AB Group Financial Overview

Credit ratings Agency Entity Rating Date Fitch Moody's Arab Bank PLC BBB- /Negative/F3 March 2016 Arab Bank PLC - Jordan Ba2/Stable/NP March 2016 Arab Bank PLC BB-/Negative/B April 2016 Standard & Poor's Arab Bank Group operating entities (Europe Arab Bank, Arab Bank Australia Ltd) BB+/Stable/B April 2016 Arab Bank PLC ratings changed from A- to BBB- as it was affected by the sovereign downgrades of the Kingdom of Jordan. Arab Bank is one of the few entities globally that enjoy credit ratings that exceed the sovereign rating of its domicile. "Arab Bank Group's business position rating is strong as it is supported by a solid business franchise, superior geographic diversification, a well-known brand, strong management and conservative financial policies" (S&P). "The Group's 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. We assess the Group's risk appetite as lower than peers, favoring capitalization and liquidity versus profitability" (S&P). 23

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