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Dearest Colleagues,January 1st 2019, we are opening a new book. Its pages are blank. We are going to put words on them ourselves.The book is called Opportunity and its first chapter is New Year's Day.One resolution we have to take and try always to keep is to rise above the little things. To accomplish great thingswe must first dream, then visualize, then plan... believe... act! It’s considered that, Vision without action is merelya dream. Action without vision just passes the time. Vision with action can change the world. Here we are facing aNew Year – Anno Domini 2019!!!I appreciate all of your efforts during the year 2018 to keep the motivational level of staffs high, with variousengagement activities.It is time for us to stand and cheer for the doer, the achiever, the one who recognized the challenge and achievedtheir targets. Branches who could not achieve the targets may find reasons for missing the target, but at the endof the year we missed it and now the challenge is to see that in the coming year how well we perform. Tosucceed in business it is necessary to make others see things as you see them. My great concern is not whetheryou have failed to achieve the targets, but whether you are content with the failure. Let’s remember that it’s howyou deal with failure that determines how you achieve success.2018 Kuwait successfully launched a new country office and came out of all the old baggage’s they carried, withnew set of branches and new set of people, now no looking back and being a high potential market hugeexpectations from the management to compensate on all the revenue dips made in the region.

My vision is to see Kuwait as a number one revenue contributor to our group by 2020. One word ofcaution to all of you, no compromise on compliance.In the New Year as a team let us be more committed, more energetic, more proactive, more collaborative &more adaptive.Continue focusing on:Revenue maximization.Cost optimization.Risk mitigation.New partnerships.CustomerPeopleGoing forward 2019 will be a year of challenges and opportunities as well. it will depend on how fast we adaptto the new eco system.The year 2018 has left us with an intimate bond between the so-called digital transformation and the financialsector. From high-street Financial Institutions to booming startups, this is now pushing companies toincreasingly adopt, what I dearly call, “the digital innovators”—Artificial Intelligence, Machine Learning and BigData Analytics to bring about a radical transformation in the way we do our businesses.It is like “putting a ding in the universe”. Digitization not only enables financial institutions to become moresuccessful but create better relationships with their customers. As we approach 2019, Financial institutions arelooking ahead to define business decisions, as well as help empower clients to better evaluate and managerisk, build innovative corporate strategies and grow their businesses. We must focus on 3 important P”s in thecoming years.PowerHarnessing the power of the hottest fintech trends, in 2019, companies are widely adopting the block chainwhich will become the mainstream technology that delivers greater transparency and decreases the durationof financial transactions, block chain has become an indispensable part of any successful financial company.PeopleAs financial businesses face an increasing skills gap, in 2019, we must seek new ways to fill critical roles. Theworkforce must evolve and have to adapt to this new way of work to stay successful.ProcessToday, organizations are looking to grow their average revenue from digital business from the current 20 toabout 45 percent. Unlike conventional strategies, with the help of artificial intelligence and machine learning,financial companies will be able to automate more processes, make their systems more stable and secure andeliminate human error, allowing them to gain a greater ROI.We must not miss on any opportunities that come up in your respective markets.As we end 2018 and look forward to the trends that will re-evaluate our industry in 2019, I want to encourageall of you to familiarize with new and improved technology and trends that will affect our business.

The best way to prepare for any new trends and emerging technologies is to adopt a comprehensive strategythat will allow us to properly take on these new trends and allow us to be successful as the financial sectorcontinues to evolve.Last but not the least; I want to extend my sincere gratitude to my colleagues. You bring so much to the tableand I am so pleased to see you excel at your respective job roles. I wish greatness for you in the New Year.Have a Happy New Year with lots of good cheer!God bless you all.VARGHESE P MATHEW, Regional Head (Upper GCC)UAE Exchange Centre LLC

It’s Time: To Accomplished | To Perform | To Respect |Dear Colleagues,Wishing you and your family a very happy, healthy and prosperous 2019!2018 was a year, when we made progress as per our priorities, delivering results in thoroughly challengingenvironment. We have launched UNIMONI brand in Kuwait, opened our new set of retail branches, new customerswere introduced to our brand. Our Retail, Whole Sale foreign currency & Corporate Business verticals didextraordinary business in 2018.I take this opportunity to thank each one of you for your efforts, perseverance and hard work, which helped us inachieving this current success. I also thank Varghese Sir for his continued support and guidance.2018 has great relevance to us, for this is the time when our initiatives for accelerating our Kuwait businessculminated successfully, inspiring us to further accelerate our growth journey with ambitious 2019 Business Plans.Our transformational journey has found new impetus which will spearhead the growth.We talk about agility, flexibility and various other aspects that are to do with a quick and informed reflex action toany new market development that we are face as an organisation. What I am referring to is the optimisedmanagement of the most critical resource called TIME. World around us is changing dynamically and at a fast pace,unless we scale up in skill, resource and time management, we won’t be able to stay in the lead.Looking ahead:2019 will be a watershed moment in our Kuwait operations. It will either make us move to a different league in termsof business or we will perish. We are facing constant threat of industry disintermediation and paradigm shift inbusiness models and cost structures. For us to accelerate business in 2019, we should be looking at revenuegeneration at all stages of our business.

Key Vertical for achieving this revenue stream are, • Retail Business • HNI Customer’s • Foreign Currency • Corporate BusinessYou will hear more about these revenue streams and how we need to position yourself in the market in thecoming days.Customers & People:For us, customer and people are two very important facets of our business. We want to maintain customercentricity in everything we do. Customer will always remain at the epicentre of everything we take up, for werealise that superior customer service is the only means to emerge successful. Our Goal will be to provide delightto customers by understanding customer needs in advance and deliver quality beyond their expectation.We value our people, as much as our customers. Only dedicated people can bring the best customers’. We willensure that our people are well equipped with latest skill’s, if you are not confident and knowledgeable about ourproducts and services, we will not succeed in our 2019 mission. I advise each one of you to be proactive andequip yourself to deliver the best to our customers & get yourself noticed for prospective carrier growth in ourorganization.Trust:Collaboration will be one of our key for 2019 achievements & one thing that drives collaboration is Trust. Only withmutual trust and respect we can achieve the best. I want you all to inculcate this aspect as a culture in ourorganization. If this is achieved the results will be unifying team spirit. When we believe that everybody can cometogether, we can do things together. We need to build the spirit of cooperation and engage with colleagues astrust is the foundation of success for our business. There is NO SPACE for individual success. Hence, we shouldtogether build the culture of trust as only that leads to collaboration, which in turn leads to opportunities, newideas, and progress, for both people and the organisation.Compliance:If there is one thing that is non-negotiable at all for us, then it must be compliance. Building the culture ofeffective compliance is critical factor in determining the existence, well-being and progress of an institution. Weneed to mitigate our various operational risks. In line to keep the transparency and to place effective governancewe have formed Governance, Risk and Compliance (GRC) framework which is a platform were country and GHQmembers represent and monitor key operations, risk compliance decisions. Please note that compliance is not aresponsibility of a group individuals but everyone in the organization.2019 It is Time to think different and commit ourselves to greater standards of excellence. It’s time to focus onour journey ahead , Sharpen our skill’s , Collaborate & Contribute !So, let us welcome New Year with more awareness of optimum usage of time. Those who respect time, get everymoment to cherish for a lifetime. Let us do productive work and make use of our time.Once again wishing you a very Happy 2019!Signing offVivek NairJanuary 2, 2019

Dear Colleagues,Wish you all very Happy and Prosperous New year!!!2019As New Year is approached with new beginning of new ventures and projects, I want to take this as anopportunity to extend my heartfelt greetings for the season and appreciate you all for youraccomplishments and achievements for 2018.While there is much work to do and there may be further challenges ahead, we end 2018 stronger andbetter able to serve customers. During the year, we saw our hard work result in the achievement ofseveral important milestones to position Unimoni for the future.But first, a quick look back. Year 2018 can be summarized in a few words: In face of significantchallenges, we made significant growth in retail remittance business with 18%. I thank you all for yourcontinued commitment and all that you do to deliver on our purpose. As we started with 3 branches andBND under operations, we close 2018 with opening 6 new branches and end up with 9 branchesincluding one new Wholesale Hub. We are also happy to say that even we have increased our staffstrength from 18 – 60 in Retail Operations.In 2019 we have planned to open 5 more new branches and projecting a count of 632K in the field ofremittance in retail sector and revenue of 558K.Much of the credit for Unimoni Kuwait success is due to you, our dedicated employees. I would like tothank each one of you for your hard work, passion, dedication during challenging times. I look forward toyour continued support as together even in 2019.Jiji Jose Philip.Head- Operations.

OPERATIONS TEAMRashmi Prem KumarTalent win Games ,but Team work win Championships !!!With you all the way…CONTACT US ON-Jiji Jose Philip : 67010141Rashmi Prem Kumar : 60082172

An eventful year has passed and a new one has come.Welcoming the New Year, I wish that all departments and staffs be blessed with good health andhappiness. Let me ‘Thank you’ to all of you for your contributions which made it possible for us toachieve a commendable result in 2018. This was done in spite of the highly challenging businessenvironment of last year. This year, we intend to fast track our steps towards accomplishing vision ofyear 2019 by achieving a strong market share growth as well as doubling our bottom line numbers.The expected achievements of this year will be the collective responsibility of all of us working as a team.To ensure this, our performance management system will capture and reward team members who makeoutstanding contributions and deliver on their targets. We shall measure the output and contributions ofindividuals to teams. Everyone is expected to play their individual roles effectively for achieving futuregoals.As an individual staff, you must ensure you positively impact the business by either increasingproductivity or reducing cost or with both. We, as finance department ensure you all assistance andsupport for the coming year.Happy New Year and God bless you all!Willies BobanFINANCE MANAGER

Accounts TeamMr. Rajesh Roy Mr. Mathew JosephBelieve you can and you are half way there, to reach the goalWe are a call away….Willies Boban: 60746776

As 2018 is slowly fading away, the image of another fruitful year is printed firmly in our mind like agolden plaque in a neatly painted wall. Looking back, no reason to be disappointed, but success saga ofa highly motivated team is in the air for Unimoni Kuwait. Right from the mid-2016, whatever ideaconceived and strategies chalked out, a team in incubation, started worked out in 2018. We had our newname “Unimoni”, stretched our wings in length and breadth of Kuwait and more over we added a newteam of highly talented work force in our fold. Year 2018 is a memorable year for Risk and Compliancetoo. We have revamped our process and procedures. Revised AML policy, Risk policy, new corporatebooklet are a few to be mentioned.Showcasing the mettle of our system before Central Bank was an ambitious project since long which wasmaterialized so successfully last year and we passed the litmus test of CBK audit too. I place on recordimmense support from my colleagues Vivek and Samah, who never checked time and day while on duty.We hereby express our sincere gratitude to our beloved General Manager for the invaluable patronageextended to us in all these years. I hereby salute the excellent rapport from all our colleagues.While we welcome the New Year with a host of new control measures and highly tech savvy products likeUnik-Doms and comprehensive Actimize Module, we are sure we can handle all emerging challenging inRisk and Compliance. Our approach continues to be collaborative and constructive in New Year too.Wishing you all a very happy and successful new year. May god bless you all.VINAYAN MANGALASSERIHEAD-RISK DEPARTMENT

AML EXECUTIVESVivek R Pillai Semah Ghalib Al MashoorDon’t be afraid of Change. You may lose something good but you maygain something better...Contact Us on:VINAYAN MANGALASSERI: 66302671

Dear Colleagues,Happy new year to you all. I hope you celebrated the start of 2019 in good spirits with family and friends.It’s good to look ahead and think about what this year may bring us. But first, a quick look back.2018 was quite a year for Corporate Business. We’ve been through many strategic Plan and challenges.We have added enough resources on the sales end, with aggressive sales strategies, and excellent salespeople on line with strong Back office line up, we have achieved the whopping revenue for the year2018.Yes, its 2019 now, huge expectations from Management. Very challenging year ahead, Targets areAmbitious. It’s important for us to use our time wisely and move forward as decisively and swiftly. Thatwill only be possible with your continued dedication and teamwork. We need to continue to worktogether in order to create successful Revenue Generating Product. I encourage all of you to focus thisproduct which will show the potential impact on your bottom line.I would like to thank you all for your significant support and dedication during 2018. The year ahead willbring its own challenges but I’m sure by working together, keeping focused on our priorities and puttingour customers first we can realize our ambitions. These will certainly continue to be my priorities and Iam convinced I can count on you to do the same.Wish you and your family members a very happy 2019.Fredrick NirmalHEAD - CORPORATE

CORPORATE TEAM From Left: Mr Harikrishnan Sreeraman, Ms Blossom Dennis Anthony, Mrs SuhanaHamid,Mrs.Samantha Soppa, Mrs.Reenu Patidar, Mr D Fredrick Nirmal, Mr.Lawrence Roshan, Mr.Jaafar Bhabrana,Mr.Raj Bhandari, Mr.Sudeep Vijay.You Don’t Build a business, You Build People and the People Buildthe Business!!!Contact us on: 66302673

Hi Friends,At the outset let me wish each one of you and family members a Happy New Year filled with prosperity.May the days to come bring you abundance of joy, love, peace, health and good fortune!Once again, my appreciations to all of you for the perseverance displayed during the times of struggle forour brand in Kuwait. Since, we rebranded to Unimoni our focus is to build an organization culture thatfoster collaboration, team spirit and high performance while upholding compliance with the group policy,code of conduct and statutory regulations. Coming together to set up a department is challenging at thesame time inspiring. As mentioned earlier, In HR, we don’t believe working with the principles of one size

fits all. We have already started working closely with Department Heads to understand the team,objectives and requirements which will help us to support you to positively contribute to the organization.On an HR perspective, we have added Ms. Jeena Mathew to the team who played a pivotal role insupporting all HR initiatives from the grass root level. I am sure Jeena will be an effective touch point forour employees in terms of all HR requirements.Glad to inform that the recent audit conducted brought into light many areas for improvements which wewere able to plug within the shortest time. We have already brought in the Job Descriptions, Policies &Procedures, HR formats, Medical Insurance and Salary Structuring as a part of our first phase in 2018.Learning & Development, Employee Engagement, Goal Settings and PMS will be given priority for thesecond phase which will commence from 2019. Needless to mention that recruitments will be in full swingto ensure our business units are well manned to welcome customers. On a global note, we have alreadylaunched Kolab in Kuwait. I urge all of us to effectively utilize such digital platforms by diverting all ourcommunications through Kolab. Let’s us aim to be the country who is most engaged in Kolab. We willalso be soon launching our new PMS platform and HRMS powered by SAP which will give you betteremployee experience at our workplace and will make HR support seamless. All together we assure it’sgoing to be an amazing journey for us ahead!As always people are our real assets, whose dedication brings the best performance to the table. Yoursupport for us to kick start HR Operations were impeccable in 2018. We look forward to work with you aswe always require people support and commitment within. I am sure we are working together as a teamwill be able to bring in more success to the organization which will help us to move from good to great.Let’s collaborate and make Unimoni Kuwait a great place to work! Cheers and best wishes for a highperformance new year!Regards,Nithin HaridasanHead – HR & Admin

HR EXECUTIVE PUBLIC RELATIONSHIP OFFICERJeena Sally Mathew Mohamed Zaghloul AbdelrahmanPUBLIC RELATIONSHIP OFFICER Salih SulaimanWE RACE TOGETHER AND WIN TOGETHER!!!!For any queries:Jeena Sally Mathew - 66373540

Dear Folks,Happy New Year!The New Year inevitably brings a lot of prosperity for all of us because of the wonderful work we all haveperformed in 2018! Let’s embrace 2019 with open arms and start it with a firm commitment andenthusiasm!I want to take this opportunity to send a sincere \"thank you\" for the continuous collaboration beenextended to the Customer Care Team.2018 has been filled with incredible growth and evolution, and we have never been so excited about thefuture. We will continue to push forward with new ideas, improvements, and a dedication to providingthe best customer experience possible. As we look to 2019, the customer experience management willfocus on bringing all of us closer to our customers. As digitization being the key for the future, we arecommitted to build platforms, processes, policies, engagements & the entire support function morerobust & user friendly that will enable us stay on top of the things to make our customers life easier, ourbusiness run smoother and our customers more loyal.Let us together work forward to more success stories to write and new accomplishments to make. I wishyou all a happy and prosperous new year and hope that the New Year becomes a year of betterperformances with all our determination and hard work. Warm wishes to your loved ones on New Year.May you all be blessed!!!We are just a call / message away for any support!Arunkumar RanganathanHead- Customer Care

CUSTOMER CARE EXECUTIVE Afreen Akbar DhanseTeam Customer Care “Dedicated to your Care”Connect with us : 222 811 22 : 609 609 99Any escalations : 66302679

IT is a key part of every business, from small businesses run by a single person to huge multi-nationalCompanies. Computer technology is used across the business world in every department and has becomevital to business operations in the modern world.As part of Leap 2020 and new strategy road map retail 2.0, our company is re-inventing the way we aredoing the business across the globe. We will be using advanced technology and Digital platform for ourProduct and Service Supports. Implementing Virtual Branches, Self Service Kiosks, Digital DocumentManagement Systems (For storing and retrieving soft copy of documents), E-Receipts, Retail Tablet App,Digital Customer Experience systems like Feedback, E-Signature. Online Money Transfer, CRM. As part ofDigitalization, ID integration and Biometric validation in progress. And also, our company conductingregular E-Learning, and Physical Training sessions to empower our staffs to adapt new changes to servecustomer better experience. We’ll achieve great success with Teamwork. Wishing all the very best and Happy New Year to all!Mohammad Naeem IbrahimIT MANAGERFor assistance : 62223207

“Opportunities doesn’t happen …..we create them ….”Yes…. Retail Sales being the Face of the organization & custodian of the Brand, we strongly trust Team’sAttitude not the Aptitude, which determines organizations Altitude. We set the Goals for the organizationand make it happen by converting the invisible into visible keeping the team positive, cheerful & goaloriented.We work on different parameters, with clear cut objectives to accomplish the Mission set by theorganization considering the below accepts, which gives an insight to Retail Sales Department Roles &Responsibilities.Business Categories Retail Service for Branches which include Remittance/ Organizational Goals FC / Allied Products. Brand Essence Integrating the core values such as Being Ethical, commitment towards the customers/employees/ regulatory/society, Empowering learning & others to learn try & experiment new strategies. Setting Internal Promotions for branches with the organizational goals for empowering & motivating front line branch staffs along with the external market strategies. Giving Importance for SPEED (to get things faster & deliver efficiently) PERSONAL (ensuring committed service- orientation with highest quality of customer service understanding that customers are people not transactions) & CONVENIENCE (ensuring that we are easy to deal with, simplify complexity, providing new solutions, tool, easy touch points etc. that enable financial convince to customers) to be different in the market & to be on the higher side of the market players, to uphold the customer

Internal Data Analysis for exaptation about our Brand. Performance EvaluationUnderstand and Identify the Calculating the Market share with the month wise performance. Calculating the Ticket size to analysis the Customer customers we cater in each market. Product usage for each corridor in the market, for various ticket size for identifying Segmenting / Targeting what will be the appropriate product. Average & Lifetime value per customer. Macro data analysis for strong Consumer Behavior corridors/bank. Competitive Intensity As we are new to the market segment, Priority objective by Business Life Cycle the sales team will be understanding the customers behaviors of each branch surrounding, as factors such as Age, Gender, Martial Status, Occupation, Income, Lifestyle, Nationality, Location, Culture, Place of residence, Profession, Media Consumption, Touch Points will help us to produce the desired result with less ideal action & time. Information will be given to the branch team, through the different survey's, where the front-line staff can easily win back the customer with the information’s. For each branch customer segmenting varies, based on the product. Remittance business segmentation will be done based on Social, demographic, nationality bases whereas FC & Allied Products will be based on the propensity to spend by different age groups. Prior to the branch opening branch head along with the sales team will do the segmentation based on PESTLE factors. Based on the Segmentation, goal pan will be set for Targeting the customers with the adequate service/products which will result us more Revenue & market share. Promotions (Internal/External/Branch specific/corridor specific/product specific) will be based on the customer behavior considering usage, preference & attitude. Activities planned for product/brand communication will be given more importance based on each branch surrounding customer behavior. Ratio of Cost to income for each branch will be evaluated based on the amount spend for Activities/Media points with the new additions along with the retention rates. To be more productive & result oriented, competitive intensity will be evaluated to set the goal plan by understanding the constrains which we have, barriers to be cracked for our growth, bargaining power of the market through the competitor activities, relationship of the competitors in the market, no. of competitors, factors which differentiate each competitor in the market. Initial stage will be given more focus for Brand Introduction & phase, which will be followed by Growth Phase by differentiate us with the competition through the

SWOT Analysis different parameters as mentioned above. Product development, Tie-ups, Strategic alliances, Digitization with Competitive Advantage – be given more focus on the Growth phase. Competitive Position SWOT analysis will be done by the sales team along with the respective branch manager, to have more insight about theMarketing Objectives, Strategy market considering both Internal (operational/sales and Mix efficiency, capabilities, resources, structure, man power, finance) & External factors (regulations, market trend, Product Development customer adaptation, competitor changes & challenges) which will decide & prioritize the implementation of goal Budget Management plans/objectives & strategies. Co-ordination Sales Team will be providing the branches, with the Competitors details such as their advantage, position (ranking) which will be tracked to evaluate our progress month over month as per the effort laid down for the business growth. Macro Targets are being set for each branch on the basis of SMART approach with specific Objectives. As mentioned in the above parameters, strategies will be defined through Understanding the customer base, SWOT analysis, competition in branch surrounding, Man power, setting marketing mix, design & execution, Review & Revise as and all required time to time. Marketing P's such as Product, price, place promotion, people & process will be incorporated accordingly with due diligence for the marketing Mix for each branch. Allied products, Strategical alliances, B2B tie-up's will be taken up, considering the Regulatory terms & conditions. Even branch specific tie-up which can increase the footfalls, along with the mutual business will be Initiated, considering all the above parameters. Along with the same Marketing objectives, strategies, mix will be formulated for each Product, which ensure Revenue gain & core selling’s. Month wise & year wise achievements will be defined along with the product formulation request. The allocated budget will be utilized effectively & reviewed to ensure each fils spend is been converted to business. Bifurcation of the allocated budget will be submitted on QTR basis, mentioning each heads & will be utilized after the approval from the management. Internal data analysis will be used to evaluate the spend. As being one of the major stake holder in our nature of business, primary coordination will be with the Operation Team to fulfill the organizational goals in coordination with Customer Care, AML, Projects etc. Activity/Requirement schedule list will be collected from all department, with all required data’s, which required the support of Sales Team to

Digitalization accomplish the organizational Goal. To take forward all the Company Initiatives forRespond to a Changed Market Digitalization as and when required. Improving the Digital Landscape platform to be with changing industry in product delivery. More focus on digital marketing elements to attract & secure Decision Making for Retail Customers. implementing digital elements into the work Network Management place to change the Work Environment. one of the high prior parameter for us, as we are back as a new brand, been existing in the market for long years. Initial focus will be to acquire a brand equity for being new. Set global standards which customer need to acknowledge which will differentiate us from the existing brand. Possible Objectives are being set with justified action plan to over stand in the market from the existing brand. 100% new feeling will be created in all objective which will help us for brand equity. Initially with new addition which will be followed by new product introduction ensuring retention. New locations to be identified considering Geographic distribution of customers, mobility of customers, consumer behavior, penetration of “alternative “delivery products and competitive nature of each market.On the road to success, the rule is always to look ahead. May you reach your destination and may yourjourney be wonderful Happy New Year.Renjith S PillaiHead Retail Sales.

Retail Sales TeamFrom left: Lijo Kuriakose, Sivanandan P Madhavan, Vimal Vijayan Pillai, Gurdeep Singh, Renjith S Pillai,Babu Sreedharan, Suresh Kumar Pillai, Sreejith Mohandas, Muhammad Syed IbrahimThe strength of the team is each individual member…..The strength of each member is the team….Contact us on:Renjith S Pillai:Sreejith Mohandas: 60084716