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Investor Presentaiton

A supportive Egyptian economic and banking environment A profitable banking market with strong growth potential Open banking competition with A segmentation between state owned mass market banks and other players 20% 18% 17.0% concentration among private 16% Lending market share (Dec.2014) ◉ A rather low market 14% sector banks 12% CA Egypt, the only French of international banks. bank among limited number 10% 7.7% 7.6% 7.4% 8% 4.8% 6% 3.4% 3.3% 2.8% A fairly robust level of 4% margins on higher segment 2% clients. 0% Fairly accommodating banking NBE CIB Misr QNB Al Ahli AAIB Banque du... AlexBank regulatory environment. Improving legal environment with new investment law Page 14 State owned Banks 2.1% 1.9% 1.8% 1.6% 1.4% 1.4% 0.9% 0.8% 0.8% 0.7% 0.6% HSBC Bank Audi CA Egypt Faisal AWB AIB Al Baraka ENBD SCB Barclays EGB United Bank كريدي أجريكول مصر CRÉDIT AGRICOLE EGYPT
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