Business Overview Overview

Branch Network Operates through a network of 27 branches and 122 ATMs1

Incorporated in 1991 and listed on Abu Dhabi Securities Exchange (ADX)

Ras Al-Khaimah Umm Al-Qaiwain

1

Ajman

Headquartered in Dubai with a presence across all seven Emirates of the UAE

2 1

1

Fujairah

2 Sharjah

Dubai

12 Total assets of AED 16,477Mn and Revenues of AED 820Mn in 2015

Experienced management team with the backing of strong shareholders (including Qatar National Bank and the Ras Al-Khaimah Government)

8 Abu Dhabi CBI’s Branch Network

Key Segments

Shareholding Structure

Wholesale Banking Group QNB 11% Owaidha Family

5% 40%

11%

Corporate Banking

Transaction Banking

Corporate Finance and FIs

Trade Finance

Islamic Banking

Mohammed Omar Bin Haider

Retail Banking Group RAK Govt. & GRE's 11%

Retail Banking Kris Capital, Songket Capital

Business Banking

22% Others As of 31/12/2015

Treasury & Markets

Financial Brokerage 1 As

of Oct ‘16

1

Vision and Values

Teamwork

Confidence

Customer Focus

Communication

Speed

VISION...

To be the preferred bank in the UAE for customers, shareholders and employees “By constantly working harder building partnerships”

5 PILLARS

2

Value Proposition

    

Responds swiftly to market opportunities Quick decision-making Personalized service Greater focus on target market segments Easy access to top management

 Ability to cater to finance requirements of large domestic and multinational entities  International reach & strong brand image  Full service offering  Financial strength

CBI Offers the Agility of a Mid Sized Bank with the Stability of a Large Bank

Large-Cap

Value Proposition

Mid-Cap

Small-Cap

 Local expertise in Corporate Finance, Syndications and Trade Finance

 Responsive and approachable partner

 Fast and flexible service through dedicated staff

 Support of QNB’s global network

 Tailor-made trade solutions

 Enhanced product offerings

 Islamic window

Affluent / Mass Affluent

Banks/FI

 Convenience with superior service

 FI desk closely aligned with QNB

 Focus on the middle income & affluent segment with competitive offering

 Access to QNB’s global network & financial strength

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Going from Strength to Strength Aug, 2008 QNB acquires 23.7% stake in CBI

Aug, 2012 QNB increases its stake to 40%

Mar, 2013 CBI reveals new brand logo (similar to QNB) reflecting the strategic partnership with QNB

2008 2012 2013

Jun, 2013 CBI, named the ‘Fastest Growing Bank in the UAE’ at Banker Middle East Industry Awards

2015 Jan, 2015 Re-launched Business Banking with focus on SME clients

Oct, 2015 Launched Islamic banking window. The Islamic banking sector is one of the fastest growing segments of the UAE banking industry

2016

Dec, 2015 Successfully raised USD 125mn Tier-1 capital in December 2015

Jan, 2016 Celebrates 25 years of operations

Apr, 2016 Long-term Issuer Default Rating (IDR) of “A-” from Fitch Ratings with Stable Outlook

Sep, 2016 Capital Intelligence upgrades Long Term Foreign Currency Rating to “A-” with Stable Outlook 4

Share Details Key Facts Date of Incorporation

Jan 1 1991

Date of Listing

Apr 2 2002

Stock Exchange

Abu Dhabi Securities Exchange (ADX)

Ticker

CBI

ISIN

AEC000101019

Share Price

2.39

2.02 1.85

CBI UH

Outstanding Shares

1,737 Mn

Market Cap

3.46Bn (12 Jul 2016)

Credit Rating

A- (Stable Outlook), Fitch Ratings (Apr 2016) A- (Stable Outlook), Capital Intelligence (Sep. 2016)

SWIFT

CLBIAEAD

Auditor

Deloitte & Touche

2.02

1.99

1.99

1.85

12th Jul 1.5

Bloomberg Code

2.02

1.55

1.55 1.4

Aug-15 Sep-15

Oct-15 Nov-15 Dec-15

Jan-16

Feb-16 Mar-16 Apr-16 May-16 Jun-16

Contact

Investor Relations

CBI Head Office 3rd and 13th Floor, Festival Tower, Dubai Festival City PO Box: 4449, Dubai  www.cbiuae.com  800 - CBI (224), +971 4 402 3737

Issam Dahman Email : [email protected]  : + 971 4 402 3999 Fax: + 971 4 402 3979

Jul-16

5

Key Financials (2011 – Q3 ‘16)

In AED Mn

Fastest growing Bank in the UAE in terms of Loans and Deposits (YTD 2016) Assets

Loans & Advances (net) 10.0%

9.6%

13,342 19,683

11,402

12,739

CAR

18,841

^

14,815

11,507

10,899

16,477

7,865

13,232

Remains Stable

^

14.3%

8,741

ELAR Comfortable Liquidity

2011

2012

2013

2014

2015

Q3 '16

2011

Revenues

2012

2013

2014

2015

Q3 '16

Customer Deposits

NPL Down 110bps vs. Q3 15

7.1%

10.9%

14.4%

14,539 820 706 541

702

12,918

820 637 * 610

11,105

10,499 8,435

8.4%

8,889

NPL Coverage Up 190bps vs. Q3 15

62.3% 2011 2012 2013 2014 2015 Q3 '15 Q3 '16

2011

2012

2013

2014

2015

Q3 '16 [ As of Sep 2016 ]

* 9M 2015 revenues included one time investment gains of 35Mn from HTM bond sales 4 Year CAGR ^ Assets declined in 2015 due to sale of syndicated loans and other non core interest earning investments CAR: Capital Adequacy | ELAR: Eligible Liquid Assets Ratio | NPL: Non-Performing Loans Ratio| NPL Coverage: Provision Coverage (GP+SP) for NPLs

6

Board of Directors

Board of Directors comprises 9 members: Mr. Mohammad Sultan Al Qadi Chairman

Mr. Ali Ahmed Al Kuwari Vice Chairman

Mr. Mohamed Omar Bin Haider Board Member

 Two members (incl. the Chairman) represent the Govt. of Ras Al-Khaimah

 Four members (incl. the ViceChairman) represent QNB Sheikh Abdulla Bin Humaid Al Qasimi Board Member

Mr. Ali Rashid Al-Mohannadi Board Member

Mrs. Fareeda Ali Abu Al Fath Board Member

 Three members represent key private corporate groups/ individuals

Mr. Adel Abdul Aziz Khashabi Board Member

Mr. Obaid Mohamed Ahmed Al Salami Board Member

Mr. Ahmad Majid Lootah Board Member

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Management Team (1)

Mark Robinson Chief Executive Officer With over 30 years experience in banking and finance, Mark has a strong track record of leading and developing banking entities in diverse markets. Prior to joining CBI, Mark worked with ANZ Banking Group where he was the CEO for Europe, Middle East, America and India (EMEAI). Before ANZ, Mark had a long career with Citigroup, including CEO roles in South Asia, Russia/CIS and Turkey. Early in his career at Citigroup, Mark held various roles including Relationship Management, Human Resources and Corporate Finance in Pakistan, the USA and Hong Kong. Mark holds a Master of Business Administration in Finance and Bachelor of Arts in Economics, both from the University of Chicago.

James Nelson-Parker Chief Operating Officer James Nelson-Parker is the Chief Operating Officer (COO) at CBI. James has a long career spanning operations, technology, consulting and product development. Most recently, James was COO of International Bank of Qatar, based in Doha, where he led the operational and technology transformation of the Bank involving over 50 separate projects during his six years with IBQ. Prior to IBQ, James had various roles in London and New York with the National Bank of Kuwait, Sungard eProcess and as an independent consultant.

Marc Adam Chief Financial Officer Marc Adam is Chief Financial Officer (CFO) at CBI. Prior to joining CBI, Marc was CFO of Australia and New Zealand Banking (ANZ) for EMEAI, based in London. In this role, Marc was responsible for financial planning & analysis, regulatory & group reporting, product control, treasury and tax. Prior to ANZ, Marc was CFO of Renaissance Capital, based in Moscow, where he led the transformation of the finance function as well as supported the assessment of business performance as the group restructured business lines, and previously spent 13 years at Credit Suisse in a variety of finance roles.

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Management Team (2)

Robert Michael De Gama Chief Risk Officer Robert De Gama is the Chief Risk Officer (CRO) at CBI. He joined the Bank in November 2010 as Head of Credit Risk Management & Advances and was subsequently given the responsibility of Recoveries and Collections and Legal Affairs, assuming the overall role as CRO. Prior to joining CBI, Robert was the Deputy CEO/Chief Risk Officer with HSBC in Qatar, where he worked for 35 years covering all aspects of the Banks’ operations ranging from Treasury dealer to Head of Retail Banking and Head of Corporate Banking. Robert holds a Bachelor of Science degree from Bangalore University in India.

Hessa Al Ghurair Chief Human Resources Officer Hessa Al Ghurair is the Chief Human Resources Officer at CBI and is responsible for redefining HR transformation and managing our most valuable resource – our people. Prior to joining CBI, Hessa served as the Chief People Officer at Tanfeeth- a wholly owned subsidiary of Emirates NBD – where she was instrumental in creating an innovative HR model that received international recognition by Harvard University and McKinsey Quarterly. Prior to that, Hessa held different HR roles at Mashreq Bank and Barclays Bank, providing her expertise to regional leaders in the Finance and Banking industry. As a result of Hessa's longstanding business leadership, she was recently recognized with the reputable award of "Inspirational Female Leader" at the 2016 International Business Excellence Awards.

Ali Sultan Rakkad Al Amri Head of Wholesale Banking Ali Sultan Rakkad Al Amri is the Head of Wholesale Banking at CBI since January 2012. He started his banking career with CBI in 2000, working in the Corporate Division. In 2003, he joined National Bank of Dubai, as a Senior Manager, Government Sector Corporates. During the last 12 years he has held senior business & managerial level roles including, Senior Manager Large Corporates in Barclays Bank MENA and Head of Business Development in Noor Bank specializing in developing key relationships & Government related entities. He holds a Masters in Business Administration from University of Jordan and has completed his Bachelor’s degree from Ajman University School of Business.

9

Management Team (3)

Anil Kumar Head of Retail Banking Anil Kumar is the Head of Retail Banking at CBI. Anil is a senior financial services executive with over 24 years experience across the retail banking sector. Prior to joining CBI, Anil was EVP of Business Transformation at Abu Dhabi Islamic Bank (ADIB), where he led the expansion strategy of ADIB’s Global Retail Banking function. Anil joined ADIB in 2009 as the Head of Consumer Banking for ADIB Egypt - a 70 Branch, 1500 people strong Retail Banking Business. Prior to joining ADIB, Anil was the CEO of India's 5th largest Asset Management Company, Birla Sunlife Asset Management. Anil started his career with Citi in 1991 and held various roles with Citi in India, UAE and the UK.

Omar Khan Head of Treasury & Markets With a career spanning over 22 years, Omar is a seasoned senior Banking and Treasury professional with extensive experience in global banks in the UAE and Pakistan. Prior to joining CBI, Omar was the Head of Treasury at Samba Financial Group for both the UAE and Qatar where he was a key member of the team that established Samba in these countries. Prior to this, Omar was the Consumer Treasurer at Citi for the Middle East and Turkey, based in Dubai. Omar started his banking career in Pakistan at Union Bank Limited and Societe Generale. Omar holds a Bachelor of Arts from Richmond College in the United Kingdom.

Issam Dahman General Counsel Issam joined CBI in September 2012, and currently serves as General Counsel with responsibility for all legal affairs of the Bank and its group companies. Prior to joining CBI, Issam worked for Emirates NBD where he mainly advised their Corporate, Investment and Private Banking divisions. He also played a vital role in establishing the merger of Emirates Bank and NBD. Issam also served as a general counsel for Zurich Insurance in their Middle East operation. Issam holds a bachelor degree in Law from Beirut University as well as Master in International Business Law from Washington College of Law - Washington DC.

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Awards and Recognitions 2015

2014

2013

HR Development

Best Credit Card

Fastest Growing and Most Improved Bank

2015 2014

2014

2013

 CBI won the HR Development Award in the Banking and Financial Sector from EIBFS

 CBI’s Low Rate Visa Platinum Card won the Banker Middle East Award for the Best Credit Card

 CBI was recognized as the ‘Fastest Growing Bank’ and the ‘Most Improved Bank’ in the MENA region by the Banker Middle East

2012

Best Personal Loan

2012

 CBI won the Banker Middle East Product Award 2012 for the Best Personal Loan

Transparency in Retail Banking

2014  CBI was recognized by the Banker Middle East for Transparency in Retail Banking

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