Agenda What does “Islamic banking” stand for?

Financial overview – balance sheet (IFRS1)

• RoAA and RoAE

• Capital adequacy ratios (TRYm) - CAR

• Total assets (TLm)

• Total liabilities (TLm)

• Audited IFRS accounts for 2004-2006-2007 and draft accounts for 2008

• CAGR: 34.3%

Leading platform and innovator

• Retail

• First mover advantage in the retail sector1
• Innovative product development
• First participation bank to segment its client base
• High customer service levels
• Focus on building long-term client relationships
• Strong brand name and sticky retail base

• 40% participation bank consumer loan market share
• Retail loans2 account for 25% of portfolio compared to participation banks average of 17%
• Offers one of the widest range of products amongst participation banks

• Corporate

• Increased focus on small to mid sized corporates
• Development of portfolio management system
• Increased focus on letters of guarantee

• Higher margin business and reduced risk profile
• Increased quantity and quality of clients and improved profit per client
• Enhanced quality control delivering better returns
• Larger proportion of non-cash loans

• International & Investment Banking

• First and most advanced investment banking propositions
• Most dynamic participation bank funding structure
• Development of international network (branches & correspondent banks)

• Funding origination through Bahrain branch
• Executed the first and largest ever international Murabaha syndication among participation banks in Turkey (US$200m)
• International network to increase access to Gulf investors and funding opportunities for clients
• Facilitates increasing share of overseas trade flows

• Key Achievements

• Results

• Amongst participation banks
• Excluding retail SMEs