Mr. Kashif Naeem

Acting - Chief Executive Officer


Mr. Naeem is the Acting Chief Executive Officer of Bank of Khartoum Group (BOK).  Mr. Naeem have illustrious banking experience of  24+ years and spearheaded Businesses in 3 different geographies (Pakistan, UAE and Sudan) and holds the distinction of working with leading banks like Citibank (Pakistan & UAE), Societe Generale Bank, Union Bank, Dubai Islamic Bank UAE and Bank of Khartoum.


Awarded as “Islamic Retail Banker of the Year 2016” by Cambridge Analytica IF UK and won the award for “Leadership Role in Islamic Retail Banking 2017” by Global Islamic Finance Awards (GIFA), Mr. Naeem was hired by Dubai Islamic Bank UAE in July 2006 and assigned to Bank of Khartoum as part of the transformation team to bring true Retail banking to Sudan. Under his leadership, BOK has enhanced and developed full range of products and services for Retail Banking, SME and Microfinance and embarked on the journey of Digitization. BOK pioneered the launch of Mobile Money service in Sudan which increased financial inclusion and banking penetration significantly in the market and  BOK is leading the Digital space in Sudan. Prior to taking Banking as a profession, Mr. Naeem worked for 5 years in Pakistan for 1st ever mobile phone company for 5 years, managing  Sales from 1990 till 1995.


Performance-driven professional with extensive experience in Consumer Banking (Islamic & Non-Islamic), Management, Digital / Mobile Financial Services, Retail/Branch Banking, SME, Microfinance, Portfolio Management, Deposit Mobilisation, Revenue Generation, Change Management, Business Development, Customer Service, Training & Development, Performance Management and People Management. An enterprising leader with skills in leading personnel towards accomplishment of common goals who thrive on developing transformational strategies & building a high performance and customer centric culture.



Mr. Kashif Naeem

Deputy CEO – Business and International

Mr. Naeem was hired by Dubai Islamic Bank UAE in 2006 and assigned to Bank of Khartoum as part of the transformation team to bring true retail banking to Sudan. He is responsible for BOK’s market leadership as the first bank in the Sudan to establish a full suite of innovative products and services in Retail, Private Banking, SME and Microfinance.

Kashif is a seasoned and result oriented professional with strong leadership and managerial skills. Since joining, BOK has grown 175% and his portfolio manages a book size of over SDG 3.9 billion plus in deposits, SDG 1 billion plus in Asset Financing and SDG 250 million in Microfinance. Mr. Naeem has over overall professional experience of 22 years and worked in countries like Pakistan, UAE and Sudan. He spent last 17 years in banking industry and worked with international and regional banks that include Citibank UAE & Pakistan, Dubai Islamic Bank UAE, Societe Generale Bank, Union Bank Pakistan (now Standard Chartered Bank Pakistan). Prior to banking he worked for five years with the first mobile company in Pakistan- PAKCOM / Instaphone.

He holds a BBA degree from Pakistan and apart from being a Board Member of subsidiaries owned by Bank of Khartoum, he is also member of Bank’s Management Committee, ALCO, Credit Risk Committee, Executive Committee, Audit, Risk & Compliance Committee and member of HRC. Kashif’s overall experience in banking covers Retail Banking, SME, Microfinance, Islamic Banking, Private Banking, Wealth Management, Operations, Products & Services, e-banking solutions, Sales, Service & Quality etc.


Mr. Faisal Abdullateif Nassir

Chief Internal Audit

Mr. Abdullateif Nassir is the Head of Internal Audit responsible for ensuring BOK has a systematic and disciplined approach to evaluate and improve the effectiveness of its risk management, internal control and corporate governance processes are in line with international best practices. He joined the bank in 2006 and has been responsible for turning the department into a proactive value added service of the bank to improve its operations and processes through establishing and maintaining the strategic IA function, enhancement of control environments and the promotion of risk management. Prior to joining BOK, Mr. Abdullateif Nasser held positions in risk management, finance and audit in the Kingdom of Saudi Arabia and Sudan with Al Rajhi Banking and Investment Corporation, Ink Production Company, Al-Rashed Certified Public Accountants, Al Suban Certified Public Accountants and Gabir, Alabe & Co. Certified Public Accounts . He has a BSC of Commerce in Accounting from Cairo University, Khartoum Branch, Sudan, CISA from ISACA, CPA, American Institute for Certified Public Accountants, SOCPA, Saudi Organization for Certified Public Accountants. He is professional certifications and memberships also include CPA License from Certified Public Accountants, Montana State Board of Accountancy, USA, Member of SCAA (Sudan Council of Chartered Accountants), and Risk Based Audit Course, Institute for International Research. Mr. Abullateif Nassir is also an instructor for CPA, CMA, CIA and CGAP as well as short courses in Accounting, Auditing, Internal Controls and Risk Management in Sudan.


Ms. Nadia Youhanna

Head of Human Resources

Ms. Youhanna is the Head of the Human Resources Department at the Bank of Khartoum with over 33 years of international HR experience helping companies achieve their targets and manage their human capital in a systemized and reliable way.

She joined BOK in 2006 as part of the transformation team, and has been responsible for managing over 1600 people, across 83 branches and five subsidiary companies. Under her leadership, BOK has introduced a full range of HR services which include compensation, recruitment, manpower planning, staff development, salary surveys, job classifications, automation of the HR department functions, development of policies, systems, structures welfare plans, medical coverage and Union liaison. Ms Youhanna also developed a fast track program within the bank for new graduates, which includes intensive training and preparing them to be ready for promotions. She also established the Takaful funds to assist employees of BOK and their families. Prior to joining BOK, Ms Youhanna worked for international organizations which include UNDP, CARE International, Elie Group Holdings Co. Ltd, United Nations Children’s Fund, and Citibank.

She has a Master degree in process on Human Resources Management & Development from Rushmore University, South Dakota, a Bachelor’s Degree in Human Resources Management and Development from Ashwood University Florida, USA and a Diploma in Banking and Finance from Institute for Banking Studies, Khartoum, Sudan.


Mr. Ammar Abbass Elsayed Osman

Head of Compliance

Mr. Ammar Abbass Elsayed comes from a regulatory background as he served at the Central Bank Of Sudan (CBOS) in different regulatory and supervisory positions including the Governor’s Office for 13 years. He joined BOK in 2013 as Head of Legal & Compliance department responsible for overseeing and managing the compliance program within the bank through evaluating and controlling the Compliance risk management of the bank.

Mr. Ammar also is taking the role of Chief Governance Officer to enhance and improve the corporate Governance function within the bank and serves as a Reporter to the Board Corporate Governance Committee, he is also responsible for developing and monitoring the implementation of the FATCA policy within the bank and being a responsible officer (RO) to American IRS regarding the bank compliance with FATCA.

Mr. Ammar is Co-founder & member for the Sudanese Compliance & risk officers committee within the Sudanese banking union. Played a significant role in Project management of BOK’s expansion in GCC area and succeeded in acquiring a license for the bank to establish an Islamic branch in Bahrain.

Mr. Ammar has Master of business administration – Morgan State University, Maryland- USA 2010, Certified Compliance Officer – Denver University of America 2014, M.A in accounting and finance – Islamic Finance, and (complementary research under award) – Sudan University for Science and Technology.


Mr. Mohamed Alamin Hashim Yassin Mohamed

Chief Risk Officer