AB Group Financial Overview

2011 1.15 Loan quality 1.35 1.38 1.50 1.30 1.28 1.28 1.21 1.21 1.12 106% 109% 102% 92% 86% 2012 2013 Provision (USD Billions) NPL - Excluding Int. in Suspense (USD Billions) Gov. Banks & Fl 5% 1% Consumer 21% Corporate 73% • Loans as of December 31, 2015 Jordan 25% 2014 Coverage Ratio GCC 29% North Africa MENA 10% 19% Europe 11% 2015 Far East and Other 6% Highlights • . • . . Arab Bank classifies the loan portfolio in compliance with IFRS requirements, and the Bank's stringent guidelines, whichever is stricter. NPLs include old loans which are fully provided. The Bank is very cautious in writing off loans to safeguard its legal position for collection. The credit portfolio's quality remains strong despite regional conditions. As of December, 2015, NPL coverage ratio stood at 109%, in line with the Bank's prudent provisioning policy. 73% of the Bank's loan book is composed of corporate clients, which is well-diversified across economic sectors and regions. Consumer loans represent 21% of the loan portfolio, and the amount of 90 days overdue represents only 0.9% of the consumer loan portfolio. 17

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