Adrian Flowers is the Chief Executive Officer of SABB Takaful (a joint venture Takaful company with Saudi British Bank and HSBC) based in Riyadh, Kingdom of Saudi Arabia. He previously served in numerous senior positions in HSBC and Household International and prior to moving to SABB Takaful was the General Manager for HFC Bank (HSBC subsidiary) in UK and Ireland. Mr. Flowers has more than 25 years of experience in Retail Banking and Bancassurance in UK, USA and Canada. He has a proven track record in leading multi-location businesses and re-engineering sales and distribution to meet the ever changing needs of customers. Mr. Flowers is a graduate of the Household International General Management Training Program in Chicago, USA.