AB Group Financial Overview

Group Income Statement REVENUE Interest income Less: interest expense Net interest income Net commissions income Net interest and commissions income Foreign exchange differences March, 31 2015 USD '000 March, 31 2016 USD '000 448 024 180 571 267 453 80 446 347 899 15 714 471 914 191 655 280 259 86 068 366 327 14 875 (265) 3 218 88 068 1 065 92 559 13 448 8 984 474 556 481 207 Gains (losses) from financial assets at fair value through profit or loss Dividends on financial assets at fair value through other comprehensive income 3 871 Group's share of profits of associates Other revenue TOTAL INCOME EXPENSES Employees' expenses 108 075 111 290 Other expenses 61 927 Depreciation and amortization 13 211 Provision for impairment - direct credit facilities at amortized cost 6 755 61 100 12 717 8 654 Other provisions 2 853 5 249 TOTAL EXPENSES 192 821 199 010 Profit before Income Tax 281 735 282 197 Less: Income tax expense 64 519 63 849 Profit for the Year 217 216 218 348 Attributable to: Bank shareholders Non-controlling interests Total Earnings per share attributable to Bank Shareholders - Basic and Diluted (US Dollars) 215 452 1 764 217 216 0.34 215 635 2713 218 348 0.34 33

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