2017 Investor HighlightsBank ABC AGM, 25th March 2018

2017 Investor Highlights

Performance improving

Balance sheet strong

Strategy delivering

Dividends

Outlook – cautious optimism

Bank ABC well placed for success

External environment challenging

2017 Challenging External Environment

2017.. Challenging External Environment

GCC,MENA

Low Oil prices and fiscal deficits in GCC

Significant FX devaluation in Egypt

Continuing Geopolitical risks

Deal volumes reduced

Enhanced risk management practices and strict adherence to Risk Appetite

USD P&L impacted by FX translation

Europe and Americas

Global uncertainty - Brexit / rise ofpopulist parties; Shifting global trade policy

Low interest rates combined with excess liquidity

Brazil – early signs of recovery emerging but still after effects of recession continuing

Tightening Spreads

Higher impairment provisions

Credit Condition Under Pressure

Asset Quality Review function established

Proactive rating agency management

Credit behavior under close watch

Sovereign downgrades / rating pressures

Performance Improving

5.0%

$193M

Performance improving

*normalized for the tax effect of currency hedges, headline 2017 revenue of $869m (2016, $865m) 2016A 2017A

Revenue*

Net Profit

ROE

7%815

874

6%183 193

0.2%4.8 % 5.0 %

Balance sheet strong

91%2016A 2017A

17.5% 17.7 %

12%103 %** 91 %

17.7%

0.2%

**restated from 111% for purposes of YOY comparison

LCR / NSFR – Above 100%, stable and with comfortable buffers

T1 CAR

Loans/Customer Deposits

Other 2017 highlights

2%

Total Assets

Active Balance Sheet Management. Earning Assets in Loans and advances grew by +$0.6b / 4%.

Deposits from Banks Deposits from Customers

Bank Actively improving the deposit mix combined with balance sheet re-categorisation into Banks and Customers (non-banks).

Total Operating Income

TOI increased to $869m from $865m.

OpEx Growth

Cost growth contained, despite significant investments.C/I ratio stable.

FX Conditions in 2017 benign compared to 2016. Also Fair values on Securities portfolio improved.

Tax Charge

For reasons indicated over

Comprehensive Income Growth

TOI is impacted by certain foreign currency hedging transactions that have an offsetting tax impact. On a normalized basis, YoY TOI grew by $59m to $874m from $815m / 7%*.

*Note 11 of the financial statements provides detail on the tax effects.

Underpinned by LeadingInternational Regulators

The Group is subject to extensive regulation from a number of global regulators and benchmarks strongly against international standards

ABC’s Home Regulator

In addition Bank ABC is regulated by various international regulators and has operating standards set at the highest level of its regulatory landscape

ABC’s other International Regulators

United Kingdom

United States

Dubai

Singapore

France

Germany

Italy

The Central Bank of Bahrain is at the forefront of aligning to international best practices on Bank health as well as prudent Corporate Governance

Dividends

Dividend @ 3%

Dividend policy consistent

3% equity = $93.3m

48% net profit – for growth without CAR erosion

Attractive to investors ~ 10% yield

Strategy Delivering

Strategy Delivering

Client-centric International BankNew management structure in placeNetwork expanded – DIFC / SingaporeCapital markets successesAutomation & analytics – CMS/EDW

Growing Primary Markets:MENA/Brazil

Economic conditions stable / improvingContinuing investmentsUnderlying performance improving

Digital Retail Roadmap

Neo bank launchAFS / FintechDigital platform in ABC units

Organisational Health

Balance sheet management / Corporate TreasuryCompliance / Audit (GRA) / IT & Cyber security

Outlook 2018Cautious Optimism

Outlook 2018 - Cautious optimism

MENA / GCC - Oil price stabilized / but fiscal positions still challenged

Brazil out of recession / growth of [3%] forecast for 2018 / banking industry recovering / but political uncertainty, presidential elections

Global – still strong global growth / US rates continue to rise / Brexittransition / but trade barriers rising

Bank ABCWell placed for success

Bank ABC – well placed for success

Brand presence strengthening

‘Go to’ bank for clients

Multiple landmark transactions

Awards & Recognition

Strong in league

Key deals

Strong Brand Awards & Recognition 2017

The Banker MagazineBank of the year 2017 - Bahrain

Strong Brand Awards & Recognition 2017

Bonds Loans and Sukuk Middle East awardsFinancial Institutions Deal of the Year: WarbaBank $250m Tier 1 Sukuk

Syndicated Loan Deal of the Year: AluminiumBahrain US$ 882m Conventional Credit Facility

Sharjah Chamber of Commerce and IndustryOne of the top 10 corporations’ in GCC

‘Go to’ bank for clientsStrong in league

2017 MENA league tables for capital markets demonstrate our strong standing

Rank Bank Total Deals Volume (USD million)

1 10 1,401

1 SCB 10 2,070

2 HSBC 7 1,215

3 FAB 7 823

4 Citi 5 2,848

By number of deals; source: Thomson Reuters | LoanConnector

Debt Capital MarketsLoan Syndications

Experienced TeamIslamic

Structuring Capabilities

Global Distribution

Secondary Market Support

Supported by unique capabilities across the platform

^ By number of deals

Established capital markets platform that has arranged a number of key high profile transactions in the region for corporates, financial institutions and sovereign

Capital Market Credentials

Since 2015, Bank ABC’s has arranged 89 transactions in the international capital markets, raising over USD 35 billion for our clients

Top Bookrunner in the loans league table for MENA in 2017*Top regional Bookrunner in the loans table for MENA in 2016*Top Bookrunner in the loans league table for MENA in 2015*Leading MENA loan distribution platformDistributed over USD 1.5 billion of loan assets in 2017 in the secondary market

MENA focused JLM with strong distribution capabilities in GCC, Asia and EuropeTop 10 on the 2017 GCC Bonds & Sukuk (ex-KSA) league table*Top 10 on the 2017 MENA Sukuk league table*JLM and Bookrunner on 26 transaction since 2016

Multiple landmark transactions