Daffer Luqman is the Global Head of Liabilities and Wealth Management at ADIB. He is responsible for planning and directing all business development strategies, introduction of new products and expansion into new markets . Dhafer has 22 years of high quality international experience primarily with HSBC, DIB and ADIB. He held senior positions with HSBC, such as the Country Manager for Retail in the UAE and Head of Corporate Development at DIB. Prior to that, he spent 14 years in Saudi Arabia working in the bank’s Corporate and Retail Banking divisions. In addition to his experience in the Corporate Banking, Consumer Banking and Strategy Planning he represents ADIB on the boards of a number of its subsidiaries.