March 2012

Copyright Notice
This report and its content is copyright of CxO Advisories 2012. All rights reserved.

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Scope

ADCB

NBAD

ENBD
The largest financial services contributor to foreign direct investment (FDI) in Saudi Arabia in 2010 by the Saudi Arabian General Investment Authority (SAGIA)
Emirates NBD Capital named: Best investment bank in the UAE by Global Finance

UNB
Best Domestic Retail Bank at the The Banker Middle East Industry Award 2011

FGB
First Gulf Bank Wins Bank Of The Year 2010, UAE For The Second Consecutive Year At International Awards Ceremony

RAK

CBD

DIB
Credit Excellence Award at international industry conference

ADIB

MB

The Best Retail Best International Bank in UAE award Mobile Money for the fourth year Transfer - Mobile in a row by The Money Transfer Asian Banker Global Conference

Best Credit Card - CBD received the The Banker Middle Sheikh Khalifa East Product Excellence Award Awards 2011 Gold Category (Finance Sector).

Best overall Bank in Abdul Aziz Al the UAE in Ghurair wins The customer service Outstanding for 2011 - Ethos Contribution to the Consultancy Industry Award

The World Finance Award for Best Corporate Governance in the UAE for the second year in a row

Best Financial Information Website in the Middle East - KWD Webranking

Best Savings Account Award for UNBs Everyday Interest Saving account at the 2011 Banker Middle East Product Awards
Golden Award for excellence and Quality in the Arab World from the Arab Administrative Development Organization, member of the Arab League and Tatweej Academy

Commercial Bank Islamic Finance Best Branch Award Mashreq receives of Dubai won the News Mudarabah in the UAE for 2011 Mastercard Award Banker Middle East Deal of the Year - Ethos Consultancy in recognition of Industry Awards Award eCommerce 2011 for Best Excellence Wealth Management'.

The Best SME CEO of the Year 2011 Human Resources Account award by in Middle East - Global Development in Banker Middle East Investor - Euromoney Banking and Financial for the Banks sector award for BusinessEdge suite 2010 at the Sharjah of products offered by Career Fair 2011 the SME Banking Division

Voted as a Superbrand for the year 2012 by Superbrands, Middle East.

HR Development Award at Sharjah National Career Exhibition

Best Islamic Bank in the UAE for 2011 Global Finance Magazine

Mashreq receives Employer of the Year Award in the private sector from Dubai Women's College

Best Credit Card Best Asset Award for LuLu Manager in the credit card and UAE 2011 Best Co-branded Global Investor Card Award for Euromoney Etihad Guest Above credit card, presented at the Smart Card Awards Middle East 2011 ceremony, part of the Cards Middle East Conference and Exhibition

Best Private Banking Services Overall in UAE award in 2011 by Euromoney

2011 Brand Leadership Award at the Global Awards for Brand Excellence Event

Awarded CSR Label in September 2011 by Dubai Chamber of Commerce and Industry in recognition of its performance as a responsible corporate citizen in accordance with international best practices.

Best Islamic Bank Mashreq wins for 2011 'Best Call Centre Business Bankng Award' and Finance Magazine

ADCB

NBAD

ENBD

UNB

ADIB

MB

Best Commercial Bank Peoples Choice Stevie Award Awarded Best Corporate award at the Banker Middle for Favorite Companies Account and Best Business East Industry Awards (Banking) - International Banking Promotion at Business Awards (Stevie Banker Middle East Product Awards) Awards 2011

Prestigious Peoples Choice Fastest Growing Bank in the Mashreq wins best call Stevie Award for Favorite UAE - Banker Middle East centre strategically aligned Companies in the Financial Industry Awards 2011 award 2011 Services Category and a Stevie distinguished Honoree in two categories namely, Company of the year and Executive of the Year under Financial services category. Dream Company to Work For Best Corporate Bank for 2011 Mashreq Awarded Best Bank by 2011 Asian Leadership - Business Bankng and in the UAE by Euromoney Awards Finance Magazine

Ranked number seven, in The Worlds Safest Banks 2011 in the Middle East by Global Finance

Best Bank in the UAE Banker Middle East

Best bank in the UAE for the year 2011 by Global Finance

The Financial Institution of Best Risk Management in the Year at the Allied MENA Region - Banker Compliance Consultants third Middle East Annual International GRC and Financial Crimes conference and Exhibition

Best Trade Finance Provider In 2011 UNB became the first Best Islamic Bank in Middle AbdulAziz Al Ghurair receives commercial bank in the world to East region for 2011 - Banker Arab Banker of the year for in the UAE by Global be certified by M/s Lloyds Finance Middle East Industry Awards the private sector award Register Quality Assurance Ltd. 2011
to the Integrated Management System (IMS) comprising of three standards, ISO 9001 - Quality Management Systems (QMS), ISO 14001 - Environmental Management Systems (EMS) and OHSAS 18001 - Occupational Health & Safety Management

Systems (OHSAS).

The Most Improved Islamic Best Bank in the UAE Bank in the UAE by the Euromoney Global Islamic Finance Awards (GIFA) committee, presented at the Oman Islamic Economic Forum

Emirates NBD awarded The Leading PR/Marketing Company by Arab Achievement Award 2011

Best Islamic Bank in the UAE Abdul Aziz Al Ghurair - EMEA Finance Magazine honored with MEED Leadership in Banking Award

NBAD

ENBD

ADIB

MB
Mashreq wins 'Best Emerging Market Banks Middle East 2010' for UAE Category Award

Best Mobile Payment Application - NBAD Arrow e-Banking Excellence award by the Middle East Best Islamic Bank in the UAE - Islamic Finance - Smart Card Awards Excellence Awards Institute News Magazine

Best Pre-paid Card - NBAD Ratibi Card - Smart Card Awards

Best Foreign Exchange Provider in the UAE by Syndicated loan of the year - Islamic Finance Global Finance News Magazine

Mashreq Wins 3 Awards from MENA Fund Manager Magazine

Best Investment Product - NBAD One Share Dow Emirates NBD Asset Management named Best Jones UAE 25 ETF - Banker Middle East Fund Management Company at Arab Achievement Awards 2011
Marketing Department of the Year at 2011 International Business Awards

Mashreq wins 4 awards at Dubai Quality Group

Mashreq wins Best Consumer Internet Bank award

Emirates NBD named Asias Best Brand at 2011 CMO Asia Awards for Excellence in Branding and Marketing

GCC Labor council awards Mashreq as leading organization in Emiratisation

Emirates NBD Asset Management awarded Equity Manager of the Year by Global Investor

Mashreq Al Islami wins at Islamic Business & Finance Awards

Emirates NBD wins Stevies Distinguished Honoree for its international brand building strategy with Truth and Reality Campaign Emirates NBD named regions Outstanding Private Bank at Private Banker International Summit

Mashreq wins prestigious Lipper Fund Awards

Global Award for Brand Leadership in Banking and Financial Services

Best Private Sector Customer Service Initiative 2011 Customer Service Week STAR Awards

Best Large Bank: Service Quality 2011 Bank Benchmarking Index

Ratings
Bank

Moody's
Long Term Short Term Outlook

Fitch
Long Term Short Term Outlook

Capital Intelligence
Long Term Short Term Outlook

S&P

RAM

Long Term Short Term Outlook Long Term Short Term Outlook

ENBD NBAD ADCB FGB DIB UNB ADIB MB CBD RAK

A3

P-2

Negative

A+

F-1

Stable

A+

A-1

Negative

AAA

NR

Negative

A3

P-1

Stable

AA-

F1+

Stable

A+

A-1

Stable

AAA

P1

Stable

A1

P-1

Negative

A+

F-1

Stable

A-1

Stable

AAA

P1

Stable

A2

Stable

A+

Stable

A+

Stable

Negative

F-1

Stable

A1

P-1

Stable

A+

F-1

Stable

A+

A1

Stable

A2

P-1

Stable

A+

F-1

Stable

Baa1

P-2

F-1

A-

A1

BBB+

A-2

F-1

Stable

A2

Stable

Baa1

P-2

Stable

BBB+

F-2

Stable

A-

A2

Stable

Retail Products Debit & Prepaid Cards

ADCB Easy Pay Debit Card Privilege Club Debit Card Excellency Premium Debit Card NBAD Debit Master Card Premium Debit MasterCard ENBD Classic Visa Debit Card Plus Visa Debit Card Select Visa Platinum Debit Card Youth Visa Debit Card Lady Visa Debit Card UNB Visa Debit Card FGB Free Debit Card RAK Standard Debit Card Premium Debit Card RAKBANK Loaded and Bling Prepaid Cards CBD e-Tijari Web Card Debit Card

Prepaid Card Cash Passport

Mustaqbali Card Attijari Card

Etihad Guest Above Aspire Card Etihad Guest Above Privilege Club Card Etihad Guest Above Excellency Card

e-Dirham

Rateb card

DIB Al Islami Electron Card

ADIB Etihad VISA Electron Debit Card Darhoom Card

MB VISA Debit Chip card

CITI Citibank Debit Card

BARC Barclays Debit Card

STANC Debit-cum-ATM card

HSBC

HSBC Debit Card

Mashreq Platinum Emirates-Citibank Debit card Debit Card Citibank MasterCard Debit NBD Debit Card Card

Retail Products Credit Cards

ADCB
ADCB Excellency Visa Infinite Credit Card ADCB Platinum Credit Card ADCB Gold and Classic Credit Card ADCB Islamic Credit Card

NBAD
Classic Card Gold Card Platinum Card nbad@surfer card

ENBD
Go4it Platinum Card Go4it Gold Card
Skywards Infinite Card

UNB
Platinum Card Gold Card

FGB
Abu Dhabi Platinum Card

RAK
Titanium Credit Card MasterCard RAKBANK nmc MasterCard

CBD
World Mastercard Gold Mastercard Visa Gold Card Visa Classic Card

Platinum Card

Infinite Credit Card

Classic Card Abu Dhabi Titanium Card EXTRA (UNB ADCOOP Gold Card Card)

Visa Credit Card

RAKBANK Gant La Carte Credit Card

ADCB Lulu Credit Card NBAD GEMS Credit Card Skywards Platinum Card Cash Back Card Etihad Guest Above dnata Platinum Credit Credit Card Card International Travel Card Flash Card Platinum Credit Card UNB-EgyptAir Card

Standard Card Internet Card Easy Buys card

Titanium Credit Card

Business Credit Card dnata Card Silver and Gold Cards DIC Credit Card WebShopper Credit Card

Hadiya Gift Card

3D Secure UNB Internet Card

DIB
Al Islami Charge Cards Wala'a Dirhams Infinite Card

ADIB
ADIB Etihad Guest Visa Cards Covered Cards Visa Football Card Fairmont & Raffles Promotion

MB

CITI

BARC

STANC

HSBC

Nissan Juke

Emirates-Citibank Ultima Mashreq Solitaire Card Card Barclaycard Edge Platinum Credit Card HSBC Premier Credit Card Emirates-Citibank Ultimate British Airways Barclaycard Mashreq Platinum Card Card (Currently not available) Saadiq Platinum Credit Card HSBC Advance Credit Card Emirates-Citibank Titanium / Barclays Premier League Titanium Credit Card Platinum Card Etisalat Mashreq Credit Card Gold Card Card Emirates-Citibank Silver Mashreq Gold Card Barclaycard Platinum SME Business Credit Card Gold Card Card Singapore Airlines Business Mashreq Classic Card PremierMiles Elite Credit Card Grand Entertainment Card Mashreq Millionaire Card

PremierMiles Platinum

Saadiq Gold Credit Card Gold Visa Credit card Gold MasterCard Credit card Classic Visa Credit Cards Classic MasterCard Credit Cards Manhattan Credit Card

PremierMiles Titanium
Citi Life Infinite Citi Life Platinum Citi Life Titanium Citi Life Gold Citi Life Silver

Air Arabia Credit Card

Retail Products Loans

ADCB
Personal Loan for UAE Nationals Personal Loan for Expatriates

NBAD
NBAD Personal Loans NBAD Auto Loans NBAD Mortgage Loans NBAD Overdrafts

ENBD
UAE National Loans Loans for Expatriates
New to Country/Employment

UNB
Al Tawoos Expatriate Loan Car Loan Home Mortgage Loan

FGB
Personal Loans for UAE Nationals

RAK
Mortgage Loan Personal Loan RAKauto Loans RAKfarm Loans
Overdraft & Salary Advance

CBD
Mortgage Loans Personal Loans Tam-Wheel (Car loan) Tasaheel (Overdraft)

Personal Loans for Expats

ADCB Education Loan Rental Loans Smart Loan Mortgage Services Car Loans

Easy Loans First Auto loans Loans against Shares Home Mortgage
Office or Shop Mortgage National Housing Loans Emarati Al Awwal

Co-Applicant Program Automatic Top-Up program

UAE National Loan with Additional Income End-of-Service Benefit Backed Loans Without End-of-Service Benefit Assignment Feature Packed Auto Loan

FD Auto Loan
Staggered Installment Plan

Auto Protect
Balloon Buy Back Program
Home Loans for UAE Nationals

Home Loans for Expatriates Overdraft

DIB
Car Finance Rent-a-Car Finance Heavy Machinery Corporate Fleet Johara Car Finance Ijarah Forward Ijarah Commercial Finance Refinance Salam Finance Services Goods

ADIB
Car Finance Home Finance
Hajj and Umrah Finance

MB
Personal Loans for Expatriates Personal Loans for Emaratis

CITI
Salary Transfer Loans

BARC
Salary Transfer Loan Rent Finance Loan Education Loan Mortgages Unsecured Overdraft

STANC
Personal Loans Auto Loans Saadiq Personal Finance HomeSuite

HSBC
Home Loans Personal Loans Vehicle Loans Granted Land Unsecured Overdrafts Secured Overdrafts

Personal Installment Loans Personal Instalment Loan

Car Loans Home Loans

Revolving Overdraft Secured Overdraft

Education Finance Shares Finance Tamweel Finance Boat Finance Travel Finance
Al Khair Liabilities Settlement

Retail Products Accounts

ADCB
ADCB Current Account ADCB Savings and Call Account

NBAD
NBAD One Account Savings Account Current Account Smart Deposit Account Fixed Deposit Account Offshore Deposit Call & Notice Account

ENBD
Standard Current Account Special Current Account Standard Savings Account Tiered Savings Account Currency Passport Savings Account

UNB
Saving Account Current Account Fixed Deposit Account Call Account
Al Maha Ladies Saving Account

FGB
Savings Account Current Account Fixed Deposits Call Deposits

RAK
RAKBANK Savings Account RAKBANK Current Account

CBD
Current Account Savings Account Fixed Deposit Flexi Deposit Unit Time Deposit

Etihad Guest Account @ctive Saver Account

Millionaire Destiny Savings Account ADCB BusinessChoice Current Account

Evantage Account
F@st S@ver Online Account

RAKsave Account RAKvantage Account Fixed Deposits Call Deposits

Smart S@ver Account Value Account Fixed Deposits Call Deposits Recurring Deposits
RegulaReturns Fixed Deposits

Al Ahbab Al Fursan
Dream Account
EveryDay Interest Savings Account

Fast Track Fixed Deposit Account ChildSaver Account

Smart Account

FlexiDeposits
Gold Saving Certificates HDFC Bank NRI Services ICICI Bank NRI Services
Non-Resident Lebanese Package

DIB
Al Islami Current Account Al Islami Current Account Plus Al Islami 2-in-1 Account Al Islami Savings Account Al Islami E-Savings Account

ADIB
Ghina Savings Account Banoon Childrens Savings Account Current Account

MB
Current Account Current Gold Account Basic Savings

CITI
Advantage Account Call Account Savings Account

BARC
Barclays Current Account Barclays Xceed Account Barclays Savings Account

STANC
SaveMore Savings

HSBC
HSBC Premier Current Account HSBC Advance Current Account

Savings Account
Electron Account

Easy Saver
Fixed Deposits

Current Basic Current Account Extra Cover Salary Current Account Barclays NRI Account Account Savings Account Barclays Term Deposit USD Online Savings Checking Plus account Account Account Term Deposit

Al Islami Investment Deposit Account

Recurring Investment Account (Time Deposit) Unfixed Deposits ADIBs UAE-Egypt Account Mashreq Investments

Twin Account for Indian Customers Time Deposits

Fixed Deposits Call Deposits

eSaver

Retail Products Insurance

ADCB
Life Insurance
Family Protector Plus Accident Insurance

NBAD
Optional Life Cover Premium Protection Cover Terminal Illness

ENBD
Motor Insurance Home Insurance Travel Insurance Standard Life Insurance
International Term Assurance

UNB
Motor Insurance Smart Account

FGB
Motor Insurance Travel Insurance Health Insurance Fire Insurance Marine Insurance Burglary Insurance Whole Life Insurance Pure Term Insurance Critical Illness
Income Protection Hospital Cash Benefit

RAK
Motor Insurance Travel Insurance Family Shield plus RAKcare RAKhome RAKlife Life Insurance RAKprotect Accident Insurance Hospital Cash Benefit Global Term Assurance Simply Protect Islamic Products
Idikhar (Savings Plan) Iqra (Childs Future Plan) Maash (Retirement Plan) Hemaya (Family Takaful Plan)
Hyat (The Universal Takaful Plan)

CBD

SECURE LIFE Life Insurance Comprehensive Car Insurance NRI Health Insurance
Unit Linked Savings Plans Guaranteed Savings Plans Education, Retirement and General Savings

Global Protection LifeLine Prestige for Life Futura Smart Invest Super Saver Income Builder Plans Global Savings Account
Takaful & Savings Programme Tawfeeq Investment Programme

Lumpsum Savings Solutions

Mortgage (MRTA) Education Plans Regular Savings Plan / SIP

TraditionalPlans Money Back Plans Capital Protected Single Premium Capital Builder
Annuities & Capital Guaranteed

Vista Smart Assure

DIB
Savings Programme Riayati Auto Insurance Nama'

ADIB
Motor Takaful Covered Card Takaful
Cash Cover Takaful

MB
Capital Plus Whole Life
Managed Capital Account

CITI
Income Builder Plan - Education Income Builder Plan - Retirement Income Builder Plan - Savings

BARC
Motor Insurance Life Shield Life Insurance

STANC
Life Builder Plan Child Education Plan Life Builder Plan Retirement Plan Life Builder Plan Savings Plan Motor Insurance

HSBC
Personal Accident Insurance
Protection for life's uncertainties for FREE

Travel Insurance Home Insurance Motor Insurance Whole Life Term Life Simple Life Simply Protect

Al Khair - Tadawul Takaful Home Content Insurance

My Life Future Gold Life Long Invest Plus My Child Family Protection Plan Secure Wallet Critical Illness Plan Income Protection Plan Hospital Care Credit Shield Plus Credit Plus

Golf Insurance Yacht Insurance Rishtey Travel Insurance

Personal Accident Insurance

Mashreq Auto Insurance

Retail Products Wealth Management

ADCB
Wealth Design
Unit Linked Savings Plans and Systematic Investment Plans

NBAD
Managed Fund Choices

ENBD
Investments Lump Sum Investments Systematic Investment Plan Advisory Services Segregated Portfolio Deposits

UNB
Al Samaha Islamic Fund Al-Itihad Fund

FGB Equity Funds Bond Funds Hedge Funds

Real Estate / Private Equity Funds

RAK Al Momiaz RAKinvest RAKselect

CBD Al Dana Al Dana Royal Al Dana Platinum

Lump Sum Savings Plan

Al Dhabi Brokerage and ADCB Wealth Management Trading Desk Local and Regional Equity Funds The ADCB MSCI UAE Index Fund ADCB Arabian Markets Index sectors

Capital Guaranteed Notes Coupon Paying Notes Equity Participation Notes Commodity Notes Fixed Deposits Dual Currency Deposits
Term Insurance & Savings Plan

The Al Nokhitha Fund

Fixed Deposits Recurring Deposits Flexi Deposits Call Deposits

Jersey Offshore Deposits Regular Reurns Deposits Gold Savings Certificates Bancassurance Savings Protection Investments General Insurance Shari'ah Compliant Brokerage Treasury

DIB
Current and Savings Accounts

ADIB
ADIB Securities Asset Management
Wealth Management Quarterly Reports

MB
Mutual Funds Fixed Income

CITI
Premium Accounts Fixed Income Securities Mutual Funds

BARC
Lending Day to day banking Foreign exchange Liquidity management Investment Management

STANC
Mutual / Hedge Funds Wrap Products Structured Products

HSBC
Investment Portfolios: World Selection Freedom Fund

Wealth Management Advisory Capital Guaranteed Products

Investment Deposits Wakala Deposits

Wajaha Home Finance Wajaha Auto Finance

Wajaha Infinite Debit Card Al Islami Infinite Credit Card Wajaha Takaful Savings Program Wajaha Secured Share Finance

Systematic Investment Plan Structured Notes

Treasury Solutions

Brokerage
Traditional investment products

Savings Plan Education Plan Retirement Plan

Multi-manager Structured products Alternative investments Brokerage Saving for retirement Pension consolidation
Retirement income planning Family & business protection

Trusts Estate preservation Investment tax Foreign Exchange

Retail Products Other

ADCB
Wealth Design Local and Regional Equity Funds Structured Products & Market Linked accounts Systematic Investment Plans
Axis Bank Priority Services (NRE and NRO)* Axis Bank Savings Accounts (NRE and NRO)

NBAD
NBAD Elite Al Nada - Ladies Banking

ENBD
Personal Banking Packages Personal Banking Classic Personal Banking Plus

UNB
Al Awwal Savings Certificates

FGB
Safe Deposit Locker Islamic Banking Property Ijara Finance Makkah Credit Card Siraj Current Account Siraj Wakala Investment Account

RAK
NOSTRO Accounts

CBD
Ladies Banking Packages Shahrazade Safe Deposit Lockers Mustaqbali (Child savings plan) Zawaj (Marriage savings plan)

Al Awwal Multiplier Al Awwal Gold

Savings Account

Credit Card Personal Banking Select Personal Installment Ladies Banking Loans Packages Motari Safe Deposit Boxes Student Banking Current Account Saving Account Credit Card
Personal Installment Loan The Homemaker The Emirati Woman The Executive Woman Youth Package

Dedicated Service Desks

Home Loans in India Remittances to India Kotak Securities Freedom Account Trinity Account
Asset Management Portfolio Management Al Nokhitha fund MSCI Index fund Arabian Index fund
Luxembourg Domiciled Feeder Funds Shari'ah compliant Services

Motari Loan NBAD Savings Plan Islamic Banking ADNIF

DIB
Safe deposit boxes

ADIB

MB

CITI

BARC
Sharia Compliant Idikhar, Maash and Iqra Momayaz

STANC
Islamic Banking

HSBC
HSBC Amanah Islamic Banking

Ladies Banking Packages Johara Banking

Safe Deposit Lockers MashreqMillionaire Student Banking Solutions

Saadiq Savings Saadiq Current Saadiq Term

Saadiq Platinum Credit Card Saadiq Gold Credit Card Saadiq Personal Finance Saadiq Auto Finance Saadiq Home Finance

Assume small error margin for apple to apples comparisons against naming conventions e.g. Classic, Gold, Platinum, Titanium, Prestige, Elite etc..

Assume small error margin for apple to apples comparisons against naming conventions e.g. Classic, Gold, Platinum, Titanium, Prestige, Elite etc..

Based on AED1000/- Dhs of Spend

Board of Directors
H. E. Nasser Ahmed Khalifa Alsowaidi H. E. Dr. Jauan Salem Al Dhaheri H.E. Mohammed Omar Abdulla Mr. Khalifa Sultan Al Suwaidi Mr. Hashim Fawaz Al Kudsi Mr. David Beau Mr. Sultan Bin Rashed Al Dhaheri Sheikh Ahmed Mohammed Sultan Al Dhaheri Sheikh Mohammed Saif Mohammed Al Nahyan Mr. Matar Hamdan Al Ameri Chairman Deputy Chairman Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD

Senior Management
Mr. Michael H. Tomalin Mr. Abdulla M.S. AbdulRaheem Mr. Abhijit Choudhury Mr. Akram Mark Yassin Mr. Qamber Ali Al Mulla Mr. Mahmood Al Aradi Mr. Saif Al Shehhi Mr. Rdiger von Wedel Mr. Jamil I. Elhalabi Mr. Ehab Anis Hassan Mr. Srood A. Sherif Mr. Abdel Hamid Amer Mr. Samer Abdelhaq Mr. John Garrett Mr. Malcolm Walker Mr. Aref Ismail Al Khouri Dr. Giyas Gokkent Group Chief Executive Senior General Manager, Group Chief Operating Officer Senior General Manager & Chief Risk Officer, Risk Management Division Senior General Manager, Corporate & Investment Banking Division Senior General Manager, International Banking Division Senior General Manager, Financial Markets Division Senior General Manager, Domestic Banking Division Senior General Manager, Global Wealth Chief Financial Officer Group Chief Human Resources Officer & Executive Vice President Group Chief Information Officer Chief Corporate Governance Officer General Counsel & Head of Legal Department General Manager and Group Chief Compliance Officer General Manager and Group Chief Audit Officer General Manager, Abu Dhabi National Islamic Finance Pvt. JSC Chief Economist NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD NBAD

Board of Directors
H.H. Sheikh Ahmed Bin Saeed Al Maktoum Mr. Hesham Abdulla Al Qassim Chairman Vice Chairman eNBD eNBD

H.E. Khalid Juma Al Majid

H.E. Abdulla Bin Sultan Bin Mohamed Al Owais Mr. Hussain Hassan Mirza Al Sayegh

Director
Director Director

eNBD
eNBD eNBD

Mr. Buti Obaid Buti Al Mulla

Mr. Mohamed Hamad Obaid Khamis Al Shehi Mr. Mohamed Hadi Ahmad Al Hussaini Mr. Shoaib Mir Hashem Khoory

Director
Director Director Director

eNBD
eNBD eNBD eNBD

Senior Management
Rick Pudner Abdul Wahed Al Fahim Abdulla Qassem Husam Al Sayed Rajan Khetarpal John Eldredge Jan Hendrik Kraus Kevin Flannery Surya Subramanian Mark Martinelli Chief Executive Officer (Group CEO) Group Deputy CEO Group Chief Operating Officer General Manager Human Resources General Manager Risk General Manager Treasury and Markets General Manager Integration and Head of Group Strategy General Manager International Chief Financial Officer General Manager Internal Audit eNBD eNBD eNBD eNBD eNBD eNBD eNBD eNBD eNBD eNBD

Saeed Yousuf
Abdulhakim Binherz Suresh Kumar

Company Secretary and General Manager Corporate Services

General Manager Legal Affairs CEO Emirates Financial Services

eNBD
eNBD eNBD

Suhail Bin Tarraf

CEO Tanfeeth

eNBD

Board of Directors
Mr. Abdulla Bin Ahmad Al Ghurair Mr. Ali Rashed Ahmad Lootah H.E. Abdul Aziz Abdulla Al Ghurair Chairman & President (Vice Chairman) (Chief Executive Officer & Director) mashreq mashreq mashreq

Mr. Mohamed Abdulla Ahmed Al Ghurair

Mr. Abdulla Mohd Ibrahim Obaidalla Abdul Rahman Saif Ahmad Al Ghurair Mr. Majid Saif Ahmed Al Ghurair

(Director)
(Director) (Director) (Director)

mashreq
mashreq mashreq mashreq

Senior Management
H.E. Abdul Aziz Abdulla Al Ghurair Mr. Ali Raza Khan Mr. Farhad Irani Mr. John Iossifidis Mr. Julio de Quesada Mr. Kantic DasGupta Mr. Nabeel Waheed Mr. Nigel Morgan Mr. Somnath Menon Chief Executive Officer Head of Corporate Affairs Head of Retail Banking Group Head of International Banking Head of Corporate and Investment Banking Group Head of Risk Management Head of Treasury and Capital Markets Shurooq Program Director Head of Operations and Technology mashreq mashreq mashreq mashreq mashreq mashreq mashreq mashreq mashreq

Board of Directors
Mr. Abdulla Bin Ahmad Al Ghurair Mr. Ali Rashed Ahmad Lootah H.E. Abdul Aziz Abdulla Al Ghurair Chairman & President (Vice Chairman) (Chief Executive Officer & Director) mashreq mashreq mashreq

Mr. Mohamed Abdulla Ahmed Al Ghurair

Mr. Abdulla Mohd Ibrahim Obaidalla Abdul Rahman Saif Ahmad Al Ghurair Mr. Majid Saif Ahmed Al Ghurair

(Director)
(Director) (Director) (Director)

mashreq
mashreq mashreq mashreq

Senior Management
H.E. Abdul Aziz Abdulla Al Ghurair Mr. Ali Raza Khan Mr. Farhad Irani Mr. John Iossifidis Mr. Julio de Quesada Mr. Kantic DasGupta Mr. Nabeel Waheed Mr. Nigel Morgan Mr. Somnath Menon Chief Executive Officer Head of Corporate Affairs Head of Retail Banking Group Head of International Banking Head of Corporate and Investment Banking Group Head of Risk Management Head of Treasury and Capital Markets Shurooq Program Director Head of Operations and Technology mashreq mashreq mashreq mashreq mashreq mashreq mashreq mashreq mashreq

Board of Directors
H.E. Eissa Al Suwaidi Mr. Mohamed Al Hameli Mr. Alaa Eraiqat Lord Davies of Abersoch, CBE Mr. Khalid Abdalla Deemas Al Suwaidi Mr. Mohamed Esmaeel Al Fahim Mr. Mohamed Darwish Al Khouri, Independent Mr. Abdulla Al Mutawa Mr. Salem Al Ameri Mr. Jean-Paul Pierre Villain Sheikh. Sultan Bin Suroor Al Dhaheri Mr. Mohamed Al Dhaheri Chairman Vice Chairman CEO & Member - Board of Directors Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB

Senior Management
Alaa Eraiqat Abdulla Khalifa Al Suwaidi Deepak Khullar Colin Fraser Jerry Mllenkramer Simon Copleston Ali Darwish Arup Mukhopadhyay Kevin Taylor Kishore Rao CEO & Member - Board of Directors Head Of Government Relations Group Chief Financial Officer Group Head of Wholesale Banking Group Chief Operating Officer Board Secretary & General Counsel Group Head of Human Resources Group Head of Consumer Banking Group Treasurer Chief Risk Officer ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB ADCB

Board of Directors
H.H. Sheikh Tahnoon Bin Zayed Al Nahyan Abdulhamid Mohammed Saeed Ahmed Ali Al Sayegh Khaldoon Khalifa Al Mubarak Khadem Abdulla Al Qubaisi Sultan Khalfan Sultan AlKtebi Acting Chairman and Vice Chairman Managing Director & Board Member Board Member Board Member Board Member Board Member FGB FGB FGB FGB FGB FGB

Senior Management
Abdul Hamid Mohammed Saeed Andr Sayegh Managing Director Chief Executive Officer FGB FGB

Abdul Wahed Juma

Amit Wanchoo Arif Shaikh Gareth Powell George Abraham Hana Al Rostamani Jasim Al Ali Karim Karoui Ray Maurer Shafiqur Rahman Adhami Zulfiquar Ali Sulaiman

Head of Corporate Affairs

Head of Retail Banking Group Chief Credit & Risk Officer Head of Human Resources Head of Corporate Banking Head of Strategic Planning Chief Executive Officer, First Gulf Properties & Mismak Properties Chief Financial Officer Head of Investment Banking Head of Treasury/ Financial Institutions & Islamic Banking Business Support Director

FGB
FGB FGB FGB FGB FGB FGB FGB FGB FGB FGB

H.E. Mohammed Ibrahim Al Shaibani Dr. Tarik Humaid Al Tayer Khali Ahmed Khali Al Suwaldi Abdulla Ali Al Hamil Mr. Ahmed Mohammed Bin Humaidan Mr. Yahya Saeed Ahmad Lootah Hamad Bin Abdulla Al Shamsi Abdullah Al Sayed Mohammed Al Hashimi Abdul Aziz Ahmed Al Muhairi

Board of Directors Chairman Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member

DIB DIB DIB DIB DIB DIB DIB DIB DIB

Hussain Hamed Hassan Ali Muhieddine Al Qurra Daghi Mohammed Abdulrazzaq Al Siddiq Ajil Jassem Al Nashmi Mohammed Abdulhakim Zair

Sharia Board Chairman Member Member Member Secretary of the Board

Senior Management Chief of Retail and Business Banking Chief of Central Operations Executive Vice President - Financial Affairs Executive Vice President - Real Estate Finance Senior Vice President - Risk Management Senior Vice President - Real Estate and Finance Senior Vice President - Wealth Management and Private Banking Senior Vice President - Corporate Banking Senior Vice President - Centralized Operations Senior Vice President - Retail and Business Banking Services Senior Vice President - Sales Vice President - Finance Vice President and Head of Gulf Region - Corporate Banking Vice President - Collections and Recoveries Vice President - Project Finance Investment Vice President - Internal Review Vice President - Head of Real Estate Finance Vice President - Internal Audit Vice President - Private Banking Vice President - Marketing Vice President - IT Head of Investments - Wealth Management Senior Vice President - Head of Branches Head of Human Resources Chief Executive Officer Managing Director Group Chief Internal Auditor

DIB DIB DIB DIB DIB

Adnan Chilwan Mohamed Al Nahdi Mohammed Saeed Al Sharif Ayman Kamal Fahd Al Muhairi Ayman Adil Saeed Al Qatami Sayed Naved Ali Mohammed Nasrallah Mohammed Al Ameeri Abdullah Al Shamsi Salman Al Yaqet Akram Khan Nidal Al Shoumali Omair Airajooraj Mohammed Fayez Al Shamsi Habib Bitar Abdulhakim Kanan Junaid Ahmad Salah Mohammed Msabei Al Gizi Naveed Ahmad Nasser Al Awadhi Taha Noman Noman Abdullah Ali Al Hamli Khaled Mohammed Bin Ali Al Kamda Faisal Hameed

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Board of Directors
H.H. Sheikh. Nahayan Mabarak Al Nahayan H.E. Ahmed Saeed Al Badi H.E. Mohamed Ahmed Al Bowardi Mr. Rashid Darwish Al Ketbi Mr. Khalifa Sultan Al Suwaidi Mr. Yousef Abdulaziz Al Harmoudi H.E. Sami Dhaen Al Qamzi Mr. Buti Saeed Al Ghandi Chairman Board Member Board Member Board Member Board Member Board Member Board Member Board Member UNB UNB UNB UNB UNB UNB UNB UNB

Senior Management
Mr. Mohammad Nasr Abdeen Mr. Hani El Badrawi Mr. Ajay Dilip Bhuptani Mr. Mahmoud Halawa Chief Executive Officer Executive Vice President Executive Vice President Executive Vice President UNB UNB UNB UNB

Board of Directors
H.E. Shaikh Omar bin Saqr Al-Qasimi H.E. Shaikh Salim bin Sultan Al Qasimi Mr. Hamad Abdulaziz Al Sagar Mr. Abdul Aziz Abdulla Al Zaabi Mr. Essa Ahmad Abu Shuraija Al Neaimi Mr. Yousuf Obaid Essa Mr. Ahmad Essa Al Naeem Chairman Board Member Board Member Board Member Board Member Board Member Board Member RAK RAK RAK RAK RAK RAK RAK

Board of Directors
H.E. Jawaan Awaidha Suhail Al Khaili H.E. Khaled Abdullah Neamat Khouri H.E. Khamis Buharoon H.E. Juma Khamis Al Khaili H.E. Ragheed Najeeb Shanti H.E.Dr.Sami Ali AL Amri H.E. Mr. Abdulla bin Aqueeda Al Muhairi Chairman Vice Chairman Board Member Board Member Board Member Board Member Board Member ADIB ADIB ADIB ADIB ADIB ADIB ADIB

Sharia Board
Sheikh Muhammad Taqi Al Uthmani Dr. Abdul Sattar Abu Ghudda Dr. Jasem Ali Al Shamsi Sheikh Nizam Muhammad Yaqoubi Dr. Mohamed Ali ElGari Chairman Vice Chairman, Head of Executive Committee Board and Executive Committee Member Board and Executive Committee Member Board Member ADIB ADIB ADIB ADIB ADIB

Senior Management
Tirad M. Mahmoud Chief Executive Officer ADIB

Board of Directors
H.E. Saeed Ahmed Ghobash Mr. Shihab Mohammed Shihab Gargash Mr. Omar Abdulla Al Futtaim Mr. Khaled Abdul Wahed Al Rostamani Chairman Director Director Director CBD CBD CBD CBD

Mr. Abdulla Saif Al Hathboor

Mr. Manei Moh'd Saeed Al Mulla Mr. Ali Fardan Al Fardan Mr. Hamed Ahmad Kazim Mr. Abdul Wahid Al Ulama Mr. Mohammed Abdul Rahman Al Jallaf Mr. Abdulla Saeed Al Naboodah

Director
Director Director Director Director Director Director

CBD
CBD CBD CBD CBD CBD CBD

Senior Management
Mr. PETER BALTUSSEN MR. YAQOOB YOUSUF HASSAN MR. IBRAHIM ABDULLA MR. MAHMOUD HADI MR. FAISAL GALADARI MR. AHMED SHAHEEN Chief Executive Officer Deputy Chief Executive General Manager - Administration & Finance General Manager - Systems & Operations General Manager - Business Group General Manager Chief Risk Officer CBD CBD CBD CBD CBD CBD

Senior Management
John Vitalo Rezwan Mirza Venkatesh Srikantan Rory Gilbert Makram Azar Chief Executive Officer, Barclays Bank Plc - Middle East & North Africa Managing Director, Head of Corporate Coverage Barclays, UAE & GCC Head of Consumer Bank, Barclays UAE Head of Middle East and North Africa, International Private Bank EMEA Vice Chairman, Investment Banking Barclays Barclays Barclays Barclays Barclays UAE UAE UAE UAE UAE

Board of Directors
David G Eldon Simon N Cooper Abdel Salam El Anwar Alexander A Flockhart Robert B Gray Mukhtar M Hussain Christopher J M Keirle A Robin Monro-Davies Abdul Hakeem Mostafawi Abdulfattah Sharaf Thomas L Slattery Nicholas G Winsor Alexandre P Zeller Chairman Deputy Chairman and CEO Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member Board Member HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC HSBC UAE UAE UAE UAE UAE UAE UAE UAE UAE UAE UAE UAE UAE

Senior Management
V. Shankar Afaq Khan Marios Maratheftis Philippe Dauba-Pantanacce Shady Shaher Abah Ofon Jonathan Morris Hassan Jarrar Deanna Othman Sumeet Bhambri Syed Hammad Haider Chief Executive Officer Europe, Middle East, Africa and Americas Chief Executive Officer, Standard Chartered Saadiq Regional Head of Research, Europe, Middle East, Africa and Americas Senior Economist, Middle East and North Africa Senior Economist, Middle East and North Africa Soft Analyst, Standard Chartered Bank Chief Executive Officer, UAE Head of Origination and Client Coverage, Wholesale Banking Head, Premium Banking, UAE Head, Wealth Management, UAE Head of Lending, UAE Std Std Std Std Std Std Std Std Std Std Std Chart Chart Chart Chart Chart Chart Chart Chart Chart Chart Chart