AB Group Financial Overview

Strong and well diversified earnings Revenue by segment line as of Mar 2016 USD'000 Mar Mar Income Statement Other 2015 2016 21% Net interest income 267,453 280,259 Corporate Net commission 80,446 86,068 41% Group's share of profits of associates 92,559 88,068 Consumer 25% Other revenue 34,098 26,812 Net operating revenue 474,556 481,207 Operating expenses 186,066 190,356 Treasury 13% Net operating income 288,490 290,851 Provision for impairment - direct credit facilities 6,755 8,654 Revenue by type Net income before tax 281,735 282,197 as of Mar 2016 Income tax 64,519 63,849 Net income after tax 217,216 218,348 USD million 39.2% 475 Mar-15 186 481 39.6% Mar-16 Associates 18% Non-Interest 24% Interest Income 58% 190 Income Cost Cost to income 20 20

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