Agenda What does “Islamic banking” stand for?

Overview of Kuwait Finance House

• Ratings (JAN ‘09)

• Key Facts

• Headquartered in Kuwait with 175 branches locally and worldwide
• Market Capitalization of US$ 9.55 Bn (June ‘09)
• Asset Size of US$ 37 Bn (31 March ‘09)
• Deposits of US$ 24 Bn (31 March ‘09)
• Total shareholders’ equity of US$ 4.10 Bn (31 March ’09)

Agency	Short Term Rating	Long Term Rating
Capital Intelligence	A-1	A+
Fitch	F-1	A+
Moody’s	P-1	Aa3
S&P	A-2	A-

Overview of Kuwait Finance House

• Competitive Strengths

• Ability to structure and close transactions rapidly due to bank’s seasoned expertise, network, strategic partnerships, financial strength and sound liquidity position.
• A deeply entrenched brand franchise with subsidiaries in Bahrain, Turkey, Malaysia, Singapore, Australia, Jordan and Saudi Arabia and affiliates in UAE and Oman
• Strong underwriting ability: unrivalled access to Islamic deposits in the domestic & regional market.
• Formation of Liquidity House as an investment house fully dedicated to Sukuk issuances.
• Strong links with regional and international financial institutions
• presence in the domestic and regional real estate market and proven transactional expertise in the international arena.
• Recognized and respectable Advisory Board and structuring expertise; KFH Advisory Board clearances and approvals on structures are in most, if not all, cases taken for granted by other fellow participants in deals and transactions.

• Overview of Kuwait Finance House

• One-Stop Islamic Financial Solution Provider

• Overview of Kuwait Finance House

• Collectively KFH has the expertise and value-added services, capable of delivering the objectives of the client

• STRENGTH & EXPERTISE

• DISTRIBUTION CAPABILITIES

• WEALTH OF EXPERIENCE

• Specialist in ICM
• Strength in the Middle East
• Strong and experienced leadership team
• Expertise in Islamic banking principles compliant products

• Strong distribution team
• Extensive distribution network including GCC, Europe and Asia
• Middle East distribution advantage
• Strong relationships with other Islamic and International banks and investment houses for placements

• 30 years of experience including global sukuk issuance and placements
• Client-centric approach for every deal/issuance
• Ability to innovate and structure Islamic financing solutions for clients

• Our Client

• KFH RESEARCH LIMITED

• KFH Research Ltd is the world's first Islamic investment research arm to be established by an Islamic Bank. A direct subsidiary of Kuwait Finance House, KFH Research was established in 2007, comprising industry professionals and 'star' research analysts with broad experience in Islamic finance & global markets. Below is a sample of their reports:

• KFH GROUP: A SAMPLE

• Next Steps

• SOVERIEGN SUKUK ISSUANCES ARRANGED BY KFH

• Saxony Anhalt
• EUR100 Mn
• Sukuk
• Co-Lead Arranger
• 2004

• Dubai Civil Aviation UAE
• US$ 1 Bn
• Sukuk
• Joint Lead Manager
• 2004

• Government of Qatar
• US$700 Mn
• Sukuk
• Co-Lead Manager
• 2003

• Bahrain Monetary Agency
• US$ 250 Mn
• Sukuk
• Lead manager
• 2003

• KHAZANAH NASIONAL
• US$ 750 Mn
• Sukuk
• Co-Lead Manager
• 2006