Experienced and strategically minded seasoned banker with more than 20 years in Financial Services and Banking, Mr Ashraf Esmael, 48 has been at the head of some of the fastest growing financial institutions in Mauritius such as Mauritius Leasing, Bramer Bank and more recently the National Commercial Bank. NCB provides Retail, Private, and Business Banking solutions to the domestic and international markets. Under his leadership, he expanded the retail network of the Bank, launched a new HQ and Processing Centre and introduced new customer propositions in Private and Business and International Banking as well as in the Credit Card Business. He also introduced a Microfinance offering which was unique in the banking sector in Mauritius. He successfully introduced new pioneering instruments in Automotive, Equipment & Real Estate Leasing including Islamic Finance whilst at the head of Mauritius Leasing from 2007 to 2012, the largest & publicly quoted Asset Finance Company in Mauritius since 2007. He holds an MBA from the University of Surrey together with qualifications in Management Accountancy and Information Technology. He has gained significant cross industry experience in Banking, Financial Services, FMCG & Technology during his career.