Investor Presentaiton

2 Company incentive systems can sow the seeds for failure in the absence of diligent oversight. •Incentives encourage excessive risk taking •Unqualified, weak board members REMUNERATION & INCENTIVE RISK MANAGEMENT/ CONTROLS BOARD PRACTICES SHAREHOLDERS RIGHTS •Ignorance toward risk facing the institution LEHMAN BROTHERS BEAR Failed كالا The 區 PG RBS Misalignment of shareholder and management interests Llover Bailed Out FreMe Bailed northern Nationalised S AIGL Freddie Bank of America Bradford & Dingley Nationalised Merrilynch Baffe out HBO Spic Taken OVG Alliance on over Leicest Source: BBC 4

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