AB Group Financial Overview

Group Income Statement December, 31 2014 USD '000 December, 31 2015 USD '000 REVENUE Interest income Less: interest expense Net interest income Net commissions income Net interest and commissions income Foreign exchange differences Gains from financial assets at fair value through profit or loss Dividends on financial assets at fair value through other comprehensive income Group's share of profits of associates Other revenue 1 845 096 770 148 1 074 948 321 593 1 396 541 55 830 7 046 8 566 348 201 61 125 1 877 309 1 815 895 724 757 1 091 138 319 603 1 410 741 70 827 14 315 5 430 356 981 50 066 1 908 360 TOTAL INCOME EXPENSES Employees' expenses 434 754 440 652 Other expenses 285 996 Depreciation and amortization 56 612 Provision for impairment - direct credit facilities at amortized cost 36 161 295 433 54 846 32 891 Provision for impairment - other financial assets at amortized cost 6 422 Other provisions 16 045 16 210 TOTAL EXPENSES 835 990 840 032 Non-recurring expenses Profit before Income Tax Less: Income tax expense Profit for the Year 200 000 349 000 841 319 719 328 264 166 277 205 577 153 442 123 Attributable to: Bank shareholders Non-controlling interests Total 573 687 430 830 3 466 11 293 Earnings per share attributable to Bank shareholders - Basic and Diluted (US Dollars) 577 153 0.90 442 123 0.67 35

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