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 KT

• Shareholder structure

• Kuveyt Turk began operations in 1989 .
• Market share of Kuveyt Turk among participation banking sector is currently 22.5%
• Asset size of Kuveyt Türk is TRL 5.72bn as of 31/12/2008
• Shareholder Equity:TRL689m

Fitch Ratings Foreign Currency Long Term BB Short Term B Outlook Stable Local Currency Long Term BBB- Short Term F3 Outlook Stable

National Long Term AAA(tur) Outlook Stable Individual D Support 3 Sovereign Risk Foreign Long Term BB- Local Long Term BB Outlook Stable

Supportive anchor shareholder

• Funding

• Know-how

• International banking

• Corporate governance

• Supportive shareholder through difficult times
• Access to and superior understanding of the Middle East market (instruments and customers)
• Access to Middle East institutions and liquidity
• Rating agencies look favourably on support
• Better asset-liability mismatch management
• Coordination between KFH group treasuries enables better hedging of FX exposure at lower costs

• Product innovation
• Investment in product development
• Provision of commercial guidance

• Beneficiary of strengthening ties between Turkey and the rest of the world, especially with Middle East
• Foreign trade services
• Turkey as a destination of oil-driven capital

• Professional reporting systems at international standards
• Global expertise at board level
• Best-in-class management techniques

• KFH network

• Total assets : US$38.3bn
• Shareholder equity: US$5.8bn
• Gross Profit: US$1.39bn
• Net Profit to Shareholders US$ 633m
• Branches: 46

• Supportive anchor shareholder (2008)

• Kuwait Finance House (“KFH”)

• KFH Subsidiaries

• 16 subsidiaries

• Kuwait

• 1 subsidiary: Kuveyt Turk
• Total assets: US$3.8bn

• Turkey

• 1 subsidiary:
• Kuwait Finance House (Bahrain) B.S.C.
• Total assets: US$3.4bn

• Bahrain

• 1 subsidiary:
• Kuwait Finance House (Malaysia) Berhad
• Total assets: US$2.7bn

• Malaysia

• Pop.: 74m
• GDP1 (US$): 659bn

• Turkey

• Pop.: 3m
• GDP1 (US$): 111bn

• Kuwait

• Pop.: 27m
• GDP1 (US$): 186bn

• Malaysia

• Pop.: 1m
• GDP1 (US$): 17bn

• Bahrain

• Strategic benefit

• Source: EIU, Central Bank of Kuwait
• (1) Nominal GDP

• Source: KFH Annual report