Group Strategy and Business Model

Credit Ratings MOODY'S Fitch Ratings Arab Bank plc - Jordan Long Term Bank Deposits - Local Currency Ba2/Stable/NP Long Term Bank Deposits - Foreign Currency Ba2/Stable/NP Arab Bank plc - Dubai branch Ba2/Stable/NP Long Term Bank Deposits - Foreign Currency Arab Bank plc Issuer Default Ratings (IDRS) BB/Negative/B Arab Bank plc B+/ Stable/B STANDARD & POOR'S Issuer Credit Rating Arab Bank Group Operating Entities Europe Arab Bank Issuer Credit Rating BB+/ Negative/B International credit rating agencies (Moody's, Fitch, and Standard & Poor's) emphasize the banks' pioneer position, which allows it to be rated above its sovereign. "AB group has been a consistently solid performer, even during difficult domestic or regional operating conditions. The group's performance reflects its broad geographical diversification, its conservative attitude to risk, and a policy of making liquidity paramount." (Fitch) البنك العربي ARAB BANK "The group's top management has proven skills, capacity, and expertise to run the bank, in line with its strategy, which we view as well defined and prudently exercised." (S&P) 20

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