Dr. Muhammad brings to Keystone Bank Limited, robust intellectual capital, strong management consultancy and extensive commercial banking experience acquired over 17 years of engagement at ICON Limited (Merchant Bankers), Bank of the North Limited, and Unity Bank Plc, with hands-on competences in strategy development, corporate planning, corporate banking, treasury marketing, and product development.
Dr. Muhammad holds a Ph.D in Development Economics (Universite de Granoble II, France, 1989), an MBA (1983) and a B.Sc. degree in Business Administration (1979), both from the Ahmadu Bello University, Zaria, Nigeria.
A keen writer, Dr. Muhammad has presented papers at several seminars and workshops on bank management, markets for petroleum based products, debt and development, and the role of the Nigerian Stock Exchange in the economic development of Nigeria, among others. He has also attended international courses on product development, banking software and corporate renewal in Egypt, Jordan and Switzerland respectively.