Bachelor in Commerce, Alexandria University, Egypt, 1979. Diploma in Banking, The Chartered Institute Bankers, London, England, 1989. Diploma in Finance Studies, The Chartered Institute Bankers, London, England, 1992.
Master of Business Administration in Banking, Exeter University, England, 1992. Doctor, Trinity College, London, England, 2001.
Manager corporation finance Cairo Barclays International Bank, Alexandria, Egypt, 1980—1994. Manager proactive selling Mashreq Bank, Dubai, United Arab Emirates, 1994—1998. Manager planning & development Commercial Bank International, 1998—1999.
Head marketing & product development Union National Bank, Abu Dhabi, United Arab Emirates, since 1999.
Member of The Chartered Institute Bankers (associate).
Married Sarita Lozano Gardner, November 11, 2000. Married Mervat Mohamed Mahmoud, September 4, 1987 (divorced ). 1 child Karim.