B EFORE WE BEGIN If you need any assistance, please ask our - PowerPoint PPT Presentation

A GENDA T IME S ESSION S PEAKER André Sayegh 09:00am – 09:15am Opening Remarks Chief Executive Officer Hana Al Rostamani 09:15am – 9:45am Session 1 Head of Strategy & Planning Amit Wanchoo 09:45am – 10:15am Session 2 Head of Consumer Banking 10:15am – 10:30am Break Simon Penney Simon Penney 10:30am – 11:00am Session 3 Head of Wholesale & International Banking Christopher Wilmot 11:00am – 11:30pm Session 4 Head of Treasury & Global Markets 11:30pm – 11:45pm Break Arif Shaikh 11:45pm – 12:15pm Session 5 Chief Risk Officer Karim Karoui 12:15pm – 12:30pm Closing Remarks Chief Financial Officer 12:30pm – 14:00pm Lunch Break 1/3 A NALYST & I NVESTOR D AY 2013

B EFORE WE BEGIN …  If you need any assistance, please ask our Logistics Team identifiable by red badges  Each 30-minute session includes at least 10mn for Q&As  Before the lunch break, please take a few minutes to fill in the  Before the lunch break, please take a few minutes to fill in the feedback form in order to enable us to improve future FGB IR events  Today’s presentation will be available via audio podcast within the next few days on our dedicated Investor Relations website http://www.fgb.ae/en/investor-relations 2/3 A NALYST & I NVESTOR D AY 2013

D ISCLAIMER This presentation provides information in summary form only and is not intended to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. No presentation ,express or implied, is made as to the fairness, accuracy, completeness or correctness of information contained in this presentation, including the accuracy, likelihood of achievement or reasonableness of any forecasts, prospects, synergies, returns, benefits or statements in relation to future matters contained in the presentation. The forward-looking statements are by their nature subject to significant uncertainties and contingencies and are based on numbers or estimates or assumptions that are subject to change (and in many cases are outside the control of FGB and its directors) which may cause the actual results or performance of FGB to be materially different from any future results or performance expressed or implied by such forward looking statements. statements. To the maximum extent permitted by law, FGB disclaims any responsibility for the accuracy or completeness of any information contained in this presentation including any forward-looking statements and disclaims any responsibility to update or revise any information or forward-looking statement to reflect any change in FGB’s financial condition, status or affairs or any change in the events, conditions or circumstances on which a statement is based. To the maximum extent permitted by law, neither FGB nor its related bodies corporate, directors, employees or agents, nor any other person, accepts any liability, including, without limitation, any liability arising from fault or negligence, for any direct, indirect or consequential loss arising from the use of this presentation or its contents or otherwise arising in connection with it. This presentation should be read in conjunction with other publicity available material. Further information including historical results and a description of the activities of FGB is available on our website, www.fgb.ae 3/3 A NALYST & I NVESTOR D AY 2013

O PENING R EMARKS A NDRÉ S AYEGH – C HIEF E XECUTIVE O FFICER

FGB’ S J OURNEY IS ABOUT V ALUE C REATION S INCE YEAR 2000, FGB M ARKET C AP EXPANDED FROM AED 560M N TO AED 50B N S USTAINABLE AND D ISCIPLINED G ROWTH REATION  Customer Centricity  Customer Centricity R ESILIENT  Product Diversification  Product Diversification  Product Diversification  Product Diversification V ALUE C R B B USINESS  Geographic Diversification  Geographic Diversification MODEL  Risk Management  Risk Management S TRONG  Liquidity  Liquidity  Capital Adequacy  Capital Adequacy G ROWTH  Efficiency  Efficiency  Volumes  Volumes Date of Date of Establishment Establishment 2000-2007 2008 - 2013 2013 onwards 1979… 1/2 A NALYST & I NVESTOR D AY 2013

H OW W E A RE C REATING M ORE V ALUE …D ESIGNED TO … AND D RIVE L ONG T ERM D ELIVER S UPERIOR A S TRONG B USINESS … S HAREHOLDER V ALUE P ERFORMANCE …  Disciplined growth  Disciplined growth FGB’s Position of FGB’s Position of  Efficient balance sheet  Efficient balance sheet Strength Strength  Enhanced Profitability  Enhanced Profitability  Enhanced Profitability  Enhanced Profitability management management management management  Efficient and Prudent  Efficient and Prudent  Revenue growth and  Revenue growth and Capital Deployment Capital Deployment diversification diversification  Dividend Capacity  Dividend Capacity Clear Strategy and Clear Strategy and  Cost Efficiency  Cost Efficiency Execution Plan across Execution Plan across  Strong portfolio quality  Strong portfolio quality Streamlined Businesses Streamlined Businesses 2/2 A NALYST & I NVESTOR D AY 2013

S ESSION 1 H ANA A L R OSTAMANI – H EAD OF S TRATEGY & P LANNING

D EFINING S TATEMENTS O UR V ISION T O BE RECOGNIZED AS A WORLD CLASS ORGANIZATION MAXIMIZING VALUE FOR ALL STAKEHOLDERS O UR M ISSION T O BE THE ‘FIRST’ CHOICE OF CUSTOMERS 1/11 A NALYST & I NVESTOR D AY 2013

O UR C ORE V ALUES P EOPLE F OCUSED P ASSION TO E XCEL P URSUIT P ARTNERSHIP W ITH T RUST O F A ND I NNOVATION I NTEGRITY 2/11 A NALYST & I NVESTOR D AY 2013

M EASURING OUR S UCCESS 2000 S EP ’13 Deposits (AED Bn) 1.8 x74 132.6 Loans & Advances (AED Bn) 1.4 x90 126.9 Shareholders’ Equity (AED Bn) 0.5 x60 29.8 50.3 (1) Market Capitalization (AED Bn) 0.56 x90 Staff 174 1,159 Moody’s: A2 Moody’s: A2 Rating BB + Fitch: A+ (since 2007) UAE, Libya, India, Qatar, International Presence UAE Only Hong-Kong, Singapore FGB TOOK OPPORTUNITIES OF MARKET GROWTH AND WEATHERED THE CYCLES OF FGB TOOK OPPORTUNITIES OF MARKET GROWTH AND WEATHERED THE CYCLES OF THE ECONOMY TO EMERGE AS ONE OF THE STRONGEST BANKS IN THE REGION THE ECONOMY TO EMERGE AS ONE OF THE STRONGEST BANKS IN THE REGION (1) Market cap at AED 50.3Bn by 20 th of November 2013 (share price AED 16.75) 3/11 A NALYST & I NVESTOR D AY 2013

M ARKET P OSITIONING  2 nd by Earning per Share  2 nd by Market Capitalisation  2 nd by Net Profit  3 rd by Equity  3 by Equity  3 rd by Customers’ Deposits  3 rd by Assets  3 rd by Loans and Advances Data as of end of September 2013 4/11 A NALYST & I NVESTOR D AY 2013

O UR C ORE AND E MERGING B USINESSES 5/11 A NALYST & I NVESTOR D AY 2013

E XPANDING G LOBAL P RESENCE FGB-Libya Qatar India Hong-Kong Singapore Singapore 2 Branches 2 Rep Offices 1 Subsidiary Future rep offices 6/11 A NALYST & I NVESTOR D AY 2013

D IVERSIFIED B USINESS C ONTRIBUTIONS S EP ’13 A SSETS B REAKDOWN S EP ’13 R EVENUE B REAKDOWN Real Estate Other Other Real Estate activities 2% 1% 5% 5% T&GM 13% T&GM 25% 25% Wholesale Banking Wholesale Banking 44% 41% Consumer Banking 42% Consumer Banking 24% Data as of end of September 2013 7/11 A NALYST & I NVESTOR D AY 2013

O UR S TRATEGIC I MPERATIVES  Strengthen customer segmentation and intelligence  Strengthen customer segmentation and intelligence B UILD A CUSTOMER B UILD A CUSTOMER  Expanding into new customer segments  Expanding into new customer segments DRIVEN INSTITUTION DRIVEN INSTITUTION  Stronger competitive advantage  Stronger competitive advantage D ELIVER FULL - SERVICE D ELIVER FULL - SERVICE  Further develop Wholesale Banking proposition  Further develop Wholesale Banking proposition  Further develop Wholesale Banking proposition  Further develop Wholesale Banking proposition PROPOSITION IN PROPOSITION IN  Strengthening of Consumer Bank proposition  Strengthening of Consumer Bank proposition OUR CORE BUSINESSES OUR CORE BUSINESSES S PECIALIZATION TO S PECIALIZATION TO  Islamic Banking Proposition (Aseel)  Islamic Banking Proposition (Aseel) ENHANCE PERFORMANCE ENHANCE PERFORMANCE IN OUR EMERGING IN OUR EMERGING  Expansion of Treasury and Global Markets  Expansion of Treasury and Global Markets BUSINESSES BUSINESSES 8/11 A NALYST & I NVESTOR D AY 2013

O UR S TRATEGIC I MPERATIVES E XPAND OUR E XPAND OUR  Grow Asia presence  Grow Asia presence I NTERNATIONAL I NTERNATIONAL  Organic “Greenfield” growth  Organic “Greenfield” growth COVERAGE COVERAGE  Strengthen Brand and reputation locally &  Strengthen Brand and reputation locally & internationally internationally I I I NVEST IN OUR B RAND I NVEST IN OUR B RAND B B  Recognition in leading industry awards  Recognition in leading industry awards  3rd strongest brand value in UAE (USD 780Mn)  3rd strongest brand value in UAE (USD 780Mn)  FGB Business School  FGB Business School I NVEST IN OUR P EOPLE I NVEST IN OUR P EOPLE  Strong Employee Engagement Programme  Strong Employee Engagement Programme AND T HEIR G ROWTH AND T HEIR G ROWTH  Talent development  Talent development 9/11 A NALYST & I NVESTOR D AY 2013