visiting lecturer of International Finance. Key-note presentations highlighted all aspects of quality as the key driver of the social change, a global business trend and an effective tool of reputation management. Lead regional companies provided case studies and presentations of the national and global brands. Within the framework of the summit, authoritative international organizations, the Global Club of Leaders, and the Academic Union held special sessions and accepted new members. Acclaimed experts and professors introduced the advanced learning courses for business processes & quality improvement and expert sessions by Oxford Business Expert Centre. Within this year Forum agenda Memorandum between EBA and Honorary EBA Business Ambassador to Bosnia & Herzegovina, Academician Prof. Dr. Ibrahim Jusufranić, Rector of International University Travnik was signed in the solemn atmosphere of the International Achievements Forum 2018. The Forum activities continued with the Welcome Cocktail with John Netting and Christina Briggs for all honorary participants and laureates. The Solemn reception on behalf of the Summit Organizing Committee and Award Ceremony ‘Achievements – 2018’ brought the climax to the whole event by presenting prestigious international awards to corporate leaders for outstanding achievements in the field of business social responsibility, international relations, economics, politics, science and social activities. - 10 -

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The Official Partners of London Summit of Leaders NIKOLAOS ANASTASIOU President EPEXYL S.A. 5 Spetson Str, Athens, 14565, Greece phone: +30 210 231 49 62 e-mail: info@epexyl.com www.epexyl.com EPEXYL was founded in 1981 by Mr. Vasilio Anastasiou in Athens. The company is managed by his two sons Dimitris and Nikolaos. The two sons ran the company from 2004 and in 2011 the company passed to their hands with equal 50% each. EPEXYL specialized in the manufacture of custom made architectural woodworks, interior furniture, joinery and wall paneling for commercial, public and private projects. Our commitment to high quality end products, after sale service, improvement of manufacturing processes and innovation has made EPEXYL well known in the architectural and construction sector in international market. Our portfolio of projects illustrates our company’s skill of achieving, within the agreed time schedule, the aesthetic and functional requirements set by our clients. We have acted as subcontractors for most of the construction companies in Greece creating results beyond our client’s expectations. The company’s premises include two factories in the area of Athens, one 5500mІ, for international projects and one 750mІ for local market and with specialized and experienced working force that depending on the needs of the project can reach up to 100 employees in the production line and 40 more acting as installers on site. EPEXYL offers the following areas of expertise to its clients: • Shop drawings in Revit, Auto Cad format and Solidworks 3D modeling • Assist and advise in the design and delivery of large scale projects.. • We regularly work closely with Architects and quality Surveyors streamline the approach to projects. • We offer technical assistance in the areas of design, material and increased product life. • A project management team with capabilities to monitor standards, deliveries and qualities • Large and medium sized contracts with on time delivery. List of manufacturing capabilities and services of EPEXYL: • Auditoriums, Theatres and Rehearsal rooms • Wall paneling • Fire doors and Acoustic doors and windows • Acoustic paneling • Upholstered acoustic panels • Conference rooms • Special constructions • Museums • Public and Private Hospitals • Custom made build in furniture and fit outs • Office’s fit outs • Hotel's interior fit outs • Private Residences. QUALITY POLICY: ‘Quality is the foundation of our service.’ Our workshop facilities and state-of-the-art machinery are supplemented by an ISO 9001:2008 management control system. It is the policy of EPEXYL to ensure at all times that the products and services supplied by our company shall be of the highest standard and comply with international standards as well as the specification and requirements of the customer. ENVIRONMENTAL POLICY. ‘Environmental protection and sustainable development are our duty to future generations.’ EPEXYL has strong beliefs in protecting the environment. EPEXYL’s philosophy is to deliver high quality results to our clients in a cost effective and timely manner while at the same time caring for the environment. Demonstrating that commitment our procedures are complying with the Environmental control system ISO 14001:2004. It is the policy of EPEXYL to ensure that at all times the products supplied by our company shall be environmentally friendly and healthy certified products. For this reason at EPEXYL we use low- VOCs emission materials. In general we use ecological adhesives, sealants, paints, coatings, wooden and natural fiber NAUF products. The powder coatings that we use contain low VOCs (volatile organic compounds) way within the LEED limits and no solvents. Selected Clients list: BOUYGUES INTERNATIONAL, BOUYGUES IL DE FRANCE / CONSTRUCTION PRIVE, BOUYGUES UK, VINCI GRAND PROJECTS, VINCI CONSTRUCTION PETIT, SKANSKA UK, SKANSKA USA, SAMSUNG C&T INDIA LTD, MACKLOWE PROPERTIES USA, RELATED DEVELOPMENTS USA, RELIANCE CONSTRUCTIONS, RYAN LLC USA, SALINI IMPREGILO SpA, S&T INTERIORS, ACCOR HOTEL GROUP, AKTOR S.A., TERNA S.A., J&P S.A. Selected Architects list: Renzo Piano, Foster + Partners, Rafael Vinoly, Valode & Pistre, TVS Architects, Leach Rhodes Walker, Kohn Pedersen Fox Associates, Kang Modern, Dominique Perrault, Cut architectures, Studio Akkerhuis. - 11 -

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SAMY EDWARD ADAM KHALIL CEO DHABI CONTRACTING LLC Dhabi Tower 2nd Floor, Suite No. 201&202. PO Box No. 34801, Abu Dhabi, UAE phone: +971 262 74733 e-mail: dcon@eim.ae www.dhabicontracting.com Dhabi Contracting Est was established in 1983 under 'Special Category' in the U.A.E. It is one of the best-developed and modernized contracting companies in the United Arab Emirates. It was established by forming a highly motivated team of engineers and support staff with long track records in the UAE. It has built its reputation by introducing innovative state of art technologies in concept, development, design, planning, scheduling and execution of projects. Dhabi Contracting Est undertakes diversified turnkey construction projects with in-house capabilities for specialized jobs in the field of Civil Engineering works and Electro-Mechanical Engineering. The sphere of its activities include industrial, commercial, institutional, high-rise residential & luxurious villa complexes and sewerage projects. Dhabi Contracting Est and its staff have a vast experience in executing large and medium sized projects on a turnkey basis. Dhabi Contracting Est. carries out general construction concept, design, planning, implementation and execution of diversified projects on a turnkey basis for electrical and mechanical installation, operation and maintenance of commercial and industrial buildings and plants including but not limited to power generation, water and sewage treatment, chilled water systems and extra low voltage systems. Dhabi Contracting Est. owns a large inventory and range of construction machinery and equipment for carrying out all types of Civil Engineering and Electro-Mechanical Engineering operations. Dhabi Contracting Est has built its strength from their philosophy of ‘Single source solution through effective team approach’, and undertaken projects, however large or small, under its renowned guarantee of ‘Quality and in-time completion’. Dhabi Contracting Est prides itself in its reputation as a business built around people offering excellence and an assured quality product which is second to none with a commitment for the highest technical and managerial abilities and prioritized safety incorporating up to date technology in modern and traditional construction. This growth can be attributed to the ability to undertake, successfully execute and complete a variety of projects under the management and supervision of experienced administrators, project managers and engineers and employees, supported by adequate transport facilities, machinery and equipment. Quality Policy. Dhabi Contracting Est. is committed to meeting all the requirements of its clients and regulatory bodies at all times and at minimal cost. All employees are responsible for the quality of work carried out on civil, electromechanical services and performance. They have the authority to ensure that quality requirements are met in full, improve our construction quality, maintain the company’s competitive advantage, satisfy its clients and comply with the requirements as defined in international standard Quality Management System ISO 9001:2008, ISO 14001:2004 and OHSAS 18001:2007. In summary, the quality policy is: Know all our clients requirements and expectations. Meet those requirements and expectations at all times Do everything right first time. Do it better next time. Health, Safety, Environmental Policy. Dhabi Contracting Est. is committed to a policy of safe working conditions and practices, for all persons employed upon the project sites and therefore necessary precautions are taken to prevent adverse effects on its employees, its equipment and the physical environment in which its activities are carried out. This commitment to safety is communicated to all employees and its subcontractors by prominent display on the project sites. It is the responsibility of all employees to understand their role in fulfilling this policy and follow the safety instructions and guidelines for the overall safety and welfare of all. JAHJA SETIAATMADJA President Director PT BANK CENTRAL ASIA TBK Menara BCA, Grand Indonesia Jalan M.H. Thamrin No. 1 Jakarta 10310, Indonesia phone: +62 21 23588000, fax: +62 21 23588300 e-mail: humas@bca.co.id www.bca.co.id BCA is one of the leading private banks in Indonesia focusing on transaction banking business, credit loan facilities, and financial solutions for the corporate, commercial and SME, as well as individual customers. Through the extensive range of well-targeted, high quality products and services the Bank provides, BCA’s financial solutions have proven they encourage the business growth of all the Bank’s customers, whether small, medium-sized, or large-scale businesses. For BCA, earning customers’ trust through offering them the best solutions to meet their financial needs is an honor and a source of pride. BCA is one of the leading commercial banks in Indonesia with a core focus on transaction banking business and providing loan facilities and solutions to the corporate, commercial & SME and consumer segments. At the end of December 2017, BCA had the privilege of serving more than 17 million customer accounts, processing millions of transactions every day through 1,235 branches, 17,658 ATMs and more than 470 thousands of EDC machines as well as transactions made over the 24-hour internet and mobile banking systems. BCA is one the largest lenders in Indonesia with a well-diversified portfolio to corporate, commercial & SME and individual segment. Healthy loan quality is maintained through prudent credit policies and disciplined risk management practices. BCA also continues to build synergy with its subsidiaries in developing a comprehensive range of financial products and services in the fields of vehicle financing, sharia banking, general and life insurance, remittance, securities and venture capital, ultimately strengthening relations between BCA and its customers. VISION: To be the bank of choice and a major pillar of the Indonesian economy. MISSION: To build centers of excellence in payment settlements and financial solutions for businesses and individuals; to understand diverse customer needs and provide the right financial services to optimize customer satisfaction; to enhance BCA’s corporate franchise and stakeholders value. Maintaining trust and providing the best banking solutions for the customers’ financial needs are BCA’s honor and pride. Therefore, BCA is committed to continuously expanding its business to sustain the customers’ banking needs and contribute to the community, being ‘Always by Your Side.’ - 12 -

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Conference ‘Medicine and Medical Tourism. The Republic of Kazakhstan Is In Focus Of Attention’ 13-16 June, The Center for Oriental Medicine ‘Zhas-Ai’ Duman Hotel Complex, 4*, Astana, Kazakhstan From June 13 to June 16, 2018 the International Conference ‘Complementary Medicine and Medical Tourism: In focus Kazakhstan’ was held in the capital of Kazakhstan, Astana. The conference was devoted to the alliance of academic and complementary medicine and medical tourism. The ‘Zhas-Ai’ innovative medical center is the host of the event. It specializes in oriental medicine and reflexology (http://www.jasai.kz). Among conference organizers are the leadership of the European Medical Association, the International Association of Healthcare Practitioners and other professional associations. Leaders of the best regional medical centers and leading experts took part in the conference. They properly presented their countries – Great Britain, Belgium, Czech Republic, Lithuania, Russia, Ukraine, Tajikistan, Bangladesh, Kazakhstan, and gave fascinating presentations and master classes. On the part of the hosts, representatives of the Ministry of Health of the Republic of Kazakhstan, leading Kazakh scientists and physicians took part in the conference. The conference was chaired by Mr. Adil Akhmetov, Secretary of the Committee on Foreign Relations, Defense and Safety of the Republic of Kazakhstan. The guests enjoyed rich business and cultural programs, negotiations, informal communication, and networking. The ceremony of awarding of leading health professionals of their countries, who had the biggest shares of regional market of medical services, was the high tide of the event. They received honorable distinctions from European Medical Association and international Socrates Committee. The ceremony was conducted by the President of European Medical Association Dr. Vincenzo Costigliola, Director General of the ‘Zhas-Ai’ medical center Professor Zhasan Zekeyuly, and the President of International Association of Healthcare Practitioners Professor Ganna Zhukova. The founder and head of author’s training and health center, vice-president of the International Association of Healthcare Practitioners Professor Alexander Ushakov and hospitable host of the event – Professor and Academician Zhasan Zekeyuly were awarded in nomination ‘Ambassador of Mercy’ for personal achievements in the field of intercultural communication, international cooperation, and unification of like-minded people. Professor Alla Kulikova, President of International PSI Academy (Czech Republic), Professor Sergei Shestopalov, President of Astroacademy of St. Petersburg (Russia), Dr. Natalia Mikhailova, Chief Specialist of School of Health and Longevity of Professor Ushakov were awarded in nomination ‘Rose of Paracelsus’, which is awarded together with personal certificates ‘Best Medical Practice’, confirming the international recognition of professional competence. Professor Salavat Tapbergenov, Head of the Department of Biochemistry of Semipalatinsk State Medical University (Kazakhstan), Nataliia Zemna, President of the All-Ukrainian Nature Protection Society ‘Green Planet’ (Ukraine), Dr. Bibigul Nurtazaeva, Deputy Chief Doctor of ‘Zhas-Ai’ medical center, Professor Muazzam Ansorov, rector of Pedagogical University of Panjakent (Tajikistan) received other honorable distinctions. - 13 -

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Global Club of Leaders Special Session 02 July, Círculo Ecuestre, Barcelona`s Elite Private Club, Barcelona, Spain In the middle of the holiday season, the world-famous Catalan capital Barcelona became a colorful destination for the past Global Club of Leaders Special Session. The official session partners included: • Azizi Bank, Afganistan • Motheo TVET College, South Africa Despite of not large-scale format, Special Session as usual gathered like-minded business leaders, professors and doctors from all around the world. In the bohemian atmosphere of event’s venue – Barcelona’s Elite Private Club Círculo Ecuestre, Prof. John W.A. Netting, Summit of Leaders Nomination Committee Chairman, and Global Club of Leaders President – Christina Briggs moderated together the Business Leaders Day. During the ‘Global Club of Leaders’ Special Session ‘EBA Global’ VIP Loyalty Programme members and honourable participants from the Middle East, Africa and Asia were speaking about the importance of selfbranding for contemporary businessman and sharing their achievements on the national entrepreneurial arenas. Academics and Professors took up the educational issues, meanwhile Doctors discussed the topics of actual healthcare interests. No subject was left behind! Within this year Session agenda Memorandum between EBA and Honorary EBA Business Ambassador to Kyrgyz Republic, Mr. Ruslanbek Khamdamov was signed in the solemn atmosphere of the ‘Global Club of Leaders’ Special Session 2018. After the Presentation Panel during which each participant had an opportunity to present their speeches and presentations, new members were accepted to the Academic Union (AU) and Global Club of Leaders community. The following lunch turned out to be a good time spending for conversations and fruitful networking. After quite a ‘brainstorming session’ all laureates were invited to the best Barcelona’s Flamenco show – Spanish performance of the pure style and classical interpretation that was presented in the Palacio del Flamenco. National dinner and really spectacular dances didn’t leave anybody indifferent. - 14 -

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The Official Partners of Global Club of Leaders Special Session Mohammad Salem Omaid President and CEO Azizi Bank, Banking & Financial Services Zanbaq Square, Opp. Embassy of Turkey, Kabul, Afghanistan Zip Code: 1003 phone: +93 797 9999 12 e-mail: cmo@azizibank.af www.azizibank.af Mr. Mohammad Salem Omaid has been associated with the bank since 2006 and has been the part of the bank’s 12 years of illustrious growth. He has a Doctorate in Financial Management from a leading Indian University and is also a Post Graduate & an MBA with specialization in Banking, Risk Management & Finance. Mr. Omaid served the bank in various categories and carries immense experience in the diverse areas of strategic polices, financial regulations, forex management and banking operations. He has been also associated with maintaining International business relations with key corporates, banks & stake holders. As a professional entrepreneur, he is progressively establishing a high quality ‘state-of-the-art’private Afghanistan Bank with a vision of ‘Building the Best Quality Afghanistan Bank with World Class Services’ by 2020. Mr. Omaid have been recognized by the Government of Afghanistan & International Agencies on different occasions worldwide for his persistent efforts in developing the banking structure in the country. Few of his accolades are listed below: • Awarded by the Govt. of Afghanistan for playing an effective role in the development of the Afghan Banking Sector. • Awarded by the Ministry of Defense for the establishment of a proper & transparent salary payment system for the Afghan soldiers in the county. • Promising Young Banker Award by the Asian Banker, Singapore • Queen Victorian Badge by the Europe Business Assembly, United Kingdom • Best Private Banking CEO, Afghanistan by the South Asian Partnership Summit – A SAARC initiative. Mr. Omaid also holds the following portfolios & membership • Chairman - Afghanistan Banking Association (ABA) • Member – Thames Valley Chamber of Commerce, United Kingdom • Member – World Confederation of Business, United States • Member – International Chamber of Commerce • Guest Faculty at the various Universities of Afghanistan. Azizi Bank, Banking & Financial Services Azizi Bank, Afghanistan’s largest commercial Bank with a pan Afghanistan presence across 30 provinces headquartered in Zanbaq Square, Kabul, is the outcome of the professional & entrepreneurial commitment of its founder Mr. Mirwais Azizi and its top management team, to establish a high quality, customer centric, service driven, private Afghan Bank catering to the future businesses of the Islamic Republic of Afghanistan. Azizi Bank has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers. Today, Azizi Bank has a widespread branch network of 85 branches and more than 100 ATMs and a total of more than 140 branches along with its 100% subsidiary bank, the Islamic Bank of Afghanistan, country’s first full-fledged Islamic Bank.Azizi Bank has been recognized amongst the Top and Fastest Growing Banks by prestigious international media houses and Global Advisory Firms, and has received several international honors for across the globe. The bank caters to various business segments which includes Retail & Corporate Banking, Treasury, Payment & Settlement, Remittance services through Western Union and sustainable practices through Responsible banking vide its CSR initiatives. Azizi Bank is steadily evolving as the Professionals’ Bank of Afghanistan with the long term mission of ‘Building the Finest Quality Bank of the World in Afghanistan’ by 2020. Azizi Bank’s management is a young & a highly qualified team aiming at transforming the banking scenario in the country into a truly professional and pleasurable experience to its customers. The Bank has a strong Corporate Governance structure comprising of the Management Board, Board of Supervisors and an Independent Audit, Risk & Compliance Committees which gives strength and confidence to all stakeholders including the public at large. There is a strong regulatory framework and compliance culture in the Bank, leading to a good corporate governance practice and a true professional environment. Azizi Bank has invested comprehensively into technology on its endeavor for superior customer service. It has procured the world’s top banking software - Flex Cube to migrate from its existing software. These initiatives are taken so that the bank becomes customer friendly & tech savvy. It is estimated that although 37% of the population lives below the poverty lines, a large segment is mobile savvy with compatible internet facility, especially amongst the young generation. With the introduction of M - Paisa and Mobile Wallets, it is expected that a large share of the money transaction in the country would be routed through the Bank. Azizi Bank has started agent based banking services aiming towards financial inclusion. It is for the first time that a bank in Afghanistan is reaching out to the unbanked strata of society by sending its agents to their door steps. The agents will carry devices that will support full-fledged banking services including account opening and biometric authentication of customers. The Bank have launched Payment Gateway solution that will make online shopping possible for the customers using their cards or internet banking. Azizi Bank has taken a strong lead in the Corporate Social Responsibility initiatives by providing aids and financial assistance to local educational institutions which included schools, colleges, universities and NGOs. The bank has also engaged itself with relevant ministries in supporting women empowerment, cultural enhancement and the various environmental sustainable initiatives of the country. The bank has sustained a very healthy Capital Adequacy Ratio (CAR) of around 23% by year end 2017, which is an indicative factor of the inherent strength of the organization. It follows a secure and effective policy for growth with maximum returns and cost effectiveness and minimize the risks. It is a highly capitalized bank and offers to the depositors a sound & an effective banking option. The paid up capital of the bank with the Central Bank of Afghanistan is the highest amongst all the banks and which speaks of the bank’s solid foundation and a strong corporate governance policy. Within its endeavors to sustain the brand image and provide world class customer service, Azizi Bank have received several international awards and recognitions from across the globe in 2016 & 2017. This has not only assisted the bank to get global attention but also supported to build upon the brand image of the Azizi Group. The bank currently maintains its correspondent banking relationships with banks in India, China, Turkey, Spain, Italy, UAE, Egypt & Russia in INR, USD, EURO, GBP, RMB, AEB, EGP & RUB. Under its Vision 2020 initiatives, Azizi Bank will explore opening its first overseas representative offices in various neighboring countries, being the first from the Islamic Republic of Afghanistan. Azizi Bank’s business philosophy is based on five core values: Operational Excellence, Customer Focus, Product Leadership, People and Sustainability. - 15 -

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