Francis A. Rozario – Keynote Speaker

Expert in International Banking and Finance

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Specialist Subjects

  • Banking
  • Finance


  • English


Francis Rozario is an accomplished banker with a specialised and diverse thirty five year career in Banking and Finance across the world.

Rozario spent his first 28 years at Citibank where he lived and ran businesses in the Middle East, Africa, Latin America, USA, Europe and Asia. At the early age of 28 he was appointed CEO for Citibank Liberia and two years later was asked to start a de-novo Joint Venture Commercial Bank in Nigeria which gained a reputation as the best bank in Nigeria by 1997. He was CEO for Colombia and Ecuador, Division Head for the Global Relationship Bank for Latin America and later moved to Taiwan as the CEO for the Corporate and Investment Bank for Taiwan where he transformed the business for rapid growth and profitability. In his last assignment with Citibank, Rozario was asked to develop a new model for SME/Commercial Banking across the Emerging Markets and obtain Credit Policy approval for the new Risk model. After obtaining internal approvals, he successfully rolled out 15 countries from Latin America to Asia in 3 years and in year 5, delivered a 20% return on equity. Rozario was a Senior Credit Officer and a Member of the Citigroup International Planning Group.

In 2003, Rozario was appointed by Temasek Holdings, the Singapore government’s sovereign wealth fund, to head its newly formed financial services subsidiary, Fullerton Financial Holdings (FFH). In addition to very profitable minority investments in China Construction Bank, Bank of China and ICICI, he acquired major stakes and played an active roll in overseeing the management of Bank Danamon (Indonesia), Alliance Bank (Malaysia), Mekong Development Bank (Vietnam) and NIB Bank(Pakistan). Moreover, he started de-novo fully owned NBFC subsidiaries in India, UAE and China. His proprietary SME and Self Employed business models led to leadership positions in Indonesia, India , China and UAE. A notable achievement was as President Director (CEO) Bank Danamon Indonesia from 2003-2005 of following its acquisition and transforming it into a SME and Mass Market leader, creating substantial shareholder value. Finally, FFH’s Mass market models were the reason Bank of China chose to partner Fullerton to roll out Community Banks in Rural and Semi-Urban locations in China. This JV, known as BOC Fullerton Community Bank, is expanding rapidly across China. During the 8 years with FFH, Mr. Rozario created superior returns for shareholders and value to the local communities. He also has a proven track record for attracting and developing Talent.

In all of Fullerton’s business ventures, Rozario incorporated an active Corporate Social Responsibility framework which was embedded in the business and which had a meaningful impact in the communities in which they operated, winning recognition for leadership and service to the community from local Governments and the Public at large.

Rozario founded Asia Capital and Advisors in 2011, to provide Financial Institutions with People, Knowledge and Capital, to serve Customer segments with creative and sustainable business models to achieve unique value for all stakeholders; Customers, Employees, Shareholders and local Communities.

Rozario was appointed as an Independent Director and Vice Chairman of Maritime Commercial Joint Stock Bank Vietnam on 27 February 2012.

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