IMPORTANT NOTICE

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IMPORTANT NOTICE THIS PROSPECTUS MAY ONLY BE DISTRIBUTED TO PERSONS WHO ARE NOT U.S. PERSONS (AS DEFINED IN REGULATION S (REGULATION S) UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THE SECURITIES ACT)) AND WHO ARE OUTSIDE OF THE UNITED STATES. IMPORTANT: You must read the following disclaimer before continuing. The following disclaimer applies to the attached prospectus (the Document) whether received by e-mail, accessed from an internet page or otherwise received as a result of electronic communication, and you are therefore advised to read this disclaimer carefully before reading, accessing or making any other use of the Document. In accessing the Document, you agree to be bound by the following terms and conditions, including any modifications to them from time to time, each time you receive any information from any of the Issuer and/or the Joint Lead Managers (each as defined below) as a result of such access. Restrictions: UNDER NO CIRCUMSTANCES SHALL THE DOCUMENT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY NOR SHALL THERE BE ANY SALE OF THE SECURITIES IN THE UNITED STATES OR ANY OTHER JURISDICTION IN WHICH SUCH OFFER, SOLICITATION OR SALE WOULD BE UNLAWFUL. ANY SECURITIES TO BE ISSUED HAVE NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OR WITH ANY SECURITIES REGULATORY AUTHORITY OF ANY STATE OR OTHER JURISDICTION OF THE UNITED STATES AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED DIRECTLY OR INDIRECTLY (I) AS PART OF THEIR DISTRIBUTION AT ANY TIME OR (II) OTHERWISE UNTIL 40 DAYS AFTER THE COMPLETION OF THE DISTRIBUTION, AS DETERMINED BY THE JOINT LEAD MANAGERS, OF ALL SECURITIES, WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND APPLICABLE STATE AND LOCAL SECURITIES LAWS. THE DOCUMENT MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON WITHOUT THE PRIOR WRITTEN CONSENT OF THE JOINT LEAD MANAGERS AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. DISTRIBUTION OR REPRODUCTION OF THE DOCUMENT IN WHOLE OR IN PART IS UNAUTHORISED. FAILURE TO COMPLY WITH THIS DIRECTIVE MAY RESULT IN A VIOLATION OF THE SECURITIES ACT OR THE APPLICABLE SECURITIES LAWS OF OTHER JURISDICTIONS. WITHIN THE UNITED KINGDOM, THE DOCUMENT IS DIRECTED ONLY AT (A) PERSONS WHO HAVE PROFESSIONAL EXPERIENCE IN MATTERS RELATING TO INVESTMENTS FALLING WITHIN ARTICLE 19(5) OF THE FINANCIAL SERVICES AND MARKETS ACT 2000 (FINANCIAL PROMOTION ) ORDER 2005 (THE FP ORDER), OR (B) WHO ARE PERSONS FALLING WITHIN ARTICLE 49(2)(a) TO (d) OF THE FP ORDER, OR (C) TO WHOM IT MAY OTHERWISE LAWFULLY BE DISTRIBUTED IN ACCORDANCE WITH THE FP ORDER (ALL SUCH PERSONS IN (A), (B) AND (C) ABOVE TOGETHER BEING REFERRED TO AS RELEVANT PERSONS). THE DOCUMENT MUST NOT BE ACTED ON OR RELIED ON BY PERSONS WHO ARE NOT RELEVANT PERSONS. ANY INVESTMENT OR INVESTMENT ACTIVITY TO WHICH THE DOCUMENT RELATES IS AVAILABLE ONLY TO RELEVANT PERSONS AND WILL BE ENGAGED IN ONLY WITH RELEVANT PERSONS. FOR A MORE COMPLETE DESCRIPTION OF RESTRICTIONS ON OFFERS AND SALES, SEE “SUBSCRIPTION AND SALE”. The Capital Securities are complex financial instruments and are not a suitable or appropriate investment for all investors. In some jurisdictions, regulatory authorities have adopted or published laws, regulations or guidance with respect to the offer or sale of securities such as, or with features similar to those of, the Capital Securities to retail investors. By purchasing, or making or accepting an offer to purchase, any Capital Securities from the Issuer and/or the Joint Lead Managers, each prospective investor represents, warrants, agrees with and undertakes to the Issuer and each of the Joint Lead Managers that: (a) it will not sell or offer the Capital Securities to retail clients in the European Economic Area (the EEA) (as defined in article (4)(1)(12) of the Markets in Financial Instruments Directive (2004/39/EC) (MiFID)) or do anything (including the distribution of this Document or the final prospectus in relation to the Capital Securities) that would or might result in the buying of the Capital Securities or the holding of a beneficial interest in the Capital Securities by a retail client in the EEA, other than in relation to any sale or offer to sell Capital Securities to a retail client in any EEA member state, where (i) it has conducted an assessment and concluded that the relevant retail client understands the risks of an investment in the Capital Securities and is able to bear the potential losses involved in an investment in the Capital Securities and (ii) it has at all times acted in relation to such sale or offer in compliance with MiFID to the extent it applies to it or, to the extent MiFID does not apply to it, in a manner which would be in compliance with MiFID if it were to apply to it; and (b) it has complied and will at all times comply with all applicable laws, regulations and regulatory guidance (whether inside or outside the EEA) relating to the promotion, offering, distribution and/or sale of the Capital Securities, including any such laws, regulations and regulatory guidance relating to determining the appropriateness and/or suitability of an investment in the Capital Securities by investors in any relevant jurisdiction.

Transcript of IMPORTANT NOTICE

IMPORTANT NOTICE

THIS PROSPECTUS MAY ONLY BE DISTRIBUTED TO PERSONS WHO ARE NOT U.S. PERSONS (AS DEFINED INREGULATION S (REGULATION S) UNDER THE UNITED STATES SECURITIES ACT OF 1933, AS AMENDED (THESECURITIES ACT)) AND WHO ARE OUTSIDE OF THE UNITED STATES.

IMPORTANT: You must read the following disclaimer before continuing. The following disclaimer applies to the attachedprospectus (the Document) whether received by e-mail, accessed from an internet page or otherwise received as a result ofelectronic communication, and you are therefore advised to read this disclaimer carefully before reading, accessing ormaking any other use of the Document. In accessing the Document, you agree to be bound by the following terms andconditions, including any modifications to them from time to time, each time you receive any information from any of theIssuer and/or the Joint Lead Managers (each as defined below) as a result of such access.

Restrictions: UNDER NO CIRCUMSTANCES SHALL THE DOCUMENT CONSTITUTE AN OFFER TO SELL OR THESOLICITATION OF AN OFFER TO BUY NOR SHALL THERE BE ANY SALE OF THE SECURITIES IN THE UNITEDSTATES OR ANY OTHER JURISDICTION IN WHICH SUCH OFFER, SOLICITATION OR SALE WOULD BE UNLAWFUL.ANY SECURITIES TO BE ISSUED HAVE NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACTOR WITH ANY SECURITIES REGULATORY AUTHORITY OF ANY STATE OR OTHER JURISDICTION OF THE UNITEDSTATES AND MAY NOT BE OFFERED, SOLD, PLEDGED OR OTHERWISE TRANSFERRED DIRECTLY OR INDIRECTLY(I) AS PART OF THEIR DISTRIBUTION AT ANY TIME OR (II) OTHERWISE UNTIL 40 DAYS AFTER THE COMPLETIONOF THE DISTRIBUTION, AS DETERMINED BY THE JOINT LEAD MANAGERS, OF ALL SECURITIES, WITHIN THEUNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS EXCEPT PURSUANT TO ANEXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THESECURITIES ACT AND APPLICABLE STATE AND LOCAL SECURITIES LAWS.

THE DOCUMENT MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON WITHOUT THE PRIORWRITTEN CONSENT OF THE JOINT LEAD MANAGERS AND MAY NOT BE REPRODUCED IN ANY MANNERWHATSOEVER. DISTRIBUTION OR REPRODUCTION OF THE DOCUMENT IN WHOLE OR IN PART ISUNAUTHORISED. FAILURE TO COMPLY WITH THIS DIRECTIVE MAY RESULT IN A VIOLATION OF THE SECURITIESACT OR THE APPLICABLE SECURITIES LAWS OF OTHER JURISDICTIONS.

WITHIN THE UNITED KINGDOM, THE DOCUMENT IS DIRECTED ONLY AT (A) PERSONS WHO HAVE PROFESSIONALEXPERIENCE IN MATTERS RELATING TO INVESTMENTS FALLING WITHIN ARTICLE 19(5) OF THE FINANCIALSERVICES AND MARKETS ACT 2000 (FINANCIAL PROMOTION ) ORDER 2005 (THE FP ORDER), OR (B) WHO AREPERSONS FALLING WITHIN ARTICLE 49(2)(a) TO (d) OF THE FP ORDER, OR (C) TO WHOM IT MAY OTHERWISELAWFULLY BE DISTRIBUTED IN ACCORDANCE WITH THE FP ORDER (ALL SUCH PERSONS IN (A), (B) AND (C)ABOVE TOGETHER BEING REFERRED TO AS RELEVANT PERSONS). THE DOCUMENT MUST NOT BE ACTED ONOR RELIED ON BY PERSONS WHO ARE NOT RELEVANT PERSONS. ANY INVESTMENT OR INVESTMENT ACTIVITYTO WHICH THE DOCUMENT RELATES IS AVAILABLE ONLY TO RELEVANT PERSONS AND WILL BE ENGAGED INONLY WITH RELEVANT PERSONS. FOR A MORE COMPLETE DESCRIPTION OF RESTRICTIONS ON OFFERS ANDSALES, SEE “SUBSCRIPTION AND SALE”.

The Capital Securities are complex financial instruments and are not a suitable or appropriate investment for all investors. In somejurisdictions, regulatory authorities have adopted or published laws, regulations or guidance with respect to the offer or sale ofsecurities such as, or with features similar to those of, the Capital Securities to retail investors.

By purchasing, or making or accepting an offer to purchase, any Capital Securities from the Issuer and/or the Joint LeadManagers, each prospective investor represents, warrants, agrees with and undertakes to the Issuer and each of the Joint LeadManagers that:

(a) it will not sell or offer the Capital Securities to retail clients in the European Economic Area (the EEA) (as defined inarticle (4)(1)(12) of the Markets in Financial Instruments Directive (2004/39/EC) (MiFID)) or do anything (including thedistribution of this Document or the final prospectus in relation to the Capital Securities) that would or might result in thebuying of the Capital Securities or the holding of a beneficial interest in the Capital Securities by a retail client in theEEA, other than in relation to any sale or offer to sell Capital Securities to a retail client in any EEA member state,where (i) it has conducted an assessment and concluded that the relevant retail client understands the risks of aninvestment in the Capital Securities and is able to bear the potential losses involved in an investment in the CapitalSecurities and (ii) it has at all times acted in relation to such sale or offer in compliance with MiFID to the extent itapplies to it or, to the extent MiFID does not apply to it, in a manner which would be in compliance with MiFID if itwere to apply to it; and

(b) it has complied and will at all times comply with all applicable laws, regulations and regulatory guidance (whether insideor outside the EEA) relating to the promotion, offering, distribution and/or sale of the Capital Securities, including anysuch laws, regulations and regulatory guidance relating to determining the appropriateness and/or suitability of aninvestment in the Capital Securities by investors in any relevant jurisdiction.

Where acting as agent on behalf of a disclosed or undisclosed client when purchasing, or making or accepting an offer topurchase, any Capital Securities from the Issuer and/or the Joint Lead Managers, the foregoing representations, warranties,agreements and undertakings will be given by and be binding upon both the agent and its underlying client.

CONFIRMATION OF YOUR REPRESENTATION: In order to be eligible to view the Document or make an investmentdecision with respect to the securities described herein, (1) each prospective investor in respect of the securities being offeredoutside of the United States in an offshore transaction pursuant to Regulation S must be a person other than a U.S. Person and(2) each prospective investor in respect of the securities being offered in the United Kingdom must be a Relevant Person. Byaccepting this e-mail and accessing, reading or making any other use of the Document, you shall be deemed to have representedto Goldman Sachs International, HSBC Bank plc and Morgan Stanley & Co. International plc (together, the Joint LeadManagers) and Ahli United Bank B.S.C. (the Issuer) (1) you have understood and agree to the terms set out herein, (2) you are(or the person you represent is) a person other than a U.S. Person, and that the electronic mail (or e-mail) address to which,pursuant to your request, the Document has been delivered by electronic transmission is not located in the United States, itsterritories, its possessions and other areas subject to its jurisdiction; and its possessions include Puerto Rico, the U.S. VirginIslands, Guam, American Samoa, Wake Island and the Northern Mariana Islands, (3) in respect of the securities being offered inthe United Kingdom, you are (or the person you represent is) a Relevant Person, (4) you consent to delivery by electronictransmission, (5) you will not transmit the Document (or any copy of it or part thereof) or disclose, whether orally or in writing,any of its contents to any other person except with the consent of the Joint Lead Managers and (6) you acknowledge that youwill make your own assessment regarding any legal, taxation or other economic considerations with respect to your decision tosubscribe for or purchase any of the securities described herein.

Neither the Joint Lead Managers nor any of their respective affiliates accepts any responsibility whatsoever for the contents of theDocument or for any statement made therein, in connection with the Issuer or the offer. The Joint Lead Managers and theirrespective affiliates accordingly disclaim all and any liability whether arising in tort, contract, or otherwise which they mightotherwise have in respect of such document or any such statement. No representation or warranty, express or implied, is made byany of the Joint Lead Managers or their respective affiliates as to the accuracy, completeness, verification or sufficiency of theinformation set out in the Document. The Joint Lead Managers are acting exclusively for the Issuer and no one else in connectionwith the offer. They will not regard any other person (whether or not a recipient of the Document) as their client in relation tothe offer and will not be responsible to anyone other than the Issuer for providing the protections afforded to its clients nor forgiving advice in relation to the offer or any transaction or arrangement referred to herein.

The materials relating to the offering do not constitute, and may not be used in connection with, an offer or solicitation in anyplace where such offers or solicitations are not permitted by law. If a jurisdiction requires that the offering be made by a licensedbroker or dealer and the Joint Lead Managers or any affiliate of the Joint Lead Managers is a licensed broker or dealer in thatjurisdiction the offering shall be deemed to be made by the Joint Lead Managers or such affiliate on behalf of the Issuer in suchjurisdiction.

Under no circumstances shall the Document constitute an offer to sell or the solicitation of an offer to buy nor shall there be anysale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful. Recipients of the Document whointend to subscribe for or purchase any securities to be issued are reminded that any subscription or purchase may only be madeon the basis of the information contained in the final version of the Document.

The Document has been made available to you in an electronic form. You are reminded that documents transmitted via thismedium may be altered or changed during the process of electronic transmission and consequently none of the Issuer, the JointLead Managers nor any person who controls or is a director, officer, employee or agent of the Issuer, the Joint Lead Managersnor any of their respective affiliates accepts any liability or responsibility whatsoever in respect of any difference between theDocument distributed to you in electronic format and the hard copy version. By accessing the Document, you consent to receivingit in electronic form. A hard copy of the Document will be made available to you only upon request to the Joint Lead Managers.

You are reminded that the Document has been delivered to you on the basis that you are a person into whose possession theDocument may be lawfully delivered in accordance with the laws of the jurisdiction in which you are located and you may notnor are you authorised to deliver the Document, electronically or otherwise, to any other person and in particular to any U.S.Person or to any U.S. address. Failure to comply with this directive may result in a violation of the Securities Act or theapplicable laws of other jurisdictions.

If you received the Document by e-mail, you should not reply by e-mail to this communication. Any reply e-mailcommunications, including those you generate by using the “Reply” function on the e-mail software, will be ignored or rejected.Your receipt of the electronic transmission is at your own risk and it is your responsibility to take precautions to ensure that it isfree from viruses and other items of a destructive nature.

AHLI UNITED BANK B.S.C.(incorporated as a joint stock company under the laws of the Kingdom of Bahrain)

U.S.$400,000,000 Perpetual Tier 1 Capital SecuritiesThe U.S.$400,000,000 Perpetual Tier 1 Capital Securities (the Capital Securities) shall be issued by Ahli United Bank B.S.C. (AUB or theIssuer) on 29 April 2015 (the Issue Date). Distribution Payment Amounts (as defined in the Conditions) shall be payable subject to and inaccordance with terms and conditions set out in the “Terms and Conditions of the Capital Securities” (the Conditions) on the outstandingnominal amount of the Capital Securities from (and including) the Issue Date to (but excluding) 29 April 2020 (the First Call Date) at a rateof 6.875 per cent. per annum. If the Capital Securities are not redeemed or purchased and cancelled in accordance with the Conditions on orprior to the First Call Date, Distribution Payment Amounts shall be payable from (and including) the First Call Date subject to and inaccordance with the Conditions at a fixed rate, to be reset on the First Call Date and every five years thereafter, equal to the Relevant FiveYear Reset Rate (as defined in the Conditions) plus a margin of 5.387 per cent. per annum. Distribution Payment Amounts will (subject to theright of the Issuer to defer payments of interest in accordance with Condition 6.2 (Distribution Restrictions – Non-Payment Election)) bepayable semi-annually in arrear on 29 April and 29 October in each year, commencing on 29 October 2015 (each, a Distribution PaymentDate). Payments on the Capital Securities will be made without deduction for, or on account of, taxes, levies, imposts, duties, fees, assessmentsor other charges of whatever nature, imposed or levied by or on behalf of any Relevant Jurisdiction (as defined in the Conditions) (the Taxes)as described in Condition 12 (Taxation).

If a Non-Viability Event (as defined herein) occurs, a Write-down (as defined herein) shall occur on the relevant Non-Viability Event Write-down Date (as defined herein), as more particularly described in Condition 10 (Write-down at the Point of Non-Viability). In suchcircumstances, the rights of the holders of the Capital Securities to payment of any amounts under or in respect of the Capital Securities shall,as the case may be, be cancelled or written-down pro rata among the holders of the Capital Securities. See “Risk Factors — The rights of theholders of the Capital Securities to receive repayment of the principal amount of the Capital Securities and the rights of the holders of theCapital Securities for any further profit may be written-down upon the occurrence of a Non-Viability Event”.

The Issuer may elect, and in certain circumstances shall be required, not to make any distribution falling due on the Capital Securities. AnyDistribution Payment Amounts not paid as aforesaid will not accumulate and the holder of the Capital Security shall not have any claim inrespect thereof.

The Capital Securities are undated and have no final maturity. Unless the Capital Securities have previously been redeemed or purchased andcancelled as provided in the Conditions, the Capital Securities may, at the option of the Issuer, subject to the prior approval of the CentralBank of Bahrain (the CBB), be redeemed at par (in whole but not in part) on the First Call Date or any Distribution Payment Date thereafter.In addition, the Capital Securities may, in the event of a Tax Event or Capital Event (each as defined in the Conditions), be redeemed (inwhole but not in part), subject to the prior approval of the CBB.

An investment in the Capital Securities involves certain risks. For a discussion of these risks, see “Risk Factors”.

The Capital Securities may only be offered, sold or transferred in registered form in minimum nominal amounts of U.S.$200,000 and integralmultiples of U.S.$1,000 in excess thereof. Delivery of the Capital Securities in book-entry form will be made on the Issue Date. The CapitalSecurities will be represented by interests in a global certificate in registered form (the Global Certificate) deposited on or about the IssueDate with, and registered in the name of a nominee for, a common depositary (the Common Depositary) for Euroclear Bank SA/NV(Euroclear) and Clearstream Banking, société anonyme (Clearstream, Luxembourg). Interests in the Global Certificate will be shown on, andtransfers thereof will be effected only through, records maintained by Euroclear and Clearstream, Luxembourg. Individual Certificates (asdefined in the Conditions) evidencing holdings of interests in the Capital Securities will be issued in exchange for interests in the GlobalCertificate only in certain limited circumstances described herein.

This Prospectus has been approved by the Central Bank of Ireland (the Central Bank) as competent authority under Directive 2003/71/EC, asamended (which includes the amendments made by Directive 2010/73/EU to the extent that such amendments have been implemented in arelevant Member State of the European Economic Area) (the Prospectus Directive). The Central Bank only approves this Prospectus as meetingthe requirements imposed under Irish and European Union law pursuant to the Prospectus Directive. Application has been made to the IrishStock Exchange plc (the Irish Stock Exchange) for the Capital Securities to be admitted to the official list (the Official List) and to tradingon its regulated market (the Main Securities Market). The Main Securities Market is a regulated market for the purposes of the Markets inFinancial Instruments Directive (Directive 2004/39/EC) (MiFID). References in this Prospectus to Capital Securities being listed (and all relatedreferences) shall mean that such Capital Securities have been admitted to the Official List and have been admitted to trading on the MainSecurities Market.

The Issuer has been assigned a long term foreign currency rating of A- (stable) and a short term foreign currency rating of A2 by CapitalIntelligence (Cyprus) Ltd (Capital Intelligence), a long term issuer default rating of BBB+ (stable) and a short term issuer default rating ofF-2 by Fitch Ratings Ltd. (Fitch) and a long term issuer rating of BBB+ (stable) and a short term issuer rating of A-2 (stable) by Standard &Poor’s Credit Market Services France S.A.S., a division of The McGraw-Hill Companies Inc. (Standard & Poor’s). Each of CapitalIntelligence, Fitch and Standard & Poor’s is established in the European Union and is registered under the Regulation (EC) No. 1060/2009 (asamended) (the CRA Regulation). As such each of Capital Intelligence, Fitch and Standard & Poor’s is included in the list of credit ratingagencies published by the European Securities and Markets Authority on its website (at http://www.esma.europa.eu/page/List-registered-and-certified-CRAs) in accordance with the CRA Regulation.

A rating is not a recommendation to buy, sell or hold securities and may be subject to suspension, reduction or withdrawal at anytime by the assigning rating agency.

Prospective investors are referred to the section headed “Restrictions on marketing and sales to retail investors” on page iv of this Prospectusfor information regarding certain restrictions on marketing and sales to retail investors.

The Capital Securities have not been, nor will be, registered under the United States Securities Act of 1933, as amended (the Securities Act)or with any securities regulatory authority of any state or other jurisdiction of the United States and may not be offered, sold or deliveredwithin the United States or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S under the Securities Act(Regulation S)) except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act andapplicable state securities laws. Accordingly, the Capital Securities may be offered or sold solely to persons who are not U.S. Persons outsidethe United States in reliance on Regulation S. Each purchaser of the Capital Securities is hereby notified that the offer and sale of CapitalSecurities to it is being made in reliance on the exemption from the registration requirements of the Securities Act provided by Regulation S.

Joint Lead Managers

Goldman Sachs International HSBC Morgan StanleyThe date of this Prospectus is 27 April 2015

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IMPORTANT NOTICE

This Prospectus comprises a prospectus for the purposes of the Prospectus Directive.

The Issuer accepts responsibility for the information contained in this Prospectus. To the best ofthe knowledge of the Issuer (having taken all reasonable care to ensure that such is the case), theinformation contained in this Prospectus is in accordance with the facts and does not omit anythinglikely to affect the import of such information.

Certain information contained in “Risk Factors – Political Considerations in Bahrain” and“Description of the Issuer – Economic and Banking Environment” (as indicated therein) has beenextracted from the following independent, third party sources: in the case of “Risk Factors –Political Considerations in Bahrain”, from the CBB monthly statistical bulletin, the website of theBICI (www.bici.org.bh), the website of the Bahrain News Agency (www.bna.bh) and the website ofthe Bahrain Information Affairs Authority (www.iaa.bh) and, in the case of “Description of theIssuer – Economic and Banking Environment”, the Central Banks of Bahrain, Kuwait, Oman, Egyptand Iraq, the Economist Intelligence Unit and the International Monetary Fund.

The Issuer confirms that all third party information contained in this Prospectus has beenaccurately reproduced and that, as far as it is aware and is able to ascertain from informationpublished by the relevant third party sources, no facts have been omitted which would render thereproduced information inaccurate or misleading.

The Joint Lead Managers have not independently verified the information contained herein.Accordingly, no representation, warranty or undertaking, express or implied, is made and noresponsibility or liability is accepted by the Joint Lead Managers as to the accuracy orcompleteness of the information contained or incorporated in this Prospectus or any otherinformation provided by the Issuer in connection with the issuance of the Capital Securities. NoJoint Lead Manager accepts any liability in relation to the information contained in this Prospectusor any other information provided by the Issuer in connection with the issuance of the CapitalSecurities.

No person is or has been authorised by the Issuer to give any information or to make anyrepresentation not contained in or not consistent with this Prospectus or any other informationsupplied in connection with the issuance of the Capital Securities and, if given or made, suchinformation or representation must not be relied upon as having been authorised by the Issuer orany of the Joint Lead Managers.

Neither this Prospectus nor any other information supplied in connection with the issuance of theCapital Securities: (a) is intended to provide the basis of any credit or other evaluation; or (b)should be considered as a recommendation by the Issuer or any of the Joint Lead Managers thatany recipient of this Prospectus or any other information supplied in connection with the issuanceof the Capital Securities should purchase any Capital Securities. Each investor contemplatingpurchasing any Capital Securities should make its own independent investigation of the financialcondition and affairs, and its own appraisal of the creditworthiness, of the Issuer. Neither thisProspectus nor any other information supplied in connection with the issuance of the CapitalSecurities constitutes an offer or invitation by or on behalf of the Issuer or any of the Joint LeadManagers to any person to subscribe for or to purchase any Capital Securities.

Neither the delivery of this Prospectus nor the offering, sale or delivery of any Capital Securitiesshall in any circumstances imply that the information contained herein concerning the Issuer iscorrect at any time subsequent to the date hereof or that any other information supplied inconnection with the issuance of the Capital Securities is correct as of any time subsequent to thedate indicated in the document containing the same. The Joint Lead Managers expressly do notundertake to review the financial condition or affairs of the Issuer during the life of the issuanceor to advise any investor in the Capital Securities of any information coming to their attention.

This Prospectus does not constitute an offer to sell or the solicitation of an offer to buy anyCapital Securities in any jurisdiction to any person to whom it is unlawful to make the offer or

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solicitation in such jurisdiction. The distribution of this Prospectus and the offer or sale of CapitalSecurities may be restricted by law in certain jurisdictions. The Issuer and the Joint LeadManagers do not represent that this Prospectus may be lawfully distributed, or that any CapitalSecurities may be lawfully offered, in compliance with any applicable registration or otherrequirements in any such jurisdiction, or pursuant to an exemption available thereunder, or assumeany responsibility for facilitating any such distribution or offering. In particular, no action has beentaken by the Issuer or the Joint Lead Managers which is intended to permit a public offering ofany Capital Securities or distribution of this Prospectus in any jurisdiction where action for thatpurpose is required. Accordingly, no Capital Securities may be offered or sold, directly orindirectly, and neither this Prospectus nor any advertisement or other offering material may bedistributed or published in any jurisdiction, except under circumstances that will result incompliance with any applicable laws and regulations. Persons into whose possession this Prospectusor any Capital Securities may come must inform themselves about, and observe, any suchrestrictions on the distribution of this Prospectus and the offering and sale of any CapitalSecurities. In particular, there are restrictions on the distribution of this Prospectus and the offer orsale of any Capital Securities in Hong Kong, the United States, the United Kingdom, Japan, theUnited Arab Emirates (excluding the Dubai International Financial Centre), the Dubai InternationalFinancial Centre, the Kingdom of Saudi Arabia, the Kingdom of Bahrain (Bahrain) and the Stateof Qatar (see “Subscription and Sale”).

This Prospectus includes forward-looking statements. All statements other than statements ofhistorical facts included in this Prospectus may constitute forward-looking statements. Forward-looking statements generally can be identified by the use of forward-looking terminology, such as“may”, “will”, “expect”, “intend”, “estimate”, “anticipate”, “believe”, “continue” or similarterminology. Although the Issuer believes that the expectations reflected in their forward-lookingstatements are reasonable at this time, there can be no assurance that these expectations will proveto be correct.

The Capital Securities may not be a suitable investment for all investors. Each potentialinvestor in the Capital Securities must determine the suitability of that investment in light ofits own circumstances. In particular, each potential investor may wish to consider, either on itsown or with the help of its financial and other professional advisers, whether it:

(a) has sufficient knowledge and experience to make a meaningful evaluation of the CapitalSecurities, the merits and risks of investing in the Capital Securities and the informationcontained in this Prospectus;

(b) has access to, and knowledge of, appropriate analytical tools to evaluate, in the context of itsparticular financial situation, an investment in the Capital Securities and the impact theCapital Securities will have on its overall investment portfolio;

(c) has sufficient financial resources and liquidity to bear all of the risks of an investment in theCapital Securities, including Capital Securities with principal or distributions payable in oneor more currencies, or where the currency for payments of principal or distributions isdifferent from the potential investor’s currency;

(d) understands thoroughly the terms of the Capital Securities and is familiar with the behaviourof any relevant indices and financial markets; and

(e) is able to evaluate possible scenarios for economic, distribution rate and other factors thatmay affect its investment and its ability to bear the applicable risks.

The Capital Securities are complex financial instruments. Sophisticated institutional investorsgenerally do not purchase complex financial instruments as stand-alone investments. They purchasecomplex financial instruments as a way to reduce risk or enhance yield with an understood,measured, appropriate addition of risk to their overall portfolios. A potential investor should notinvest in the Capital Securities unless it has the expertise (either alone or with a financial adviser)

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to evaluate how the Capital Securities will perform under changing conditions, the resulting effectson the value of the Capital Securities and the impact this investment will have on the potentialinvestor’s overall investment portfolio.

Legal investment considerations may restrict certain investments. The investment activities ofcertain investors are subject to legal investment laws and regulations, or review or regulation bycertain authorities. Each potential investor should consult its legal advisers to determine whetherand to what extent: (a) the Capital Securities are legal investments for it; (b) the Capital Securitiescan be used as collateral for various types of borrowing; and (c) other restrictions apply to itspurchase or pledge of any Capital Securities. Financial institutions should consult their legaladvisers or the appropriate regulators to determine the appropriate treatment of Capital Securitiesunder any applicable risk based capital or similar rules.

Restrictions on marketing and sales to retail investors

The Capital Securities are complex financial instruments and are not a suitable or appropriateinvestment for all investors. In some jurisdictions, regulatory authorities have adopted or publishedlaws, regulations or guidance with respect to the offer or sale of securities such as, or withfeatures similar to those of, the Capital Securities to retail investors.

By purchasing, or making or accepting an offer to purchase, any Capital Securities from the Issuerand/or the Joint Lead Managers, each prospective investor represents, warrants, agrees with andundertakes to the Issuer and each of the Joint Lead Managers that:

(a) it will not sell or offer the Capital Securities to retail clients in the European Economic Area(the EEA) (as defined in article (4)(1)(12) of MiFID) or do anything (including thedistribution of the Prospectus) that would or might result in the buying of the CapitalSecurities or the holding of a beneficial interest in the Capital Securities by a retail client inthe EEA, other than in relation to any sale or offer to sell Capital Securities to a retailclient in any EEA member state, where (i) it has conducted an assessment and concludedthat the relevant retail client understands the risks of an investment in the Capital Securitiesand is able to bear the potential losses involved in an investment in the Capital Securitiesand (ii) it has at all times acted in relation to such sale or offer in compliance with MiFIDto the extent it applies to it or, to the extent MiFID does not apply to it, in a manner whichwould be in compliance with MiFID if it were to apply to it; and

(b) it has complied and will at all times comply with all applicable laws, regulations andregulatory guidance (whether inside or outside the EEA) relating to the promotion, offering,distribution and/or sale of the Capital Securities, including any such laws, regulations andregulatory guidance relating to determining the appropriateness and/or suitability of aninvestment in the Capital Securities by investors in any relevant jurisdiction.

Where acting as agent on behalf of a disclosed or undisclosed client when purchasing, or makingor accepting an offer to purchase, any Capital Securities from the Issuer and/or the Joint LeadManagers, the foregoing representations, warranties, agreements and undertakings will be given byand be binding upon both the agent and its underlying client.

STABILISATION

In connection with the issue of the Capital Securities, HSBC Bank plc (the StabilisationManager) (or persons acting on behalf of the Stabilisation Manager) may over-allot CapitalSecurities or effect transactions with a view to supporting the market price of the Capital Securitiesat a level higher than that which might otherwise prevail. However, there is no assurance that theStabilisation Manager (or persons acting on behalf of a Stabilisation Manager) will undertakestabilisation action. Any stabilisation action or over-allotment may begin on or after the date onwhich adequate public disclosure of the terms of the offer of the Capital Securities is made and, ifbegun, may be ended at any time, but it must end no later than the earlier of thirty (30) days afterthe issue date of the Capital Securities and sixty (60) days after the date of the allotment of the

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Capital Securities. Any stabilisation action or over-allotment must be conducted by the StabilisationManager (or persons acting on behalf of any Stabilisation Manager) in accordance with allapplicable laws and rules.

NOTICE TO THE RESIDENTS OF THE KINGDOM OF SAUDI ARABIA

This Prospectus may not be distributed in the Kingdom of Saudi Arabia except to such persons asare permitted under the Offers of Securities Regulations issued by the Capital Market Authority ofthe Kingdom of Saudi Arabia (the Capital Market Authority).

The Capital Market Authority does not make any representations as to the accuracy orcompleteness of this Prospectus, and expressly disclaims any liability whatsoever for any lossarising from, or incurred in reliance upon, any part of this Prospectus. Prospective purchasers ofthe Capital Securities should conduct their own due diligence on the accuracy of the informationrelating to the Capital Securities. If a prospective purchaser does not understand the contents ofthis Prospectus they should consult an authorised financial adviser.

NOTICE TO THE RESIDENTS OF THE KINGDOM OF BAHRAIN

EACH POTENTIAL INVESTOR INTENDING TO SUBSCRIBE FOR ANY CAPITALSECURITIES (EACH, A POTENTIAL INVESTOR) MAY BE REQUIRED TO PROVIDESATISFACTORY EVIDENCE OF IDENTITY AND, IF SO REQUIRED, THE SOURCE OFFUNDS TO PURCHASE THE CAPITAL SECURITIES WITHIN A REASONABLE TIMEPERIOD DETERMINED BY THE ISSUER AND THE JOINT LEAD MANAGERS.PENDING THE PROVISION OF SUCH EVIDENCE, AN APPLICATION TO SUBSCRIBEFOR ANY CAPITAL SECURITIES WILL BE POSTPONED. IF A POTENTIAL INVESTORFAILS TO PROVIDE SATISFACTORY EVIDENCE WITHIN THE TIME SPECIFIED, ORIF A POTENTIAL INVESTOR PROVIDES EVIDENCE BUT NEITHER THE ISSUER NORTHE JOINT LEAD MANAGERS ARE SATISFIED THEREWITH, ITS APPLICATION TOSUBSCRIBE FOR ANY CAPITAL SECURITIES MAY BE REJECTED IN WHICH EVENTANY MONEY RECEIVED BY WAY OF APPLICATION WILL BE RETURNED TO THEPOTENTIAL INVESTOR (WITHOUT ANY ADDITIONAL AMOUNT ADDED THERETOAND AT THE RISK AND EXPENSE OF SUCH POTENTIAL INVESTOR). IN RESPECTOF ANY BAHRAINI POTENTIAL INVESTORS, THE ISSUER WILL COMPLY WITHBAHRAIN’S LEGISLATIVE DECREE NO. (4) OF 2001 WITH RESPECT TOPROHIBITION AND COMBATING OF MONEY LAUNDERING AND VARIOUSMINISTERIAL ORDERS ISSUED THEREUNDER INCLUDING, BUT NOT LIMITED TO,MINISTERIAL ORDER NO. (7) OF 2001 WITH RESPECT TO INSTITUTIONS’OBLIGATIONS CONCERNING THE PROHIBITION AND COMBATING OF MONEYLAUNDERING AND ANTI-MONEY LAUNDERING AND COMBATING OF FINANCIALCRIME MODULE CONTAINED IN THE CBB RULEBOOK, VOLUME 6.

THIS OFFER IS A PRIVATE PLACEMENT. IT IS NOT SUBJECT TO ALL OF THEREGULATIONS OF THE CBB THAT APPLY TO PUBLIC OFFERINGS OF SECURITIES.THIS PROSPECTUS IS THEREFORE INTENDED ONLY FOR “ACCREDITEDINVESTORS” AS DEFINED HEREIN. THE CAPITAL SECURITIES HEREBY OFFEREDBY WAY OF PRIVATE PLACEMENT ARE OFFERED IN MINIMUM DENOMINATIONSOF U.S.$200,000.

A COPY OF THIS PROSPECTUS HAS BEEN SUBMITTED AND FILED WITH THE CBB.FILING OF THIS PROSPECTUS WITH THE CBB DOES NOT IMPLY THAT ANYBAHRAINI LEGAL OR REGULATORY REQUIREMENTS HAVE BEEN COMPLIEDWITH. THE CBB HAS NOT IN ANY WAY CONSIDERED THE MERITS OF THESECURITIES TO BE OFFERED FOR INVESTMENT WHETHER IN OR OUTSIDE OFTHE KINGDOM OF BAHRAIN.

NEITHER THE CBB NOR THE LICENSED EXCHANGE ASSUMES RESPONSIBILITYFOR THE ACCURACY AND COMPLETENESS OF THE STATEMENTS ANDINFORMATION CONTAINED IN THIS PROSPECTUS AND EACH EXPRESSLY

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DISCLAIMS ANY LIABILITY WHATSOEVER FOR ANY LOSS HOWSOEVER ARISINGFROM RELIANCE UPON THE WHOLE OR ANY PART OF THE CONTENTS OF THISPROSPECTUS.

THE ISSUER ACCEPTS RESPONSIBILITY FOR THE INFORMATION CONTAINED INTHIS PROSPECTUS. TO THE BEST OF THE KNOWLEDGE OF THE ISSUER (HAVINGTAKEN ALL REASONABLE CARE TO ENSURE THAT SUCH IS THE CASE) THEINFORMATION CONTAINED IN THIS PROSPECTUS IS IN ACCORDANCE WITH THEFACTS AND DOES NOT OMIT ANYTHING LIKELY TO AFFECT THE IMPORT OFSUCH INFORMATION.

NOTICE TO RESIDENTS OF THE STATE OF QATAR

This Prospectus does not and is not intended to constitute an offer, sale or delivery of bonds orother debt financing instruments under the laws of the State of Qatar. The Capital Securities havenot been and will not be authorised by the Qatar Financial Markets Authority, the Qatar FinancialCentre Regulatory Authority or the Qatar Central Bank in accordance with their regulations or anyother regulations in the State of Qatar. The Capital Securities are not and will not be traded on theQatar Exchange.

PRESENTATION OF FINANCIAL INFORMATION

The Issuer prepared its audited consolidated financial statements for the years ended 31 December2014, 31 December 2013 and 31 December 2012 in accordance with International FinancialReporting Standards as issued by the International Accounting Standards Board (IFRS). TheIssuer’s selected historical consolidated financial data as at and for the years ended 31 December2014 and 31 December 2013 have been extracted from the audited consolidated financialstatements (including the related notes thereto), as at and for the year ended 31 December 2014.The Issuer’s selected historical consolidated financial data as at and for the year ended31 December 2012 have been extracted from the audited consolidated financial statements(including the related notes thereto), as at and for the year ended 31 December 2013 and are setout elsewhere in this Prospectus (collectively, the audited consolidated financial statements for theyears ended 31 December 2014 and 31 December 2013, the Consolidated Financial Statements).The Issuer adopted IFRS 9: Financial Instruments (IFRS 9) with effect from 1 January 2012.Based on the transitional provisions of IFRS 9, the new accounting standard was adoptedretrospectively and adjustments made to the consolidated balance sheet numbers as at 1 January2012, without requiring the restatement of the prior year numbers, as permitted by the standard.The transition to IFRS 9 resulted in the reclassification of financial instruments and an increase inthe equity attributable to the owners of the Issuer by U.S.$112.9 million as at 1 January 2012 asdetailed in Note 3.1 of the consolidated financial statements for the year ended 31 December 2012.Certain figures and percentages included in this Prospectus have been subject to roundingadjustments. Accordingly, figures shown in the same category presented in different tables mayvary slightly and figures shown as totals in certain tables may not be an arithmetic aggregation ofthe figures which precede them. In February 2013, the Group completed the sale of its 29.4 percent. shareholding in its associate, Ahli Bank Qatar. Accordingly, income from Ahli Bank Qatarthat was either classified as “share of profit from associates and joint venture” or “fees andcommission” for the year ended 31 December 2012 was reclassified as “gain/income relating toinvestment held for sale” in the comparative period of the consolidated financial statements for theyear ended 31 December 2013.

In this Prospectus, unless otherwise specified or the context otherwise requires, references to U.S.dollars, U.S.$, USD and United States dollars are to the lawful currency of the United States ofAmerica, its territories and possessions; references to BD, BHD and Bahrain dinars are to thelawful currency of Bahrain; references to ID, IQD and Iraqi dinars are to the lawful currency ofthe Republic of Iraq; references to KD, KWD and Kuwaiti dinars are to the lawful currency ofthe State of Kuwait; references to EGP and Egyptian pound are to the lawful currency of theArab Republic of Egypt; references to QR and QAR are to the lawful currency of the State ofQatar; and references to RO, OMR and Omani rial are to the lawful currency of the Sultanate ofOman.

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Translations of amounts from Bahrain dinars to U.S. dollars and Iraqi dinars to U.S. dollars in thisProspectus are solely for the convenience of the reader. The Bahrain dinar has been pegged to theU.S. dollar at a fixed exchange rate of 0.376 Bahrain dinars per U.S. dollar and, accordingly,unless otherwise indicated, translations of amounts from Bahrain dinars to U.S. dollars have beenmade at this exchange rate for all periods presented in this Prospectus. The exchange rate betweenthe Iraqi dinar and the U.S. dollar was, on 31 December 2014, U.S.$1.00 = IQD 1,166.

Such translations should not be construed as representing that Bahrain dinar and the Iraqi dinaramounts referred to in this Prospectus have been or could have been converted into United Statesdollars at this or any other rate of exchange.

The exchange rates used for various currencies are given below:

Profit & Loss Balance Sheet

For the For the For theyear ended year ended year ended As at As at As at

Equivalent per USD 31-Dec-14 31-Dec-13 31-Dec-12 31-Dec-14 31-Dec-13 31-Dec-12

KWD ................................ 0.285 0.284 0.280 0.293 0.282 0.281IQD .................................. 1,164 1,162 1,163 1,166 1,163 1,164EGP .................................. 7.092 6.899 6.093 7.150 6.939 6.365OMR ................................ 0.385 0.385 0.385 0.385 0.385 0.385QAR .................................. 3.640 3.640 3.640 3.640 3.640 3.640BHD .................................. 0.376 0.376 0.376 0.376 0.376 0.376LYD .................................. 1.221 1.262 1.254 1.197 1.234 1.262

CONTENTS

Page

RISK FACTORS.............................................................................................................................. 1

OVERVIEW OF THE ISSUANCE ............................................................................................ 18

TERMS AND CONDITIONS OF THE CAPITAL SECURITIES ...................................... 22

USE OF PROCEEDS .................................................................................................................... 43

DESCRIPTION OF THE ISSUER ............................................................................................ 44

SELECTED FINANCIAL INFORMATION .............................................................................. 83

TAXATION ...................................................................................................................................... 90

SUBSCRIPTION AND SALE ...................................................................................................... 93

GENERAL INFORMATION ........................................................................................................ 96

FINANCIAL INFORMATION .................................................................................................... F-1

RISK FACTORS

The Issuer believes that the following factors may affect its ability to fulfil its obligations underthe Capital Securities. All of these factors are contingencies which may or may not occur and theIssuer is not in a position to express a view on the likelihood of any such contingency occurring.

In addition, factors which are material for the purpose of assessing the market risks associatedwith the Capital Securities are also described below.

The Issuer believes that the factors described below represent the principal risks inherent ininvesting in the Capital Securities, but the inability of the Issuer to pay interest, principal or otheramounts on or in connection with any Capital Securities may occur for other reasons and theIssuer makes no representation that the statements below regarding the risks of holding anyCapital Securities are exhaustive. Prospective investors should also read the detailed informationset out elsewhere in this Prospectus and reach their own views prior to making any investmentdecision.

Words and expressions defined in “Terms and Conditions of the Capital Securities” shall have thesame meanings in this section.

Factors that may affect the Issuer’s ability to fulfil its obligations under or in connection withthe Capital Securities

Economic, Political and Related Considerations

The Issuer is a bank, headquartered in the Kingdom of Bahrain (Bahrain), which is primarilyfocused on the financial markets of the six countries of the Gulf Cooperation Council (GCC),particularly Bahrain, Kuwait and Oman. The Issuer also has operations in Egypt, Iraq, Libya andthe United Kingdom. A significant part of the Issuer’s assets are located within the GCC, includingthe majority of its loan assets and deposit base. The Issuer has implemented various strategies tomitigate the impact of the political and social unrest in the Middle East and North Africa region(MENA) during 2011, popularly termed the “Arab Spring” (see further “Political considerationsrelating to the countries in which the Issuer operates” below).

However, there can be no assurance that the Issuer’s financial performance can be sustained in thefuture, or that growth and stability in the Issuer’s main markets will continue. Investors should alsonote that the Issuer’s business and financial performance could be adversely affected by political,economic and related risks both within and outside the GCC and the wider MENA. Any or all ofthe GCC countries could be further adversely affected by a worsening of general economicconditions in the global markets in which it operates. In addition, changes in investment markets,including changes in interest rates, exchange rates and returns from equity, property and otherinvestments, or a decrease in demand for oil and gas, or a sustained period of low oil prices mayalso adversely affect the economies of the GCC countries in which the Issuer operates, whichcould in turn affect the ability of the Issuer to perform its obligations in respect of the CapitalSecurities.

Ongoing Challenging Environment

Since the second half of 2007, disruptions in global capital and credit markets, coupled with there-pricing of credit risk and the deterioration of the real estate markets in the United States,Europe, Bahrain, the other countries of the GCC and elsewhere, have created difficult conditions inthe financial markets. These conditions have resulted in historically high levels of volatility acrossmany markets (including capital markets) and the failure of a number of financial institutions inthe United States and Europe. Further market disruption may be caused by certain Europeancountries experiencing debt servicing problems. Regional disturbances, such as localised creditfailures and the “Arab Spring”, have also affected the financial markets in the MENA region.

The countries of the GCC were affected by the global financial crisis in the second half of 2007;however, the most significant adverse effects only impacted the region in the second half of 2008.Since then, there has been a significant slowdown or reversal of the high growth rates that had

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been experienced by many countries within the GCC. Consequently, certain sectors of the GCCeconomy that had benefited from the high rate of growth, such as real estate, construction andfinancial institutions, have been materially adversely affected by the crisis.

In response to the global financial crisis, governments and regulators in the GCC countries,Europe, the United States and other jurisdictions enacted legislation and took measures intended tohelp stabilise the financial system and increase the flow of credit to their economies. Thesemeasures included recapitalisation through the purchase of securities issued by financial institutions(including ordinary shares, preferred shares and other hybrid or quasi-equity instruments),guarantees by governments of debt issued by financial institutions and government-sponsoredmergers and acquisitions of and divestments by financial institutions. There can be no assurancethat any or all of these measures will continue to positively affect volatility and credit availabilityor that governments will continue to support recovery in this way.

Although growth has returned to certain global and MENA markets, investors should note that acontinuation or worsening of current financial market conditions could lead to further decreases ininvestor and consumer confidence, further market volatility, further economic disruption and, as aresult, this could have an adverse effect on the business, results of operations, financial conditionand prospects of the Issuer irrespective of steps currently taken to control these risks adequately.

Since mid-2014, international oil prices have fallen significantly, with the monthly average price ofthe OPEC reference basket falling from U.S.$105.61 in July 2014 to a low of U.S.$44.38 inJanuary 2015. On 9 April 2015, the OPEC reference basket price was U.S.$53.52. A sustained lowoil price environment may potentially adversely impact the economic growth in the key markets inthe GCC in which the issuer operates in 2015, which could materially adversely affect many of theIssuer’s borrowers and contractual counterparties. This, in turn, could adversely affect the Issuer’sbusiness, financial condition, results of operations and prospects, in particular through increasedprovisions for credit losses and reduced demand for loans and other banking services.

Emerging markets

The majority of the Issuer’s operating markets are emerging markets. Investors in emerging marketsshould be aware that these markets are subject to greater risks than more developed markets,including, in some cases, significant legal, economic and political risks. Accordingly, investorsshould exercise particular care in evaluating the risks involved in investing in the Capital Securitiesand must decide for themselves whether, in light of those risks, their investment is appropriate.Generally, investment in emerging markets is only suitable for sophisticated investors who fullyappreciate the significance of the risk involved.

Political considerations relating to the countries in which the Issuer operates

The Issuer has operations in Bahrain, Kuwait and Oman in the GCC, and in Egypt, Iraq, Libyaand the United Kingdom. Any political disturbances leading to turbulence in the financial marketsin these countries may have an adverse impact on the operations and profitability of the Issuer. Ofthese key markets, Bahrain and Egypt were primarily impacted by protests against the governmentsthroughout the MENA region, termed as the “Arab Spring”. Libya, albeit a less material market forthe Issuer, was also impacted by the “Arab Spring” and is witnessing continued civil unrest. Morerecently, Iraq and Libya have been impacted by an insurgency led by the terrorist group “IslamicState of Iraq and Al-Sham (ISIS)” (see further “Political Considerations in Iraq” and “PoliticalConsiderations in Libya” below).

Political Considerations in Bahrain

Protests against the Bahrain Government were held during February and March 2011. On 16 March2011, His Majesty, King Hamad bin Isa Al Khalifa of Bahrain issued Royal Decree No. 18 of2011, declaring a “State of National Safety” for three months, which was scheduled to end on15 June 2011. The provisions of the Royal Decree No. 18 included, amongst other things,measures aimed at maintaining security and public order, regulating public meetings and prohibiting

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gatherings of people if they were deemed a threat to public order or national security. On 1 June2011, ahead of the scheduled date, His Majesty declared an end to the “State of National Safety”with the goal of encouraging national dialogue and reconciliation.

The Bahrain Independent Commission of Inquiry (the BICI) was established by Royal Order inJune 2011. The BICI was assigned the task of reporting on the protests in February and March2011 and their aftermath. The BICI produced its report on 23 November 2011, setting out adetailed narrative regarding the events that had taken place and presented a series ofrecommendations involving comprehensive, structural reform and a process of nationalreconciliation. The government pledged to implement the BICI recommendations in their entirety. Ahigh-level National Commission was formed to monitor and oversee the government’s progress inimplementing the BICI recommendations. Its report dated 20 March 2012 found that thegovernment had made substantial progress towards fully implementing the BICI recommendations.

In December 2013, the government issued a follow up-report outlining the further implementationof the BICI recommendations. The report stated that, as at December 2013, 19 recommendationswere fully implemented and the government had begun work to implement the remaining sevenrecommendations. The government published a further follow-up report in February 2014 thatconcluded that the government had implemented the majority of the BICI recommendations;however, the extent to which the recommendations have been implemented has been disputed.

Elections for the National Assembly were held in November 2014. Talks between the governmentand opposition aimed at reaching a political compromise ahead of the elections were unsuccessfuland the opposition boycotted the elections. There continues to be unrest with protests beingreported in February 2015 and the possibility of future protests cannot be ruled out.

The Issuer’s operations were unaffected during the unrest in Bahrain, except for one working day,while it met all of its settlement obligations by implementing its Business Continuity Planningframework. Any future unrest in Bahrain or the wider MENA could have an adverse effect on thebusiness, results of operations, financial condition and prospects of the Issuer irrespective of stepscurrently taken to control these risks adequately.

Political Considerations in Egypt

Protests against President Hosni Mubarak of Egypt began in January 2011 and led to Mubarak’sresignation on 11 February 2011. Political power was handed over to the Supreme Council of theArmed Forces (SCAF) which led to the dissolution of parliament and the suspension of theconstitution.

The Central Bank of Egypt (CBE) ordered all banks in Egypt to remain closed from 30 January2011 to 3 February 2011 and from 14 February 2011 to 17 February 2011. Further, reducedopening hours for banks were decreed from 6 February 2011 to 10 February 2011. The Issuercomplied with the CBE directive, resulting in operations being disrupted during this period. Normaloperations resumed from 20 February 2011.

Egypt experienced continued political uncertainty and instability over the course of 2012.Presidential elections were held in June 2012 and were won by the Freedom and Justice Partycandidate, Mohammed Morsi, who took office on 30 June 2012. On 22 November 2012, PresidentMorsi issued a decree which tasked a constitutional assembly with drafting a new constitution. Thisdecree sparked protests leading the president to rescind the majority of the decree on 20 December2012. The new constitution was approved by parliament on 30 November 2012 and it was signedinto law by President Morsi on 26 December 2012.

On 3 July 2013, protests calling for President Morsi’s immediate resignation culminated in thedeposition of President Morsi by the Egyptian army and the suspension of the Egyptianconstitution. The Egyptian army appointed the head of the Supreme Constitutional Court, ChiefJustice Adly Mansour, as Interim President. These events led to an escalation in protests and

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violence by both pro and anti Morsi factions. After two successive interim governments in the firstquarter of 2014, presidential elections were conducted in May 2014. Abdel Fatah el-Sisi, formerEgyptian Defence Minister was elected President.

The High Elections Committee (the body responsible for conducting parliamentary elections inEgypt) announced in January 2015 that the parliamentary election will take place over two stagesin March and April 2015. The successful staging of the election is a prerequisite to furthernegotiations with the IMF over a proposed credit facility.

The challenges faced during the transition period, together with the incidents of social and politicalunrest and violence in Egypt and across the MENA region, have had a significant adverse effecton the Egyptian economy and there can be no assurance that further incidents of political or socialinstability, terrorism, protests or violence will not directly or indirectly affect Egypt and itseconomy.

Although as at 31 December 2014, the Issuer’s operations had not suffered any material adverseeffect as a consequence of these events, any future uncertainty in the Egyptian political situationmay have a negative impact on the Issuer’s operations in Egypt.

Political Considerations in Iraq

ISIS is a terrorist group whose main operations are in Syria and Iraq, among other states. InAugust/September 2014 the United States of America and certain of its western allies, with co-operation from various Arab allies, launched an air campaign against ISIS. The effect of the strikesto the capabilities of ISIS is unknown and as at 31 December 2014, ISIS still held large parts ofNorth Eastern Iraq.

The incidents of social and political unrest, terrorism and violence in Iraq have had an adverseeffect on the Iraqi economy and there can be no assurance that ISIS will be defeated by thecurrent military campaign.

The Issuer’s operations in Iraq are conducted through its branch network in Baghdad and Basra,which have not been directly impacted by the ISIS threats. The Issuer does not anticipate anymaterial adverse impact on its financial position from political developments in Iraq as Iraqcontributes less than 2 per cent. of the Issuer’s consolidated profit. Moreover, 96.6 per cent. ofIssuer’s total assets in Iraq are held in the form of cash and cash equivalents or governmentsecurities, reducing volatility in the Issuer’s performance in Iraq.

Political Considerations in Libya

It has been widely reported in the media that ISIS is steadily advancing its operations in Libya,facilitated by the current political turmoil in the country. ISIS now controls the Libyan cities ofDarna and Sirte, and has carried out suicide bombings and attacks on civilians across the rest ofthe country. In February/March 2015, ISIS launched a series of attacks on Libya’s oil fields,forcing the state-run oil corporation to declare 11 fields non-operational and causing oil productionto drop to approximately 25 per cent. of normal levels. These incidents of terrorism and violenceare highly likely to have an adverse effect on the Libyan economy.

Any continued and future unrest in Libya may have a negative impact on the Issuer’s operations inLibya.

The GCC may enter into a monetary union

There is the possibility that Bahrain, the State of Kuwait, the Kingdom of Saudi Arabia and theState of Qatar may each abandon their respective national currencies in favour of a single GCCcurrency within the next few years. If a single GCC currency is adopted, the necessaryconvergence of laws, policies and procedure will bring significant changes to the economic andpolitical infrastructure in each of the GCC states. As yet, there has been no announcement of anofficial timetable for the progression of monetary union and there are currently no details of new

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legislation or policies. Investors should, however, be aware that new legislation and any resultingshift in policy and procedure in Bahrain could affect the ability of the Issuer to perform itsobligations under the Capital Securities.

Ownership and Legal Status

As at 31 December 2014, the Government of Kuwait, through the Public Institution for SocialSecurity (PIFSS), and Wafra International Investment (a wholly-owned subsidiary of PIFSS), own18.93 per cent. of the Issuer’s ordinary shares, Social Insurance Organisation, Bahrain (an amalgamof the Pension Fund Commission and the General Organisation for Social Insurance) owns 9.99 percent., Tamdeen Investment Company (the investment vehicle of certain private Kuwaiti investors)owns 7.62 per cent. and International Financial Corporation along with the IFC Capitalization(Equity) Fund LP owns 5.16 per cent. Other key institutional shareholders include Global Express(Bahrain) with 3.99 per cent. ownership, Kuwait Insurance Company (Kuwait) with 2.34 per cent.ownership and General Retirement & Pension Authority (Qatar) with 1.09 per cent. ownership.There can be no assurance however that the Issuer’s shareholders will continue to maintain theexisting levels of their ownership of the shares of the Issuer.

The Governments of Bahrain and Kuwait do not explicitly or implicitly guarantee the financialobligations of the Issuer, nor do they have any obligation to provide any support or additionalfunding for the Issuer’s future operations. The Governments may sell their shareholding in theIssuer to third parties and may cease to do business with the Issuer, including maintaining deposits.This may impact the Issuer’s ability to provide funding for its operations and may cause significantliquidity stress.

Risks Related to the Issuer’s Business

In the course of its business activities, the Issuer is exposed to a variety of risks, the mostsignificant of which are credit risk, market risk, operational risk, liquidity risk and concentrationrisk (each of which is described below). Investors should note that any failure to adequatelycontrol these risks could result in adverse effects on the business, results of operations, financialcondition and prospects of the Issuer.

Credit Risk

Risks arising from adverse changes in the credit quality and recoverability of loans and amountsdue from counterparties are inherent in a wide range of the Issuer’s businesses, principally in itslending and investment activities. Credit risks could arise from a deterioration in the credit qualityof specific borrowers, issuers and counterparties of the Issuer, or from a general deterioration inlocal or global economic conditions, or from systematic risks within financial systems. Such creditrisks could affect the recoverability and value of the Issuer’s assets and require an increase in theIssuer’s provisions for the impairment of loans, securities and other credit exposures.

The markets in which the Issuer operates, including the GCC economies, have been negativelyaffected by the global economic slowdown, which has impacted the various key industry sectorsincluding manufacturing, trade, tourism and real estate. As a result of these recent adverse marketconditions, certain of the Issuer’s customers to whom credit facilities have been extended by theIssuer have experienced, and may continue to experience, decreased revenues, financial losses,difficulty in obtaining financing, increased funding costs and problems servicing their debtobligations as they become due. Accordingly, the Issuer may experience a higher level of creditdefaults (including impaired loans and consequential rise in the charge for doubtful loans andadvances) in the future, which could have a material adverse effect on its results of operations.

Market Risk

The most significant market risks to which the Issuer is exposed are interest rate, foreign exchangeand bond and equity price risks associated with its trading, investment and asset and liabilitymanagement activities. The Issuer’s major markets, including Bahrain, Kuwait, Oman and theUnited Kingdom have free market economies, with no restrictions on capital movements, foreignexchange, foreign trade or foreign investment. However, changes in interest rate levels, yield curves

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and spreads may affect the interest rate margin realised between the Issuer’s lending andinvestment activities and its borrowing costs, and the values of assets that are sensitive to interestrate and spread changes. Changes in foreign exchange rates may affect the values of assets andliabilities denominated in foreign currencies and the income from foreign exchange dealing.Changes in bond and equity prices may affect the value of the Issuer’s investment and tradingportfolios. A worsening of current financial market conditions could cause further market volatilityand further economic disruption. It is difficult to predict changes in economic and marketconditions accurately and to anticipate the effects that such changes could have on the Issuer’sfinancial performance and business operations.

Operational Risk

The Issuer faces the risk of losses resulting from fraud, errors by employees, failure to documenttransactions properly or to obtain proper internal authorisation, failure to comply with regulatoryrequirements and conduct of business rules, systems and equipment failures, natural disasters or thefailure of external systems (for example, those of the Issuer’s counterparties or vendors). Althoughthe Issuer has implemented risk controls and loss mitigation strategies under its Operational RiskSelf-Assessment regime, and substantial resources are devoted to developing efficient proceduresand to staff training, it is not possible to eliminate each of the operational risks entirely. TheIssuer is therefore exposed to operational risk that could negatively impact its business and resultsof operations.

Notwithstanding anything in this risk factor, this risk factor should not be taken as implying thatthe Issuer will be unable to comply with its obligations as a company with securities admitted toa regulated stock exchange.

Liquidity Risk

Liquidity risk could arise from the inability of the Issuer to anticipate and provide for unforeseendecreases or changes in funding sources which could have adverse consequences on the Issuer’sability to meet its obligations when they fall due.

The Issuer obtains its funding from diverse retail and wholesale sources, primarily from non-bank/financial institution depositors in the GCC, Egypt and the United Kingdom, as well as fromthe inter-bank market and term financing facilities. As at 31 December 2014, 75.6 per cent. of itstotal liabilities were derived from the GCC, comprising primarily of customer and inter-bankdeposits. Whilst the high proportion of deposits from GCC sources may protect the Issuer fromany sudden change in international sentiment towards the MENA region, it nevertheless contributesto the risk of a geographically concentrated depositor base. A failure to diversify the Issuer’sdepositor base beyond the MENA region could expose the Issuer to potential economic, politicaland cultural changes in that area which, in turn, could have a material adverse effect on thebusiness, results of operations, financial condition and prospects of the Issuer.

Concentration Risk

Concentrations in the loan/financing receivables and deposit portfolio of the Issuer subject it torisks from default by its larger borrowers, from exposure to particular industry sectors and fromthe withdrawal of any large deposits. The loans and receivables portfolio of the Issuer showsindustry and borrower concentration.

The ten largest private sector borrowers (which excludes those borrowers which are either whollyor majority owned by the Government) represented 12.3 per cent. of its total gross loans andadvances as at 31 December 2014. As at 31 December 2014, the Issuer’s largest funded exposureto a private sector borrower group, including connected exposures, was U.S.$377 million, whichconstituted 2.0 per cent. of its total gross loans and advances as at 31 December 2014.

In terms of the industry concentration of the loans and advances of the Issuer and its network ofsubsidiaries, as at 31 December 2014, banks and other financial institutions accounted for 5.5 percent., consumer/personal loans and advances accounted for 18.7 per cent., real estate loans andadvances accounted for 24.8 per cent., trading and manufacturing loans and advances accounted for

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22.4 per cent., services loans and advances accounted for 16.7 per cent., government/public sectorloans and advances accounted for 1.4 per cent. and residential mortgages accounted for 9.1 percent. (of which 69 per cent. is accounted for in the United Kingdom).

As at 31 December 2014, banks and other financial institutions accounted for 15.8 per cent. of theIssuer’s total deposits and customers’ deposits accounted for 81.0 per cent. with the remaining 3.2per cent. coming from borrowings under repurchase agreements (Repo). The Issuer’s fundingbenefits from a wide and diversified deposit base, albeit skewed toward corporations, and largeshareholder deposits. Most depositors are longstanding clients, and the largest are GCC quasi-government entities. Although the Issuer considers that it has adequate access to sources offunding, the withdrawal of a significant portion of these large deposits may have an adverse effecton its financial condition or results of operations. A downturn in the financial condition orprospects of any of the Issuer’s depositors, or in the sectors in which they operate, could have amaterial adverse effect on the financial condition or results of operations of the Issuer.

Depositor concentration

As at 31 December 2014, 24.4 per cent. of customers’ deposits were deposits from GCCgovernment-owned institutions which have been shareholders of the Issuer since its incorporation(as compared with 28.5 per cent. as at 31 December 2013). These deposits have historically beenmaintained in a diverse range of accounts with the Issuer and its network of subsidiaries, and theIssuer understands these deposits to comprise the institutions’ funds for investment in the bankingsector in the GCC. Whilst the Issuer considers that it currently has adequate access to variousfunding sources (including, amongst other things, tested ability and capacity to carry out Repotransactions as part of ongoing liquidity management, and a diversified customer deposit baseamongst the Corporate Banking, Treasury and Investments and Retail Banking Divisions), thewithdrawal of all or a significant portion of such deposits may result in a material adverse effecton the business, results of operations, financial condition and prospects of the Issuer.

Real Estate Exposure

As at 31 December 2014, the Issuer’s total real estate exposures (excluding residential mortgages)amounted to 14.7 per cent. of total assets (U.S.$4.92 billion). These are mostly secured by incomeproducing properties and the portfolio’s average loan-to-value ratio at the end of December 2014was 57 per cent. Real estate prices in most of the markets in which the Issuer operates havegenerally declined since 2009, with a gradual recovery noted during 2013, which has continued todate in 2015, reflecting the slowdown in economic growth as well as uncertainty and loweravailability of credit. These factors have also led to a significant slowdown in the constructionsector in the markets in which the Issuer operates. Economic and other factors could lead tocontraction in the residential mortgage and commercial lending market and to further decreases inresidential and commercial property prices.

Strategic Risks

The Issuer is exposed to strategic risks in the markets in which it operates. The Issuer’s businessstrategy involves growth through acquisitions in target markets in the GCC and the MENA region(see “Business Description of the Issuer – Strategy”). The execution of this strategy is dependenton regional regulations and the central banks of the countries in which the Issuer wishes toexpand. The implementation of this strategy may be impacted due to regulatory restrictions orrefusals to grant approvals to the Issuer for the acquisitions, participation in capital increases andother related transactions.

Furthermore, in addition to the normal business and related risks associated with organic expansion,when suitable opportunities present themselves and the Issuer decides to make acquisitions, thismay entail additional risks, including in respect of the integration of such acquisitions. While theIssuer seeks to mitigate these risks by completing a detailed expansion opportunity analysis andcommissioning due diligence reviews as well as inserting the necessary conditions precedent in anyacquisition agreement, there is no guarantee that such mitigation will be effective. A failure on the

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Issuer’s part to manage its future growth efficiently and effectively could have a material adverseeffect on the business, results of operations, financial condition and prospects of the Issuer andthereby affect its ability to make payments in respect of the Capital Securities.

Competition

The Issuer faces high levels of competition for all of its products and services, particularly withrespect to retail banking. It competes with other domestic banks in Bahrain, Kuwait and the othermarkets in which it operates, and such competition may increase. In addition to domestic banks,international banks are also increasing their presence in the GCC, either directly or throughstrategic investments, and compete with the Issuer for its wholesale corporate and governmentclients. The competitive nature of the GCC banking market and the Issuer’s potential failure tocontinue to compete successfully may adversely affect its business, financial condition, results ofoperations or prospects.

Regulation and the Impact of Regulatory Changes

The Issuer is subject to the laws, regulations, administrative actions and policies in each of theGCC countries in which it operates and in Egypt, Iraq, Libya and the United Kingdom. Theseregulations may limit the Issuer’s activities. Changes in supervision and regulation, in particular inthe GCC countries in which it operates, could have a material adverse effect on the Issuer’sbusiness, the products or services it is able to offer, the value of its assets and its financialcondition. In particular, changes in the regulation or policy by the CBB may affect the largeexposure limits, reserves, provisions, impairment allowances and other applicable ratios (includingthe minimum capital adequacy ratio) of banks in Bahrain. Furthermore, non-compliance withregulatory guidelines could expose the Issuer to potential liabilities, fines and other sanctions thatcould potentially affect the Issuer’s operations or ability to operate. Although the Issuer worksclosely with its regulators and continually monitors the regulatory environment in which it operates,future changes in regulation, fiscal or other policies which materially adversely affect the Issuer’sbusiness, the value of its assets and its financial condition cannot be predicted and are beyond thecontrol of the Issuer.

The Issuer’s ability to grow within its existing markets could be impacted if it is unable tomaintain or obtain required licences, permits, approvals and consents.

Changes in Accounting Policies

The Issuer is mandatorily required to present and issue its Consolidated Financial Statements incompliance with IFRS. Any potential future changes to accounting policies or reclassificationscould have a material adverse effect on the financial condition or results of operation of the Issuer.

If the Issuer is unable to retain key members of its senior management and/or hire newqualified personnel in a timely manner, this could have an adverse effect on the business of theIssuer

The Issuer’s ability to maintain and grow its business will depend, in part, on its ability tocontinue to recruit and retain qualified and experienced banking and management personnel. TheIssuer may face challenges in recruiting qualified personnel to manage its business. In commonwith other banks in Bahrain, the Issuer experiences a shortage of qualified employees residing inBahrain, which requires it to recruit from outside of Bahrain. In addition, even after hiring itsemployees, the Issuer may face challenges in retaining such employees due to the continuedrecruitment efforts of its competitors.

For the years ended 31 December 2014, 2013 and 2012, the Issuer experienced employee attritionrates of approximately 11 per cent., 13 per cent. and 12 per cent., respectively. Additionally, if theIssuer continues to grow, it will need to continue to increase its number of employees.

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While the Issuer believes that it has effective staff recruitment, training and incentive programmesin place, its failure to recruit, train and/or retain necessary personnel or its inability to dismisscertain employees could have a material adverse effect on the business, results of operations,financial condition and prospects of the Issuer.

Factors which are material for the purpose of assessing the risks associated with the CapitalSecurities

The Capital Securities are subordinated and unsecured obligations of the Issuer

Prospective investors should note that the payment obligations of the Issuer under the Conditionsare subordinated to the Senior Obligations (as defined in the Conditions), rank pari passu with thePari Passu Obligations (as defined in the Conditions) and rank in priority only to all JuniorObligations (as defined in the Conditions). Accordingly, the payment obligations of the Issuer underthe Conditions rank junior to all unsubordinated payment obligations of the Issuer (includingdepositors of the Issuer in respect of their due claims) and all subordinated payment obligations ofthe Issuer to which the payment obligations under the Conditions rank or are expressed to rankjunior, and pari passu with all subordinated payment obligations of the Issuer which rank or areexpressed to rank pari passu with the payment obligations under the Conditions.

Further, the payment obligations of the Issuer under the Conditions are unsecured and no collateralis or will be given by the Issuer in relation thereto.

A holder of the Capital Securities may exercise its enforcement rights in relation to the CapitalSecurities only in the manner provided in Condition 12 (Enforcement Events). If the Issuer werewound up, liquidated or dissolved, the Issuer’s liquidator would apply the assets of the Issuer tosatisfy all claims of creditors in respect of Senior Obligations in priority to the claims of theholders of the Capital Securities and pari passu with creditors whose claims are in respect of PariPassu Obligations. In such case, there may not be sufficient assets to satisfy the claims of theholders of the Capital Securities in full.

No limitation on issuing senior securities; subordination

Other than the limitations in relation to the issue of further Tier 1 Capital (as defined in theConditions) by the Issuer as set out in Condition 4.3 (Status, Subordination – Other Issues) whichlimits the circumstances in which Tier 1 Capital of the Issuer can be issued that ranks senior tothe Capital Securities, there is no restriction on the Issuer incurring additional indebtedness or onissuing securities or creating any guarantee or contractual support arrangement which would ranksenior to the Capital Securities. The issue of or the creation of any such Senior Obligations (asdefined in the Conditions) may reduce the amount recoverable by holders of the Capital Securitieson a winding-up of the Issuer. Accordingly, in the winding-up of the Issuer and after payment ofthe claims of creditors in respect of Senior Obligations, there may not be a sufficient amount tosatisfy the amounts owing to the holders of the Capital Securities. See also “– The CapitalSecurities are subordinated and unsecured obligations of the Issuer”.

Payments of Distribution Payment Amounts are conditional upon certain events and may becancelled and are non-cumulative

No Distribution Payment Amounts are payable if either a Non-Payment Event (as defined below)or a Non-Payment Election occurs (as defined in the Conditions).

Pursuant to Condition 6.2 (Distribution Restrictions – Non-Payment Election), in the event of aNon-Payment Election, the Issuer may not make payment of a Distribution Payment Amount toholders of the Capital Securities on the corresponding Distribution Payment Date.

In each of the following events (each, a Non-Payment Event), distributions shall not be paid onany Distribution Payment Date:

(a) the distributions payable, when aggregated with any distributions payable by the Issuer onany Pari Passu Obligations (as defined in the Conditions) and having the same dates in

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respect of payment of such distributions payable as the dates for distributions under theCapital Securities, exceeds, on the relevant date for distributions, the Issuer’s DistributableProfits;

(b) the Issuer is, on that Distribution Payment Date, in breach of the Applicable RegulatoryCapital Requirements (including any capital buffers imposed on the Issuer by the Regulator)or payment of the relevant distribution would cause it to be in breach thereof;

(c) the Regulator requires that distributions due on that Distribution Payment Date shall not bepaid; or

(d) the commencement of the forced liquidation of the Issuer for the purposes of Article 156 ofThe Central Bank of Bahrain and Financial Institutions Law, Decree Law No. 64/2006 (asmay be amended, superseded or replaced from time to time.)

In the event of a Non-Payment Event or a Non-Payment Election, certain restrictions on declarationof dividends and redemption of certain securities by the Issuer will be made in accordance withCondition 6.4 (Distribution Restrictions – Dividend and Redemption Restrictions). However, theholders of the Capital Securities shall have no claim in respect of any Distribution PaymentAmount not paid as a result of either a Non-Payment Election or a Non-Payment Event and theconsequential non-payment of any Distribution Payment Amount in such a circumstance shall notconstitute an event of default. The Issuer shall not have any obligation to make any subsequentpayment in respect of any such unpaid amount.

In such case, the holders of the Capital Securities will not receive Distribution Payment Amountson their investment in the Capital Securities and shall not have any claim in respect thereof.

Perpetual Securities

The Capital Securities are perpetual securities which have no scheduled repayment date. Holders ofthe Capital Securities have no ability to require the Issuer to redeem their Capital Securities unlessan Enforcement Event (as defined in the Conditions) occurs. The Issuer has the option to redeemthe Capital Securities in certain circumstances as more particularly described in Condition 9(Redemption and Variation), although there is no assurance that it will do so.

This means that the holders of the Capital Securities have no ability to cash in their investment,except:

(a) if the Issuer exercises its rights to redeem the Capital Securities in accordance withCondition 9 (Redemption and Variation);

(b) upon the occurrence of an Enforcement Event; or

(c) by selling their Capital Securities.

There can be no assurance that holders of the Capital Securities will be able to reinvest theamount received upon redemption at a rate that will provide the same rate of return as theirinvestment in the Capital Securities.

Basel regulatory framework as implemented in Bahrain may have an effect on the CapitalSecurities

The Basel Committee on Banking Supervision (the Basel Committee) has put forward a number offundamental reforms to the regulatory capital framework for internationally active banks. On16 December 2010 and on 13 January 2011, the Basel Committee issued guidance on theeligibility criteria for Tier 1 and Tier 2 capital instruments as part of a package of new capital andliquidity requirements intended to reinforce capital standards and to establish minimum liquiditystandards for credit institutions (Basel III). The international implementation of the Basel IIIreforms began on 1 January 2013; however, the requirements are subject to a series of transitionalarrangements that will be phased in over a period of time. The Basel Committee’s press release

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dated 13 January 2011 entitled “Minimum requirements to ensure loss absorbency at the point ofnon-viability” (the January 2011 Press Release) included an additional qualification requirementfor Tier 1 and Tier 2 capital instruments under Basel III.

This requirement (the Non-Viability Requirement) requires contractual or legislative termsproviding for, at the option of the relevant authority, the writing-off of the principal amount of Tier1 instruments or the conversion of such Tier 1 instruments into ordinary shares upon theoccurrence of the earlier of: (a) a decision that a write-off, without which the relevant bank wouldbecome non-viable, is necessary; and (b) the decision to make a public sector injection of capital,without which the relevant bank would become non-viable, in each case as determined by therelevant authority (a Non-Viability Event). This definition is for illustrative purposes only and maynot necessarily reflect the meaning ascribed to the term “Non-Viability Event” (or any termequivalent thereto) pursuant to any law or regulation implementing Basel III in Bahrain.

The January 2011 Press Release states that instruments issued after 1 January 2013 must meet theNon-Viability Requirement in order to be recognised as Tier 1 or Tier 2 instruments for regulatorycapital purposes.

In August 2014, the CBB published the final version of Module CA of the CBB Rulebook settingout the proposed implementation of Basel III in Bahrain (Module CA) which came into force inJanuary 2015.

The CBB has provided the Issuer with a letter of no objection to the issuance of the CapitalSecurities as Tier 1 Capital under the Module CA.

To the extent that the relevant statutory and/or regulatory authorities in Bahrain introduce anyamendments to the Module CA, or introduce a statutory resolution regime to implement lossabsorbency upon the occurrence of a Non-Viability Event, either through the writing-off of theprincipal amount of the instruments or the conversion of such instruments into ordinary shares, itis possible that such amendments or loss absorbency measures, if applicable to the CapitalSecurities, could (i) (in the event of any introduction of a statutory regime) supersede the write-down provisions contained in Condition 10 (Write-down at the Point of Non-Viability), or (ii) (inthe event of any amendments to the Module CA) give rise to a Capital Event as a consequence ofwhich the Capital Securities may be redeemed or varied pursuant to Condition 9.1(d) (Redemptionand Variation – Redemption or Variation for Capital Event).

The introduction (or anticipation) of any such amendments or new statutory resolution regime,could, therefore materially adversely affect the value of the Capital Securities. See “– Variationupon the occurrence of a Capital Event or a Tax Event” and “– The Capital Securities may besubject to early redemption; redemptions conditional”.

The rights of the holders of the Capital Securities to receive repayment of the principal amountof the Capital Securities and the rights of the holders of the Capital Securities for any furtherinterest may be written-down upon the occurrence of a Non- Viability Event

If a Non-Viability Event occurs at any time, the Capital Securities will be cancelled (in the caseof a write- down in whole) or written-down in part on a pro rata basis (in the case of a write-down in part) and all rights of any holder of Capital Securities for payment of any amounts underor in respect of the Capital Securities (including, without limitation, any amounts arising as aresult of, or due and payable upon the occurrence of, an Enforcement Event) shall, as the casemay be, be cancelled or written-down pro rata among the holders of the Capital Securities and, ineach case, not restored under any circumstances, irrespective of whether such amounts havebecome due and payable prior to the date of the Non-Viability Event or notice in relation theretoand even if the Non-Viability Event has ceased. Further, whilst it is intended that the ordinaryshares of the Issuer should absorb losses prior to the Capital Securities, a Write-down in full or inpart of the Capital Securities could occur prior to the ordinary shares of the Issuer absorbinglosses in full. A Write- down shall not constitute an Enforcement Event. As a result, holders of theCapital Securities will lose the entire amount or, as the case may be, a material amount, of theirinvestment in the Capital Securities. Investors should also be aware that the application of a non-

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viability loss absorption feature similar to Condition 10 (Write-down at the Point of Non-Viability)has not been tested in Bahrain and therefore some degree of uncertainty may exist in itsapplication.

The circumstances triggering a Write-down are unpredictable

The occurrence of a Non-Viability Event is inherently unpredictable and depends on a number offactors, many of which are outside the Issuer’s control.

The occurrence of a Non-Viability Event is subject to, inter alia, a subjective determination by theRegulator in circumstances that may be beyond the control of the Issuer and with which the Issueror the holders of the Capital Securities may not agree.

Variation upon the occurrence of a Capital Event or a Tax Event

Upon the occurrence and continuation of a Capital Event or a Tax Event, the Issuer may, subjectas provided in Condition 9.1(c) (Redemption and Variation – Redemption or Variation due toTaxation) or 9.1(d) (Redemption and Variation – Redemption or Variation for Capital Event) (asthe case may be) and without the need for any consent of the holders of the Capital Securities,either redeem or vary the terms of the Capital Securities such that they become or remain (asappropriate) Qualifying Tier 1 Instruments (as defined in the Conditions).

A Capital Event will arise if the Issuer is notified by the Regulator to the effect that the notionalamount (or the amount that qualifies as regulatory capital, if some amount of the Capital Securitiesare held by the Issuer or whose purchase is funded by the Issuer) of the Capital Securities willcease or have ceased to qualify for inclusion in the consolidated Tier 1 Capital of the Issuer (savewhere such non-qualification is only as a result of any applicable limitation on the amount of suchcapital) such that the notional amount would be fully or partially excluded from the consolidatedTier 1 Capital of the Issuer.

A Tax Event will arise if the Issuer would, as a result of any change in, or amendment to orinterpretation of, the laws, published practice or regulations of a Tax Jurisdiction (as defined in theConditions), or any change in the application or interpretation of such laws or regulations, inmaking any payments under the Capital Securities on the next due date for such payment, berequired to pay Additional Amounts (as defined in the Conditions), and such requirement cannot beavoided by the Issuer.

The tax and stamp duty consequences of holding the Capital Securities following variation ascontemplated in Condition 9.1 (Redemption and variation) could be different for certain holders ofthe Capital Securities from the tax and stamp duty consequences for them of holding the CapitalSecurities prior to such variation and the Issuer shall not be responsible to any holder of theCapital Securities for any such consequences in connection therewith. Further, while the Conditionsstipulate that the variation (as contemplated by the Conditions) must not be materially lessfavourable to the holders of the Capital Securities, no assurance can be given as to whether any ofthese changes will negatively affect any particular holder of the Capital Securities.

The Capital Securities may be subject to early redemption; redemptions conditional

Upon the occurrence of a Tax Event or a Capital Event, the Issuer may, at any time, having givennot less than 30 nor more than 60 days’ prior notice to the holders of the Capital Securities inaccordance with Condition 16 (Notices) (which notice shall be irrevocable) redeem in accordancewith the Conditions, all, but not some only, of the Capital Securities together with any accrued butunpaid Distribution Payment Amounts (as more particularly described in Condition 9.1(c)(Redemption and Variation – Redemption or Variation due to Taxation) in relation to a Tax Event,and Condition 9.1(d) (Redemption and Variation – Redemption or Variation for Capital Event) inrelation to a Capital Event).

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Any redemption of the Capital Securities is subject to the requirements in Condition 9.1(a)(Redemption and Variation – No Fixed Redemption Date and Conditions for Redemption andVariation), including obtaining the prior written approval of the Regulator. There can be noguarantee that the approval of the Regulator will be received on time or at all.

There is no assurance that the holders of the Capital Securities will be able to reinvest the amountreceived upon redemption at a rate that will provide the same rate of return as their investment inthe Capital Securities. During any period when the Issuer may redeem the Capital Securities, themarket value of the Capital Securities generally will not rise substantially above the TaxRedemption Amount or the Capital Event Amount (each as defined in the Conditions) payable, asthe case may be. Potential investors should consider the re-investment risk in light of otherinvestments available at that time.

The Capital Securities will not be rated by any rating organisation upon their issue

The Capital Securities will not be rated by any rating organisation upon their issue. Should anyrating be assigned to the Capital Securities in the future, given that the payment obligations of theIssuer under the Capital Securities are subordinated as described in Condition 4.2 (Subordination ofthe Capital Securities), the ratings assigned to the Capital Securities are likely to be lower than theratings assigned to the Issuer’s senior unsecured debt.

Modification

The Conditions contain provisions for calling meetings of holders of the Capital Securities toconsider matters affecting their interests generally. These provisions permit defined majorities tobind all holders of the Capital Securities including holders of the Capital Securities who did notattend and vote at the relevant meeting and holders of the Capital Securities who voted in amanner contrary to the majority.

The Conditions also provide that the Fiscal Agent and the Issuer may agree, without the consent ofholders of the Capital Securities, to any modification of any Capital Securities, in thecircumstances specified in Condition 18 (Meetings of Holders of the Capital Securities andModification).

The Conditions also provide that the Issuer may, without the consent or approval of the holders ofthe Capital Securities, vary the Conditions so that they become or, as appropriate, remain,Qualifying Tier 1 Instruments, as provided in Condition 9.1(c) (Redemption and Variation –Redemption or Variation due to Taxation) and Condition 9.1(d) (Redemption and Variation –Redemption or Variation for Capital Event).

Withholding under the EU Savings Directive

Under EC Council Directive 2003/48/EC on the taxation of savings income, Member States arerequired to provide to the tax authorities of other Member States details of certain payments ofinterest or similar income paid or secured by a person established in a Member State to or for thebenefit of an individual resident in another Member State or certain limited types of entitiesestablished in another Member State.

On 24 March 2014, the Council of the European Union adopted a Council Directive amending andbroadening the scope of the requirements described above. Member States are required to applythese new requirements from 1 January 2017. The changes will expand the range of paymentscovered by the Directive, in particular to include additional types of income payable on securities.They will also expand the circumstances in which payments that indirectly benefit an individualresident in a Member State must be reported. This approach will apply to payments made to, orsecured for, persons, entities or legal arrangements (including trusts) where certain conditions aresatisfied, and may in some cases apply where the person, entity or arrangement is established oreffectively managed outside of the European Union.

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For a transitional period, Austria is required (unless during that period it elects otherwise) tooperate a withholding system in relation to such payments. The changes referred to above willbroaden the types of payments subject to withholding in those Member States which still operate awithholding system when they are implemented.

The end of the transitional period is dependent upon the conclusion of certain other agreementsrelating to information exchange with certain other countries. A number of non-EU countries andterritories including Switzerland have adopted similar measures (a withholding system in the caseof Switzerland).

If a payment were to be made or collected through a Member State which has opted for awithholding system and an amount of, or in respect of, tax were to be withheld from thatpayment, neither the Issuer nor any Paying Agent (as defined in the Conditions) nor any otherperson would be obliged to pay additional amounts with respect to any Capital Security as a resultof the imposition of such withholding tax. The Issuer is required to maintain a Paying Agent in aMember State that is not obliged to withhold or deduct tax pursuant to the Directive.

Foreign Account Tax Compliance Act withholding may affect payments on the Capital Securities

Whilst the Capital Securities are in global form and held within Euroclear and Clearstream,Luxembourg (together, the ICSDs), in all but the most remote circumstances, it is not expectedthat the new reporting regime and potential withholding tax imposed by sections 1471 through1474 of the U.S. Internal Revenue Code of 1986 (FATCA) will affect the amount of any paymentreceived by the ICSDs (see “Taxation – Foreign Account Tax Compliance Act”). However, FATCAmay affect payments made to custodians or intermediaries in the subsequent payment chain leadingto the ultimate investor if any such custodian or intermediary generally is unable to receivepayments free of FATCA withholding. It also may affect payments to any ultimate investor that isa financial institution that is not entitled to receive payments free of withholding under FATCA, oran ultimate investor that fails to provide its broker (or other custodian or intermediary from whichit receives payment) with any information, forms, other documentation or consents that may benecessary for the payments to be made free of FATCA withholding. Investors should choose thecustodians or intermediaries with care (to ensure each is compliant with FATCA or other laws oragreements related to FATCA) and provide each custodian or intermediary with any information,forms, other documentation or consents that may be necessary for such custodian or intermediaryto make a payment free of FATCA withholding. Investors should consult their own tax adviser toobtain a more detailed explanation of FATCA and how FATCA may affect them.

The Issuer’s obligations under the Capital Securities are discharged once it has made payment to,or to the order of, a common depositary for the ICSDs (as registered holder of the CapitalSecurities), and the Issuer has therefore no responsibility for any amount thereafter transmittedthrough the ICSDs and custodians or intermediaries. Further, foreign financial institutions in ajurisdiction which has entered into an intergovernmental agreement with the United States (anIGA) are generally not expected to be required to withhold under FATCA or an IGA (or any lawimplementing an IGA) from payments they make.

Trading in the clearing systems

As the Capital Securities have a denomination consisting of the minimum Authorised Denomination(as defined in the Conditions), plus one or more higher integral multiples of another smalleramount, it is possible that such Capital Securities may be traded in amounts that are not integralmultiples of such minimum Authorised Denomination. In such a case a holder who, as a result oftrading such amounts, holds an amount which is less than the minimum Authorised Denominationin his account with the relevant clearing system at the relevant time may not receive an IndividualCertificate in respect of such holding (should Individual Certificates be printed) and would need topurchase a principal amount of Capital Securities such that its holding amounts to at least anAuthorised Denomination in order to be eligible to receive an Individual Certificate.

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If Individual Certificates are issued, holders should be aware that Individual Certificates which havea denomination that is not an integral multiple of the minimum Authorised Denomination may beilliquid and difficult to trade.

Reliance on Euroclear and Clearstream, Luxembourg procedures

The Capital Securities will be represented on issue by a Global Certificate that will be depositedwith a common depositary for the ICSDs. Except in the circumstances described in the GlobalCertificate, investors will not be entitled to receive Individual Certificates. The ICSDs and theirrespective direct and indirect participants will maintain records of the beneficial interests in theGlobal Certificate. While the Capital Securities are represented by a Global Certificate, investorswill be able to trade their beneficial interests only through the ICSDs and their respectiveparticipants. While Capital Securities are represented by a Global Certificate, the Issuer willdischarge its payment obligation under such Capital Security by making payments through therelevant clearing systems. A holder of a beneficial interest in a Global Certificate must rely on theprocedures of the relevant clearing system and its participants to receive payments under therelevant Capital Securities. The Issuer has no responsibility or liability for the records relating to,or payments made in respect of, beneficial interests in any Global Certificate.

Holders of beneficial interests in a Global Certificate will not have a direct right to vote in respectof the Capital Securities so represented. Instead, such holders will be permitted to act only to theextent that they are enabled by the relevant clearing system and its participants to appointappropriate proxies.

Risks related to the market generally

Set out below is a brief description of the principal market risks, including liquidity risk, exchangerate risk and credit risk:

Resettable fixed rate instruments have a market risk

A holder of an instrument with a fixed interest rate that will be reset during the term of theinstrument (as will be the case for the Capital Securities with effect from each Reset Date if notpreviously redeemed and/or purchased and cancelled) is exposed to the risk of fluctuating interestrates and uncertain interest income. While the expected interest rate on the Capital Securities isfixed until 28 April 2020 (with a reset of the initial interest rate on 29 April 2020 and every fiveyears thereafter, as set out in the Conditions), the current investment return rate in the capitalmarkets (the market return rate) typically changes on a daily basis. As the market return ratechanges, the market value of the Capital Securities may also change, but in the opposite direction.If the market return rate increases, the market value of the Capital Securities would typicallydecrease. If the market return rate falls, the market value of the Capital Securities would typicallyincrease. Holders of the Capital Securities should be aware that movements in these market returnrates can adversely affect the market value of the Capital Securities and can lead to losses for theholders of the Capital Securities if they sell the Capital Securities.

Absence of secondary market/limited liquidity

There is no assurance that a secondary market for the Capital Securities will develop or, if it doesdevelop, that it will provide the holders of the Capital Securities with liquidity of investment orthat it will continue for the life of the Capital Securities. The Capital Securities generally mayhave a more limited secondary market liquidity and may be subject to greater price volatility thanconventional debt securities as they are perpetual securities (see “– Perpetual Securities”), aresubordinated (see “– The Capital Securities are subordinated and unsecured obligations”) andpayments of Distribution Payment Amounts may be restricted in certain circumstances (see “–Payments of Distribution Payment Amounts are conditional upon certain events and may becancelled and are non-cumulative”).

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Application has been made for the Capital Securities to be admitted to the Official List of theIrish Stock Exchange and for such Capital Securities to be admitted to trading on the MainSecurities Market. However, there can be no assurance that any such listing will occur or willenhance the liquidity of the Capital Securities.

Illiquidity may have an adverse effect on the market value of the Capital Securities. Accordingly, aholder of the Capital Securities may not be able to find a buyer to buy its Capital Securitiesreadily or at prices that will enable the holder of the Capital Securities to realise a desired yield.The market value of the Capital Securities may fluctuate and a lack of liquidity, in particular, canhave a material adverse effect on the market value of the Capital Securities. Accordingly, thepurchase of Capital Securities is suitable only for investors who can bear the risks associated witha lack of liquidity in the Capital Securities and the financial and other risks associated with aninvestment in the Capital Securities.

Exchange rate risks and exchange controls

The Issuer will pay principal and distributions on the Capital Securities in U.S. dollars. Thispresents certain risks relating to currency conversions if an investor’s financial activities aredenominated principally in a currency or currency unit (the Investor’s Currency) other than U.S.dollars. These include the risk that exchange rates may significantly change (including changes dueto devaluation of U.S. dollars or revaluation of the Investor’s Currency) and the risk thatauthorities with jurisdiction over the Investor’s Currency may impose or modify exchange controls.An appreciation in the value of the Investor’s Currency relative to U.S. dollars would decrease: (a)the Investor’s Currency-equivalent yield on the Capital Securities; (b) the Investor’s Currency-equivalent value of the principal payable on the Capital Securities; and (c) the Investor’s Currency-equivalent market value of the Capital Securities.

Government and monetary authorities may impose (as some have done in the past) exchangecontrols that could adversely affect an applicable exchange rate. As a result, investors may receiveless distributions or principal than expected, or no distributions or principal.

Taxation risks on payments

Payments made by the Issuer in respect of the Capital Securities could become subject to taxation.Condition 12 (Taxation) requires the Issuer to pay additional amounts in certain circumstances inthe event that any withholding or deduction is imposed by Bahrain in respect of payments underthe Capital Securities, such that net amounts received by the holders of the Capital Securities aftersuch withholding or deduction shall equal the respective amounts of principal and distributionswhich would otherwise have been receivable in respect of the Capital Securities in the absence ofsuch withholding or deduction.

Enforcement under Bahraini Law

The insolvency regime in Bahrain is relatively untested with limited guidance as to how thelegislative framework will be applied in practice by the courts in Bahrain

Prospective investors should note that the insolvency regime in Bahrain is relatively untested asthere have been a limited number of large scale insolvencies. As a result, there is limited guidanceas to how the legislative framework will be applied in practice and, in particular, the definitiveapproach that would be adopted by a court in Bahrain or the relevant insolvency official in relationto assessing the claims of senior and subordinated creditors of the Issuer.

Enforcing foreign judgments in Bahrain

Under the Conditions, the courts of England have, subject to a holder of the Capital Securitiesexercising its option to litigate under Condition 19.3 (Governing Law and Dispute Resolution –Court of law), exclusive jurisdiction to settle any dispute arising from the Capital Securities.Enforcement of an English judgment in other jurisdictions will be subject to the laws andprocedures of those jurisdictions. There is currently no reciprocity in enforcement of judgmentsbetween England and Bahrain.

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Enforcement of Interest Provisions

In the event that proceedings are brought against the Issuer in Bahrain, certain provisions ofBahraini law would apply, including Article 76 of the Bahraini Law of Commerce (No 7 of 1987)which provides that Bahraini courts are to enforce contractual rates of interest, unless they exceedthe legally prescribed maximum rate of interest. No rate has been prescribed as a maximum rate ofinterest and as a result the courts in Bahrain have a discretion, having regard to custom andpractice, to determine the legally prescribed maximum rate. Accordingly there is a risk that aBahraini court might enforce distributions on any Capital Securities at the lower of the applicablecontractual rate and the maximum rate which it considers to be then current legally prescribedmaximum rate of interest.

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OVERVIEW OF THE ISSUANCE

The following description does not purport to be complete and is taken from, and is qualified inits entirety by, the remainder of this Prospectus. Any decision to invest in the Capital Securitiesshould be based on a consideration of this Prospectus as a whole.

Words and expressions defined in “Terms and Conditions of the Capital Securities” shall have thesame meanings in the following description.

Issuer: Ahli United Bank B.S.C.

Description: U.S.$400,000,000 Perpetual Tier 1 Capital Securities

Joint Lead Managers: Goldman Sachs International, HSBC Bank plc and MorganStanley & Co. International plc

Fiscal Agent and Calculation Agent: HSBC Bank plc

Registrar and Transfer Agent: HSBC Bank plc

Issue Date: 29 April 2015

Issue Price: 100 per cent.

Distribution Payment Dates: 29 April and 29 October in every year, commencing on29 October 2015

Distribution Payment Amounts: Subject to Condition 6 (Distribution Restrictions),distributions shall be payable on the Capital Securitiessemi-annually in arrear at the applicable Distribution Ratefrom (and including) the Issue Date. The DistributionPayment Amount payable on each Distribution PaymentDate during the Initial Period shall be U.S.$34.375 perU.S.$1,000 in nominal amount of the Capital Securities.The Distribution Rate will be reset on each Reset Date (asdefined in the Conditions) on the basis of the aggregate ofa margin of 5.387 per cent. per annum and the RelevantFive Year Reset Rate on the relevant Determination Date,as determined by the Calculation Agent (see Condition 5(Distributions)).

If the Issuer makes a Non-Payment Election or a Non-Payment Event occurs, the Issuer shall not pay thecorresponding Distribution Payment Amounts and theIssuer shall not have any obligation to make anysubsequent payment in respect of any unpaid DistributionPayment Amount as more particularly described inCondition 6 (Distribution Restrictions). In suchcircumstances, distributions will not be cumulative and anydistributions which are not paid will not accumulate orcompound and holders of the Capital Securities will haveno right to receive such distributions at any time, even ifdistributions are paid in the future.

Form of Capital Securities: The Capital Securities will be issued in registered form.The Capital Securities will be represented on issue byownership interests in a Global Certificate which will bedeposited with, and registered in the name of a nomineeof, a common depositary for Euroclear and Clearstream,Luxembourg. Ownership interests in the Global Certificate

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will be shown on, and transfers thereof will only beeffected through, records maintained by each relevantclearing system and its participants. Individual Certificatesevidencing holding of Capital Securities will be issued inexchange for interests in the Global Certificate only inlimited circumstances.

Clearance and Settlement: Holders of the Capital Securities must hold their interestin the Global Certificate in book-entry form throughEuroclear or Clearstream, Luxembourg. Transfers withinand between Euroclear and Clearstream, Luxembourg willbe in accordance with the usual rules and operatingprocedures of the relevant clearing systems.

Denomination: The Capital Securities will be issued in registered form innominal amounts of U.S.$200,000 and integral multiples ofU.S.$1,000 in excess thereof.

Status of the Capital Securities: The payment obligations of the Issuer under the CapitalSecurities will: (a) constitute subordinated obligations ofthe Issuer; (b) rank junior to all Senior Obligations, (c)rank pari passu with Pari Passu Obligations and (d) rankin priority only to all Junior Obligations.

In the event of the forced liquidation of the Issuer for thepurposes of Article 156 of The Central Bank of Bahrainand Financial Institutions Law, Decree Law No. 64/2006,the payment obligations of the Issuer under the CapitalSecurities shall rank junior to all Senior Obligations butpari passu with all Pari Passu Obligations and in priorityto all Junior Obligations.

Redemption and Variation: The Capital Securities are perpetual securities in respect ofwhich there is no fixed or final redemption date. TheCapital Securities may be redeemed in whole but not inpart, or the terms thereof may be varied by the Issuer onlyin accordance with the provisions of Condition 9(Redemption and Variation).

Pursuant to Condition 9.1(b) (Redemption and Variation –Issuer’s Call Option), the Issuer may, on the First CallDate or on any Call Date (as defined in the Conditions)thereafter, redeem all, but not some only, of the CapitalSecurities at the Early Redemption Amount.

In addition (on any date on or after the Issue Date,whether or not a Distribution Payment Date), upon theoccurrence of a Tax Event or a Capital Event, all but notsome only, of the Capital Securities may be redeemed orthe terms of the Capital Securities may be varied, in eachcase in accordance with Conditions 9.1(c) (Redemption andVariation – Redemption or Variation due to Taxation) and9.1(d) (Redemption and Variation – Redemption orVariation for Capital Event).

Any redemption of the Capital Securities is subject to theconditions described in Condition 9.1 (Redemption andVariation – Redemption and variation).

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Non-Viability Event: If a Non-Viability Event (as defined in the Conditions)occurs, a Write-down (as defined in the Conditions) shalloccur on the relevant Non-Viability Event Write-downDate (as defined in the Conditions), as more particularlydescribed in Condition 10 (Write-down at the Point ofNon-Viability). In such circumstances, the rights of theholders of the Capital Securities to payment of anyamounts under or in respect of the Capital Securities shall,as the case may be, be cancelled or written-down pro rataamong the holders of the Capital Securities. See “RiskFactors — The rights of the holders of the CapitalSecurities to receive repayment of the principal amount ofthe Capital Securities and the rights of the holders of theCapital Securities for any further profit may be written-down upon the occurrence of a Non-Viability Event”.

Enforcement Events: Upon the occurrence of an Enforcement Event, any holderof the Capital Securities may give written notice to theIssuer at the specified office of the Fiscal Agent, effectiveupon the date of receipt thereof by the Fiscal Agent, thatsuch Capital Security is due and payable, whereupon thesame shall, subject to Condition 9.1 (Redemption andvariation), become forthwith due and payable at its EarlyRedemption Amount, together with accrued distributions (ifany) to the date of repayment without presentation,demand, protest or other notice of any kind.

Withholding Tax: All payments in respect of the Capital Securities will bemade without deduction for or on account of withholdingtaxes imposed by the relevant Tax Jurisdiction, subject asprovided in Condition 12 (Taxation). In the event that anysuch deduction is made, the Issuer will, save in certainlimited circumstances provided in Condition 12 (Taxation),be required to pay additional amounts to cover theamounts so deducted.

Ratings: The Issuer has a long term foreign currency rating of A-(stable) and a short term foreign currency rating of A2 byCapital Intelligence, a long term issuer default rating ofBBB+ (stable) and a short term issuer default rating of F-2 by Fitch and a long term issuer rating of BBB+ (stable)and a short term issuer rating of A-2 (stable) by Standard& Poor’s. The Capital Securities will not be rated by anyrating organisation upon their issue.

A rating is not a recommendation to buy, sell or holdsecurities and may be subject to suspension, reduction orwithdrawal at any time by the assigning rating agency.

In general, European regulated investors are restricted fromusing a rating for regulatory purposes if such rating is notissued or endorsed by a credit rating agency established inthe European Union and registered under the CRARegulation (or is endorsed and published or distributed bysubscription by such a credit rating agency in accordancewith the CRA Regulation).

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Listing and Admission to Trading: Application has been made to the Irish Stock Exchangefor the Capital Securities to be admitted to the OfficialList and to trading on the Main Securities Market.

Governing Law and Jurisdiction: The Capital Securities (except for Condition 4.2 (Status,Subordination – Subordination of the Capital Securities))and any non-contractual obligations arising out of or inconnection with the Capital Securities will be governed by,and shall be construed in accordance with, English law.Condition 4.2 (Status, Subordination – Subordination ofthe Capital Securities) will be governed by, and shall beconstrued in accordance with, the laws of Bahrain.

The Subscription Agreement and the Agency Agreementand any non-contractual obligations arising out of, relatingto or having any connection with the SubscriptionAgreement and the Agency Agreement will be governedby, and shall be construed in accordance with, Englishlaw. In respect of any dispute, claim, difference orcontroversy under the Subscription Agreement and theAgency Agreement to which it is a party, the Issuer hasconsented to arbitration in accordance with the LCIAArbitration Rules unless any Joint Lead Manager (in thecase of the Subscription Agreement) or Agent (in the caseof the Agency Agreement) elects to have the dispute,claim, difference or controversy resolved by a court, inwhich case the English courts will have exclusivejurisdiction to settle such dispute.

Selling Restrictions: There are restrictions on the offer, sale and transfer of theCapital Securities in the United States, the UnitedKingdom, Japan, Hong Kong, the United Arab Emirates(excluding the Dubai International Financial Centre), theDubai International Financial Centre, the Kingdom ofSaudi Arabia, Bahrain and the State of Qatar and suchother restrictions as may be required in connection withthe offering and sale of the Capital Securities (see“Subscription and Sale”).

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TERMS AND CONDITIONS OF THE CAPITAL SECURITIES

The following are the Terms and Conditions of the Capital Securities which will be incorporatedby reference into the Global Certificate (as defined below) and endorsed on each IndividualCertificate issued in respect of the Capital Securities:

Each of the U.S.$400,000,000 Perpetual Tier 1 Capital Securities, and any further capital securitiesissued pursuant to Condition 17 (Further Issues), (the Capital Securities) is issued by Ahli UnitedBank B.S.C. in its capacity as issuer (the Issuer) pursuant to the Agency Agreement (as definedbelow).

Payments relating to the Capital Securities will be made pursuant to an agency agreement datedthe Issue Date (the Agency Agreement) made between the Issuer, HSBC Bank plc as fiscal agentand principal paying agent (in such capacity, the Fiscal Agent and together with any further orother paying agents appointed from time to time in respect of the Capital Securities, the PayingAgents), HSBC Bank plc as registrar (in such capacity, the Registrar) and as transfer agent (insuch capacity, the Transfer Agent and, together with the Registrar and any further or othertransfer agents appointed from time to time in respect of the Capital Securities, the TransferAgents) and HSBC Bank plc as calculation agent (the Calculation Agent, which expressionincludes the Calculation Agent for the time being). The Paying Agents, the Calculation Agent andthe Transfer Agents are together referred to in these terms and conditions (the Conditions) as theAgents. References to the Agents or any of them shall include their successors.

Any reference to holders in relation to any Capital Securities shall mean the persons in whosename the Capital Securities are registered and shall, in relation to any Capital Securitiesrepresented by a Global Certificate, be construed as provided below.

Copies of the Agency Agreement are obtainable during normal business hours at the specifiedoffice of the Agents. The holders of the Capital Securities are deemed to have notice of, and areentitled to the benefit of, all the provisions of the Agency Agreement. The statements in theConditions include summaries of, and are subject to, the detailed provisions of the AgencyAgreement.

1. INTERPRETATION

Words and expressions defined in the Agency Agreement shall have the same meaningswhere used in these Conditions unless the context otherwise requires or unless otherwisestated and provided that, in the event of any inconsistency between any such document andthese Conditions, these Conditions will prevail. In addition, in these Conditions the followingexpressions have the following meanings:

Additional Amounts has the meaning given to it in Condition 12 (Taxation);

Applicable Regulatory Capital Requirements means any requirements contained in theCapital Regulations for the maintenance of capital from time to time applicable to the Issuer,including transitional rules and waivers granted in respect of the foregoing;

Authorised Denomination has the meaning given to that term in Condition 2.1 (Form,Denomination and Title – Form and Denomination);

Basel III Documents means the Basel Committee on Banking Supervision document “Aglobal regulatory framework for more resilient banks and banking systems” released by theBasel Committee on Banking Supervision on 16 December 2010 and revised in June 2011and the Annex contained in its document “Basel Committee issues final elements of thereforms to raise the quality of regulatory capital” on 13 January 2011;

Bahrain means the Kingdom of Bahrain;

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Business Day means a day, other than a Friday, Saturday, Sunday or public holiday, onwhich registered banks are open for general business (including dealings in foreign exchangeand foreign currency deposits) in New York City, London and Manama, Bahrain;

Call Date means the First Call Date and any Distribution Payment Date thereafter;

Capital Event is deemed to have occurred if the Issuer is notified in writing by theRegulator to the effect that the notional amount (or the amount that qualifies as regulatorycapital, if some amount of the Capital Securities are held by the Issuer or whose purchase isfunded by the Issuer) of the Capital Securities would cease to qualify for inclusion in theconsolidated Tier 1 Capital of the Issuer (save where such non-qualification is only as aresult of any applicable limitation on the amount of such capital) such that the notionalamount would be fully or partially excluded from the consolidated Tier 1 Capital of theIssuer;

Capital Event Redemption Amount in relation to a Capital Security means 101 per cent. ofits outstanding nominal amount together with any Outstanding Payments;

Capital Regulations means, at any time, the regulations, requirements, guidelines andpolicies relating to capital adequacy then in effect in Bahrain, including those of theRegulator and, as at the date of this Prospectus, includes the chapter of the Central Bank ofBahrain Rulebook entitled ‘Business Standards – CA Capital Adequacy’;

Central Bank means the Central Bank of Bahrain, which is empowered to issue bindingRegulations, Resolutions and/or Directives under Articles 37 and 38 of the Central Bank ofBahrain and Financial Institutions Law (promulgated by Decree no. (64) of 2006), or anysuccessor thereto;

Common Equity Tier 1 means capital qualifying as, and approved by the Regulator as, orcapital which would, but for any applicable limitation on the amount of such capital, qualifyas common equity tier 1 in accordance with the Capital Regulations;

Day-count Fraction means the number of days in the relevant period divided by 360 (thenumber of days to be calculated on the basis of a year of 360 days with 12 30-day monthsand, in the case of an incomplete month, the number of days elapsed of the DistributionPeriod in which the relevant period falls (including the first such day but excluding the last);

Determination Date means, in respect of a Reset Period, the third Business Day prior to thecommencement of such Reset Period;

Directors means the executive and non-executive directors of the Issuer who make up itsboard of directors;

Dispute has the meaning given to it in Condition 19.2 (Governing Law and DisputeResolution – Arbitration);

Distributable Profits means the amount of the Issuer’s non-consolidated retained earnings,reserves and profits (to the extent not restricted from distribution by applicable law) after thetransfer of any amounts to non-distributable reserves, all as set out in the most recentnon-consolidated financial statements of the Issuer;

Distribution Payment Amount means the distributions payable, subject to Condition 6(Distribution Restrictions) and Condition 7 (Payments), on each Distribution Payment Date;

Distribution Payment Date means each 29 April and 29 October in each year, starting on(and including) 29 October 2015;

Distribution Period means the period from and including a Distribution Payment Date, tobut excluding the succeeding Distribution Payment Date;

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Distribution Rate means, in respect of the Initial Period, the Initial Distribution Rate, and,in respect of each Reset Period thereafter, the rate calculated in accordance with theprovisions of Condition 5.1(a) (Distributions – Distribution Rate);

Early Redemption Amount in relation to a Capital Security, means its outstanding nominalamount together with any Outstanding Payments;

Enforcement Event means:

(a) Non-payment: the Issuer fails to pay an amount in the nature of principal ordistributions (including Additional Amounts) due and payable by it pursuant to theConditions and the failure continues for a period of seven days (save in each casewhere such failure occurs solely as a result of the Issuer making a Non-PaymentElection or the occurrence of a Non-Payment Event); or

(b) Insolvency: a final determination is made by a court or other official body that theIssuer is insolvent or bankrupt or unable to pay its debts; or

(c) Winding-up: an administrator is appointed, an order is made or an effective resolutionpassed for the winding-up or dissolution or administration of the Issuer shall apply orpetition for a winding-up or administration order in respect of itself or cease, orthrough an official action of its board of directors threaten to cease, to carry on all orsubstantially all of its business or operations, in each case except: (i) for the purposeof and followed by a reconstruction, amalgamation, reorganisation, merger orconsolidation on terms approved by an Extraordinary Resolution of the holders of theCapital Securities; or (ii) for any step or procedure which is part of a solventreconstruction or amalgamation approved by any court of competent jurisdiction orother competent authority;

(d) Analogous Event: any event occurs which under the laws of Bahrain has an analogouseffect to any of the events referred to in paragraph (b) or (c) above.

References in subparagraph (b) (Insolvency) above to debts shall be deemed to include anydebt or other financing arrangement issued (or intended to be issued) in compliance with theprinciples of Shari’a and which is treated as debt for the purposes of applicable law, in eachcase whether entered into directly or indirectly by the Issuer;

Extraordinary Resolution has the meaning given to it in the Agency Agreement;

First Call Date means 29 April 2020;

Global Certificate means a global registered certificate;

Individual Certificate means a registered certificate in definitive form;

Initial Distribution Rate has the meaning given to it in Condition 5.1(a) (Distributions –Distribution Rate);

Initial Period means the period from and including the Issue Date, to but excluding theFirst Call Date;

Issue Date means 29 April 2015;

Junior Obligations means all claims of the holders of Ordinary Shares and all paymentobligations of the Issuer in respect of its other Common Equity Tier 1 capital;

LCIA means the London Court of International Arbitration;

Margin means 5.387 per cent. per annum;

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Non-Payment Election has the meaning given to it in Condition 6.2 (DistributionRestrictions – Non-Payment Election);

Non-Payment Event has the meaning given to it in Condition 6.1 (Distribution Restrictions– Non-Payment Event);

Non-Viability Event means that the Regulator has notified the Issuer in writing that it hasdetermined that the Issuer is, or will become, Non-Viable without:

(a) a Write-down; or

(b) a public sector injection of capital (or equivalent support);

Non-Viability Event Write-down Date shall be the date on which the Write-down will takeplace as specified in the Non-Viability Notice, which date shall be no later than 10 BusinessDays (or such earlier date as determined by the Regulator) after the date of the Non-Viability Notice;

Non-Viability Notice has the meaning given to it in Condition 10 (Write-down at the pointof non-viability);

Non-Viable means (a) insolvent, bankrupt, unable to pay a material part of its obligations asthey fall due or unable to carry on its business, or (b) any other event or circumstanceoccurs which is specified as constituting non-viability by the Regulator or in the applicablebanking regulations;

Obligations has the meaning given to it in Condition 4.2 (Status, Subordination –Subordination of the Capital Securities);

Ordinary Shares means ordinary shares of the Issuer;

Other Common Equity Tier 1 Instruments means securities issued by the Issuer thatconstitute Common Equity Tier 1 of the Issuer other than Ordinary Shares;

Outstanding Payments means, in relation to any amounts payable on redemption of theCapital Securities, an amount representing accrued and unpaid distributions for theDistribution Period during which redemption occurs to the date of redemption plusAdditional Amounts thereon, if any;

Pari Passu Obligations means all subordinated payment obligations of the Issuer whichrank, or are expressed to rank, pari passu with the Obligations;

Payment Day has the meaning given to it in Condition 7.4 (Payments – Payment Day);

Proceedings has the meaning given to it in Condition 19.4 (Governing Law and DisputeResolution – Submission to jurisdiction);

Qualifying Tier 1 Instruments means instruments (whether securities, trust certificates,interests in limited partnerships or otherwise) other than Ordinary Shares or Other CommonEquity Tier 1 Instruments, issued directly or indirectly by the Issuer that:

(a) will be eligible to constitute (or would, but for any applicable limitation on theamount of such capital, constitute) Tier 1 Capital;

(b) have terms and conditions not materially less favourable to a holder of the CapitalSecurities than the Capital Securities (as reasonably determined by the Issuer(provided that in making this determination the Issuer is not required to take intoaccount the tax treatment of the new instrument in the hands of all or any holders ofthe Capital Securities, or any transfer or similar taxes that may apply on the

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acquisition of the new instrument) provided that a certification to such effect of twoDirectors shall have been delivered to the Fiscal Agent prior to the variation of theterms of the instruments);

(c) continue to be obligations of the Issuer, directly or indirectly or by a guarantee orequivalent support undertaking by the Issuer;

(d) rank on a winding up at least pari passu with the Obligations;

(e) have at least the same face value or nominal amount and interest payment ordistribution dates as the Capital Securities and at least equal interest or distributionrate or rate of return as the Capital Securities;

(f) (where the instruments are varied prior to the First Call Date) have the same first calldate as the Capital Securities; and

(g) have the same optional redemption dates as the Capital Securities,

and which may include such technical changes as necessary to reflect the requirements ofTier 1 Capital under the Capital Regulations then applicable to the Issuer (including, withoutlimitation, such technical changes as may be required in the adoption and implementation ofthe Basel III Documents);

Record Date means in the case of the payment of distributions, the date falling on the 15thday before the relevant Distribution Payment Date and, in the case of the payment of aRedemption Amount, the date falling two Payment Days before the date for payment of therelevant Redemption Amount (as the case may be);

Redemption Amount means the Early Redemption Amount, the Tax Redemption Amount orthe Capital Event Redemption Amount (as the case may be);

Register has the meaning given to it in Condition 2.1 (Form, Denomination and Title –Form and Denomination);

Regulator means the Central Bank or any successor entity having primary bank supervisoryauthority with respect to the Issuer;

Relevant Date has the meaning given to it in Condition 12 (Taxation);

Relevant Jurisdiction means Bahrain or any political sub-division or authority thereof ortherein having the power to tax;

Relevant Five Year Reset Rate means the mid-swap rate for U.S. dollar swap transactionswith a maturity of five years displayed on Reuters 3000 page “ISDAFIX1” (or such otherpage as may replace that page on Bloomberg, or such other service as may be nominated bythe person providing or sponsoring the information appearing there for the purposes ofdisplaying comparable rates) at or around 11.00 a.m. (New York time) on the DeterminationDate. If the correct mid swap rate does not appear on that page, the five year U.S. dollarmid swap rate shall instead be determined by the Calculation Agent on the basis of thearithmetic mean of quotations provided by the principal office of each of four major banksin the U.S. dollar swap market of the rates at which swaps in U.S. dollars are offered by itat approximately 11.00 a.m. (New York time) on the Determination Date to participants inthe U.S. dollar swap market for a five-year period, expressed as a percentage and rounded,if necessary, to the nearest 0.0001 per cent. (0.00005 per cent. being rounded upwards);

Replacement Agent means the Registrar and the Transfer Agents;

Reset Date means the First Call Date and every fifth anniversary thereafter;

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Reset Period means the period from and including the first Reset Date to but excluding thefollowing Reset Date, and each successive period thereafter from and including such ResetDate to the next succeeding Reset Date;

Rules has the meaning given to it in Condition 19.2 (Governing Law and Dispute Resolution– Arbitration);

Senior Obligations means all unsubordinated payment obligations of the Issuer and allsubordinated payment obligations (if any) of the Issuer to which the Obligations rank or areexpressed to rank junior;

Tax Event means on the occasion of the next payment due under the Capital Securities, theIssuer has or will become obliged to pay Additional Amounts or, the Issuer would be unablefor reasons outside its control to procure payment by the Issuer and in making paymentitself would be required to pay such Additional Amounts (in each case, whether or not aNon-Payment Event has occurred or a Non-Payment Election has been made), in each caseas a result of any change in, or amendment to or interpretation of, the laws, publishedpractice or regulations of a Tax Jurisdiction, or any change in the application orinterpretation of such laws or regulations, which change or amendment becomes effective onor after the Issue Date (and such requirement cannot be avoided by the Issuer takingreasonable measures available to it);

Tax Jurisdiction has the meaning given to it in Condition 12 (Taxation);

Tax Redemption Amount in relation to a Capital Security, means its outstanding nominalamount together with any Outstanding Payments;

Taxes has the meaning given to it in Condition 12 (Taxation);

Tier 1 Capital means capital qualifying as, and approved by the Regulator as, tier 1 capitalin accordance with the Capital Regulations; and

Write-down means:

(a) the Capital Securities shall be cancelled (in the case of a write-down in whole) orwritten-down in part on a pro rata basis (in the case of a write-down in part) asdetermined by the Issuer in consultation with the Regulator or as the Regulator may,in its sole discretion, direct; and

(b) all rights of any holder of Capital Securities for payment of any amounts under or inrespect of the Capital Securities (including, without limitation, any amounts arising asa result of, or due and payable upon the occurrence of, an Enforcement Event) shall,as the case may be, be cancelled or written-down pro rata among the holders of theCapital Securities irrespective of whether such amounts have become due and payableprior to the date of the Non-Viability Notice or the Non-Viability Event Write-downDate.

All references in these Conditions to U.S. dollars, U.S.$ and $ are to the lawful currency ofthe United States of America.

2. FORM, DENOMINATION AND TITLE

2.1 Form and Denomination

The Capital Securities are issued in registered form in nominal amounts of U.S.$200,000each and integral multiples of U.S.$1,000 in excess thereof (each an AuthorisedDenomination). A Capital Security will be issued to each holder of the Capital Securities inrespect of its registered holding of Capital Securities. Each Individual Certificate will benumbered serially with an identifying number which will be recorded on the relevantIndividual Certificate and in the register of holders of the Capital Securities (the Register).

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Upon issue, the Capital Securities will be represented by a Global Certificate which will bedeposited with, and registered in the name of a nominee for, a common depositary forEuroclear Bank SA/NV (Euroclear) and Clearstream Banking, société anonyme(Clearstream, Luxembourg). Ownership interests in the Global Certificate will be shownon, and transfers thereof will only be effected through, records maintained by Euroclear andClearstream, Luxembourg (as applicable), and their respective participants. The Conditionsare modified by certain provisions contained in the Global Certificate.

2.2 Title

The holder of any Capital Security will (except as otherwise required by law) be treated asits absolute owner for all purposes (whether or not it is overdue and regardless of any noticeof ownership, trust or any interest or any writing on, or the theft or loss of, the certificateissued in respect of it) and no person will be liable for so treating the holder.

For so long as any of the Capital Securities is represented by a Global Certificate held onbehalf of Euroclear and/or Clearstream, Luxembourg, each person (other than Euroclear orClearstream, Luxembourg) who is for the time being shown in the records of Euroclear or ofClearstream, Luxembourg as the holder of a particular nominal amount of such CapitalSecurities (in which regard any certificate or other document issued by Euroclear orClearstream, Luxembourg as to the nominal amount of such Capital Securities standing tothe account of any person shall be conclusive and binding for all purposes save in the caseof manifest error) shall be treated by each of the Issuer and the Agents as the holder ofsuch nominal amount of such Capital Securities for all purposes other than with respect tothe payment of principal or distributions on such nominal amount of such Capital Securities,for which purpose the registered holder of the Global Certificate shall be treated by each ofthe Issuer and any Agent as the holder of such nominal amount of such Capital Securities inaccordance with and subject to the terms of the Global Certificate.

3. TRANSFERS OF CAPITAL SECURITIES AND EXCHANGE FOR INDIVIDUALCERTIFICATES

3.1 Transfers of interests in Global Certificates

Capital Securities which are represented by a Global Certificate will be transferable only inaccordance with the rules and procedures for the time being of Euroclear and/or Clearstream,Luxembourg (as the case may be).

3.2 Transfer of Individual Certificates

Subject to the conditions set forth in the Agency Agreement, an Individual Certificate maybe transferred in whole or in part (in Authorised Denominations). In order to effect any suchtransfer: (a) the holder or holders must (i) surrender the Capital Security for registration ofthe transfer of the Capital Security (or the relevant part of the Capital Security) at thespecified office of any Transfer Agent, with the form of transfer thereon duly executed bythe holder or holders thereof or his or their attorney or attorneys duly authorised in writingand (ii) complete and deposit such other certifications as may be required by the relevantTransfer Agent; and (b) the relevant Transfer Agent must, after due and careful enquiry, besatisfied with the documents of title and the identity of the person making the request. Anysuch transfer will be subject to such reasonable regulations as the Issuer and the Registrarmay from time to time prescribe (the initial such regulations being set out in Schedule 5 tothe Agency Agreement). Subject as provided above, the relevant Transfer Agent will, withinfive business days (being for this purpose a day on which banks are open for business in thecity where the specified office of the Registrar and the relevant Transfer Agent is located) ofthe request (or such longer period as may be required to comply with any applicable fiscalor other laws or regulations), authenticate and deliver, or procure the authentication anddelivery of, at its specified office to the transferee or (at the risk of the transferee) send byuninsured mail, to such address as the transferee may request, a new Individual Certificate ofa like aggregate nominal amount to the Capital Security (or the relevant part of the Capital

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Security) transferred. In the case of the transfer of part only of an Individual Certificate, anew Individual Certificate in respect of the balance of the Capital Security not transferredwill be so authenticated and delivered or (at the risk of the transferor) sent to the transferor.

3.3 Costs of registration

Holders of the Capital Securities will not be required to bear the costs and expenses ofeffecting any registration of transfer as provided above, except for any costs or expenses ofdelivery other than by regular uninsured mail and except that the Issuer may require thepayment of a sum sufficient to cover any stamp duty, tax or other governmental charge thatmay be imposed in relation to the registration.

3.4 Exchange for Individual Certificates

Interests in the Global Certificate will be exchangeable (free of charge), in whole but not inpart, for Individual Certificates only upon the occurrence of an Exchange Event (as definedbelow). The Issuer will promptly give notice to holders of the Capital Securities inaccordance with Condition 15 (Notices) if an Exchange Event occurs. For these purposes, anExchange Event shall occur if: (a) an Enforcement Event has occurred; or (b) the Issuer hasbeen notified that both Euroclear and Clearstream, Luxembourg have been closed forbusiness for a continuous period of 14 days (other than by reason of legal holiday) or haveannounced an intention permanently to cease business or have in fact done so and, in anysuch case, no successor clearing system satisfactory to the Issuer is available.

In such circumstances, the Global Certificate shall be exchanged in full for IndividualCertificates and the Issuer will, at the cost of the Issuer, cause sufficient IndividualCertificates to be executed and delivered to the Registrar within ten days following therequest for exchange for completion and dispatch to the holders of the Capital Securities.

3.5 Other

References to Euroclear and/or Clearstream, Luxembourg shall, whenever the context sopermits, be deemed to include a reference to any additional or alternative clearing system asshall have been approved by the Issuer and the Fiscal Agent.

4. STATUS, SUBORDINATION

4.1 Status of the Capital Securities

Each Capital Security will rank pari passu without preference or priority, with all otherCapital Securities.

4.2 Subordination of the Capital Securities

(a) The payment obligations of the Issuer under the Capital Securities (the Obligations)will: (i) constitute subordinated obligations of the Issuer; (ii) rank junior to all SeniorObligations; (iii) rank pari passu with all Pari Passu Obligations; and (iv) rank inpriority only to all Junior Obligations.

(b) In the event of the forced liquidation of the Issuer for the purposes of Article 156 ofThe Central Bank of Bahrain and Financial Institutions Law, Decree Law No. 64/2006(as may be amended, superseded or replaced from time to time), the paymentobligations of the Issuer under the Capital Securities shall rank junior to all SeniorObligations but pari passu with all Pari Passu Obligations and in priority to all otherJunior Obligations. The Issuer shall execute such instruments and do such acts as maybe required by the laws of Bahrain to ensure the effectiveness of such ranking.

(c) Subject to applicable law, no holder of the Capital Securities may exercise or claimany right of set-off in respect of any amount owed to it by the Issuer arising under orin connection with the Capital Securities and each holder of the Capital Securitiesshall, by virtue of being a holder of the Capital Securities, be deemed to have waivedall such rights of set-off.

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4.3 Other Issues

So long as any of the Capital Securities remain outstanding, the Issuer will not issue anysecurities (regardless of name or designation) or create any guarantee of, or provide anycontractual support arrangement in respect of, the obligations of any other entity which ineach case constitutes (whether on a solo, or a solo consolidated or a consolidated basis)issued Tier 1 Capital of the Issuer if claims in respect of such securities, guarantee orcontractual support arrangement would rank (as regards distributions on a return of assets ona winding up or in respect of distribution or payment of dividends and/or any other amountsthereunder) senior to the Obligations. This prohibition will not apply if at the same time orprior thereto: (a) these Conditions are amended to ensure that the Issuer obtains and/or (b)the Obligations have, the benefit of, such of those rights and entitlements as are contained inor attached to such securities or under such guarantee or contractual support arrangement asare required so as to ensure that claims in respect of the Obligations rank pari passu with,and contain substantially equivalent rights of priority as to distributions or payments on, suchsecurities or under such guarantee or contractual support arrangement.

5. DISTRIBUTIONS

5.1 Distribution Payments

Subject to Condition 6 (Distribution Restrictions), the Capital Securities bear interest at theapplicable Distribution Rate from (and including) the Issue Date in accordance with theprovisions of this Condition 5 (Distributions). The Distribution Payment Amount payable oneach Distribution Payment Date during the Initial Period shall be U.S.$34.375 per U.S.$1,000in nominal amount of the Capital Securities.

Subject to Condition 6 (Distribution Restrictions), distributions shall be payable on theCapital Securities semi-annually in arrear on each Distribution Payment Date, in each case asprovided in this Condition 5 (Distributions). Distributions will not be cumulative and anydistributions which are not paid will not accumulate or compound and holders of the CapitalSecurities will have no right to receive such distributions at any time, even if distributionsare paid in the future.

If distributions are required to be calculated in respect of a period of less than a fullDistribution Period (the Relevant Period), they shall be calculated as an amount equal to theproduct of: (a) the applicable Distribution Rate; (b) the nominal amount of the relevantCapital Security; and (c) the applicable Day-count Fraction for the Relevant Period, roundingthe resultant figure to the nearest cent (half a cent being rounded upwards).

(a) Distribution Rate

For the Initial Period, the Capital Securities bear interest at the Distribution Rate of6.875 per cent. per annum (the Initial Distribution Rate).

The Distribution Rate will be reset on each Reset Date on the basis of the aggregateof the Margin and the Relevant five Year Reset Rate on the relevant DeterminationDate, as determined by the Calculation Agent.

The Calculation Agent will, as soon as practicable upon determination of theDistribution Rate which shall apply to the Reset Period commencing on the relevantReset Date, cause the applicable Distribution Rate and the corresponding DistributionPayment Amount to be notified to each of the Paying Agents and the Irish StockExchange and to be notified to holders of the Capital Securities in accordance withCondition 15 (Notices) as soon as possible after their determination but in no eventlater than the second Business Day thereafter.

(b) Determinations of Calculation Agent Binding

All notifications, opinions, determinations, certificates, calculations, quotations anddecisions given, expressed, made or obtained for the purposes of this Condition 5

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(Distributions), shall (in the absence of manifest error) be binding on the CalculationAgent, the Paying Agents and the holders of the Capital Securities and (in the absenceof manifest error) no liability to the holders of the Capital Securities shall attach tothe Calculation Agent in connection with the exercise or non-exercise by them of anyof its powers, duties and discretions.

6. DISTRIBUTION RESTRICTIONS

6.1 Non-Payment Event

Notwithstanding Condition 5.1 (Distributions – Distribution Payments), if any of thefollowing events occurs (each, a Non-Payment Event), Distribution Payment Amounts shallnot be paid on any Distribution Payment Date:

(a) the Distribution Payment Amount payable, when aggregated with any distributionspayable by the Issuer on any Pari Passu Obligations having the same dates in respectof such distributions payable as the dates for payment of Distribution PaymentsAmounts, exceeds, on the relevant date for payment of such Distribution PaymentAmount, the Distributable Profits;

(b) the Issuer is, on that Distribution Payment Date, in breach of the ApplicableRegulatory Capital Requirements (including any capital buffers imposed on the Issuerby the Regulator) or payment of the relevant Distribution Payment Amount wouldcause it to be in breach thereof;

(c) the Regulator requires that the Distribution Payment Amount due on that DistributionPayment Date shall not be paid; or

(d) the commencement of the forced liquidation of the Issuer for the purposes of Article156 of The Central Bank of Bahrain and Financial Institutions Law, Decree Law No.64/2006 (as may be amended, superseded or replaced from time to time).

6.2 Non-Payment Election

Notwithstanding Condition 5.1 (Distributions – Distribution Payments), the Issuer may in itssole discretion elect that Distribution Payment Amounts shall not be paid to holders of theCapital Securities on any Distribution Payment Date (each a Non-Payment Election). Theforegoing shall not apply in respect of any amounts due on any date on which the CapitalSecurities are to be redeemed in full.

6.3 Effect of Non-Payment Event or Non-Payment Election

If the Issuer makes a Non-Payment Election or a Non-Payment Event occurs, then the Issuermay: (a) in the case of a Non-Payment Election, 14 calendar days prior to such event, and(b) in the case of a Non-Payment Event, as soon as practicable thereafter but in any case nolater than one Business Day prior to the relevant Distribution Payment Date, give notice tothe holders of the Capital Securities in accordance with Condition 15 (Notices) in each caseproviding details of the Non-Payment Election or Non-Payment Event (as the case may be).Holders of the Capital Securities shall have no claim in respect of any Distribution PaymentAmount not paid as a result of either a Non-Payment Election or a Non-Payment Event andany non-payment of a Distribution Payment Amount in such circumstances shall notconstitute an Enforcement Event. The Issuer shall not have any obligation to make anysubsequent payment in respect of any such unpaid Distribution Payment Amount.

6.4 Dividend and Redemption Restrictions

If any distributions are not paid as a consequence of a Non-Payment Election or aNon-Payment Event pursuant to Condition 6.1 (Non-Payment Event) or 6.2 (Non-PaymentElection) (as the case may be), then, from the date of such Non-Payment Election orNon-Payment Event (the Dividend Stopper Date), the Issuer will not, so long as any of theCapital Securities are outstanding:

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(a) declare or pay any distribution or dividend or make any other payment on, and willprocure that no distribution or dividend or other payment is made on, Ordinary Shares(other than to the extent that any such distribution, dividend or other payment isdeclared before such Dividend Stopper Date); or

(b) pay profit or any other distribution on any of its Other Common Equity Tier 1Instruments or securities, ranking, as to the right of payment of dividend, distributionsor similar payments, pari passu with the Obligations (excluding securities the terms ofwhich do not at the relevant time enable the Issuer to defer or otherwise not to makesuch payment), only to the extent such restrictions on payment or distribution ispermitted under the Applicable Regulatory Capital Requirements; or

(c) directly or indirectly redeem, purchase, cancel, reduce or otherwise acquire OrdinaryShares; or

(d) directly or indirectly redeem, purchase, cancel, reduce or otherwise acquire OtherCommon Equity Tier 1 Instruments or any securities issued by the Issuer ranking, asto the right of repayment of capital, pari passu with the Obligations (excludingsecurities the terms of which stipulate a mandatory redemption or conversion intoequity), only to the extent such restriction on redemption, purchase, cancellation,reduction or acquisition is permitted under the relevant regulatory criteria for Tier 1Capital applicable from time to time,

in each case unless or until the Distribution Payment Amount following the DividendStopper Date has been made in full (or an amount equal to the same has been duly setaside or provided for in full for the benefit of the holders of the Capital Securities).

7. PAYMENTS

7.1 Payments in respect of Individual Certificates

Subject as provided below, payments will be made by credit or transfer to an accountmaintained by the payee with, or, at the option of the payee, by a cheque drawn on, a bankin New York City.

Payments of principal in respect of each Capital Security will be made against presentationand surrender of the Individual Certificate at the specified office of the Registrar or any ofthe Paying Agents. Such payments will be made by transfer to the Designated Account (asdefined below) of the holder (or the first named of joint holders) of the IndividualCertificate appearing in the Register at the close of business on the third business day (beingfor this purpose a day on which banks are open for business in London) before the relevantdue date. Notwithstanding the previous sentence, if: (a) a holder does not have a DesignatedAccount; or (b) the principal amount of the Capital Securities held by a holder is less thanU.S.$200,000 (or its approximate equivalent in any other Specified Currency), payment willinstead be made by a cheque in U.S. dollars drawn on a Designated Bank (as definedbelow). For these purposes, Designated Account means the account maintained by a holderwith a Designated Bank and identified as such in the Register and Designated Bank meansa bank in New York City.

Distributions in respect of each Capital Security will be made by a cheque in U.S. dollarsdrawn on a Designated Bank and mailed by uninsured mail on the business day in the citywhere the specified office of the Registrar is located immediately preceding the relevant duedate to the holder (or the first named of joint holders) of the Capital Security appearing inthe Register at the close of business on the 15th day (whether or not such 15th day is abusiness day) before the relevant due date (the Record Date) at his address shown in theRegister on the Record Date and at his risk. Upon application of the holder to the specifiedoffice of the Registrar not less than three business days in the city where the specified officeof the Registrar is located before the due date for any distributions in respect of anIndividual Certificate, the payment may be made by transfer on the due date in the mannerprovided in the preceding paragraph. Any such application for transfer shall be deemed to

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relate to all future distributions (other than distributions due on redemption) in respect of theCapital Securities which become payable to the holder who has made the initial applicationuntil such time as the Registrar is notified in writing to the contrary by such holder.Distributions due in respect of each Capital Security on redemption will be made in thesame manner as payment of the principal amount of such Capital Security.

Holders of Capital Securities will not be entitled to any distributions or other payment forany delay in receiving any amount due in respect of any Capital Security as a result of acheque posted in accordance with this Condition arriving after the due date for payment orbeing lost in the post. No commissions or expenses shall be charged to such holders by theRegistrar in respect of any payments of principal or distributions in respect of the CapitalSecurities.

7.2 Payments in respect of the Global Certificate

The holder of the Global Certificate shall be the only person entitled to receive payments inrespect of Capital Securities represented by the Global Certificate and the Issuer will bedischarged by payment to, or to the order of, the holder of such Global Certificate in respectof each amount so paid. Each of the persons shown in the records of Euroclear orClearstream, Luxembourg as the beneficial holder of a particular nominal amount of CapitalSecurities represented by such Global Certificate must look solely to Euroclear orClearstream, Luxembourg (as the case may be), for his share of each payment so made bythe Issuer, or to the order of, the holder of such Global Certificate.

7.3 Payments Subject to Laws

All payments are subject in all cases to: (a) any applicable laws, regulations and directivesin the place of payment, but without prejudice to the provisions of Condition 12 (Taxation);and (b) any withholding or deduction required pursuant to an agreement described in Section1471(b) of the U.S. Internal Revenue Code of 1986, as amended (the Code) or otherwiseimposed pursuant to Sections 1471 through 1474 of the Code, any regulations or agreementsthereunder, official interpretations thereof, or any law in any jurisdiction implementing anintergovernmental approach thereto. No commission or expenses shall be charged to theholders of the Capital Securities in respect of such payments.

7.4 Payment Day

If the date for payment of any amount in respect of the Capital Securities is not a PaymentDay, the holder thereof shall not be entitled to payment until the next following PaymentDay in the relevant place and shall not be entitled to further distributions or other paymentin respect of such delay. For these purposes, Payment Day means any day which (subject toCondition 13 (Prescription)) is a day on which commercial banks and foreign exchangemarkets settle payments and are open for general business (including dealing in foreignexchange and foreign currency deposits) in New York City and London.

7.5 Interpretation of principal and distributions

Any reference in the Conditions to principal in respect of the Capital Securities shall bedeemed to include, as applicable:

(a) any Additional Amounts which may be payable with respect to principal underCondition 12 (Taxation);

(b) the Early Redemption Amount of the Capital Securities;

(c) the Capital Event Redemption Amount of the Capital Securities; and

(d) the Tax Redemption Amount of the Capital Securities.

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Any reference in the Conditions to distributions in respect of the Capital Securities shall bedeemed to include, as applicable, any additional amounts which may be payable with respectto distributions under Condition 12 (Taxation).

The Capital Securities, on issue, will be represented by the Global Certificate registered inthe name of, and held by a nominee on behalf of, a common depository for Euroclearand/or Clearstream, Luxembourg. All payments in respect of Capital Securities representedby the Global Certificate will be made to, or to the order of, the person whose name isentered in the Register at the close of business on the Clearing System Business Dayimmediately prior to the date of payment, where “Clearing System Business Day” meansMonday to Friday inclusive except 24 December and 1 January.

8. AGENTS

The names of the initial Agents and their initial specified offices are set out below.

The Issuer is entitled to vary or terminate the appointment of any Agent and/or appoint additionalor other Agents and/or approve any change in the specified office through which any Agent acts,provided that:

(a) there will at all times be a Fiscal Agent and a Registrar; and

(b) with effect from the First Call Date, and so long as any Capital Securities remainoutstanding thereafter, there will be a Calculation Agent; and

(c) so long as the Capital Securities are listed on any stock exchange or admitted to listing byany other relevant authority, there will at all times be a Paying Agent and a Transfer Agentwith a specified office in such place as may be required by the rules and regulations of therelevant stock exchange or other relevant authority; and

(d) there will at all times be a Paying Agent in a Member State of the European Union that isnot obliged to withhold or deduct tax pursuant to European Council Directive 2003/48/EC orany law implementing or complying with, or introduced in order to conform to, suchDirective; and

(e) there will at all times be a Paying Agent and a Transfer Agent with a specified office inwestern Europe.

Any variation, termination, appointment or change shall only take effect (other than in the case ofinsolvency, when it shall be of immediate effect) after not less than 30 nor more than 45 days’prior notice thereof shall have been given to the holders of the Capital Securities in accordancewith Condition 15 (Notices).

In acting under the Agency Agreement, the Agents act solely as agents of the Issuer and do notassume any obligation to, or relationship of agency or trust with, any holders of the CapitalSecurities. The Agency Agreement contains provisions permitting any entity into which any Agentis merged or converted or with which it is consolidated or to which it transfers all or substantiallyall of its assets to become the successor paying agent.

9. REDEMPTION AND VARIATION

9.1 Redemption and variation

(a) No Fixed Redemption Date and Conditions for Redemption and Variation

The Capital Securities are perpetual securities in respect of which there is no fixedredemption date and the Issuer shall (subject to the provisions of Condition 11(Enforcement Events) and without prejudice to the provisions of Condition 13(Prescription)) only have the right to redeem the Capital Securities or vary the termsthereof in accordance with the following provisions of this Condition 9 (Redemptionand Variation).

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The redemption of the Capital Securities or variation of the Conditions, in each casepursuant to this Condition 9 (Redemption and Variation), is subject to the followingconditions:

(i) the prior approval of the Regulator;

(ii) the requirement that both at the time when the relevant notice of redemption orvariation is given and immediately following such redemption or variation (asapplicable), the Issuer is or will be (as the case may be) in compliance with theApplicable Regulatory Capital Requirements; and

(iii) (in the case of Conditions 9.1(c) (Redemption or Variation due to Taxation) or9.1(d) (Redemption or Variation for Capital Event) only) the requirement thatthe circumstance that entitles the Issuer to exercise its right of redemption orvariation is a change of law, published practice or regulation (including in thecase of Condition 9.1(d) (Redemption or Variation for Capital Event), ApplicableRegulatory Capital Requirements) in Bahrain or, in the case of Condition 9.1(c)(Redemption or Variation due to Taxation), of a Tax Jurisdiction or a change inthe interpretation of such law or regulation by any court or authority entitled todo so which change becomes, or would become, effective on or after the IssueDate,

(in the case of (i) and (ii) above only, except to the extent that the Regulator nolonger so requires).

(b) Issuer’s Call Option

Subject to Condition 9.1(a) (No Fixed Redemption Date and Conditions forRedemption and Variation), the Issuer may, by giving:

(i) not less than 30 nor more than 60 days’ prior notice to the holders of theCapital Securities in accordance with Condition 15 (Notices); and

(ii) not less than 15 days before the giving of the notice referred to in (i), notice tothe Fiscal Agent and the Registrar;

(which notices shall be irrevocable and specify the date fixed for redemption) redeemall but not some only, of the Capital Securities at the Early Redemption Amount.

Redemption of the Capital Securities pursuant to this Condition 9.1(b) (Issuer’s CallOption) may only occur on the First Call Date or any Call Date thereafter.

(c) Redemption or Variation due to Taxation

(i) Subject to Condition 9.1(a) (No Fixed Redemption Date and Conditions forRedemption and Variation), upon the occurrence of a Tax Event, the Issuer may,by giving not less than 30 nor more than 60 days’ prior notice to the FiscalAgent and the holders of the Capital Securities in accordance with Condition 15(Notices), which notices shall be irrevocable, (A) redeem all, but not some only,of the Capital Securities at the Tax Redemption Amount; or (B) vary the termsof the Capital Securities so that they become or, as appropriate, remain,Qualifying Tier 1 Instruments, in each case without any requirement for consentor approval of the holders of the Capital Securities.

(ii) Redemption of the Capital Securities, or variation of the Conditions, pursuant tothis Condition 9.1(c) (Redemption or Variation due to Taxation) may occur onany date on or after the Issue Date (whether or not a Distribution PaymentDate), provided that no such notice of redemption shall be given earlier than90 days prior to the earliest date on which the Issuer would be obliged to paysuch additional amounts were a payment in respect of the Capital Securities thendue.

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(iii) Prior to the publication of any notice of redemption or variation (as the casemay be) pursuant to this Condition 9.1(c) (Redemption or Variation due toTaxation), the Issuer shall give to the Fiscal Agent: (A) a certificate signed bytwo Directors of the Issuer stating that: (I) the conditions set out in Condition9.1(a) (No Fixed Redemption Date and Conditions for Redemption andVariation) have been satisfied; (II) a Tax Event has occurred; and (III) in thecase of a variation only, the varied Capital Securities are Qualifying Tier 1Instruments and that the Regulator has confirmed that they satisfy limb (a) ofthe definition of Qualifying Tier 1 Instruments; and (B) an opinion ofindependent legal advisors of recognised standing to the effect that the Issuerhas or will become obliged to pay Additional Amounts as a result of the TaxEvent. Such certificate delivered in accordance with this Condition shall beconclusive and binding evidence of the satisfaction of the conditions precedentset out above. Upon expiry of such notice, the Issuer shall redeem or vary theterms of the Capital Securities (as the case may be).

(d) Redemption or Variation for Capital Event

(i) Subject to Condition 9.1(a) (No Fixed Redemption Date and Conditions forRedemption and Variation), upon the occurrence of a Capital Event, the Issuershall, by giving not less than 30 nor more than 60 days’ prior notice to theholders of the Capital Securities in accordance with Condition 15 (Notices),which notice shall be irrevocable: (A) redeem all, but not some only, of theCapital Securities at the Capital Event Redemption Amount; or (B) solely forthe purpose of ensuring compliance with Applicable Regulatory CapitalRequirements vary the terms of the Capital Securities so that they become or, asappropriate, remain, Qualifying Tier 1 Instruments without any requirement forconsent or approval of the holders of the Capital Securities.

(ii) Redemption of the Capital Securities, or variation of the Conditions, pursuant tothis Condition 9.1(d) (Redemption or Variation for Capital Event) may occur onany date on or after the Issue Date (whether or not a Distribution PaymentDate).

(iii) At the same time as the delivery of any notice of redemption or variation (asthe case may be) pursuant to this Condition 9.1(d) (Redemption or Variation forCapital Event), the Issuer shall give to the Fiscal Agent a certificate signed bytwo Directors stating that: (A) the conditions set out in Condition 9.1(a) (NoFixed Redemption Date and Conditions for Redemption and Variation) have beensatisfied; (B) a Capital Event has occurred; and (C), in the case of a variationonly, the varied Capital Securities are Qualifying Tier 1 Instruments and that theRegulator has confirmed that they satisfy limb (a) of the definition of QualifyingTier 1 Instruments. Such certificate shall be conclusive and binding evidence ofthe satisfaction of the conditions precedent set out above. Upon expiry of suchnotice the Issuer shall redeem or vary the terms of the Capital Securities (as thecase may be).

(e) Taxes upon Variation

In the event of a variation in accordance with Conditions 9.1(c) (Redemption orVariation due to Taxation) or 9.1(d) (Redemption or Variation for Capital Event), theIssuer will not be obliged to pay and will not pay any liability of any holder of theCapital Securities to corporation tax, corporate income tax or tax on profits or gainsor any similar tax arising in respect of the variation of the terms of the CapitalSecurities provided that (in the case of a Tax Event) or so that (in the case of aCapital Event) they become or, as appropriate, remain, Qualifying Tier 1 Instruments,including in respect of any stamp duty or similar other taxes arising on anysubsequent transfer, disposal or deemed disposal of the Qualifying Tier 1 Instrumentsby such holder of the Capital Securities.

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9.2 Purchase

Subject to the Issuer: (a) obtaining the prior written approval of the Regulator (except to theextent that the Regulator no longer so requires); and (b) being in compliance with theApplicable Regulatory Capital Requirements, the Issuer or any of its subsidiaries, may at anytime purchase the Capital Securities at any price in the open market or otherwise. SuchCapital Securities may be held, reissued, resold or, at the option of the Issuer or, as the casemay be, its subsidiaries surrendered to any Agent for cancellation.

9.3 Cancellation

All Capital Securities which are redeemed will forthwith be cancelled. All Capital Securitiesso cancelled and any Capital Securities purchased and cancelled pursuant to Condition 9.2(Purchase) above shall be forwarded to the Fiscal Agent and cannot be reissued or resold.

10. WRITE-DOWN AT THE POINT OF NON-VIABILITY

If a Non-Viability Event occurs, on the third Business Day following the occurrence of such Non-Viability Event, the Issuer will notify the holders of the Capital Securities thereof in accordancewith Condition 15 (Notices) (a Non-Viability Notice). Upon provision of such Non-ViabilityNotice, a Write-down of the Capital Securities shall take place on the Non-Viability Event Write-down Date.

Following any Write-down of the Capital Securities in accordance with this Condition 10: (a)references in these Conditions to the “principal amount” or “outstanding principal amount” of theCapital Securities shall be construed accordingly; (b) the principal amount so written down will becancelled and interest will continue to accrue only on the outstanding principal amount followingsuch reduction, subject to Conditions 6.1 (Non-Payment Event) and 6.2 (Non-Payment Election) asdescribed herein; and (c) any amounts so written down may not be restored and holders of theCapital Securities shall not have any claim thereto under any circumstances, including, withoutlimitation (i) where the relevant Non-Viability Event is no longer continuing, (ii) in the event ofthe liquidation or winding-up of the Issuer, (iii) following the exercise of a call option by theIssuer pursuant to Condition 9.1(b) (Issuer’s Call Option), or (iv) following the redemption orvariation of the Capital Securities upon the occurrence of a Tax Event (pursuant to Condition9.1(c) (Redemption or Variation due to Taxation)) or a Capital Event (pursuant to Condition 9.1(d)(Redemption or Variation for Capital Event)).

Any such Write-down shall not constitute an Enforcement Event.

It is the Issuer’s current intention that a Write-down will take place: (1) after the common sharesin the Issuer absorb losses (if and to the extent such loss absorption is permitted at the relevanttime under all relevant rules and regulations applicable to the Issuer at such time) and theRegulator has not notified the Issuer in writing that the relevant Non-Viability Event has beencured as a result of such loss absorption; (2) pro rata and pari passu with the write-down of anyLoss Absorbing Instruments (as defined below), and (3) prior to the write-down or write-off of anyof the Issuer’s other obligations in respect of Tier 2 Capital (as defined below) and any othernotes and other instruments related to the Issuer’s other obligations constituting Tier 2 Capital.However, the Issuer may at any time depart from this policy at its sole discretion.

Loss Absorbing Instrument means at any time any instrument that is outstanding at the time ofsuch Write-down (other than the Capital Securities and the Ordinary Shares) issued directly orindirectly by the Issuer which at such time (a) are Pari Passu Obligations and qualify as Tier 1Capital of the Group; and (b) which also have all or some of its principal amount written-down(in accordance with its conditions or otherwise) on the occurrence, or as a result, of a Non-Viability Event or substantially similar event; and

Tier 2 Capital means capital qualifying as, and approved by the Regulator, tier 2 capital inaccordance with the Capital Regulations.

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11. Enforcement Events

Notwithstanding any of the provisions below in this Condition 11, the right to institute winding-upproceedings is limited to circumstances where payment has become due. In the case of anypayment of distributions in respect of the Capital Securities, such payment may be cancelledpursuant to Condition 6 (Distribution Restrictions) and, if so cancelled will not be due on therelevant payment date and, in the case of payment of principal, such payment is subject to theconditions set out in Condition 9.1(a) (Redemption and Variation – No Fixed Redemption Date andConditions for Redemption and Variation) being met and if these conditions are not met will notbe due on such payment date.

Upon the occurrence of an Enforcement Event, any holder of the Capital Securities may givewritten notice to the Issuer at the specified office of the Fiscal Agent, effective upon the date ofreceipt thereof by the Fiscal Agent, that such Capital Security is due and payable, whereupon thesame shall, subject to Condition 9.1 (Redemption and variation), become forthwith due and payableat its Early Redemption Amount, together with accrued distributions (if any) to the date ofrepayment without presentation, demand, protest or other notice of any kind.

To the extent permitted by applicable law and by these Conditions, any holder of the CapitalSecurities may at its discretion institute proceedings for the winding-up of the Issuer and/or provein the winding-up of the Issuer and/or claim in the liquidation of the Issuer for such payment, butthe institution of such proceedings shall not have the effect that the Issuer shall be obliged to payany sum or sums sooner than would otherwise have been payable by it.

No remedy against the Issuer, other than the institution of the proceedings referred to in thisCondition, and the proving or claiming in any dissolution and liquidation of the Issuer, shall beavailable to the holders of the Capital Securities, whether for the recovering of amounts owing inrespect of the Capital Securities or in respect of any breach by the Issuer of any other obligation,condition or provision binding on it under the Capital Securities.

12. TAXATION

All payments of principal and distributions in respect of the Capital Securities by the Issuer willbe made without withholding or deduction for or on account of any present or future taxes orduties of whatever nature imposed or levied by or on behalf of the Tax Jurisdiction (Taxes) unlesssuch withholding or deduction is required by law. In such event, the Issuer will pay suchadditional amounts as shall be necessary in order that the net amounts received by the holders ofthe Capital Securities after such withholding or deduction shall equal the respective amounts ofprincipal and distributions which would otherwise have been receivable in respect of the CapitalSecurities (as the case may be), in the absence of such withholding or deduction (AdditionalAmounts); except that no such additional amounts shall be payable with respect to any CapitalSecurity:

(a) presented for payment by or on behalf of a holder who is liable for such taxes or duties inrespect of such Capital Security by reason of his having some connection with the TaxJurisdiction other than the mere holding of such Capital Security; or

(b) presented for payment more than 30 days after the Relevant Date (as defined below) exceptto the extent that the holder thereof would have been entitled to an additional amount onpresenting the same for payment on such 30th day assuming that day to have been aPayment Day; or

(c) where such withholding or deduction is imposed on a payment to an individual and isrequired to be made pursuant to European Council Directive 2003/48/EC or any lawimplementing or complying with, or introduced in order to conform to, such Directive;

(d) presented for payment by or on behalf of a holder who would be able to avoid suchwithholding or deduction by presenting the relevant Capital Security to another Paying Agentin a Member State of the European Union; or

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(e) for or on account of any withholding or deduction arising under or in connection with anyagreement described in Section 1471(b) of the Code or otherwise imposed pursuant toSections 1471 through 1474 of the Code, any regulations or agreements thereunder, officialinterpretations thereof or any law in any jurisdiction implementing any intergovernmentalapproach thereto.

As used in these Conditions:

(i) Tax Jurisdiction means Bahrain or any political subdivision or any authority thereof ortherein having power to tax; and

(ii) the Relevant Date means the date on which such payment first becomes due, except that, ifthe full amount of the moneys payable has not been duly received by the Fiscal Agent on orprior to such due date, it means the date on which, the full amount of such moneys havingbeen so received, notice to that effect is duly given to the holders of the Capital Securitiesin accordance with Condition 15 (Notices).

13. PRESCRIPTION

Subject to applicable law, claims for payment in respect of the Capital Securities will become voidunless made within a period of ten years (in the case of principal) and five years (in the case ofdistributions) after the Relevant Date therefor.

14. REPLACEMENT OF CAPITAL SECURITIES

Should any Capital Security be lost, stolen, mutilated, defaced or destroyed, it may be replaced atthe specified office of the Replacement Agent upon payment by the claimant of such costs andexpenses as may be incurred in connection therewith and on such terms as to evidence andindemnity as the Issuer and the Replacement Agent may reasonably require. Mutilated or defacedCapital Securities must be surrendered before replacements will be issued.

15. NOTICES

All notices to the holders of the Capital Securities will be valid if mailed to them at theirrespective addresses in the register of the holders of the Capital Securities maintained by theRegistrar. The Issuer shall also ensure that notices are duly given or published in a manner whichcomplies with the rules and regulations of any stock exchange or other relevant authority on whichthe Capital Securities are for the time being listed. Any notice shall be deemed to have been givenon the second day after being so mailed or on the date of publication or, if so published morethan once or on different dates, on the date of the first publication.

For so long as all the Capital Securities are represented by the Global Certificate and the GlobalCertificate is held on behalf of Euroclear and/or Clearstream, Luxembourg, notices may be givenby delivery of the relevant notice to those clearing systems for communication to the holders ratherthan by publication and delivery except that, so long as the Capital Securities are listed on anystock exchange, notices shall also be published in accordance with the rules of such stockexchange. Any such notice shall be deemed to have been given on the day on which such noticeis delivered to the relevant clearing systems.

Notices to be given by any holder of the Capital Securities shall be in writing and given bylodging the same, together (in the case of any Individual Certificate) with the relative CapitalSecurity or Capital Securities, with the Registrar. Whilst any of the Capital Securities arerepresented by a Global Certificate, such notice may be given by any holder of a Capital Securityto the Registrar through Euroclear and/or Clearstream, Luxembourg (as the case may be), in suchmanner as the Registrar, and Euroclear and/or Clearstream, Luxembourg (as the case may be) mayapprove for this purpose.

16. FURTHER ISSUES

The Issuer may from time to time without the consent of the holders of the Capital Securities,create and issue further instruments ranking pari passu in all respects (or in all respects save for

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the date from which distributions thereon accrue and the amount and date of the first distributionsthereon (or such other equivalent amount) on such further instrument) and so that such furtherissue shall be consolidated and form a single series with the outstanding Capital Securities.References in these Conditions to the Capital Securities include (unless the context requiresotherwise) any other securities issued pursuant to this Condition and forming a single series withthe Capital Securities.

17. MEETINGS OF HOLDERS OF THE CAPITAL SECURITIES AND MODIFICATION

The Agency Agreement contains provisions for convening meetings of the holders of the CapitalSecurities to consider any matter affecting their interests, including the sanctioning byExtraordinary Resolution of a modification of the Capital Securities or any of the provisions of theAgency Agreement. Such a meeting may be convened by the Issuer and shall be convened by theIssuer if required in writing by holders of the Capital Securities holding not less than ten per cent.in nominal amount of the Capital Securities for the time being remaining outstanding. The quorumat any such meeting for passing an Extraordinary Resolution is one or more persons holding orrepresenting not less than 50 per cent. in nominal amount of the Capital Securities for the timebeing outstanding, or at any adjourned meeting one or more persons being or representing holdersof the Capital Securities whatever the nominal amount of the Capital Securities so held orrepresented, except that at any meeting the business of which includes the modification of certainprovisions of the Capital Securities (including modifying any date for distributions thereon,reducing or cancelling the amount of principal or the distributions payable in respect of the CapitalSecurities or altering the currency of payment of the Capital Securities), the quorum shall be oneor more persons holding or representing not less than two-thirds in nominal amount of the CapitalSecurities for the time being outstanding, or at any adjourned such meeting one or more personsholding or representing not less than one-third in nominal amount of the Capital Securities for thetime being outstanding. An Extraordinary Resolution passed at any meeting of the holders of theCapital Securities shall be binding on all the holders of the Capital Securities, whether or not theyare present at the meeting.

The Fiscal Agent and the Issuer may agree, without the consent of the holders of the CapitalSecurities, to:

(a) any modification (except as mentioned above) of the Capital Securities or the AgencyAgreement which is not prejudicial to the interests of the holders of the Capital Securities;or

(b) any modification of the Capital Securities or the Agency Agreement which is of a formal,minor or technical nature or is made to correct a manifest or proven error or to comply withmandatory provisions of the law.

Any such modification shall be binding on the holders of the Capital Securities and any suchmodification shall be notified to the holders of the Capital Securities in accordance withCondition 15 (Notices) as soon as practicable thereafter.

18. CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999

No rights are conferred on any person under the Contracts (Rights of Third Parties) Act 1999 toenforce any term of these Conditions, but this does not affect any right or remedy of any personwhich exists or is available apart from that Act.

19. GOVERNING LAW AND DISPUTE RESOLUTION

19.1 Governing law

The Agency Agreement and the Capital Securities (except for Condition 4.2 (Status,Subordination – Subordination of the Capital Securities)), and any non-contractual obligationsarising out of or in connection with the Agency Agreement and the Capital Securities aregoverned by, and shall be construed in accordance with, English law. Condition 4.2 (Status,Subordination – Subordination of the Capital Securities) is governed by, and shall beconstrued in accordance with, the laws of Bahrain.

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19.2 Arbitration

Subject to Condition 19.3 (Court of law), any dispute, claim, difference or controversyarising out of, relating to or having any connection with the Capital Securities (including anydispute, claim, difference or controversy relating to any non-contractual obligations arisingout of or in connection with the Capital Securities; and any dispute, claim, difference orcontroversy regarding their existence, validity, interpretation, performance, breach ortermination or the consequences of their nullity) (a Dispute) shall be referred to and finallyresolved by arbitration under the LCIA Arbitration Rules (the Rules), which Rules (asamended from time to time) are incorporated by reference into this Condition 19.2. For thesepurposes:

(a) the seat of arbitration will be London;

(b) there shall be three arbitrators, each of whom shall be disinterested in the arbitration,shall have no connection with any party thereto and shall be an attorney experiencedin international securities transactions; and

(c) the language of the arbitration shall be English.

19.3 Court of law

Notwithstanding Condition 19.2 (Arbitration) above, any holder of the Capital Securitiesmay, in the alternative, and at its sole discretion, by notice in writing to the Issuer:

(a) within 28 days of service of a Request for Arbitration (as defined in the Rules); or

(b) in the event no arbitration is commenced,

require that a Dispute be heard by a court of law. If any holder of the Capital Securitiesgives such notice, the Dispute to which such notice refers shall be determined in accordancewith Condition 19.4 (Submission to jurisdiction) and, subject as provided below, anyarbitration commenced under Condition 19.2 (Arbitration) in respect of that Dispute will beterminated. Each of the parties to the terminated arbitration will bear its own costs inrelation thereto.

If any notice to terminate the arbitration in accordance with this Condition 19.3 is givenafter service of any Request for Arbitration in respect of any Dispute, the holder of theCapital Securities must also promptly give notice to the LCIA Court and to any Tribunal(each as defined in the Rules) already appointed in relation to the Dispute that such Disputewill be settled by the courts. Upon receipt of such notice by the LCIA Court, the arbitrationand any appointment of any arbitrator in relation to such Dispute will immediately terminate.Any such arbitrator will be deemed to be functus officio. The termination is withoutprejudice to:

(a) the validity of any act done or order made by that arbitrator or by the court insupport of that arbitration before his appointment is terminated;

(b) his entitlement to be paid his proper fees and disbursements; and

(c) the date when any claim or defence was raised for the purpose of applying anylimitation bar or any similar rule or provision.

19.4 Submission to jurisdiction

In the event that a notice pursuant to Condition 19.3 (Court of law) is issued, the followingprovisions shall apply:

(a) subject to paragraph (c) below, the courts of England shall have exclusive jurisdictionto settle any Dispute and the Issuer submits to the exclusive jurisdiction of suchcourts;

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(b) the Issuer agrees that the courts of England are the most appropriate and convenientcourts to settle any Dispute and, accordingly, that it will not argue to the contrary; and

(c) this Condition 19.4 is for the benefit of the holders of the Capital Securities only. Asa result, and notwithstanding paragraph (a) above, any holder of the Capital Securitiesmay take proceedings relating to a Dispute (Proceedings) in any other court withjurisdiction. To the extent allowed by law, any holder of the Capital Securities maytake concurrent Proceedings in any number of jurisdictions.

19.5 Appointment of Process Agent

The Issuer appoints Ahli United Bank (UK) PLC (attention of: Corporate Secretary) at itsregistered office at 35 Portman Square, London W1H 6LR as its agent for service ofprocess, and undertakes that, in the event of Ahli United Bank (UK) PLC ceasing so to actor ceasing to be registered in England, it will immediately (and in any event within 30 daysof the event taking place) appoint another person as its agent for service of process inEngland in respect of any Proceedings or Disputes. Failure by a process agent to notify theperson that appointed it of any process will not invalidate the relevant proceedings. Nothingherein shall affect the right to serve process in any other manner permitted by law.

19.6 Waiver of immunity

The Issuer hereby irrevocably and unconditionally waives with respect to the CapitalSecurities any right to claim sovereign or other immunity from jurisdiction or execution andany similar defence and irrevocably and unconditionally consents to the giving of any reliefor the issue of any process, including without limitation, the making, enforcement orexecution against any property whatsoever (irrespective of its use or intended use) of anyorder or judgment made or given in connection with any Proceedings or Disputes.

19.7 Other documents

The Issuer has in the Agency Agreement submitted to the jurisdiction of the English courtsand to arbitration and appointed an agent for service of process in terms substantially similarto those set out above.

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USE OF PROCEEDS

The net proceeds from the issue of Capital Securities will be applied by the Issuer for its generalcorporate purposes.

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DESCRIPTION OF THE ISSUER

History and Development

Ahli United Bank B.S.C. (AUB or the Issuer) was established in Bahrain on 31 May 2000following a merger between The United Bank of Kuwait PLC (UBK) and Al-Ahli CommercialBank B.S.C. (ACB) pursuant to which UBK and ACB each became wholly-owned subsidiaries ofthe Issuer. UBK and ACB were incorporated in 1966 and 1977 and have been operating since theirincorporation from their bases in the United Kingdom and Bahrain respectively. The Issuer wasoriginally incorporated in Bahrain as a closed company and was converted into a publicshareholding company on 12 July 2000 by Amiri Decree Law 16/2000. The Issuer is regulated bythe Central Bank of Bahrain (CBB) and operates under a retail banking licence issued under theCBB’s integrated licensing framework. The Issuer is registered under commercial registrationnumber 46348. The registered office of the Issuer is Ahli United Bank B.S.C., Building 2495,Road 2832, Al Seef District 428, P.O. Box 2424, Manama, Kingdom of Bahrain, and its telephonenumber is (+973) 17 585858.

The Issuer, along with its subsidiaries and associates, forms the AUB group (the Group), whichprovides retail banking, corporate banking, treasury and investments and private banking and wealthmanagement services. The Group also offers Islamic banking services in certain countries under theAl Hilal brand name. The Group’s business is conducted through various companies acquired orincorporated by the Group in Bahrain, the United Kingdom, Kuwait, Egypt, Iraq, Oman and Libya(see “Group Structure” and “Group Companies” below).

The Issuer is the largest retail bank registered in Bahrain by total consolidated assets with totalassets of U.S.$33.4 billion as at 31 December 2014.

Details of the Issuer’s share capital as at 31 December 2014 are given below:

Class of Shares Details

Ordinary Authorised share capital of U.S.$2 billion comprising 8 billion ordinaryshares shares with a par value of U.S.$0.25 each.

As at 31 December 2014, the Issuer had issued fully paid ordinary sharecapital of 6,121.9 million shares of U.S.$0.25 each (5,662.2 million sharesof U.S.$0.25 each as at 31 December 2013). During 2014, IFC convertedU.S.$100 million of optionally convertible subordinated debt into ordinaryshares of the Issuer at an effective conversion price of U.S.$84.31 centsper share, translating into the issue of 118,609,884 ordinary shares of theIssuer.

The Issuer has a number of institutional and corporate shareholders that are based in the GCC. Asat 31 December 2014, the Public Institution for Social Security, Kuwait (a pension fund in Kuwaitand a quasi-governmental organisation), was the largest shareholder with 18.93 per cent. (including1.50 per cent. held by Wafra International Investment (a wholly-owned subsidiary of PIFSS), andthe Social Insurance Organisation of Bahrain (a pension fund in Bahrain) was the second largestshareholder with 9.99 per cent. As at 31 December 2014 IFC (along with IFC Capitalisation(Equity) Fund LP) owned a 5.16 per cent. stake in the Issuer. Total institutional shareholding inthe Issuer as at 31st December 2014 was 66.71 per cent.

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The table below shows the Issuer’s key institutional shareholders as at 31 December 2014:

Rank Name/Entity Nationality % Ownership

1 Public Institution for Social Security Kuwait 18.93*2 Social Insurance Organisation Bahrain 9.993 Tamdeen Investment Company Kuwait 7.624 International Finance Corporation USA 5.165 Global Express Bahrain 3.996 Kuwait Insurance Company Kuwait 2.347 General Retirement and Pension Authority Qatar 1.098 Other Institutional Shareholders Various 17.59

Total Institutional Shareholding 66.71* including 1.50 per cent. shareholding held by Wafra International Investment, a wholly-owned subsidiary of PIFSS)

IFC Investment in the Group

The Group has a strategic partnership with the International Finance Corporation (the IFC), whichis part of the World Bank. The relationship began in 2006 when the IFC granted the Issuer aU.S.$200 million optionally convertible subordinated loan facility. Since then, the IFC has investedin the Issuer as well as in the Group entities, Ahli United Bank Egypt S.A.E., Commercial Bankof Iraq PSC and Ahli Bank S.A.O.G. The details of the IFC’s investments in the Group areprovided below:

IFC Investments in the IssuerAmountInvested

Investor Year Instrument (U.S.$ million)

IFC 2006 200

IFC Capitalisation 2011 125(Equity) Fund L.P.

IFC Capitalisation 2011 Subordinated debt 165(Subordinated Debt)Fund L.P.

Total 490

Preference shares, mandatorilyconvertible into ordinary shares inthe Issuer.

During 2013, IFC Capitalisation(Equity) Fund L.P. elected toconvert the mandatorilyconvertible preference shares intoAUB ordinary shares ahead oftheir prescribed mandatoryconversion date, and was issued167,045,454 new AUB ordinaryshares on 9 October 2013.

Subordinated debt, convertible intoordinary shares in the Issuer atthe option of IFC.

During 2014, IFC elected toconvert U.S.$100 million ofoptionally convertible subordinateddebt into AUB ordinary sharesand was issued 118,609,884 newAUB ordinary shares on26 November 2014.

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IFC Equity Investments in Group EntitiesAUB Group entity Country IFC shareholding

Ahli Bank (Egypt) S.A.E. ............................... Egypt 10.0%Commercial Bank of Iraq PSC ........................ Iraq 4.9%Ahli Bank SAOG. .............................................. Oman 9.9%

Awards

The Issuer was awarded: “Best Bank in Middle East – 2012”, “Best Bank in Bahrain – 2014” and“Best Private Bank, Bahrain – 2014” by Euromoney; “Best Regional Bank – GCC 2014” byCapital Financial International; “Best Trade Finance Provider in Bahrain – 2012”, “Best EmergingMarket Bank in Bahrain – 2014” and “Best Foreign Exchange Provider in Bahrain – 2015” byGlobal Finance; “Bank of the Year – Bahrain – 2014” by The Banker magazine; “Best Local Bank,Bahrain – 2014” by EMEA Finance Magazine; and “Elite Quality Recognition Award – 2013” byJP Morgan Chase in recognition of its achievements.

Mission and Objectives

The Group is committed to providing a high standard of service to meet the needs of its clients,fulfilment and professional development opportunities for its staff and delivering shareholder value.To this end, the Group has established seven core objectives throughout its operations:

• to maximise shareholder value on a sustainable basis;

• to maintain the highest international standards of corporate governance and regulatorycompliance;

• to maintain solid capital adequacy and liquidity ratios;

• to entrench a disciplined risk and cost management culture;

• to develop a cross-cultural meritocratic management structure;

• to optimise staff development through business-driven training and profit-related incentives;and

• to contribute to the social and economic advancement of the communities in which theGroup operates.

Strategy

In implementing these core objectives, the Group’s strategy is to develop a diversified financialservices group centred on commercial banking, investment banking, private banking and assetmanagement with an enhanced Shari’a-compliant business focus. These financial services areprovided through the four banking divisions mentioned under “Business Divisions” below.

The Group seeks to develop an integrated regional financial services group in its core markets ofKuwait, Bahrain, Oman, Qatar, Saudi Arabia, the United Arab Emirates (UAE) and Iraq (the coremarkets) through organic growth, mergers and acquisitions. Of these markets, the Group has apresence in Bahrain, Kuwait, Oman and Iraq. The Group’s strategy is to acquire and developbanking platforms in other, secondary markets located primarily in the MENA region, such as inEgypt and Libya, and in the United Kingdom. The Group targets these markets because of theireconomic and cultural similarities with the Issuer’s core markets (such as Libya), because theyfacilitate cross-border business with the Issuer’s core markets (such as Egypt) or because ofconnections with the Group’s existing secondary markets. The Group’s United Kingdom operationsalso provide the Group with a platform to access markets within the Organisation for EconomicCo-operation and Development (OECD).

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The Group is also seeking to establish operations in Switzerland as a second non-regional bankingarm to complement and develop the private banking and wealth management division of its UnitedKingdom operations and to promote the diversification of the Group’s funding base and risk assetportfolio.

In February 2013, the Group completed the sale of its 29.4 per cent. shareholding in its associate,Ahli Bank Qatar, to the Qatar Foundation for Education, Science & Community Development at aprice of QR 60 per share and for a total consideration of U.S.$615.9 million, generating a netprofit of U.S.$212.9 million. The disposal of the Issuer’s stake in Ahli Bank Qatar was anexceptional event which was driven by legal factors and is not indicative of a change to theIssuer’s regional expansion strategy.

The Group seeks to follow a conservative credit strategy which is sensitive to the developments infinancial markets and to have systems in place to identify early indicators of potential difficulties,so that the Group can promptly take remedial action for any problematic accounts. This hascontributed to the Group delivering consistent profit performance in spite of global and regionalmarket disturbances (see “Competitive Strengths – Consistent Profitability” below).

In each of its business areas, the Group aims to achieve stable and sustainable earnings, improveoperational competitiveness, sustain a high quality of customer service and focus on intelligent costspends and enhancing productivity, in each case within a strong risk management framework. TheIssuer believes that the Group is well placed to offer a comprehensive range of services to a widecustomer base in its operating markets.

Group Structure

The diagram below shows the Issuer’s shareholdings in each of its principal subsidiaries andassociated companies as at 31 December 2014:

As at 31 December 2014, the Group, through its subsidiaries and associates, operated through anetwork of 135 branches and employed 3,416 people across its network of branches andrepresentative offices.

Business Divisions

The Group’s operations are divided into four core business divisions, all of which offer Islamicfinance products, which are as follows:

AHLI UNITED BANK BSC(“AUB”)

Ahli United Bank(UK) PLC

100.0%

UBCI(Libya)40.0%

Ahli Bank SAOG(Oman)35.0%

KMEFIC(Kuwait)

62.7%

L&G Gulf(Bahrain)

50.0%

Ahli United Bank(Egypt) SAE

85.4%

Commercial Bankof Iraq PSC

74.3%

Ahli United BankK.S.C.P. (Kuwait)

74.9%

• Incorporated 2000• CBB regulated• 21 branches in Bahrain (5 Shari’a Compliant)

• Incorporated 2007• CBL regulated• 12 branches in Libya

• Incorporated 1997• CBO regulated• 19 branches in Oman• (7 Shari’a compliant)

• Incorporated 2009• CBB regulated• Conventional & Takaful• insurance providers

• Incorporated 1984• CBK regulated• Kuwait & KSA• operations

• Incorporated 1978• CBE regulated• 34 branches in Egypt

• Incorporated 1966 as United• Bank of Kuwait Plc• PRA & FCA regulated

• Incorporated 1992• CBI regulated• 10 branches in Iraq

• Established in 1941. Re-• incorporated 1971 as Bank of• Kuwait & Middle East• CBK regulated• 37 branches in Kuwait (All• Shari’a compliant)

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Corporate Banking

The Group’s Corporate Banking division is responsible for the Issuer’s more capital-intensiveactivities in risk asset generation and includes Corporate Loans, Trade Finance, CommercialProperty Finance and Specialised Finance. The division principally handles loans and other creditfacilities, deposit and current accounts for corporate and institutional customers.

Treasury and Investments

The Group’s Treasury and Investments division is responsible for the Issuer’s more capital-intensiveactivities in risk asset generation and funding through Treasury and Investment related activities. Italso provides money market, trading and treasury services, and is responsible for the managementof the Group’s funding.

Retail Banking

The Group’s Retail Banking division principally handles individual customers’ deposits andprovides current accounts, savings plans, savings certificates, time deposits (both treasury depositsand call deposits), loans (consumer, mortgage and auto loans), credit card products, internet andSMS banking.

The Retail Banking division seeks to leverage its business model across the markets with the aimof establishing a standard range of products with centralisation of back office functions to enhancesales and service and deliver balance sheet growth and profitability across the regional network.

Private Banking and Wealth Management

The Group’s Private Banking and Wealth Management division is less capital intensive andprincipally services high net worth clients and provides private banking services (includinginvestment products, trust services and real estate investment services), asset management services,real estate fund management services and Islamic finance products.

The division has alliances with firms such as Franklin Templeton, Mellon Global Investments,Henderson Global Investors, Russell Investment Group, Allfunds Bank, Aviva Investors, Jones LangLaSalle, MapleTree (a subsidiary of Temasek) and Man Investments. Such alliances allow theGroup to provide a wide range of products in the areas of asset management and real estate fundmanagement to its institutional and high net worth clients. The division also provides specificexpertise in risk profiling, asset allocation, product selection and due diligence. The division seeksto launch new, diversified products to meet its clients’ requirements.

Islamic Finance

The Group provides Shari’a-compliant banking products and services through its dedicated Islamicbanking subsidiary, Ahli United Bank K.S.C.P., through Ahli United Bank (UK) PLC and throughthe Issuer itself in Bahrain across its core business divisions. In April 2010, the Bank of Kuwaitand the Middle East was converted into a fully Shari’a-compliant Islamic banking institution andwas re-branded as Ahli United Bank K.S.C. In the first quarter of 2013, the Group also launchedIslamic banking services through its associate in Oman, Ahli Bank S.A.O.G., by establishing sevenIslamic banking branches, adding to the five Islamic banking branches it has established inBahrain.

The Group has its own Shari’a Board comprising prominent Islamic scholars, and has installed anintegrated IT system to process Islamic banking products. Islamic banking services were formallyestablished under the Group brand name, Al-Hilal, and a range of Shari’a-compliant products arenow available for the Group’s corporate, commercial and consumer customers. The Group alsooffers ancillary Shari’a-compliant insurance products through Legal & General Gulf TakafulB.S.C.(c), a joint venture with Legal & General Gulf B.S.C.(c).

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Competitive Strengths

Well established and geographically diverse, controlling operations in high-growth countries

The Group’s core markets have significant social, economic and cultural similarities, and are alsogeographically proximate to one another. Hydrocarbon production and substantial proven reserves inthe Group’s core markets contribute to large development spending programmes and wealth creationopportunities. Further geographic diversification is provided by the Group’s secondary markets (inparticular, the United Kingdom, Egypt and Libya), which have strong and established business linkswith the core markets. The average of the bank credit to GDP ratios in the Group’s core andsecondary markets is estimated to be below 50 per cent., which is low by international standardsand, in the Issuer’s opinion, reflects considerable opportunities for further penetration. The Issuerbelieves that this, coupled with a young and growing population and an expanding middle class,will provide significant opportunities for the Group.

In line with the Group’s strategy of expansion into its core markets, it applied in March 2015 fora Category 1 Banking License in the Dubai International Financial Centre (DIFC). Once the Groupobtains the DIFC’s clearance, it proposes to set up a wholly owned subsidiary in DIFC.

The Group benefits from its position in the United Kingdom as this facilitates the provision ofbanking services to the Group’s overseas clients for investment and acquisitions of secondaryresidences in the United Kingdom, as well as the provision of banking services to Group clientsbased in the United Kingdom. The Group’s presence in the United Kingdom also provides theGroup with a platform to access markets within the OECD and to facilitate cross-border businessand/or investment with the MENA region.

Consistent profitability

The Issuer has been consistently profitable since its incorporation in 2000, even during the currentglobal economic slowdown and the regional civil uprisings in Bahrain and in certain MENAcountries (see “Selected Financial Information – Selected Financial Review”). The Issuer’scontinued profitability can be attributed, amongst other things, to the bank’s geographicaldiversification, thereby reducing single market reliance, and its conservative approach to lendingand provisioning. This is evidenced by the Issuer’s long-term debt rating being higher than thesovereign debt rating attributed to Bahrain, as rated by Fitch, Standard & Poor’s and CapitalIntelligence.

For year ended 31 December 2014, 87.0 per cent. of the Issuer’s net profits attributable to ownersof the Issuer were generated outside Bahrain as shown in the table below:

Contributionto AUB’s % of AUB’s

2014 2014Consolidated Consolidated

Group Entity Country Profits Profits

Subsidiaries (U.S.$ million)

Ahli United Bank K.S.C.P........................................................... Kuwait 123.5 25.6Ahli United Bank B.S.C. (Offshore)*........................................ Offshore 175.7 36.4Ahli United Bank B.S.C. (Onshore) ........................................ Bahrain 62.6 13.0Ahli United Bank (Egypt) S.A.E. ............................................ Egypt 44.0 9.1Ahli United Bank (UK) plc ...................................................... UK 49.0 10.2Commercial Bank of Iraq PSC ................................................ Iraq 5.7 1.2

Associates & Joint VenturesAhli Bank Oman S.A.O.G........................................................... Oman 22.8 4.7United Bank for Commerce and Investment S.A.C. .............. Libya (1.0) (0.2)Legal & General Gulf B.S.C.(c) .............................................. Bahrain 0 0AUB Group Consolidated Net Profit Attributable toowners of the Issuer .................................................................. 482.5 100

* Includes consolidation adjustments and group adjustments for following uniform accounting policies. Offshore contributionincludes Qatar (40 per cent.), United Arab Emirates (20 per cent.), Other GCC (12 per cent.) and Rest of the World (28 percent.)

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For year ended 31 December 2014, 36.4 per cent. of Issuer’s profits were generated on account ofassets booked in various countries, primarily GCC from the Issuer’s headquarters in Bahrain. Thebreakdown of offshore profits by risk country is shown below:

Contributionto AUB’s % of AUB’s

2014 2014Consolidated Consolidated

Country Profits Profits

(U.S.$ million)

Qatar ........................................................................................................................ 69.4 14.4UAE ........................................................................................................................ 34.8 7.2Egypt ...................................................................................................................... 11.7 2.4Oman ...................................................................................................................... 9.6 2.0OECD ...................................................................................................................... 8.8 1.8Kuwait .................................................................................................................... 6.5 1.4Iraq .......................................................................................................................... 5.6 1.2Saudi Arabia .......................................................................................................... 4.5 0.9Others ...................................................................................................................... 24.8 5.1Total Offshore Net Profit Attributable to owners of the Issuer .............. 175.7 36.4

Issuer’s net profits by geography are shown below:

Contributionto AUB’s % of AUB’s

2014 2014Consolidated Consolidated

Region Profits Profits

(U.S.$ million)

GCC ........................................................................................................................ 333.6 69.1Other Middle East and North Africa*................................................................ 66.1 13.7OECD ...................................................................................................................... 57.8 12.0Rest of the World.................................................................................................. 24.8 5.1AUB Group Consolidated Net Profit Attributable to ownersof the Issuer.......................................................................................................... 482.5 100* Includes Egypt, Iraq and Libya

Well-capitalised balance sheet with a diversified funding base

As at 31 December 2014, the Group had a capital adequacy ratio under Basel II standards of 15.5per cent. This is above the CBB mandated internal target capital adequacy ratio of 12.5 per cent.The CBB issued its final rulebook on Basel III implementation in Bahrain, which was implementedon 1 January 2015. As at 31 December 2014, using the CBB Basel III transitional criteria asapplicable from 1 January 2015, the Group’s capital adequacy ratio under Basel III standards stoodat 15.3 per cent which is above the CBB mandated capital adequacy ratio of 12.5 per cent. TheGroup’s funding sources are diverse and as at 31 December 2014, the funding sources mainlycomprised customer deposits (68.8 per cent.), interbank deposits (13.5 per cent.), Repo (2.7 percent.), subordinated debt (1.0 per cent.) and equity (11.5 per cent.). As at 31 December 2013, thefunding sources mainly comprised customer deposits (67.5 per cent.), interbank deposits (13.4 percent.), Repo (3.9 per cent.), subordinated debt (2.0 per cent.) and equity (10.9 per cent.). As of31 December 2012, mainly comprised customer deposits (62.8 per cent.), interbank deposits (15.4per cent.), Repo (6.2 per cent.), subordinated debt (2.3 per cent.) and equity (10.6 per cent.).

High quality, diversified and low-risk asset portfolio

The Group’s geographic diversification contributes to a diversified asset portfolio. The Group seeksto adopt conservative lending policies with the aim of ensuring that the portfolio remains low risk,with a non-performing loans (NPL) ratio below that of the Group’s regional peers. As at31 December 2014, the Group’s NPL ratio was 2.0 per cent., its specific provision coverage ratiowas 83.8 per cent. and its total provision coverage ratio was 159.4 per cent. As at 31 December2013, the Group’s NPL ratio was 2.3 per cent., its specific provision coverage ratio was 86.1 per

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cent. and its total provision coverage ratio was 155.5 per cent. As at 31 December 2012, theGroup’s NPL ratio was 2.2 per cent., its ratio of specific provision/gross impaired loans (specificprovision coverage ratio) was 86.5 per cent. and its total provision coverage ratio was 154.7 percent.

Total assets by country for the Group as at 31 December 2014 are shown below:

Kingdom Other Arab Restof State of GCC Europe Republic Other of the

Bahrain Kuwait countries UK (ex.UK) of Egypt Asia USA world

Percentage oftotal assets .... 15.5 35.5 13.9 8.0 5.0 11.2 6.8 2.3 1.8

Total assets by country for the Group as at 31 December 2013 are shown below:

Kingdom Other Arab Restof State of GCC Europe Republic Other of the

Bahrain Kuwait countries UK (ex.UK) of Egypt Asia USA world

Percentage oftotal assets .... 15.8 33.8 13.4 9.7 6.8 10.3 3.8 4.7 1.7

Best-in-class corporate governance and risk management framework

The Group has implemented comprehensive corporate governance and prudent risk managementpolicies in accordance with local regulatory requirements. The Issuer’s Board of Directors consistsof eleven members, out of which six are independent, four are non-executive directors and one isan executive director. An annual evaluation of the performance of the Board of Directors and eachdirector is conducted on the basis of a scoring methodology. Board evaluation is conducted takinginto account the various key aspects of the framework, as laid down by HC-1 & HC- 4 Modulesof the CBB Rule Book, required to ensure an effective, collegial and informed functioning of theBoard and its Committees on a collective and individual basis in compliance with BahrainCommercial Companies Law and the CBB Regulations. This process entails an assessment andassigning scores covering these aspects to arrive at a consolidated individual Board/Committeemember and Board level score which is assessed against pre-set rating ranges. In its 2013 reviews,the Board of Directors achieved a performance rating of “Good” and each director individuallyreceived a rating of “Excellent”. No Director has entered into, either directly or indirectly, anymaterial contract with the Issuer or any of its subsidiaries, nor does any Director have any materialconflict of interest with the Issuer. The Issuer believes that its corporate governance policies havecontributed to its consistent profitability since its incorporation in 2000.

The Group’s risk management framework is detailed in “Risk Management” below.

An experienced management team with a track record of growing the business and successfullyintegrating acquisitions

The Group’s senior management team comprises officers selected for their international andregional banking experience. The majority of the Group’s senior officers have been employed bythe Issuer since it was established and collectively have long-standing experience with respect tothe banking industry and the Group’s operations. Average total experience of the Group’s seniormanagement is 30 years, including average experience of 14 years within the Group itself. TheIssuer believes this has contributed to a stable management of the Group.

A strong and supportive shareholder base

The Issuer’s largest shareholders, the Public Institution for Social Security, Kuwait and the SocialInsurance Organisation of Bahrain, are quasi-governmental bodies which have been shareholders ofthe Issuer since its inception. These shareholders have participated in all previous capital increases.

The Group also has a strategic partnership with the IFC, which has invested a total of U.S.$490million in the Issuer since the partnership began in 2006 by way of a U.S.$200 million convertiblesubordinated loan facility (of which U.S.$100 million was converted in ordinary shares in

November 2014), a U.S.$125 million investment by way of mandatorily convertible preferenceshares (which were converted into AUB ordinary shares on 9 October 2013) and a furtherU.S.$165 million subordinated debt investment.

A strong standalone investment grade rating

The Issuer has a long-term foreign currency rating of A- (stable) and a short-term foreign currencyrating of A2 (stable) from Capital Intelligence, a long-term issuer default rating of BBB+ (stable)and a short-term issuer default rating of F2 (stable) from Fitch and a long-term issuer rating ofBBB+ (stable) and a short-term issuer rating of A-2 (stable) from Standard & Poor’s.

As compared to the Issuer’s credit rating, the Bahrain sovereign long-term rating is Baa2 (Negative)from Moody’s, a long-term foreign currency rating of BBB (Negative) and a short-term foreigncurrency rating of F3 (Negative) from Fitch and a long-term foreign currency rating of BBB-(Negative) and a short-term foreign currency rating of A-3 (Negative) from Standard & Poor’s.

Group Companies

The consolidated financial statements of the Group are prepared in accordance with IFRS and inconformity with the Bahrain Commercial Companies Law and the Central Bank of Bahrain andFinancial Institutions Law. The information for Group companies provided below is extracted fromthe audited financial statements of the respective entities, where available, or the Group’saccounting records. The financial statements of the Group’s subsidiaries, Ahli United Bank (Egypt)S.A.E. and Commercial Bank of Iraq PSC and the Group’s associate United Bank for Commerceand Industries S.A.C. (Libya) are prepared in accordance with the accounting principles generallyaccepted in the respective countries and in conformity with the instructions for preparation offinancial statements by the respective central banks. The financial statements for the Group’ssubsidiaries and associates, including Ahli United Bank (UK) PLC, Ahli United Bank K.S.C.P.,Kuwait and Middle East Financial Investment Company K.S.C.P., Ahli Bank S.A.O.G. and Legal &General Gulf B.S.C.(c), are each prepared in accordance with IFRS as adopted by the respectivejurisdictions and also in conformity with respective regulatory requirements. At the Group level,adjustments are made to bring into line any dissimilar accounting policies that may exist at thesubsidiary, associate and joint venture level, including adjustments relating to IFRS 9. Ahli UnitedBank (UK) PLC adopted amendments to International Accounting Standard 19: Employee Benefitson 1 January 2013, which resulted in restatement of balances as at 1 January 2012 and31 December 2012. The numbers used in the calculation below for Ahli United Bank (UK) PLCare based on restated balances as at 31 December 2012.

Ahli United Bank (UK) PLC (United Kingdom)

The United Bank of Kuwait PLC was incorporated in the United Kingdom in June 1966 by anumber of Kuwaiti institutions to facilitate the expansion of business between institutions inKuwait and the global financial markets, and to provide clients with banking services while in theUnited Kingdom. On 31 May 2000, when the Issuer was established, the United Bank of KuwaitPLC and Al-Ahli Commercial Bank B.S.C. entered into a merger pursuant to which they eachbecame 100 per cent. subsidiaries of the Issuer. In January 2003, the United Bank of Kuwait PLCwas renamed Ahli United Bank (UK) PLC (AUB-UK).

The Issuer owns 100 per cent. of the shares in AUB-UK, which provides a wide range of bankingoperations and services for the Issuer’s clients in the United Kingdom, as well as providingaccessibility to the United Kingdom and OECD markets for the Group’s clients in the MENAregion.

AUB-UK aims to provide the services of a United Kingdom bank with an understanding of theneeds and requirements of offshore investors and clients in retail banking, commercial finance,property finance, private banking and Islamic banking.

For the year ended 31 December 2014, AUB-UK’s net profit attributable to its equity shareholdersincreased by 18.9 per cent. to U.S.$49.0 million from U.S.$41.2 million for the year ended31 December 2013, with a decrease in cost-to-income ratio to 36.6 per cent. for the year ended

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31 December 2014, from 40.3 per cent. for the year ended 31 December 2013. In addition, thereturn on average equity increased to 16.6 per cent. for the year ended 31 December 2014, from14.8 per cent. for the year ended 31 December 2013 (see “Selected Financial Information” forfurther details). As at 31 December 2014, shareholders’ equity had decreased by 0.9 per cent. toU.S.$294.7 million from U.S.$297.3 million as at 31 December 2013. As at 31 December 2014,total assets had decreased by 11.9 per cent. to U.S.$3.7 billion from U.S.$4.2 billion as at31 December 2013.

For the year ended 31 December 2013, AUB-UK’s net profit attributable to its equity shareholdersincreased by 13.2 per cent. to U.S.$41.2 million from U.S.$36.4 million for the year ended31 December 2012, with an increase in cost-to-income ratio to 40.3 per cent. for the year ended31 December 2013, from 35.6 per cent. for the year ended 31 December 2012. In addition, thereturn on average equity increased to 14.8 per cent. for the year ended 31 December 2013, from13.5 per cent. for the year ended 31 December 2012 (see “Selected Financial Information” forfurther details). As at 31 December 2013, shareholders’ equity had increased by 14.5 per cent. toU.S.$297.3 million from U.S.$259.6 million as at 31 December 2012. As at 31 December 2013,Total assets had increased by 23.5 per cent. to U.S.$4.2 billion from U.S.$3.4 billion as at31 December 2012.

Ahli United Bank K.S.C.P.

Ahli United Bank K.S.C.P. (AUBK) traces its origins to 1941 with the opening of the Kuwaitbranch of British Bank of the Middle East. It was the first bank to be established in Kuwait at atime when Kuwait and the region were starting to benefit from oil revenues. In 1971 it wasreincorporated as a Kuwaiti bank under the name of Bank of Kuwait and the Middle East(BKME).

The Issuer initially acquired a 15 per cent. stake in BKME in March 2001. Through subsequentacquisitions, this stake had increased to 48 per cent. by December 2004. On 8 August 2005, afteran additional acquisition of shares and a share buy-back, the Issuer’s effective holding in BKMEincreased to 74.9 per cent.

On 1 April 2010, BKME was converted into a fully Shari’a-compliant Islamic institution.Following its conversion, BKME was rebranded as Ahli United Bank K.S.C. AUBK provides a fullrange of commercial and retail banking services and as at 31 December 2014, it had 37 branchesin Kuwait.

For the year ended 31 December 2014, AUBK’s net profit attributable to its equity shareholdershad increased by 10.2 per cent. to U.S.$164.9 million from U.S.$149.7 million for the year ended31 December 2013. As at 31 December 2014, total assets had increased by 9.8 per cent. toU.S.$12.3 billion from U.S.$11.2 billion as at 31 December 2013.

For the year ended 31 December 2013, AUBK’s net profit attributable to its equity shareholdershad increased by 8.8 per cent. to U.S.$149.7 million from U.S.$137.6 million for the year ended31 December 2012. As at 31 December 2013, total assets had increased by 19.1 per cent. toU.S.$11.2 billion from U.S.$9.4 billion as at 31 December 2012.

Kuwait and Middle East Financial Investment Company K.S.C.P.

Kuwait and Middle East Financial Investment Company K.S.C.P. (KMEFIC) was established in1984 as a “Kuwaiti Closed Shareholding Company” and was listed on the Kuwait Stock Exchange(KSE) in 1997. KMEFIC is a registered broker dealer on the KSE and also operates in theKingdom of Saudi Arabia through its associate Middle East Financial Investment Company.

KMEFIC is a 50.2 per cent. subsidiary of AUBK. The Issuer has a nominal holding of 75.3 percent. in KMEFIC which comprises its indirect shareholding through AUBK and a directshareholding of 25.1 per cent.

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In addition to broker-dealer activities in the GCC region, KMEFIC provides wealth managementservices and also investment advice and funds for equity, real estate and venture capital in bothregional and international markets. KMEFIC’s client base represents a broad range of local andinternational investors, including individual, corporate and institutional clients.

For the year ended 31 December 2014, KMEFIC’s net loss attributable to its equity shareholdersfor the year ended 31 December 2014 was U.S.$3.8 million compared to a profit of U.S.$4.1million for the year ended 31 December 2013. As at 31 December 2014, total assets had decreasedby 9.6 per cent. to U.S.$171.6 million from U.S.$189.8 million as at 31 December 2013.

For the year ended 31 December 2013, KMEFIC’s net profit attributable to its equity shareholderswas U.S.$4.1 million compared to a loss of U.S.$4.2 million for the year ended 31 December2012. As at 31 December 2013, total assets had increased by 2.3 per cent. to U.S.$189.8 millionfrom U.S.$185.5 million as at 31 December 2012.

Commercial Bank of Iraq PSC

Commercial Bank of Iraq (CBIQ) is a private sector bank which was established in 1992.

In December 2005, the Issuer acquired a 49 per cent. shareholding in CBIQ which was increasedto 74.3 per cent. as at 31 December 2014 as a result of several capital increases by CBIQ andfurther share acquisitions by the Issuer. In March 2015, the IFC acquired a 4.9 per cent. equitystake in CBIQ.

CBIQ provides commercial banking products and services, including loans and advances, currentand savings accounts and trade finance products. Its main branch and headquarters are currentlylocated at Al Sadoun Street, a major commercial avenue in Baghdad. As at 31 December 2014,CBIQ has ten branches in Iraq: nine in Baghdad and one in Basra.

For the year ended 31 December 2014, CBIQ’s net profit attributable to its equity shareholdersdecreased by 2.2 per cent. to U.S.$9.0 million from U.S.$9.2 million for the year ended31 December 2013. As at 31 December 2014, total assets had increased by 33.8 per cent. toU.S.$385.3 million from U.S.$ 287.9 million as at 31 December 2013.

For the year ended 31 December 2013, CBIQ’s net profit attributable to its equity shareholdersdecreased by 25.2 per cent. to U.S.$9.2 million from U.S.$12.3 million for the year ended31 December 2012. As at 31 December 2013, total assets had increased by 14.2 per cent. toU.S.$287.9 million from U.S.$252.1 million as at 31 December 2012.

Ahli United Bank (Egypt) S.A.E.

Ahli United Bank (Egypt) S.A.E. (AUBE) is a retail and commercial bank incorporated in Egypt.AUBE was established in 1978 and, as at 31 December 2014, it had 34 branches in Egyptproviding retail and commercial banking services. Its headquarters are located in Cairo.

In 2006, the Group acquired a 54.0 per cent. shareholding in Delta International Bank S.A.E.,which changed its name to Ahli United Bank (Egypt) S.A.E. in May 2007. Of the Group’s initialinvestment, 31.5 per cent. was acquired directly by the Issuer, 17.5 per cent. by the Issuer’ssubsidiary in Kuwait, AUBK, and 5 per cent. by the Issuer’s then associate in Qatar, Ahli BankQatar. In December 2006, the Issuer’s direct shareholding was increased to 35.3 per cent.

On 17 January 2010, the Issuer increased its direct shareholding in AUBE from 35.3 per cent. to79.6 per cent. through a mandatory dual tender offer process. In July 2010, the Issuer concluded asecond tender offer through which it increased its direct stake to 85.1 per cent. As at 31 December2014, the Issuer’s shareholding in AUBE was 85.4 per cent.

Pursuant to a share purchase agreement concluded on 18 November 2006, the IFC, the privatesector arm of the World Bank Group, acquired a 10 per cent. equity stake in AUBE.

The Issuer considers that the Egyptian banking market has considerable potential for retail andcorporate banking growth and aims to take advantage of these domestic growth opportunities. The

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Issuer aims to offer a range of products and services to meet the requirements of both localcustomers and overseas customers from the Issuer’s core markets which conduct business in Egypt,as well as the large expatriate Egyptian communities working in countries where the Issueroperates, including the core markets and Libya.

For the year ended 31 December 2014, AUBE’s net profit attributable to its shareholders hadincreased by 24.4 per cent. to U.S.$51.5 million from U.S.$41.4 million for the year ended31 December 2013. As at 31 December 2014, total assets increased by 20.7 per cent. to U.S.$3.5billion compared with total assets of U.S.$2.9 billion as at 31 December 2013.

For the year ended 31 December 2013, AUBE’s net profit attributable to its shareholders hadincreased by 3.0 per cent. to U.S.$41.4 million from U.S.$40.2 million for the year ended31 December 2012. As at 31 December 2013, total assets increased by 16.0 per cent. to U.S.$2.9billion compared with U.S.$2.5 billion as at 31 December 2012.

Ahli Bank S.A.O.G.

Ahli Bank S.A.O.G. (ABSAOG) was established in Oman in 1997 as Alliance Housing BankS.A.O.G. and was the first private sector housing bank in the GCC. As at 31 December 2014,ABSAOG had 19 branches (including seven Islamic branches) across Oman. Its main branch andheadquarters are located in Muscat.

The Issuer acquired a 35 per cent. shareholding in ABSAOG in December 2007 and changed itsname to Ahli Bank S.A.O.G. IFC also acquired a 9.9 per cent. shareholding in ABSAOG inDecember 2007. During 2012, ABSAOG increased its capital through a rights issue of RO 25million (U.S.$64.9 million), raising its paid-up capital to RO 120.4 million (U.S.$312.7 million).This capital increase was undertaken to strengthen the competitive position of ABSAOG and toallow it to launch its Islamic banking operations in Oman.

In December 2012, the Board of Governors of the Central Bank of Oman (CBO) resolved tointroduce Islamic banking in the Sultanate of Oman, and subsequently granted ABSAOG an Islamicbanking licence on 22 January 2013. As a result, in the first half of 2013 ABSAOG launched itsIslamic banking operations through the opening of seven dedicated Shari’a-compliant Islamicbranches. Following this launch, the Issuer believes that ABSAOG is well positioned to benefitfrom the expected growth of Islamic banking in Oman.

ABSAOG provides commercial banking, retail banking and private banking products and servicesto its customers in Oman.

For the year ended 31 December 2014, ABSAOG’s net profit attributable to its equity shareholdershad increased by 9.2 per cent. to U.S.$65.3 million from U.S.$59.8 million for the year ended31 December 2013. As at 31 December 2014, total assets had increased by 22.9 per cent. toU.S.$4.3 billion from U.S.$3.5 billion as at 31 December 2013. The increase in total assets wasmainly due to an increase in loans and advances by 24.1 per cent to U.S.$3.6 billion as at31 December 2014 from U.S.$2.9 billion as at 31 December 2013.

For the year ended 31 December 2013, ABSAOG’s net profit attributable to its equity shareholdershad increased by 5.8 per cent. to U.S.$59.8 million from U.S.$56.5 million for the year ended31 December 2012. As at 31 December 2013, total assets had increased by 20.7 per cent. toU.S.$3.5 billion from U.S.$2.9 billion as at 31 December 2012. The increase in total assets wasmainly due to an increase in loans and advances by 20.8 per cent to U.S.$2.9 billion as at31 December 2013 from U.S.$2.4 billion as at 31 December 2012.

United Bank for Commerce and Investment S.A.C

The United Bank for Commerce and Investment (UBCI) was established in 2007 following themerger of three national banks in Libya. In March 2010, the Issuer obtained a strategic 40 percent. shareholding in UBCI to complement the Group’s expanded presence in Egypt and to provideaccess to a growing market for the Group. As at 31 December 2014, UBCI had 12 branches acrossLibya.

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UBCI provides commercial and retail banking products and services to its customers in Libya andintends to follow a strategy of prudent expansion in the country as political conditions improve.Following approval from the Central Bank of Libya, UBCI launched Islamic banking products in2013. UBCI had planned to convert into a fully Shari’a-compliant Islamic institution by the end of2014, which has now been deferred until the stabilization of the security situation in Libya.

Due to the deteriorating security conditions in Libya, as a part of its business continuity plan,seven UBCI employees have been relocated to AUBE where dedicated facilities have been createdfor these employees to operate on UBCI systems on a daily basis. UBCI’s chief IT supervisor iscurrently stationed in Bahrain and is monitoring the availability of all key UBCI systems forbusiness continuity, assisted by AUB Group IT resources.

For the year ended 31 December 2014, UBCI’s net loss attributable to its equity shareholders wasU.S.$3.2 million compared with a net profit of U.S.$2.3 million for the year ended 31 December2013. As at 31 December 2014, total assets had increased by 6.0 per cent. to U.S.$379.6 millionfrom U.S.$358.1 million as at 31 December 2013.

For the year ended 31 December 2013, UBCI’s net profit attributable to its equity shareholders wasU.S.$2.3 million compared with a net profit of U.S.$1.8 million for the year ended 31 December2012. As at 31 December 2013, total assets had increased by 14.1 per cent. to U.S.$358.1 millionfrom U.S.$313.7 million as at 31 December 2012.

Legal & General Gulf B.S.C.(c)

Legal & General Gulf B.S.C.(c) (LGGBSC) was incorporated in Bahrain as a joint venturebetween the Issuer and Legal & General Group PLC to provide conventional life insuranceproducts in Bahrain.

Legal & General Gulf Takaful B.S.C.(c) was established as a 100 per cent. subsidiary of LGGBSCto carry out family Takaful business. Takaful is the Islamic Shari’a-compliant form of insurance.The joint venture initiatives are consistent with the Group’s objective of being a comprehensivefinancial services provider within its operating markets.

For the year ended 31 December 2014, LGGBSC’s net loss attributable to its equity shareholderswas U.S.$0.7 million as compared to a net profit of U.S.$0.2 million for the year ended31 December 2013. As at 31 December 2014, total assets had increased by 5.1 per cent. toU.S.$68.2 million from U.S.$64.9 million as at 31 December 2013.

For the year ended 31 December 2013, LGGBSC’s net profit attributable to its equity shareholderswas U.S.$0.2 million compared to a net loss of U.S.$2.5 million for the year ended 31 December2012. As at 31 December 2013, total assets had decreased by 1.8 per cent. to U.S.$64.9 millionfrom U.S.$66.1 million as at 31 December 2012.

Business Divisions

The Group’s operations are divided into four core business divisions. These divisions are arrangedacross the Group rather than by group company. They are: Retail Banking; Corporate Banking,Treasury and Investments; and Private Banking and Wealth Management.

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A summary of financial highlights for each of these divisions is set out below:

Corporate Retail Private Treasury &Banking Banking Banking Investment Total

Year ended 31 December 2014Operating income ................................ 416,141 198,401 74,193 352,533 1,041,268Net impairment provision* ................ (124,660) (5,276) (2.244) (18,430) (150,610)Net operating income ........................ 291,481 193,125 71,949 334,103 890,658Operating expenses ............................ (68,136) (111,761) (38,533) (90,740) (309,170)

Profit before tax .................................. 223,345 81,364 33,416 243,363 581,488

Tax expense ........................................ (50,234)

Net profit for the year ...................... 531,254

Less: Attributable tonon-controlling interest ........................ (48,725)

Net profit attributable to theowners of the Issuer .......................... 482,529

Segmental Assets .................................. 14,183,737 3,619,641 1,876,027 11,895,337 31,574,742

Year ended 31 December 2013Operating income ................................ 400,034 170,372 72,091 315,832 958,329Net impairment provision* .................. (150,954) (3,994) (2,410) (59,321) (216,679)Net operating income .......................... 249,080 166,378 69,681 256,511 741,650Operating expenses .............................. (67,456) (95,868) (36,545) (87,785) (287,654)

181,624 70,510 33,136 168,726 453,996

Profit before Gain on sale ofinvestment held for sale ...................... 181,624 70,510 33,136 168,726 453,996

Gain on sale of investment heldfor sale .................................................. 212,910

Profit before tax.................................... 666,906

Tax expense .......................................... (42,663)

Net profit for the year ........................ 624,243

Less: attributable to non-controllinginterest .................................................... (44,869)

Net profit attributable to theowners of the Issuer ............................ 579,374

Segmental Assets .................................. 13,200,372 3,388,687 1,872,265 12,390,375 30,851,699

Corporate Retail Private Treasury &Banking Banking Banking Investment Total

Year ended 31 December 2012(restated)Operating income .................................. 376,570 171,132 73,145 227,859 848,706Net impairment provision* ................. (145,098) 7,646 (10,648) (61,800) (209,900)Net operating income .......................... 231,474 178,778 62,497 166,059 638,806Operating expenses .............................. (64,076) (102,746) (32,755) (67,601) (267,178)

Profit before Gain/income relatingto investment held for sale.................. 167,396 76,032 29,742 98,458 371,628

Gain/income relating to investmentheld for sale .......................................... 44,100

Profit before tax.................................... 415,728

Tax expense .......................................... (37,993)

Net profit for the year ........................ 377,735

Less: attributable to non-controllinginterest .................................................... (42,032)

Net profit attributable to theowners of the Issuer ............................ 335,703

Segmental Assets .................................. 12,391,025 2,872,930 1,721,604 10,690.367 27,675,926

* Net impairment provision includes provision for loans, investments and others.

Retail Banking

The Retail Banking division principally handles individual customers’ and provides currentaccounts, savings plans, savings certificates, time deposits, loans (including consumer, mortgage,holiday and auto loans), credit card products, internet and SMS banking.

The Group’s MyGlobal facility is designed to offer banking services for those clients with multi-entity banking requirements in markets where the Issuer operates. Throughout 2013 and to date in2014, the Issuer continued to focus on developing the MyGlobal banking services and upgraded itse-banking platform to facilitate real time funds transfers between MyGlobal customer accounts. TheIssuer also launched mortgage finance in Egypt for cross-border clients, as well as investmentproducts such as mutual funds.

In 2012 and 2013, Point of Sale (POS) systems were launched in Bahrain offering integratedsystems and terminals with diverse features to meet the growing needs and expectations of retailchains, hospitality, travel, telecom, utility services, commercial establishments and other businesssectors. The POS platform is supported by a dedicated sales and service team, a 24 hour help deskand systems that provide real-time fraud monitoring and control. This enables the Issuer to deliverimproved merchant solutions in Bahrain, with the intention that this will in due course be extendedto cover the Issuer’s other key markets in the region. In 2014, the Issuer partnered with the SocialHousing Project in Bahrain to provide mortgage finance linked to Bahraini government grants togenerate significant growth in the mortgage book.

All back-end processes at branch level in Bahrain are centralised, enabling branches to focus onsales. A full service contact centre was established in April 2005 to answer inbound customerservice calls and to increase sales through outbound calls. These initiatives have led to a reductionin the processing activities at the individual branches, which has contributed to cost savings andimprovements in service delivery and customer satisfaction. The Group also has customer contactcentres in Bahrain, Kuwait and Oman and is in the process of establishing a contact centre inEgypt.

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In January 2013, the Issuer extended its Islamic banking operations to Oman through its associate,Ahli Bank S.A.O.G. Ahli Bank S.A.O.G. was among the first banks to launch Islamic bankingservices in Oman, with seven dedicated Islamic banking branches.

The Retail Banking division focuses on improving its market share by expanding its customer baseand extracting value from its existing customer base through improvements to its customer serviceand cross-selling of other banking products and financing products. The Issuer’s flagship product,the MyHassad Savings scheme, in Bahrain and Kuwait offers the largest prize pool in the GCCwith an annual prize pool of BD5 million (U.S.$13.3 million) and provides a stable base of lowcost funds to improve retail profitability. The scheme also increases the Issuer’s householdpenetration and the opportunity to cross-sell other banking products by attracting new customers tothe Group.

The Issuer continues to improve its customer service through technology-driven solutions. Forexample, in 2006 the Issuer was the first regional bank in the GCC to implement an online tradingplatform. The trading platform utilises the Issuer’s telephone and internet banking platforms, whichthe Issuer operates directly, enabling customers to trade online on four regional stock exchanges, aswell as the New York Stock Exchange. In 2012, the Issuer introduced self-service kiosks at itsbranches, implemented new security features for online internet banking transactions, extended itse-banking service range and launched “3D” secure services for credit cards in association withMasterCard and Visa.

In December 2013, a mobile banking application for IOS and Android smart phones was rolledout, enabling customers to access their accounts and conduct transactions using their smart phoneswhile providing a range of banking services on an “anywhere, anytime” basis.

Currently, the Issuer is in the process of implementing a completely remodelled front-end/CRM/sales-services system with the intent to enhance customer service further. Significantenhancements have also been made to the functionality of AUB’s online trading platform, ahlie.trade, which was the first ever online trading solution launched by a regional bank in the MiddleEast.

The Group’s client base includes high net worth individuals in the GCC and in Egypt, who areadvised by the Issuer’s Premium Banking unit, in addition to mass affluent and mass retailcustomers. With a regional and international network spanning the GCC, Egypt, Iraq, Libya and theUnited Kingdom, the Retail Banking division seeks to offer customers extensive local knowledge,experience and support across various markets. The Retail Banking division continues to extend itsprovision of services and to build local relationships to provide convenient cross-border bankingthat meets its customers’ needs, both in their home country and their country of residence. Forexample, AUB-UK provides banking services to Gulf nationals, expatriates and local customersresident in the United Kingdom.

In Bahrain, the Issuer’s lending activities to retail customers is subject to strict CBB guidelines.The Issuer’s credit policy for consumer loans provides that retail credit customers must beemployed in Bahrain by a “preferred” employer (which are pre-selected on the basis of thecompany’s financial standing and the Issuer’s assessment of the company’s financial strength andcompetitive market position), their salary must be at least BD300 per month (equivalent toU.S.$796) and they must pass an “affordability” credit assessment. The term of the loan cannotexceed seven years and the monthly instalment must not exceed 50 per cent. of the customer’smonthly salary.

The Retail Banking division seeks to leverage its business model across all of the markets inwhich it operates with the aim of establishing a standard suite of products with centralisation ofback office functions to enhance sales and service and deliver balance sheet growth andprofitability across the Group.

The Issuer expects that future growth in retail banking will continue to be driven by efforts aimedat consolidating and expanding the Group’s market share through the launch of new productofferings aligned to local market requirements and expansion into new customer segments. New

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initiatives which may be considered by the Group include expanding bancassurance fromdistribution of life insurance products to distribution of non-life and general insurance products andexpanding remittance service offerings and introducing co-branded credit cards to acquire newcustomers and increase fee income.

Corporate Banking

Corporate Banking is responsible for the Issuer’s more capital intensive activities in risk assetgeneration and funding, both regionally and internationally, and includes Corporate Loans andTrade Finance. The Corporate Banking principally handles loans and other credit facilities, depositand current accounts for corporate customers.

The Corporate Loans and Trade Finance departments mainly cover trade-related lending activities inthe Group, together with commercial lending.

The Corporate Banking division focuses on government entities, petrochemicals companies,telecommunications companies and large trading families in the GCC. The Corporate Bankingdivision seeks to transact with companies in a diverse range of fields.

The Corporate Banking division is organised around specialised industry groups and small andmedium enterprises (SMEs). Lending is primarily cash flow-driven and secured or focused on largeregional corporates and government entities. The Corporate Banking division is focused onstrengthening relationship banking with prudent loan growth and cross-selling in cooperation withother business units and divisions, mainly treasury, private and retail banking. It also offersadvanced cash management products and services for sophisticated corporates. The CorporateBanking division is focused on capturing the cross-border trade and business flows among theGroup’s operating markets, given the strong trade and economic links within the Group’s operatingmarkets.

In 2014, the Group was involved in the financing of key infrastructure projects in the MENAregion. The Corporate Banking division also increased its operating accounts and liability businessfrom its corporate clients and maximised cross-border opportunities in Group company locations.The ongoing implementation of business-to-business (B2B) integration and internet bankingcontinues to increase transaction volumes and provides clients with one-stop solutions. Profitabilitygrowth was supported by prudent growth in loan book, portfolio re-pricing and higher fee incomefrom trade finance and syndication fees.

The Issuer considers that prospects for domestic growth in Kuwait and Oman appear positive andthat potential opportunities for growth may be seen in the domestic markets of Egypt and Iraq aswell as in areas of cross-border business. However, progress will be heavily influenced by localsocio-political developments. Cross-border financing and trade finance remain core activities for theGroup and are expected to continue to support the expansion of corporate relationships throughoutthe region.

Treasury and Investments

The Treasury and Investments division provides money market, trading and treasury services, aswell as being responsible for the management of the Group’s funding. It is also responsible formanaging the proprietary portfolio of the bank.

The Issuer considers the Treasury business unit to be an important component of the Group’sregional strategy and actively deals in foreign and regional currency and interest rate products, bothon a proprietary basis and for customers. The Group’s proprietary trading is subject to strictlymonitored limits which are imposed by the Group’s Assets and Liabilities Committee (GALCO).

AUB Treasury was named as “Best Foreign Exchange Provider in Bahrain, 2014” by GlobalFinance, a leading global finance magazine, for the eighth consecutive year.

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The Investments business unit aims to build high quality bond portfolio and acquire liquid loans.The bond portfolio enables AUB to provide asset diversification, with an option to generateliquidity through Repos. The bond portfolio primarily comprises of sovereign exposures (primarilyGCC Government) and investment grade bonds.

In 2014, the Group enhanced its newly launched online trading platform for equities, foreignexchange and commodities, which operates via both the internet and handheld applications toenable the Group to offer customers access to both regional and international markets 24 hours aday.

During 2014, the key focus of the Treasury business unit has been liability management to enablethe Group to reduce its overall cost of funding. This was achieved primarily through judiciousasset liability management and by mobilising cost effective customer deposit mobilisation whilereducing more expensive liabilities.

Going forward, the strategy for the Treasury division will continue to focus on client drivenactivity and fee based income to enhance profitability and support the Group’s sustainable growth.

Private Banking and Wealth Management

The Private Banking and Wealth Management division generally includes the less capital-intensiveactivities of the Group’s business, offering private banking services (investment products, trustservices and real estate investment services), asset management services, real estate fundmanagement services and Islamic finance products. The Exclusive brand defines and distinguishesthe Group’s exclusive range of services for high net worth individuals with financial assets ofU.S.$1 million and above.

Strategic alliances with leading investment firms such as BNY Mellon, TIAA-Henderson RealEstate, Henderson Global Investors, Russell Investment Group, Allfunds Bank, Aviva GlobalInvestors, JLL, MapleTree (a subsidiary of Temasek) and Man Investments has enabled the Groupto provide a wide range of products in the areas of asset management and real estate fundmanagement to its institutional and high net worth clients in the GCC.

The Issuer was presented with the award of “Best Private Bank in Bahrain – 2014” by Euromoney.

Given the ongoing challenging market conditions, the Issuer’s strategy has been focused onproviding specific expertise in the areas of risk profiling, asset allocation, product selection anddue diligence. The Issuer remains focused on assisting clients with mitigating the impact ofvolatility in the financial markets and adverse economic and political conditions. The AUB Al-HilalIslamic Index, provides the Private Banking and Wealth Management division with a majorplatform for delivering numerous products that meet customers’ needs across a wide range ofrisk/return preferences. The platform provides the unit with exclusive geographical coverage andincorporates Shari’a-compliant screening and a strong risk control mechanism.

The Issuer continues to launch new diversified products to meet growing requirements by clients.For example, in 2010 the Issuer launched the UK Student Accommodation Fund to capitalise on aperceived imbalance of demand and supply between UK universities’ accommodation needs and themarket’s ability to deliver new purpose built student accommodation. Further, in 2011, two capital-protected products were launched, one linked to Asian equities and the other to agriculturalcommodities, and two structures were introduced linked to the Issuer’s proprietary indices, the AUBTwister Strategy Index and the AUB Super Strategy Commodity Index.

In 2012, the Issuer adopted the Retail Distribution Review (RDR) for activities carried out by itsUnited Kingdom relationship managers. RDR, a legal requirement in the UK, was established as akey part of the Issuer’s customer protection strategy. RDR rules are aimed at introducing moretransparency and fairness in the investment industry, which include, amongst other things, therequirement for the financial advisers to agree fees with investors upfront. The procedures put inplace in the United Kingdom by the Issuer to achieve RDR compliance have been considered forbroader deployment across the Private Banking and Wealth Management division to enhance theconsistency and quality of the sales process and service to clients across the Group.

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As at 31 December 2014, client funds under management in the Private Banking and WealthManagement division decreased by 2.3 per cent. to U.S.$4.2 billion from U.S.$4.3 billion as at31 December 2013.

As at 31 December 2013, client funds under management in the Private Banking and WealthManagement division were increased by 5.0 per cent. to U.S.$4.3 billion from U.S.$4.1 billion asat 31 December 2012.

The Private Banking and Wealth Management division remains focused on expanding the clientbase in the countries in which the Group operates while enhancing the investment proposition tosuit wider asset allocation models.

Islamic Finance

The Group provides Islamic banking services under the brand name, Al-Hilal, which comprises acore package of Shari’a-compliant products made available to the Group’s corporate, commercialand consumer customers through each of the Group’s three business divisions.

Since 2006, the Group has increased its focus on Islamic banking products and formed a newShari’a Board with prominent Islamic scholars from Bahrain, Kuwait and Qatar. An integrated ITsystem dedicated to processing Islamic banking products was implemented in Bahrain in July 2007,followed by Kuwait in April 2010. Islamic cashier counters (in conventional branches) anddedicated Islamic branches were launched in Bahrain in 2007. Increased opportunities in Islamicbanking prompted the conversion of AUBK, the Issuer’s 74.9 per cent. owned subsidiary in Kuwait,into a dedicated Islamic banking institution from 1 April 2010 thereby extending the availability ofthe Group’s product offerings and services. ABSAOG launched seven new Islamic branches inOman following approval from local regulatory authorities in 2013.

Shari’a compliance of the Group’s Islamic banking activities is supervised by the Shari’a Advisoryand Supervisory Board (the Shari’a Board). The Shari’a Board approves all products and servicesoffered under Islamic banking, including structure, documentation and other features. It advises theGroup’s Board of Directors and management on Islamic banking issues, ensures strict adherence tofatwas and provides periodic reports to the Audit & Compliance Committee. The Shari’a Boardmeets on a quarterly basis, or otherwise as required.

The Retail Banking division in particular offers a range of Islamic banking products in Bahrain,Kuwait and Oman including:

• Murabaha based personal and auto finance;

• Ijara based home finance;

• Mudaraba based savings and term investment accounts;

• Qard Hassan based current accounts;

• Wakala based investment accounts; and

• Takaful insurance products.

The Corporate Banking division offers a range of Islamic financing products, including workingcapital and instalment finance, leasing, and real estate finance. Corporate liability products includecurrent and savings accounts structured on Islamic principles. Non-funded products, includingletters of credit and guarantee and document collection are offered to Islamic customers. TheTreasury division offers Murabaha and Tawarruq based investment and liquidity managementproducts and offers Islamic hedging and swap products.

The Private Banking and Wealth Management division offers various Shari’a-compliant equity anddebt funds, real estate funds and structured products to clients. Value added services such as Trustservices and depository products are also offered to the Private Banking and Wealth Managementclients. In 1997, the Group introduced the Manzil (a Shari’a-compliant mortgage product) which

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was the first of its kind to be offered by a bank which is based and regulated in the UnitedKingdom. The Group has subsequently made its Manzil product available to its clients in the GCC,thus helping its clients purchase residential property in accordance with their religious beliefs.

The Group also offers family Takaful insurance products through Legal & General Gulf TakafulB.S.C.(c), as part of the joint venture with LGGBSC.

In 2010, AUBK launched the Al-Hassad Islamic savings account which, apart from the regularfeatures of a Shari’a-compliant savings account, also offers a unique Shari’a-based prize scheme.

Islamic banking operations contributed 34.5 per cent. of the Group’s net profits attributable to theowners of the Issuer for the year ended 31 December 2014 as compared with 37.1 per cent. of theGroup’s net profits attributable to the owners of the Issuer, excluding the gain on sale ofinvestment held for sale, for the year ended 31 December 2013.

Islamic banking operations contributed 37.1 per cent. of the Group’s net profits attributable to theowners of the Issuer, excluding the gain on sale of investment held for sale for the year ended31 December 2013 as compared with 37.0 per cent. for the year ended 31 December 2012.

In 2013, UBCI launched Islamic banking products on receipt of regulatory approvals from theCentral Bank of Libya. Subject to the security situation in Libya, UBCI plans to convert into afully Shari’a-compliant Islamic institution from 1 July 2015.

Besides Shari’a-compliant product offerings through its branch network, the Issuer is focused onincreasing the number of its dedicated Islamic branches under the Al-Hilal brand, of which itcurrently has twelve: five in Bahrain and seven in Oman.

The Group is exploring options to launch Islamic banking services complementing its conventionalbanking offerings in Egypt, subject to the introduction of relevant regulatory frameworks.

Risk Management, Human Resources, Operations, Finance and Information Technology

In addition to the three business divisions described above (Retail Banking, Corporate Banking,Treasury and Investments and Private Banking and Wealth Management), the Group has businesssupport units in respect of risk management, legal and compliance, finance, human resources andoperations and information technology. The Group also has a Strategic Development division,which is an integral part of the Group and is responsible for preparing long-term strategies for theGroup, the evaluation of strategic opportunities including the Group’s expansion through mergersand acquisitions in accordance with the Group strategy, capital planning and management andperiodic performance reviews of strategic investments.

Risk Management

For further details on the Group’s Risk Management division, see “Risk Management” below.

Human Resources

The Group’s Human Resources strategy is focused on developing a meritocratic organisation andculture through effective recruitment, training, appraisal and compensation policies. This unit alsosupervises the integration of newly acquired businesses and employees into the Group.

The Group’s Human Resources unit seeks to provide comprehensive training and professionaldevelopment to employees through the provision of training programmes, seminars and e-learninginitiatives. The Group has implemented a Human Resources Information System to executefinancial transactions and to facilitate analysis and reporting. See “Employees” below.

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Operations

The Group’s Operations unit manages four distinct functional departments within the Group:

• the Banking Operations department, which is responsible, amongst other things, for loanoperations, internal settlements and salary transfers;

• the Treasury Operations department, which is responsible for fund remittance and externalsettlements;

• the Trade Finance department, which is responsible, amongst other things, for the issuance ofdocumentary credits, letters of guarantee and export and import financing; and

• the Card Operations department, which handles the operations related to the bank’s cardbusiness.

The Group operates integrated back-office functions for its branches which are centralised in eachof the Group’s countries of operation.

Finance & Strategic Development

The Group’s Finance & Strategic Development units provide financial analysis and key strategicand decision-making support to the Group’s management and Board of Directors with respect toGroup strategy. The role of the Finance unit is to ensure that the required internal controlframework, with regard to the maintenance of and the recording on general ledgers, as set by theGroup’s Board of Directors, is adhered to across the Group.

The Finance unit provides consolidated reports of the Group’s financial performance to themanagement of the Group on a daily basis. The Finance unit is also responsible for regulatoryreporting to local regulators and counterparties. The Finance unit monitors the Group’s costs andexpenses and is responsible for implementing intelligent spend measures to optimise cost-efficiencywithin the Group.

The Strategic Development unit is responsible for (i) preparing long-term strategies for the Group,(ii) the evaluation of strategic opportunities (including the Group’s expansion through mergers andacquisitions in accordance with the Group’s strategy), (iii) capital planning and (iv) managementand periodic performance reviews of strategic investments.

Information Technology

The Group’s Information Technology (IT) unit is an integral part of the Group’s business andoperations. The division delivers technological expertise in accordance with the Group’s businessstrategies to provide customer-centric and secure solutions to meet customers’ banking needs.

The IT division is focused on the standardisation of services, uniformly applied across the Groupwherever possible, to achieve economies of scale and a common customer experience across all theareas of its operating presence covering the breadth of the banking network.

All core banking operations are processed through centralised IT systems. IT provides solutions tothe Group to support their accounting, customer support services and back office requirements. IThas also facilitated the introduction of alternate delivery channels for the Group, for exampleAutomated Teller Machines (ATMs), internet banking and mobile banking. Further, IT deploymenthas also improved interconnectivity between the Group’s branches and systems across geographiclocations with the high speed network infrastructure.

The Group has established a disaster recovery site and real-time replication is carried out for allessential applications. The Board of Directors has also approved a business continuity plan (BCP),which is regularly tested. The BCP is monitored by both the Group’s Risk Management and ITunits.

The Group has an Information Security unit which carries out risk assessments for all IT assets,and all related policies are well documented.

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A vulnerability assessment is also conducted monthly by an external party. Penetration testing ofall internet facing customer applications is carried out on a bi-annual basis. Testing of the DisasterRecovery site and of the BCP is carried out at least once a year.

Risk Management

Description

Risk management involves the identification, analysis, evaluation, acceptance and management ofall financial and non-financial risks that could have a negative impact on the Group’s performanceand reputation. The Risk Management unit provides oversight and advice on Board of Directors-sanctioned risk appetite and strategy, and the development and maintenance of a supportive systemfor management of risks through procedures and training. The Issuer considers that the major risksassociated with the Group’s business are credit risk, market risk which includes foreign exchange,interest rate and equity price risk, liquidity risk, operational risk and reputational risk.

General policies

The Group’s risk management policies have been developed to:

• identify and analyse these risks;

• set appropriate risk limits and controls; and

• monitor the risks and adherence to limits.

The Risk Management unit aims to manage these risks effectively with the objective of earningcompetitive returns over the degree of assumed risk. Risk is evaluated based on the potentialimpact on income and asset value, taking into consideration changes in political, economic andmarket conditions, and the creditworthiness of the Issuer’s clients.

The Risk Management unit relies on the competence, experience and dedication of its professionalstaff, sound risk management policies and procedures, and ongoing investment in technology andtraining. The Board of Directors and senior management are involved in the establishment of allrisk policies and processes and the periodic oversight and guidance of the risk managementfunction. The Board of Directors reviews and approves at least annually the Issuer’s key riskmanagement policies. The risk management processes are subject to additional scrutiny byindependent internal and external auditors and the Issuer’s regulators, which help to strengthen therisk management practices further.

The risk management and control process is based on detailed policies and procedures thatencompass:

• business line accountability for all risks taken. Each business line is responsible fordeveloping a plan that includes adequate risk/return parameters, as well as risk acceptancecriteria;

• a credit function that understands, monitors and independently controls each creditrelationship ensuring that the appropriate approvals are obtained and a uniform riskmanagement standard, including objective risk ratings, has been correctly assigned to eachand every credit relationship;

• product and business policies, which are clearly understood, monitored and are in agreementwith the credit policy and the Board of Directors-approved risk framework;

• the ongoing assessment of portfolio credit risk and approval of new products; and

• an integrated limits structure that permits management to control exposures and monitor theassumption of risk against predetermined approved tolerances.

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The Board of Directors establishes global limits for each major type of risk which are sub-allocated to individual business units.

The Board of Directors approves the risk parameters and the Group Risk Committee monitors theGroup’s risk profile against these parameters.

Structure

The Risk Management unit reports ultimately to the Group Board of Directors, which is supportedby the Group Executive Committee, the Group Audit & Compliance Committee and the Shari’aAdvisory & Supervisory Board. The Board of Directors and the Group Executive Committeereceive quarterly risk updates, including detailed risk exposure analysis reports. The Board ofDirectors approves all risk policies as well as the Group risk framework on an annual basis.

The Deputy Group CEO, who has responsibility for Risk Management, Legal and Compliance,acting under the delegated authority of the Group CEO and the managing director, oversees riskmanagement and control. The Deputy Group CEO is supported by the Group Head of RiskManagement, the Group Head of Credit Risk, the Group Head of Legal and the Group Head ofCompliance. Additionally, the Deputy Group CEO reports directly to the Group ExecutiveCommittee on material risk management matters.

The Group Executive Committee is responsible for deciding on the credit or market risk proposalswhich fall outside the authorities delegated to the management or Group Risk Committee,reviewing risk reports and reviewing and approving strategies for asset recovery and management.

The Group Risk Committee monitors the Group’s risk profile against risk parameters approved bythe Board of Directors. The Group Risk Committee regularly evaluates the adequacy of theestablished allowances for impaired loans. The Group Risk Committee in turn may delegateoperational risk matters to the Group Operational Risk Committee, which is responsible foradministering the management of operational risk throughout the Group.

The Group Assets and Liability Committee oversees the Group’s market risk exposures and the suballocation of limits assigned by the Board of Directors. The Group Assets and Liability Committeeis responsible for managing the Group’s overall liquidity position and reviewing balance sheetprojections to ensure that adequate liquidity is maintained at all times.

The Group Risk Committee and the Group Assets and Liability Committee provide periodic reportsto the Group Executive Committee.

The Group Audit & Compliance Committee considers the adequacy and effectiveness of the Grouprisk control framework and receives quarterly updates on any control issues, regulatory andcompliance-related issues.

The Shari’a Advisory & Supervisory Board supervises Shari’a compliance of the Group’s Islamicbanking activities, approves all products and services offered under Islamic banking and advises theBoard on Islamic banking issues. It provides periodic reports to the Audit & ComplianceCommittee.

Risk management is further sub-delegated to risk officers and their teams, who are responsible forrisk oversight and establishing appropriate risk control frameworks for particular risk areas.

The Group’s Internal Audit department is responsible for the independent review of riskmanagement and the Group’s risk control environment.

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Diagram

The Board of Director’s governance risk structure is shown below.

Compliance

The compliance group’s role is to: (i) identify, assess and monitor the compliance risks faced bythe Issuer and advise and report to senior management on these risks; (ii) ensure that the Issuerand other members of the Group have appropriate systems, policies and procedures in place inrelation to sanctions and anti-money laundering compliance and related due diligence; and (iii)ensure that the various activities, policies and procedures of the Group comply with the applicablestandards, rules and regulations issued by regulatory bodies as well as the Issuer’s own controls, inorder to mitigate compliance risk. Officers and staff of the Issuer and other members of the Groupare made aware of policies and procedures and are mandated to adhere to them. Written recordsdocumenting compliance with such policies and procedures are maintained.

Group members do not maintain accounts with anonymous principals and nor do they conduct anybusiness with any bank which does not maintain a physical presence in the jurisdiction inwhich that bank is licenced.

On 1 July 2004 the Issuer acquired a 33.3 per cent. shareholding in Future Bank B.S.C. (FutureBank). Future Bank is a Bahrain-incorporated bank regulated by the CBB which, in March 2008,became subject to sanctions imposed by the U.S. Treasury Department. In November 2007, theIssuer transferred its shareholding in Future Bank to a blind non-voting trust with the approval ofthe CBB and transferred full management control to an independent trustee. New directors,approved by the CBB, were appointed to replace the Issuer’s representative directors in FutureBank. Since November 2007, the Issuer has had no day to day management involvement or controlin Future Bank, no appointed members of the Board of Directors, has not been a registered ownerof shares in Future Bank and neither the Issuer nor any member of the Group have entered intoany transaction with Future Bank.

Loan Portfolio

The Group’s loan portfolio is diversified by sector, as illustrated in the table below, and betweenwholesale and retail lending. Private sector loans largely consist of consumer/personal loans inBahrain and Kuwait and residential mortgages in the United Kingdom. As described under “RetailBanking” above, all retail loans are subject to an assignment of salary, which is common practiceamongst GCC banks. There are no significant credit concentrations to individual obligors: the tenlargest private sector borrowers (which excludes those borrowers which are either wholly ormajority owned by the Government) represented 12.3 per cent. of the Group’s total gross loans andadvances as at 31 December 2014.

AUB GroupBoard

Group Audit &ComplianceCommittee

Group Assets& LiabilityCommittee

Shari’a Advisory &Supervisory Board

Group OperationalRisk Committee

Group ExecutiveCommittee

Group RiskCommittee

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The following table provides a breakdown of the Group’s total loan portfolio by industry sector, asat 31 December 2014 and as at 31 December 2013:

Percentage PercentageAs at of Total As at of Total

31 December Loan 31 December Loan2014 Portfolio 2013 Portfolio

(U.S.$ (U.S.$thousand) (%) thousand) (%)

Banks and other financial institutions .................... 1,056,714 5.5 858,758 4.8Consumer/personal ...................................................... 3,570,697 18.7 3,714,874 20.7Residential mortgage .................................................. 1,746,918 9.1 1,895,617 10.6Trading and manufacturing ...................................... 4,272,999 22.4 3,937,762 21.9Real estate .................................................................. 4,731,155 24.8 3,760,264 21.0Services ........................................................................ 3,180,786 16.7 3,246,126 18.1Government/public sector ........................................ 269,060 1.4 381,464 2.1Others .......................................................................... 257,738 1.4 148,543 0.8

19,086,067 100.0 17,943,408 100.0Less: Specific impairment provision ........................ (326,770) (353,092)Less: Collective impairment provision .................... (294,761) (284,634)

18,464,536 17,305,682

The following table provides a breakdown of the Group’s total loan portfolio by industry sector, asat 31 December 2013 and as at 31 December 2012:

Percentage As at PercentageAs at of Total 31 December of Total

31 December Loan 2012 Loan2013 Portfolio (Restated) Portfolio

(U.S.$ (U.S.$thousand) (%) thousand) (%)

Banks and other financial institutions .................... 858,758 4.8 1,020,369 6.2Consumer/personal ...................................................... 3,714,874 20.7 3,608,366 21.8Residential mortgage .................................................. 1,895,617 10.6 1,517,864 9.2Trading and manufacturing........................................ 3,937,762 21.9 3,304,280 19.9Real estate .................................................................. 3,760,264 21.0 3,352,004 20.2Services ........................................................................ 3,246,126 18.1 3,080,531 18.6Government/public sector .......................................... 381,464 2.1 484,113 2.9Others .......................................................................... 148,543 0.8 176,234 1.1

17,943,408 100.0 16,543,761 100.0Less: Specific impairment provision ........................ (353,092) (319,500)Less: Collective impairment provision .................... (284,634) (252,042)

17,305,682 15,972,219

The following table provides a geographic breakdown of the Group’s total loan portfolio as at31 December 2014 and as at 31 December 2013:

Percentage PercentageAs at of Total As at of Total

31 December Loan 31 December Loan2014 Portfolio 2013 Portfolio

(U.S.$ (U.S.$thousand) (%) thousand) (%)

Kingdom of Bahrain .................................................. 3,320,036 17.4 3,282,724 18.3State of Kuwait .......................................................... 9,195,216 48.2 8,350,052 46.5Other GCC countries ................................................ 2,192,643 11.5 2,044,449 11.4United Kingdom ........................................................ 1,724,087 9.0 1,943,119 10.8Arab Republic of Egypt ............................................ 2,091,052 11.0 1,859,043 10.4Europe (excluding United Kingdom) ...................... 164,427 0.8 161,429 0.9Asia (excluding GCC countries) .............................. 279,147 1.5 207,550 1.2Rest of the world ...................................................... 119,459 0.6 95,042 0.5

19,086,067 100.0 17,943,408 100.0Less: Specific impairment provision ...................... (326,770) (353,092)Less: Collective impairment provision .................... (294,761) (284,634)

18,464,536 17,305,682

The following table provides a geographic breakdown of the Group’s total loan portfolio as at31 December 2013 and as at 31 December 2012:

Percentage As at PercentageAs at of Total 31 December of Total

31 December Loan 2012 Loan2013 Portfolio (Restated) Portfolio

(U.S.$ (U.S.$thousand) (%) thousand) (%)

Kingdom of Bahrain .................................................. 3,282,724 18.3 3,262,166 19.7State of Kuwait .......................................................... 8,350,052 46.5 6,980,156 42.3Other GCC countries ................................................ 2,044,449 11.4 2,022,007 12.2United Kingdom ........................................................ 1,943,119 10.8 1,854,101 11.2Arab Republic of Egypt ............................................ 1,859,043 10.4 1,738,565 10.5Europe (excluding United Kingdom) ...................... 161,429 0.9 365,612 2.2Asia (excluding GCC countries) .............................. 207,550 1.2 232,081 1.4Rest of the world ...................................................... 95,042 0.5 89,073 0.5

17,943,408 100.0 16,543,761 100.0Less: Specific impairment provision ........................ (353,092) (319,500)Less: Collective impairment provision..................... (284,634) (252,042)

17,305,682 15,972,219

Funding and Capital

Short-Term Funding

The Issuer’s short-term funding comes from a variety of sources, including on-shore deposits inBahraini dinars, Kuwaiti dinars, deposits from high net worth individuals and GCC institutions andinter-bank deposits and certificates of deposit. Inter-bank deposits are sourced from a variety ofUnited Kingdom, Middle Eastern and other international banks. As at 31 December 2012, 72.3 percent. of customer deposits were time deposits, with the remainder of customer deposits comprisingdemand deposits (18.0 per cent.) and savings deposits (9.8 per cent.). As at 31 December 2013,68.7 per cent. of customer deposits were time deposits with the remainder of customer depositscomprising demand deposits (22.1 per cent.) and savings deposits (9.2 per cent.). As at

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31 December 2014, 70.6 per cent. of customer deposits were time deposits with the remainder ofcustomer deposits comprising demand deposits (19.4 per cent.) and savings deposits (10.0 percent.).

Long-Term Funding

The Issuer’s long-term funding consists primarily of subordinated liabilities. In November 2006, theIssuer entered into a U.S.$200 million convertible subordinated loan facility agreement with theIFC (the IFC Facility), the maturity of which was extended by two years from December 2016 toDecember 2018 in an agreement concluded with the IFC in 2011. In 2014, IFC convertedU.S.$100 million of its optionally convertible subordinated debt of U.S.$100 million into ordinaryshares of the Issuer at an effective conversion price of U.S.$84.31 cents per share, translating intothe issue of 118,609,884 additional ordinary shares of the Issuer.

Also, in 2011, the IFC Capitalisation Fund (a joint venture between IFC and the Japan Bank forInternational Cooperation) signed a landmark capital raising deal to provide the Issuer withU.S.$125 million in new equity in the form of mandatorily convertible preference shares andU.S.$165 million in new subordinated debt facilities. Both deals were concluded during a period ofregional uncertainty resulting from the “Arab Spring”. Subsequently, on 9 October 2013, the IFCCapitalisation Fund converted the mandatorily convertible preference shares into AUB ordinaryshares, prior to the mandatory conversion date of 19 April 2015.

In April 2012, the Issuer repaid U.S.$618 million of a medium-term syndicated deposit facility onits maturity. AUB-UK’s long-term loan facility of U.S.$150 million was repaid on maturity inSeptember 2012.

In addition, the Issuer considers that it enjoys strong support from its shareholders. The Issuer’sbalance sheet expansion has been funded by rights issues in July 2001, December 2002, December2007 and by a partly convertible preference shares issue in December 2004 which was concludedin January 2005 (see “History and Development” above).

Sources of Funding

The following table shows the sources of the Issuer’s funding as at 31 December 2014, as at31 December 2013 and as at 31 December 2012:

As at As at As at31 December 31 December 31 December

2014 2013 2012*

Deposits from banks ........................................................................ 4,499,672 4,366,757 4,606,642Borrowings under repurchase agreements .................................... 901,590 1,271,111 1,861,357Customers’ deposits ........................................................................ 23,006,768 22,028,457 18,769,744Interest payable and other liabilities ............................................ 854,993 778,260 786,445Subordinated liabilities .................................................................... 351,646 642,205 686,879Equity attributable to the owners of the Issuer .......................... 3,390,874 3,148,824 2,776,209Non-controlling interests.................................................................. 439,345 416,279 385,298

33,444,888 32,651,893 29,872,574

* Restated following the adoption of IAS 19: Employee Benefits on 1 January 2013.

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Maturity Profile of Deposits

The maturity profile of the Issuer’s deposits as at 31 December 2014, as at 31 December 2013 andas at 31 December 2012 is given below:

Less than Above31 December 2014 one year 1 year Undated Total

(U.S.$ thousand)

LIABILITIESDeposits from banks .................................................. 4,461,172 38,500 — 4,499,672Borrowings under repurchase agreements .............. 860,941 40,649 — 901,590Customers’ deposits.................................................... 12,015,183 10,991,585 — 22,006,768

Total ............................................................................ 17,337,296 11,070,734 — 27,408,030

Less than Above31 December 2013 one year 1 year Undated Total

(U.S.$ thousand)

LIABILITIESDeposits from banks .................................................. 4,303,757 63,000 — 4,366,757Borrowings under repurchase agreements .............. 1,230,462 40,649 — 1,271,111Customers’ deposits.................................................... 11,775,910 10,252,547 — 22,028,457

Total ............................................................................ 17,310,129 10,356,196 — 27,666,325

Less than Above31 December 2012 (restated) one year 1 year Undated Total

(U.S.$ thousand)

LIABILITIESDeposits from banks .................................................. 4,515,457 91,185 — 4,606,642Borrowings under repurchase agreements .............. 1,820,708 40,649 — 1,861,357Customers’ deposits.................................................... 10,008,087 8,761,657 — 18,769,744

Total ............................................................................ 16,344,252 8,893,491 — 25,237,743

Credit Risk

Credit risk is the risk of financial loss due to the failure of a counter-party to perform accordingto agreed terms. The Group’s credit risk arises principally from lending, trade finance and treasuryactivities. The credit process is consistent for all forms of credit risk to a single obligor. Exposureis evaluated on an ongoing basis to ensure a broad diversification of credit risk. Potentialconcentrations by country, product, industry and risk grade are regularly reviewed to avoidexcessive exposure and ensure a broad diversification.

Credit risk within the Group is actively managed from initiation to approval to disbursement. Allday-to-day management is in accordance with well-defined credit policies and procedures (CP&P)that detail all credit approval requirements and are designed to identify at an early stage exposureswhich require more detailed review and closer monitoring. Specific impairment provisions are madeagainst credit exposures where the whole or a portion of the credit is considered doubtful ofrecovery. If an asset is considered unrecoverable, a mandatory write-off takes place. This isconducted by a risk management process, which is completely independent in reporting terms fromthe asset generating departments.

Risk rating of individual counterparties plays an important role in the approval and maintenance ofcredit limits. The risk rating process ensures that the quality of the credit portfolio of the Issuer ismaintained at the highest possible level and stays within Board of Directors-approved risk limits.The CP&P includes a risk rating system developed by a leading international rating agency, whichprovides a credit rating for each individual credit based on an extensive set of financial and non-financial parameters – see “Regulatory Capital” below.

The risk management function stratifies the credit portfolio by level of risk to monitor the creditquality and to assess the pricing and aid in the prompt identification of problem exposures.Management of material problem exposures is vested with Special Assets Groups in the respectiveGroup companies, all of which report to the Group Risk Management unit. All exposures aresubject to quarterly and, in certain cases, monthly reviews.

In addition to the Group Risk Management unit, credit risk is overseen by the Group RiskCommittee (GRC) which is vested with the overall day-to-day responsibility for all matters relatingto group credit risk. Its responsibilities include:

• formulating and implementing of credit policies and monitoring compliance;

• acting as a credit approval body for credits within its delegated authority;

• recommending to the Executive Committee all policy issue changes related to credit risk aswell as credits falling outside its discretion;

• determining appropriate pricing and security guidelines for all risk asset products;

• reviewing the ongoing risk profile of the Group as a whole and by individual products,business sectors and countries; and

• ensuring the adequacy of specific and collective impairment provisions and makingappropriate recommendations to the Executive Committee.

Loan Loss

The Issuer will classify an exposure as substandard or doubtful when there is an unacceptably highprobability of default. In accordance with CBB guidelines, a loan is classified as a non-accrualloan if interest or principal is overdue by 90 days or more. Provisions against commercial loansare assessed according to the expected loss in the event of default, after taking into considerationany collateral that may have been provided by the borrower. Similar arrangements are in placeacross the Group in line with local central bank guidelines.

The Issuer follows the approach of early problem recognition and conservative provisioningcombined with remedial action covering problematic accounts and, as a result, has maintained ahealthy asset quality and high levels of provision coverage, even during the recent global/regionaleconomic downturn. The Issuer’s historical details on non-performing loans and provisions aregiven below:

As at As at As at31 December 31 December 31 December

(Figures in U.S. $ million unless specified otherwise) 2014 2013 2012

Gross Loans .................................................................................... 19,086 17,943 16,544Impaired Loans .............................................................................. 390 410 369Impaired Loans/Gross Loans (%) ................................................ 2.0 2.3 2.2Specific Loan Provision (SP) ........................................................ 327 353 319Impaired Loan Coverage (%) SP .................................................. 84 86 86Collective Impairment Provision (CIP) ........................................ 295 285 252Total Impaired Loan Coverage (%) (SP+CIP) ............................ 159 156 155Collateral Value ................................................................................ 484 241 214

Market Risk

Market risk is the risk that adverse movements in market risk factors including foreign exchangerates, interest rates, credit spreads, commodity prices and equity prices will reduce the Issuer’sincome or the value of its portfolios.

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A control process incorporating well defined limits is applied to effectively manage market risksand monitor daily position limits and stop losses. The Group utilises Value-at-Risk (VaR) modelsto estimate potential losses that may arise from adverse market movements in addition to otherquantitative and non-quantitative risk management techniques.

The Group calculates VaR using a one-day holding period at a confidence level of 95 per cent.,which takes into account the actual correlations observed historically between different markets andrates. The Group VaR limits as observed on 31 December 2014, 31 December 2013 and31 December 2012 are shown below:

As at As at As at31 December 31 December 31 December

2014 2013 2012

(U.S.$ million)

Average ............................................................................................ 0.83 0.99 0.20Minimum .......................................................................................... 0.31 0.42 0.09Maximum ........................................................................................ 1.77 1.64 0.44Limit ................................................................................................ 3.00 3.00 3.00

VaR limits are delegated by the Board of Directors to the GALCO and sub-delegated to theGroup’s subsidiary Asset and Liability Committee (ALCO).

The Group recognises that VaR is based on the assumption of normal market conditions and thatcertain market shocks can result in losses greater than anticipated. Therefore, supplementary riskmanagement techniques, such as stress testing, form a core part of the Group’s risk controlprocesses.

Liquidity Risk

Liquidity risk is the risk of being unable to meet the Issuer’s cash commitments without having toraise funds at unreasonable prices or sell assets on a forced basis. It is measured by estimating theGroup’s potential liquidity and funding requirements under different stress scenarios.

The Group’s liquidity management policies and procedures are designed to ensure that funds areavailable under all circumstances to meet the funding requirements of the Group not only underadverse conditions but at sufficient levels to capitalise on opportunities for business expansion.

Prudent liquidity controls ensure access to liquidity without unexpected cost effects. Liquidityprojections based on both normal and stressed scenarios are performed regularly. The controlframework also provides for the maintenance of a prudential buffer of liquid, marketable assets andan adequately diversified deposit base in terms of maturity profile and number of counter-parties.

The Group’s Risk Management unit continuously monitors liquidity risk and actively manages thebalance sheet to control liquidity. At the subsidiary level, the respective treasury function managesthis risk with monitoring by the risk management department and jurisdiction of ALCO. At theGroup level, liquidity risk is managed by GALCO, which is vested with the overall day-to-dayresponsibility for all matters relating to Group liquidity.

As at 31 December 2014, loans and advances constituted 55.2 per cent. of the Issuer’s total assets.In addition, liquid assets (cash and balances with central banks, treasury bills and bonds, tradingsecurities and interbank deposits) comprised 21.2 per cent. of the Issuer’s total assets as at31 December 2014. The Issuer’s interbank exposure is primarily extended to investment gradefinancial institutions based in Europe, North America, the GCC and the MENA region.

As at 31 December 2013, loans and advances constituted 53.0 per cent. of the Issuer’s total assets.In addition, liquid assets (cash and balances with central banks, treasury bills and bonds, tradingsecurities and interbank deposits) comprised 23.9 per cent. of the Issuer’s total assets as at31 December 2013. The Issuer’s inter-bank exposure is primarily extended to investment gradefinancial institutions based in Europe, North America, the GCC and the MENA region.

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As at 31 December 2012, loans and advances constituted 53.5 per cent. of the Issuer’s total assetsas compared with 54.7 per cent. as at 31 December 2011. In addition, liquid assets (cash andbalances with central banks, treasury bills and bonds, trading securities and inter-bank deposits)comprised 21.8 per cent. of the Issuer’s total assets as at 31 December 2012 as compared with22.4 per cent. as at 31 December 2011.

The Issuer’s liquidity position is further strengthened by its large portfolio of investment securitieswhich constituted 17.3 per cent. of the Issuer’s total assets as at 31 December 2014. Of theseinvestment securities, 79.4 per cent. are investment grade and 12.0 per cent. are sovereign.Additionally, 89.2 per cent. related to quoted instruments (mainly government bonds, floating ratenotes and certificates of deposit) as at 31 December 2014 as compared with 89.4 per cent. as at31 December 2013.

As at 31 December 2013, the Issuer’s portfolio of investment securities constituted 16.7 per cent.of the Issuer’s total assets. Of these investment securities, 89.4 per cent. related to quotedinstruments (mainly government bonds, floating rate notes and certificates of deposit) as at31 December 2013 as compared with 91.6 per cent. as at 31 December 2012.

As at 31 December 2012, investment securities constituted 17.1 per cent. of the Issuer’s totalassets.

Operational Risk

Operational risk is the risk of loss resulting from inadequate or failed internal processes, peopleand systems or from external events. Operational risk is managed by the Group Operational RiskCommittee (GORC). The Group adopts an ongoing Operational Risk Self-Assessment regime.Assessments are made of the operational risks facing each function within the Issuer and these arereviewed regularly to monitor significant changes and the adequacy of controls. Operational riskloss data are regularly collected and reported to senior management.

No material losses occurred as a result of operational risks in either of the years ended31 December 2014, 31 December 2013 and 31 December 2012. Given the nature of these risks,there can, however, be no assurance that they can be totally eliminated. The Group seeks tomitigate its operational risk through effective monitoring and control procedures, the key elementsof which are qualified, well-trained personnel, clear authorisation levels, reliable technology,establishment of a risk culture and independent financial management and reporting.

The Group’s independent audit function regularly evaluates operational procedures and advisessenior management and the Board of Directors of any potential problems. Additionally, the Groupmaintains adequate insurance coverage and business continuity contingency plans utilising offsitedata storage and backup systems. The adequacy of the Issuer’s business continuity plan isconfirmed by a programme of regular testing with oversight being provided by GORC.

Regulatory Capital

The CBB sets the capital requirements for banks operating in or out of Bahrain. The CBB’sframework for prudential requirements until 31 December 2014 was based on the Basel IIGuidelines, as published by the Bank of International Settlements’ (BIS) Revised Framework –‘International Convergence of Capital Measurement and Capital Standards’. These guidelines wereintroduced on 1 January 2008. Basel II is structured around three ‘Pillars’: Pillar I – MinimumCapital Requirements; Pillar II – the Supervisory Review Process and the Internal CapitalAdequacy Assessment Process (ICAAP); and Pillar III – Market Discipline.

Pillar I – Minimum Capital Requirements

Pillar I deals with the basis for the computation of the regulatory capital ratio. It defines thevarious classes and the calculation of risk weighted assets (RWAs) in respect of credit risk, marketrisk and operational risk, as well as deriving the regulatory capital base. The capital adequacy ratiois then calculated as the ratio of the Issuer’s regulatory capital to its total RWAs.

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All Bahrain incorporated banks are currently required to maintain a minimum capital adequacyratio of 12 per cent. at a consolidated level. In addition, the CBB requires banks to maintain anadditional 0.5 per cent. buffer above the minimum capital adequacy ratio. This means that the totalcapital adequacy ratio for banks operating in Bahrain is 12.5 per cent. (including the buffer). TheGroup ensures that each Group entity maintains sufficient capital levels for their respective legaland compliance purposes.

Credit Risk

Basel II provides three approaches to the calculation of regulatory capital required for credit risk.The Group has adopted the “standardised” approach which requires banks to use external creditratings to determine the risk weightings applied to rated counterparties, and groups othercounterparties into broad categories and applies standardised risk weightings to these categories. AllBahrain-based banks are currently following the “standardised” approach to credit risk under PillarI of Basel II.

Operational Risk

Basel II provides two approaches for calculating operational risk capital charge in a continuum ofincreasing sophistication and risk sensitivity. The Group has adopted the “basic indicator” approach,pursuant to which the regulatory capital requirement for operational risk is calculated by applyinga co-efficient of 15 per cent. to the average gross income for the preceding three financial years.

Market Risk

Basel II provides two approaches for determining the market risk capital requirement. The Grouphas adopted the “standardised” approach.

Pillar II – The Supervisory Review Process and ICAAP

Pillar II involves the process of supervisory review of a financial institution’s risk managementframework and its capital adequacy. Accordingly, this involves both the Issuer and its regulatorstaking a view on whether additional capital should be held against risks not covered in Pillar I.Part of the Pillar II process is the ICAAP, which is the Issuer’s self assessment of risks notcaptured by Pillar I.

As part of the CBB’s Pillar II guidelines, each bank is required to be individually reviewed andassessed by the CBB with the intention of setting individual minimum capital adequacy ratios.

Pillar III – Market Discipline

Pillar III is related to market discipline and requires the Issuer to publish detailed qualitative andquantitative information on its risk management and capital adequacy policies and processes tocomplement the first two pillars and the associated supervisory review process. The Issuer’s PillarIII disclosures are published on a semi-annual basis and as part of its annual report.

As published in the audited consolidated financial statements of the Group for the year ended31 December 2014, the regulatory capital adequacy ratio of the Issuer was 15.5 per cent. as at31 December 2014 as compared with 16.2 per cent. as at 31 December 2013, which is above theregulatory minimum requirement of 12.0 per cent. This figure includes a Tier 1 component of 11.8per cent. as compared with 10.9 per cent. as at 31 December 2013.

As at 31 December 2012, the capital adequacy ratio was 15.6 per cent. with a Tier 1 componentof 10.8 per cent.

The capital adequacy ratio for the group which is calculated in accordance with the capitaladequacy guidelines under Basel II approved by the CBB, is disclosed under Pillar III Table 1,which is included in the Annual Report of the Issuer.

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Transition to Basel III

The CBB issued its final instructions on implementation of Basel III Guidelines to conventionalbanks in Bahrain in July 2014. These regulations have come into force from January 2015. Underthe new Basel III regulations, banks are required to maintain a Core Equity Tier 1 (CET1) ratio of9.0 per cent., Tier 1 ratio of 10.5 per cent. and total capital adequacy ratio of 12.5 per cent. (allratios including the capital conservation buffer of 2.5 per cent.).

Board of Directors

Set out below is a list of the members of the Board of Directors of the Issuer, together with adescription of their qualifications and a list of any external principal activities performed by eachof them:

Hamad Mishari Al-Humaidhi, Chairman, and Member of the Executive Committee; Non-Executive Director

Director since 31 March 2015. Holds a Bachelor of Art (Law) from Kuwait University, 1975.Chairman and Director, Ahli United Bank (UK) PLC; Director General of The Public Institutionfor Social Security, Kuwait; Chairman and Chief Executive Officer, Wafra Intervest Corporation;former Deputy Director General, The Public Institution for Social Security, Kuwait; former LegalAdvisor, National Bank of Kuwait, Kuwait.

Mohammad Jassim AlMarzooq, Deputy Chairman, and Member of the Executive Committee;Non-Executive Director

Director since 27 March 2006. Holds a Bachelor of Commerce (Finance Major) from KuwaitUniversity, 1991. CEO, Tamdeen Real Estate Co.; Chairman, Tamdeen Shopping Centre, Kuwait;Chairman of Tamdeen Bahraini Real Estate Co., Bahrain; Board Member, Fateh Al Khear HoldingCo., Kuwait; Board Member of Al Maalem Holding Co., Bahrain; former Board Member of GlobalOmani Development & Investment Co., Oman; former Deputy Chairman, Tamdeen Shopping CentreCo., Kuwait; former Board Member, Bank of Kuwait & The Middle East, Kuwait; former ViceChairman, Tamdeen Investment Co., Kuwait; former Board Member, Al Ahli Bank of Kuwait,Kuwait; former Board Member, Kuwait National Cinema Co., Kuwait; former Board Member, ArabFinancial Consulting Co., Kuwait; former Chief of Executive Staff, Real Estate Investment Fund,Kuwait; former Board Member, The Public Warehousing Co., Kuwait.

Rashid Ismail Al-Meer, Deputy Chairman, and Member of the Executive Committee; Non-Executive Director

Director since 29 March 2003. Holds a High Diploma in Statistics from the University ofAlexandria, Egypt, 1973 and a B. Com from Baghdad University, Iraq, 1969. Director, Ahli UnitedBank (UK) PLC; Director, Al Ahli Real Estate Co. S.P.C.; Chairman, Osool Assets ManagementCo.; Deputy Chairman, Esterad Investment Co.; Deputy Chairman of the Board of Directors,Solidarity Group Holding; Director, Social Insurance Organisation; former Director General,Pension Fund Commission; former Asst. Undersecretary for Financial Affairs, Ministry of Finance& National Economy; former Asst. Undersecretary for Economic Affairs, Ministry of Finance &National Economy; former Director of Investment; various positions, Central Bank of Bahrain;former Head of Statistics Section, Ministry of Health.

Mohammed Saleh Behbehani, Director and Member of the Compensation Committee;Independent Director

Director since 30 July 2000. Partner & President, Mohammad Saleh & Reza Yousuf BehbehaniCo.; Partner & President, Shereen Travels, Kuwait.; Partner & President, Behbehani Jeep MotorsCo. W.L.L.; Partner & President, Shereen Motor Co. W.L.L.; Partner & President, BehbehaniAutomall Co. W.L.L.; Partner & President, Shereen Real Estate Co.; Partner & President, ShereenInvestment Co.; Partner, Mohammed Saleh Behbehani & Co. W.L.L.: Partner, Behbehani Bros.,W.L.L, Bahrain; Partner, Al Mulla & Behbehani Motor Co. W.L.L.; Board & Executive CommitteeMember, Ahli United Bank, K.S.C.P.; Chairman, Kuwait Insurance Co. S.A.K.; Chairman, MaerskKuwait Co. W.L.L.; Chairman, Maersk Logistics Co. W.L.L.; Vice Chairman, United Beverage Co.;

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former Director, Purchase & Imports, Public Works Dept., Govt. of Kuwait; former DeputyChairman, Al Ahli Bank of Kuwait K.S.C.; former Board & Executive Committee Member, AhliUnited Bank (UK) PLC; former Director, Swiss Kuwaiti Bank.; former Director, UBAF (HongKong) Limited.

Abdulla Al-Sumait, Director, Member of the Audit and Compliance Committee and NominatingCommittee; Independent Director

Director since 16 May 2001. Holds a B.A. in Law from Kuwait University, 1976. Legal Consultantfor Director General, The Public Institution for Social Security (Kuwait); Director, KuwaitCommercial Facilities Company; Director, Ahli United Bank (Egypt) SAE.

Herschel Post, Director, Chairman of the Audit and Compliance Committee, NominatingCommittee and Compensation Committee; Independent Director

Director since 25 December 2001. Member of the Order of the British Empire, 2006. Holds aFinancial Advisers Certificate from The Chartered Institute of Bankers, 2000, a B.A. & M.A.(Rhodes Scholar) from Oxford University, 1984, a L.L.B from Harvard Law School, 1966 and aBachelor of Arts from Yale University, 1961. Director and Chairman of the Audit Committee, AhliUnited Bank (UK) PLC; Director and Chairman of the Audit Committee, Ahli United Bank (Egypt)SAE; Director and Chairman of the Audit Committee, Ahli United Bank KSC, Kuwait; Directorand Chairman of the Audit Committee, Kuwait & Middle East Financial Investment Company(KMEFIC); Director, Investors Capital Trust PLC; Director and Chairman of the Audit Committee,Threadneedle Asset Management Holdings S.A.R.L.; Director, Program Planning Professionals Inc.;Trustee, Earthwatch Institute (Europe); former Deputy Chairman of the London Stock Exchange;former CEO and Deputy Chairman, Coutts & Co.; former Chief Operating Officer, LehmanBrothers International Ltd.; former Director, Christie’s International Limited; former Director,Euroclear SA/NV, Euroclear PLC; Euroclear UK & Ireland Ltd.

Mohammed Al-Ghanim, Director, Member of the Executive Committee; Independent Director

Director since 29 March 2003. Holds a degree in Business Administration from Kuwait University,1993. Vice Chairman, Fouad Alghanim & Sons Group of Companies, Kuwait; Chairman, AlGhanem Industrial Company KSC, Kuwait; Member of the Board of Directors, Tamdeen RealEstate Company KSCC, Kuwait; Member of the Supervisory Board, Jet Alliance Holding AG,Austria; Chairman, Fluor Kuwait Co., KSC, Kuwait.

Lama Al Dakheel, Director, Member of the Audit & Compliance Committee and NominatingCommittee; Non-Executive Director

Director since 31 March 2015. Holds a Bachelors degree in Finance & Business Administrationfrom Kuwait University, Faculty of Commerce, Economics and Political Science, 1995; Manager,Direct Investments Department, The Public Institution for Social Security, Kuwait.

Michael Essex, Director, Member of the Audit & Compliance Committee, CompensationCommittee and Nominating Committee; Independent Director

Director since 28 March 2012. Holds an Executive Development Program Certificate from HarvardBusiness School, Boston, USA, 1997, M.A. Public Administration from Carleton University,Ottawa, Canada, 1975, and a B.A. Economics and Political Science from The University ofWestern Ontario London, Canada 1972. Director, Ahli United Bank K.S.C.P., Kuwait; BoardMember, Member of the Investment Committee, Member of the Investor Review Committee ofMacquarie Bank India Infrastructure Fund; Senior Adviser to Abraaj Capital; Board Memberdesignate of Karachi Electricity Supply Company; former Senior Adviser to International FinanceCorporation’s Asset Management Company and IFC Director of Investment & Advisory operationsfor 20 countries, Pakistan to Morocco in the MENA region.

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Adnan Al-Marzouq, Director, Member of the Audit &Compliance Committee and NominatingCommittee; Independent Director

Director Since, 25 March 2014. Holds a Bachelors Degree in Industrial Systems Engineering fromUniversity of Southern California, 1981. Managing Director, Al-Marzouq Company for Import &Export, Kuwait; Director, Ahli United Bank (UK) PLC. Formerly; Chairman, The Kuwaiti ManagerCompany, Kuwait; Board Member, Kuwait Finance House, Kuwait; Manager Treasury, GulfInvestment Corporation, Kuwait; Asst. Manager-Treasury, National Bank of Kuwait.

Adel A. El-Labban, Director and Executive Committee Member; Executive Director

Director since 30 July 2000. Holds a Masters in Economics (Highest Honors) from the AmericanUniversity, Cairo, 1980, Bachelors in Economics (Highest Honors) from American University,Cairo, 1977 and a General Certificate of Education from London University, 1973. Group ChiefExecutive Officer & Managing Director, Ahli United Bank BSC, Bahrain; Director, Ahli UnitedBank (UK) PLC; Director, Ahli United Bank K.S.C.P., Kuwait; Director, Ahli United Bank (Egypt)S.A.E.; First Deputy Chairman, Ahli Bank S.A.O.G., Oman; Deputy Chairman, Commercial Bankof Iraq P.S.C., Iraq; Deputy Chairman, United Bank for Commerce & Investment S.A.C., Libya;Director, Bahrain Association of Banks, Bahrain; former Chief Executive Officer and Director ofthe United Bank of Kuwait PLC, UK; former Managing Director, Commercial International Bankof Egypt; former Chairman, Commercial International Investment Company, Egypt; former VicePresident, Corporate Finance, Morgan Stanley, USA; former Assistant Vice President, Arab BankingCorporation, Bahrain.

The present Board of Directors was elected by the shareholders on 31 March 2015 for a period ofthree years. There are no potential conflicts of interest between the duties to the Issuer of any ofthe directors listed above and his private interests and/or other duties.

The business address of each of the directors of the Issuer is c/o Ahli United Bank B.S.C.,Building 2495, Road 2832, Al Seef District 428, P.O. Box 2424, Manama, Kingdom of Bahrain.

Employees

The Issuer’s Human Resources department focuses on attracting and retaining top class talent andis committed to encouraging career growth based on merit. Emphasis is placed on quality trainingas a valuable tool for efficiency and team building with an ongoing commitment to developyounger, promising and talented staff to assume greater responsibilities. Efforts are also being madeto integrate and develop an organisation-wide approach to reinforcing existing customercommitment, service and loyalty. Business guidelines include the support of cross-businessinitiatives and planning integrated solutions and training programmes to best manage expandingbusiness.

As at 31 December 2014, the Group had a total of 3,416 employees. The table below shows thespread of employees across the members of the Group as at 31 December 2014:

Number ofEmployees

AUB (Bahrain) ............................................................................................................................ 624AUB-UK (United Kingdom) ...................................................................................................... 115AUBE (Egypt) ............................................................................................................................ 785AUBK (Kuwait) .......................................................................................................................... 802KMEFIC (Kuwait) ...................................................................................................................... 136CBIQ (Iraq).................................................................................................................................. 208ABO (Oman)................................................................................................................................ 446UBCI (Libya) .............................................................................................................................. 300

Group .......................................................................................................................................... 3,416

The Group has a well experienced management team with a mix of both regional and internationalexperience. The cross-cultural management team has over 30 years of average total experience,including average experience of 14 years within the Group itself.

Economic and Banking Environment

The Group is a GCC-focused bank with operations in the GCC and in complementary marketsthroughout the MENA region. The Group has a full banking presence in Bahrain, Kuwait, Egypt,Iraq, Oman and Libya, together with a platform for markets within the OECD through its whollyowned United Kingdom subsidiary, AUB-UK.

The Issuer considers that the MENA continues to be one of the fastest-growing regions in theworld, with potential for economic and banking sector growth on account of factors such as largehydrocarbon reserves, sustainable wealth creation, continued government spending programmes,young and growing populations and an expanding middle class with increased purchasing power.The Issuer considers that the socio-cultural and economic similarity between the countries in theregion makes it convenient for a regional bank such as the Issuer to conduct cross-border businessby capitalising on growing intra-regional trade flows.

Provided below are economic and banking indicators in the Issuer’s key markets:

SaudiKuwait Bahrain Oman UAE Qatar Arabia Egypt Iraq Libya(2014) (2014) (2014) (2014) (2014) (2014) (2014) (2014) (2014)

Nominal GDP(U.S.$ billion) .. 1728 34.1 80.4 417.0 212.0 777.9 277.8 232.2 52.0

Real GDPGrowth Rate(per cent.) ........ 1.4 3.9 3.4 4.3 6.5 4.6 2.2 (2.7) N.A.

Contribution ofHydrocarbonSector to TotalGDP (percent.)* .............. 59.1 24.3 46.6 35.8 49.2 42.5 17.3* 56.9 53.1

Current AccountSurplus to GDP(per cent.) ........ 40.8 7.0 9.9 11.1 27.1 15.1 (0.4) 3.0 (27.1)

Fiscal Surplusto GDP (percent.) .................. 28.8 (4.8) 3.0 10.5 11.4 5.2 (12.2) (3.0) (52.1)

Total Reservesto GDP*#(per cent.) ........ 18.4 16.9 20.7 17.0 20.8 98.6 6.1 33.9 182.7

Population(million) .......... 4.0 1.3 3.8 9.3 2.2 30.6 83.5 33.7 6.2

PopulationGrowth Rate .... 2.8 2.0 3.3 3.0 9.4 2.1 3.1 2.0 1.5

Consumer PriceInflation(per cent.) ........ 3.0 2.5 2.8 2.4 3.4 3.2 10.1 4.7 7.5

Credit toDomestic Sector(U.S.$ billion).... 105 19 44 348 161 333 86 26* 16**

Annual GrowthRate for Creditto DomesticSector(per cent.) ........ 6.2 1.3 11.2 6.2 10.0 11.5 12.5 5.3* 9.7**

DomesticCredit/GDPRatio(per cent.) ........ 60.8 57.0 54.6 83.5 76.0 42.9 30.9 11.1 31.0**

Currency .......... Kuwaiti Bahraini Omani UAE Qatari Saudi Egyptian Iraqi Libyandinar dinar rial Dirham Riyal Riyal pound dinar Dinar

Currency Peg .... PeggedPegged U.S.$ U.S.$ U.S.$ U.S.$ U.S.$ to IMF

to a Peg Peg Peg Peg Peg Specialbasket of (U.S.$1= (U.S.$1= (U.S.$1= (U.S.$1= (U.S.$1= Floating Floating Drawingcurrencies BD 0.376) RO 0.385) AED 3.67) QR 3.64) SR 3.75) currency currency Rights

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* 2013 figures

** October 2014 figures# Total reserves include gold, special drawing rights, reserves of IMF members held by the IMF and holdings of foreign

exchange under the control of monetary authorities.

Sources: Central Banks of Bahrain, Kuwait, Oman, Egypt and Iraq, Institute of International Finance, International Monetary Fund,The World Bank.

Key Regulatory Requirements

As the Issuer is registered and licensed in Bahrain, the Issuer is subject to the jurisdiction of theCBB. The Issuer’s overseas subsidiaries are also regulated by local regulators in their respectivejurisdictions of operation.

A brief summary of key regulatory requirements in Bahrain are set out below:

Bahrain – Key Regulatory Requirements

The CBB is the sole regulator of Bahrain’s financial sector, covering the full range of banking,insurance, investment business and capital markets activities. Established in 2006 as a successor tothe Bahrain Monetary Agency (BMA), the CBB performs the role of a financial agent to thegovernment of Bahrain, a role which principally entails advising the government in relation tofinancial matters generally, as well as administering government debt. More specifically, the mainfunctions of the CBB are to arrange and implement the issuance of currency, to maintain monetarystability, and supervise and construct the regulatory framework applicable to financial institutions.The CBB is not directly accountable to parliament and is independent of the government but isaccountable to the Minister of Finance. There are seven members of the Board of Directors of theCBB, including an independent chairman, each of whom is appointed by royal decree. TheGovernor of the CBB serves for a five-year term (the current Governor was reappointed in January2010).

The CBB’s wide scope of responsibilities facilitates the adoption of a consistent policy approach tobe applied across the whole of Bahrain’s financial sector. It is also designed to provide astraightforward and efficient regulatory framework for financial services firms operating in Bahrain.

Under the Central Bank of Bahrain and Financial Institutions Law of 2006, the CBB is authorised,among other things, to grant banking licences, determine the types of business which banks may ormay not conduct, establish capital requirements for banks, conduct inspections of banks, stipulatereserve and liquidity ratios for banks and, in certain circumstances, to take over the administrationof banks and liquidate them. The CBB currently issues two main types of banking licences,namely retail bank licences and wholesale bank licences. All licences may be operated under eitherconventional or Islamic banking principles.

The CBB supervises the banks in Bahrain through a mixture of on-site assessment (including, areview of the quality of systems and controls, and of books and records) and off-site supervision(which focuses on the analysis of regulatory returns, as well as of audited financial statements andother relevant public information).

The CBB has five off-site Supervision Directorates which undertake supervision of retail banks,wholesale banks, non-bank financial institutions, Islamic financial institutions and insurance firms,respectively. The principal objectives of these Directorates are to ensure that the institutions remainadequately capitalised, have effective risk management and internal controls in place, maintainadequate liquidity and operate with integrity and skill. Offsite supervision includes regularprudential meetings with licensees to review performance, strategy and compliance matters (such ascapital adequacy, large exposures and liquidity). Prudential returns are made monthly, quarterly,semi-annually or annually, depending on the nature of the information they contain.

A separate Inspection Directorate carries out on-site examinations of banks, including Islamicfinancial institutions. This Directorate has introduced a risk-based approach whereby a particularinstitution’s risk profile will determine the nature and frequency of inspections. A separateDirectorate, the Compliance Directorate, investigates suspicious financial transactions, moneylaundering, terrorist financing and unauthorised business.

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Prudential Regulation

AUB is a listed company on the Bahrain Bourse and is supervised by the CBB. AUB is also listedon the Kuwait Stock Exchange.

The Retail and Wholesale Banking Supervision Directorates are responsible for the off-sitesupervision of all conventional banks, whether locally incorporated or branches of foreign banks.The Financial Institutions Supervision Directorate is responsible for all non-Islamic non-bankfinancial institutions (including money changers and money and foreign exchange brokers).

The Banking Supervision Directorates deal with the prudential supervision of banks and require thepublished accounts of locally incorporated banks to comply with International Accounting Standards(including IFRS). Locally incorporated banks and branches of overseas banks operating under acommercial bank licence in Bahrain are required to publish financial statements on a quarterlybasis and to have such financial statements reviewed by external auditors.

The CBB sets the capital requirements for banks operating in or out of Bahrain. Until31 December 2014, the CBB’s framework for prudential requirements was based on the Basel IIGuidelines, as published by Revised Framework published by BIS entitled ‘InternationalConvergence of Capital Measurement and Capital Standards’. These guidelines were introduced on1 January 2008. Basel II is structured around three ‘Pillars’: Pillar I – Minimum CapitalRequirements; Pillar II – the Supervisory Review Process and the ICAAP; and Pillar III – MarketDiscipline. See “Regulatory Capital” above.

Other Key Regulations

The following other key regulations other than capital adequacy are set by the CBB for the banksoperating from Bahrain:

• Deposit Insurance: Certain customers’ deposits held with the bank in the Kingdom ofBahrain are covered by the Regulation Protecting Deposits and Unrestricted InvestmentAccounts issued by the CBB in accordance with Resolution No.(34) of 2010. A periodiccontribution as mandated by the CBB is paid by the bank under this scheme.

• Single Borrower Limit: Banks are not allowed to incur an exposure to an individualcounterparty or group of closely related counterparties which exceeds 15 per cent. of thebank’s consolidated capital base without the prior written approval of the CBB. Totalaggregate large exposures (10 per cent. or more of consolidated capital base) cannot exceed800 per cent. of the consolidated capital base.

• Connected Counterparty Limit: Exposures to all connected counterparties when takentogether may not exceed 25 per cent. of the bank’s capital base.

• Loans to Shareholders: Banks are not allowed to have any exposure to a shareholder with10 per cent. or more shareholding in the bank.

• Consumer Lending: Banks cannot grant consumer loans where monthly repayment of aborrower exceeds 50 per cent. of his monthly gross salary. The maximum tenor forinstalment consumer finance facilities is seven years. The tenor may not be extended morethan twice during the period of the agreement.

• Liquidity: All banks in Bahrain are required to maintain reserves deposited at the CBBamounting to 5 per cent. of the value of non-bank deposits denominated in Bahraini Dinar.The CBB expects mark to market value of assets that could be readily realised at shortnotice to exceed 25 per cent. of customer deposit liabilities at all times.

• Dividend Payment: Banks cannot present the dividend proposal on ordinary shares to theGeneral Assembly unless the dividend proposal has been approved by the CBB.

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Deposit Protection Scheme

The CBB has established a deposit protection scheme (the Scheme) for compensating eligibledepositors (any natural person holding an eligible account with a conventional bank or an Islamicbank in Bahrain) when retail and Islamic banks licensed by the CBB are unable, or are likely tobe unable, to satisfy claims against them. The Scheme creates two pre-funded investment funds(one conventional, one Islamic) which will be used to compensate eligible depositors in the amountof their bank defaults.

The body established to operate and administer the Scheme is the Deposit Protection Board (theDPB). The DPB will consider if and when compensation will be available in relation to aparticular bank, sets out the procedures and rules of operation of the Scheme and is alsoresponsible for calculating the amounts of compensation payable.

The Scheme applies to eligible deposits held with the Bahrain offices of CBB licensees, whether inBahraini dinars or other currencies, held by persons who are either residents or non-residents ofBahrain. In the event of default, such deposits are protected up to a maximum of BD 20,000(U.S.$53,050), subject to the right of set off by the DPB for any debts of the eligible depositorand claim disbursement-related expenses, as applicable.

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SELECTED FINANCIAL INFORMATION

The Issuer’s selected historical consolidated financial data as at and for the years ended31 December 2014, and 31 December 2013 have been extracted from its audited consolidatedfinancial statements (including the related notes thereto) for the year ended 31 December 2014.The Issuer’s selected historical consolidated financial data as at and for the year ended31 December 2012, has been extracted from the audited consolidated financial statements(including the related notes thereto), for the year ended 31 December 2013. The selected historicalconsolidated financial data set forth below should be read in conjunction with, and are qualifiedby reference to, the Consolidated Financial Statements. The Consolidated Financial Statements areavailable as described under “General Information”. The results of operations for any period arenot necessarily indicative of the results to be expected for any future period.

The Group’s comparative consolidated balance sheet data as at 31 December 2014, as at31 December 2013 and as at 31 December 2012 are given below:

31-Dec-14 31-Dec-13 31-Dec-12*

U.S.$ ‘000 U.S.$ ‘000 U.S.$ ‘000

AssetsCash and balances with central banks ......................................... 649,212 820,296 735,528Treasury bills and deposits with central banks .......................... 2,611,085 2,587,534 1,986,236Deposits with banks ........................................................................ 3,823,517 4,409,068 3,750,771Loans and advances ......................................................................... 18,464,536 17,305,682 15,972,219Non-trading investments ................................................................ 5,771,902 5,527,973 5,147,820

Investment in associates and joint venture................................... 288,315 302,258 278,125Investment properties. ...................................................................... 254,490 201,146 171,798Premises and equipment.................................................................. 267,002 274,696 266,830Interest receivable and other assets .............................................. 672,890 560,854 485,366Goodwill and other intangible assets ............................................ 641,939 662,386 679,922Investment held for sale.................................................................. — — 397,959

Total Assets .................................................................................... 33,444,888 32,651,893 29,872,574

Liabilities, Subordinated Liabilities and EquityLiabilitiesDeposits from banks and other financial institutions ................ 4,499,672 4,366,757 4,606,642Borrowings under repurchase agreements .................................... 901,590 1,271,111 1,861,357Customers’ deposits ........................................................................ 23,006,768 22,028,457 18,769,744Interest payable and other liabilities ............................................ 854,993 778,260 786,445Subordinated liabilities .................................................................... 351,646 642,205 686,879

29,614,669 29,086,790 26,711,067

EquityOrdinary share capital (Net of treasury shares) .......................... 1,526,474 1,394,860 1,303,164Preference share capital .................................................................. — 12,500 125,000Reserves ............................................................................................ 1,864,400 1,741,464 1,348,045Attributable to the Issuer’s shareholders ...................................... 3,390,874 3,148,824 2,776,209Non controlling interest .................................................................. 439,345 416,279 385,298

Total Liabilities and Equity ........................................................ 33,444,888 32,651,893 29,872,574

* Restated following the adoption of IAS 19: Employee Benefits on 1 January 2013.

The Group’s comparative consolidated statement of income data for the years ended 31 December2014, 31 December 2013 and 31 December 2012 are given below:

Year ended

31-Dec-14 31-Dec-13 31-Dec-12*

U.S.$ ‘000 U.S.$ ‘000 U.S.$ ‘000

Interest income ................................................................................ 1,180,503 1,093,547 1,070,638Interest expense ................................................................................ 417,247 380,298 434,265

Net interest income.......................................................................... 763,256 713,249 636,373

Fees and commissions .................................................................... 147,227 141,138 121,410Trading income ................................................................................ 35,204 34,901 26,616Net gains on investments ................................................................ 37,724 18,271 19,899Share of profit from associates and joint venture** .................. 24,362 28,086 22,734Other operating income .................................................................. 33,495 22,684 21,674

Fees and other income .................................................................... 278,012 245,080 212,333

Operating Income** ...................................................................... 1,041,268 958,329 848,706Net provision for loan losses and others .................................... 132,180 157,358 148,100Provision for non-trading investments .......................................... 18,430 59,321 61,800Total provisions ................................................................................ 150,610 216,679 209,900

Net Operating Income** .............................................................. 890,658 741,650 638,806Staff costs.......................................................................................... 171,643 162,032 148,869Depreciation and impairment.......................................................... 28,673 26,807 25,786Other operating expenses ................................................................ 108,854 98,815 92,523

Operating Expenses........................................................................ 309,170 287,654 267,178Gain/income relating to investment held for sale** .................. — 212,910 44,100

Profit Before Tax ............................................................................ 581,488 666,906 415,728Tax expense ...................................................................................... 50,234 42,663 37,993Net Profit for the Year ................................................................ 531,254 624,243 377,735

Attributable to:Owners of the Issuer ...................................................................... 482,529 579,374 335,703Non-controlling interest .................................................................. 48,725 44,869 42,032

531,254 624,243 377,735Earnings Per Share Attributable to the Owners of theIssuer for the Year:Basic earnings per share (US cents)*** ...................................... 8.0 10.0 5.8Diluted earnings per share (US cents)*** .................................. 8.0 9.9 5.7* Restated following the adoption of IAS 19: Employee Benefits on 1 January 2013.

** For the purpose of comparability, income relating to Ahli Bank Qatar amounting to U.S.$38,802 thousand included undershare of profit from associates and joint venture and U.S.$5,298 thousand included under fees and commissions in theaudited consolidated financial statements for the year ended 31 December 2012 have been reclassified to “gain/incomerelating to investment held for sale”. The subtotals for fees and other income, operating income and net operating incomehave been consequently adjusted but there was no effect on the reported profit before tax.

*** Adjusted for impact of bonus shares issue.

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The Group’s comparative Consolidated Statement of Cash Flows data for the year ended31 December 2014, for the year ended 31 December 2013, for the year ended 31 December 2012are given below:

Year ended

31-Dec-14 31-Dec-13 31-Dec-12

U.S.$ ‘000 U.S.$ ‘000 U.S.$ ‘000

Net cash from operating activities ................................................ 148,144 873,105 1,418,250Net cash from (used in) investing activities ................................ (335,494) 218,170 (743,120)Net cash used in financing activities ............................................ (501,454) (298,572) (1,088,341)Foreign currency translation adjustments ...................................... (62,527) (42,312) (28,571)(Decrease) Increase In Cash And Cash Equivalents.............. (751,331) 750,391 (441,782)Cash and cash equivalents at 1 January ...................................... 4,174,706 3,424,315 3,866,097Cash And Cash Equivalents At End of the year .................. 3,423,375 4,174,706 3,424,315

Selected financial ratios of the Group as at 31 December 2014, as at 31 December 2013, as at31 December 2012 are given below:

As at/For the year ended

31-Dec-14 31-Dec-13 31-Dec-12***

(per cent.) (per cent.) (per cent.)

CapitalCapital adequacy* ............................................................................ 15.5 16.2 15.6Tier 1 ratio ...................................................................................... 11.8 10.9 10.8Equity attributable to the owners of the Issuer/Total assets...... 10.1 9.6 9.3LiquidityLoans and advances/Total assets .................................................... 55.2 53.0 53.5Loans and advances/ Deposits........................................................ 65.0 62.6 63.3Asset Quality IndicatorsNon-performing loans/ Gross Loans.............................................. 2.0 2.3 2.2Loan loss reserve/Non-performing loans ...................................... 159.4 155.5 154.7

Profitability and Efficiency Ratios**ROAE**** ........................................................................................ 15.2 13.4 13.0ROAA***** ...................................................................................... 1.6 1.3 1.3Cost to Income ................................................................................ 29.7 30.0 31.5* Under Basel II

** Excludes gain on the sale of Ahli Bank Qatar of U.S.$212.9 million during 2013.

*** Restated following the retrospective adoption of International Accounting Standard 19 on 1 January 2013.

**** The Return on Average Equity attributable to owners of the Issuer (ROAE) (%) are computed by dividing Net Profitattributable to the owners of the Issuer for the year by average month-end equity attributable to owners of the Issuer forthe year.

***** The Return on Average Assets (ROAA) (%) are computed by dividing Net Profit of the Issuer for the year by averagemonth-end assets for the year.

Selected Financial Review

Financial information in this section is extracted from the financial statements contained in thesection of this Prospectus entitled “Financial Information”.

The consolidated financial statements of the Group are prepared in accordance with IFRS and inconformity with the Bahrain Commercial Companies Law and the Central Bank of Bahrain andFinancial Institutions Law. The financial statements of the Group’s subsidiaries, Ahli United Bank(Egypt) S.A.E. and Commercial Bank of Iraq PSC and the Group’s associate United Bank forCommerce and Industries S.A.C. (Libya) are prepared in accordance with the accounting principlesgenerally accepted in the respective countries and in conformity with the instructions forpreparation of financial statements by the respective central banks. The financial statements for theGroup’s subsidiaries and associates, including Ahli United Bank (UK) PLC, Ahli United BankK.S.C.P., Kuwait and Middle East Financial Investment Company K.S.C.P., Ahli Bank S.A.O.G andLegal & General Gulf B.S.C.(c), are each prepared in accordance with IFRS as adopted by the

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respective jurisdictions and also in conformity with respective regulatory requirements. At theGroup level, adjustments are made to bring into line any dissimilar accounting policies that mayexist at the subsidiary, associate and joint venture level including relating to IFRS 9. Ahli UnitedBank (UK) PLC adopted amendments to International Accounting Standard 19: Employee Benefitson 1 January 2013, which resulted in the restatement of balances as at 1 January 2012 and31 December 2012.

Year ended and as at 31 December 2014 compared with year ended and as at 31 December 2013

Financial position

Total assets increased by U.S.$0.7 billion (2.4 per cent.) to U.S.$33.4 billion as at 31 December2014 from U.S.$32.7 billion as at 31 December 2013. This was, in part, attributable to increase innet loans to U.S.$18.5 billion as at 31 December 2014 from U.S. $17.3 billion as at 31 December2013 and financial investments to U.S. $5.8 billion as at 31 December 2014 from U.S. $5.5 billionas at 31 December 2013. The increase in these figures was, in turn, driven by a U.S.$1 billion or4.4 per cent increase in customers’ deposits to U.S.$23.0 billion as at 31 December 2014 fromU.S.$22.0 billion as at 31 December 2013.

Loans and advances as at 31 December 2014 as a proportion of total assets increased to 55.2 percent. from 53.0 per cent. as at 31 December 2013 and as a proportion of deposits increased to65.0 per cent. from 62.6 per cent. as at 31 December 2013, reflecting the increase in customers’deposits referred to above.

Total operating income

Total operating income increased by U.S.$82.9 million (8.7 per cent.) to U.S.$1,041.3 million forthe year ended 31 December 2014 from U.S.$958.3 million for the year ended 31 December 2013.

The increase in total operating income was principally due to:

• a U.S.$50 million (7.0 per cent.) increase in net interest income to U.S.$763.3 million forthe year ended 31 December 2014 from U.S.$713.2 million for the year ended 31 December2013 (comprising an increase in interest income by U.S.$87.0 million due to an increase ininterest income from loans and advances and non – trading investments which was off set byU.S.$36.9 million increase in interest expense;

• The increase in net interest income was further achieved through focused liability costmanagement together with prudent growth in asset volumes within acceptable risk criteria.Increased operating income and disciplined cost culture aligned to business needs across theGroup further improved the operating cost-to-income ratio to 29.7 per cent. for the yearended 31 December 2014 (compared with 30.0 per cent. for the year ended 31 December2013);

• a U.S.$6.1 million (4.3 per cent.) increase in fee and commission-based income toU.S.$147.2 million for the year ended 31 December 2014 from U.S.$ 141.1 million for theyear ended 31 December 2013;

• a U.S.$19.5 million (106.5 per cent.) increase in net gains on investments to U.S.$37.7million for the year ended 31 December 2014 from U.S.$18.3 million for the year ended31 December 2013;

• a U.S.$3.7 million (13.3 per cent.) decrease in share of profits from associates and jointventures to U.S.$24.4 million for the year ended 31 December 2013 from U.S.$28.1 millionfor the year ended 31 December 2013; and

• a U.S.$0.3 million (0.9 per cent.) growth in trading income to U.S.$35.2 million for the yearended 31 December 2014 from U.S.$34.9 million for the year ended 31 December 2013.

The net interest margin increased to 2.4 per cent. for the year ended 31 December 2014 from 2.3per cent. for the year ended 31 December 2013, owing to improved, more focused and effective

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asset liability management and the diversification of investment of excess liquid funds. The netinterest margin is computed by dividing net interest income by month-end average interest earningassets.

Net profit

Net profit attributable to the owners of the Issuer decreased by U.S.$96.8 million (16.7 per cent.)to U.S.$482.5 million for the year ended 31 December 2014 from U.S.$ 579.4 million for the yearended 31 December 2013. The net profit for the year ended 31 December 2013 included a non-recurring gain of U.S.$212.9 million on the divestment of the Group’s 29.4 per cent. stake in AhliBank Qatar.

Excluding this item, net profit increased by U.S.$116.1 million (31.7 per cent.) for the year ended31 December 2014 compared to the year ended 31 December 2013.

Other key financial ratios

The Group’s capital adequacy ratio (under Basel II standards) was 15.5 per cent. as at31 December 2014 compared to 16.2 per cent. as at 31 December 2013. The decrease in theGroup’s capital adequacy ratio was primarily driven by the gain of U.S.$212.9 million on the saleof Ahli Bank Qatar in the year ended 31 December 2013.

The ratio of non-performing loans to gross loans improved marginally by 0.3 per cent. to 2.0 percent. as at 31 December 2014 from 2.3 per cent. as at 31 December 2013. Meanwhile, the loansloss reserve to non-performing loans ratio increased to 159.4 per cent. as at 31 December 2014compared to 155.5 per cent. as at 31 December 2013.

Return on average equity for the year ended 31 December 2014 increased by 1.8 per cent. to 15.2per cent. from 13.4 per cent. (excluding the gain on the sale of Ahli Bank Qatar) for the yearended 31 December 2013. This was attributable largely to the increases in total operating incomefor the year ended 31 December 2014 compared to the year ended 31 December 2013 referred tounder “Total operating income” above.

Return on average assets for the year ended 31 December 2014 increased by 0.3 per cent. to 1.6per cent. from 1.3 per cent. (excluding the gain on the sale of Ahli Bank Qatar) for the yearended 31 December 2013.

Year ended and as at 31 December 2013 compared with year ended and as at 31 December 2012

Financial position

Total assets increased by U.S.$2.8 billion (9.3 per cent.) to U.S.$32.7 billion as at 31 December2013 from U.S.$29.9 billion as at 31 December 2012. This was, in part, attributable to increase innet loans to U.S.$17.3 billion as at 31 December 2013 from U.S. $16.0 billion as at 31 December2012 and financial investments to U.S. $5.5 billion as at 31 December 2013 from U.S. $5.1 billionas at 31 December 2012. The increase in these figures was, in turn, driven by a U.S.$3.2 billionor 17.0 per cent increase in customers’ deposits to U.S.$22.0 billion as at 31 December 2013 fromU.S.$18.8 billion as at 31 December 2012.

Loans and advances as at 31 December 2013 as a proportion of total assets decreased to 53.0 percent. from 53.5 per cent. as at 31 December 2012 and as a proportion of deposits decreased to62.6 per cent. from 63.3 per cent. as at 31 December 2012, reflecting the increase in customers’deposits referred to above.

Total operating income

Total operating income increased by U.S.$109.6 million (12.9 per cent.) to U.S.$958.3 million forthe year ended 31 December 2013 from U.S.$848.7 million for the year ended 31 December 2012.

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The increase in total operating income was principally due to:

• a U.S.$76.8 million (12.1 per cent.) increase in net interest income to U.S.$713.2 million forthe year ended 31 December 2013 from U.S.$636.4 million for the year ended 31 December2012 (comprising an increase in interest income by U.S.$22.9 million due to an increase inloans advances and a U.S.$54.0 million reduction in interest expenses due to a reduction incost of funds);

• the increase in net interest income was further achieved through focused liability costmanagement together with prudent growth in asset volumes within acceptable risk criteria.Increased operating income and disciplined cost culture aligned to business needs across theGroup further improved the operating cost-to-income ratio to 30.0 per cent. for the yearended 31 December 2013 (compared with 31.5 per cent. for the year ended 31 December2012);

• a U.S.$19.7 million (16.2 per cent.) increase in fee and commission-based income toU.S.$141.1 million for the year ended 31 December 2013 from U.S.$121.4 million for theyear ended 31 December 2012;

• a U.S.$5.4 million (23.8 per cent.) increase in share of profits from associates and jointventures to U.S.$28.1 million for the year ended 31 December 2013 from U.S.$22.7 millionfor the year ended 31 December 2012; and

• a U.S.$8.3 million (31.2 per cent.) growth in trading income to U.S.$34.9 million for theyear ended 31 December 2013 from U.S.$26.6 million for the year ended 31 December2012.

The net interest margin increased to 2.3 per cent. for the year ended 31 December 2013 from 2.2per cent. for the year ended 31 December 2012, owing to improved, more focused and effectiveasset liability management and the diversification of investment of excess liquid funds. The netinterest margin is computed by dividing net interest income by month-end average interest earningassets.

Net profit

Net profit attributable to the owners of the Issuer increased by U.S.$243.7 million (72.6 per cent.)to U.S.$579.4 million for the year ended 31 December 2013 from U.S.$335.7 million for the yearended 31 December 2012. This increase included a gain of U.S.$212.9 million (compared withU.S.$44.1 million for the year ended 31 December 2012) on the divestment of the Group’s 29.4per cent. stake in Ahli Bank Qatar.

Excluding this item, net profit increased by U.S.$74.9 million (25.7 per cent.) for the year ended31 December 2013 compared to the year ended 31 December 2012.

Other key financial ratios

The Group’s capital adequacy ratio (under Basel II standards) increased to 16.2 per cent. as at31 December 2013 from 15.6 per cent. as at 31 December 2012. The increase in the Group’scapital adequacy ratio was primarily driven by the gain of U.S.$212.9 million on the sale of AhliBank Qatar.

The ratio of non-performing loans to gross loans increased marginally by 0.1 per cent. to 2.3 percent. as at 31 December 2013 from 2.2 per cent. as at 31 December 2012. Meanwhile, the loansloss reserve to non-performing loans ratio increased to 155.5 per cent. as at 31 December 2013from 154.7 per cent. as at 31 December 2012.

Return on average equity for the year ended 31 December 2013 (including the gain on the sale ofAhli Bank Qatar) stood at 20.1 per cent. Return on average equity (excluding the gain on the saleof Ahli Bank Qatar) for the year ended 31 December 2013 increased by 0.4 per cent. to 13.4 per

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cent. from 13.0 per cent. for the year ended 31 December 2012. This was attributable to theincreases in total operating income for the year ended 31 December 2013 compared to the yearended 31 December 2012 referred to under “Total operating income” above.

Return on average assets (including the gain on the sale of Ahli Bank Qatar) for the year ended31 December year 2013 stood at 2.0 per cent. Return on average assets (excluding the gain on thesale of Ahli Bank Qatar) for the year ended 31 December 2013 was maintained at 1.3 per cent.compared to the year ended 31 December 2012.

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TAXATION

The following is a general description of certain Kingdom of Bahrain, EU and United States taxconsiderations relating to the Capital Securities. It does not purport to be a complete analysis ofall tax considerations relating to the Capital Securities. Prospective purchasers of CapitalSecurities should consult their tax advisers as to the consequences under the tax laws of thecountries of their respective citizenship, residence or domicile of acquiring, holding and disposingof Capital Securities and receiving payments under the Capital Securities. This summary is basedupon the law as in effect on the date of this Prospectus and is subject to any change in law thatmay take effect after such date.

Kingdom of Bahrain

As at the date of this Prospectus, there are no taxes payable with respect to income, withholdingor capital gains under existing Bahrain laws. Corporate income tax is only levied on oil, gas andpetroleum companies at a flat rate of 46 per cent. This tax is applicable to any oil companyconducting business activity of any kind in Bahrain, including oil production, refining andexploration, regardless of the company’s place of incorporation.

There are no currency or exchange control restrictions currently in force under Bahrain law and thefree transfer of currency into and out of Bahrain is permitted, subject to any anti-money launderingregulations and international regulations in force from time to time.

EU Savings Directive

Under EC Council Directive 2003/48/EC on the taxation of savings income, Member States arerequired to provide to the tax authorities of other Member States details of certain payments ofinterest or similar income paid or secured by a person established in a Member State to or for thebenefit of an individual resident in another Member State or certain limited types of entitiesestablished in another Member State.

On 24 March 2014, the Council of the European Union adopted a Council Directive amending andbroadening the scope of the requirements described above. Member States are required to applythese new requirements from 1 January 2017. The changes will expand the range of paymentscovered by the Directive, in particular to include additional types of income payable on securities.They will also expand the circumstances in which payments that indirectly benefit an individualresident in a Member State must be reported. This approach will apply to payments made to, orsecured for, persons, entities or legal arrangements (including trusts) where certain conditions aresatisfied, and may in some cases apply where the person, entity or arrangement is established oreffectively managed outside of the European Union.

For a transitional period, Austria is required (unless during that period it elects otherwise) tooperate a withholding system in relation to such payments. The changes referred to above willbroaden the types of payments subject to withholding in those Member States which still operate awithholding system when they are implemented.

The end of the transitional period is dependent upon the conclusion of certain other agreementsrelating to information exchange with certain other countries. A number of non-EU countries andterritories including Switzerland have adopted similar measures (a withholding system in the caseof Switzerland).

The Proposed Financial Transactions Tax (FTT)

On 14 February 2013, the European Commission published a proposal (the Commission’sProposal) for a Directive for a common FTT in Belgium, Germany, Estonia, Greece, Spain,France, Italy, Austria, Portugal, Slovenia and Slovakia (the participating Member States).

The Commission’s Proposal has very broad scope and could, if introduced, apply to certaindealings in the Capital Securities (including secondary market transactions) in certaincircumstances. Under the Commission’s Proposal, the FTT could apply in certain circumstances to

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persons both within and outside of the participating Member States. Generally, it would apply tocertain dealings in the Capital Securities where at least one party is a financial institution, and atleast one party is established in a participating Member State. A financial institution may be, or bedeemed to be, “established” in a participating Member State in a broad range of circumstances,including (a) by transacting with a person established in a participating Member State or (b) wherethe financial instrument which is subject to the dealings is issued in a participating Member State.

Joint statements issued by participating Member States indicate an intention to implement the FTTby 1 January 2016.

However, the Commission’s Proposal remains subject to negotiation between the participatingMember States and the scope of any such tax is uncertain. Additional EU Member States maydecide to participate.

Prospective holders of the Capital Securities are advised to seek their own professional advice inrelation to the FTT.

Foreign Account Tax Compliance Act

Sections 1471 through 1474 of the U.S. Internal Revenue Code of 1986 (FATCA) impose a newreporting regime and potentially a 30 per cent. withholding tax with respect to certain payments toany non-U.S. financial institution (a foreign financial institution, or FFI (as defined by FATCA))that does not become a Participating FFI by entering into an agreement with the U.S. InternalRevenue Service (IRS) to provide the IRS with certain information in respect of its accountholders and investors or is not otherwise exempt from or in deemed compliance with FATCA. TheIssuer is classified as an FFI.

The new withholding regime is now in effect for payments from sources within the United Statesand will apply to “foreign passthru payments” (a term not yet defined) no earlier than 1 January2017.

The United States and a number of other jurisdictions have entered into intergovernmentalagreements to facilitate the implementation of FATCA (each, an IGA). Pursuant to FATCA and the“Model 1” and “Model 2” IGAs released by the United States, an FFI in an IGA signatorycountry could be treated as a “Reporting FI” not subject to withholding under FATCA on anypayments it receives. Further, an FFI in an IGA jurisdiction would generally not be required towithhold under FATCA or an IGA (or any law implementing an IGA) (any such withholding beingFATCA Withholding) from payments it makes. Under each Model IGA, a Reporting FI would stillbe required to report certain information in respect of its account holders and investors to its homegovernment or to the IRS. The United States and Bahrain have reached an agreement in substanceon the terms of an IGA based largely on the Model 1 IGA. Until the United States and Bahrainsign an IGA (the US-Bahrain IGA), Bahrain will be treated as having a Model 1 IGA in effectprovided that it remains on the IRS list of jurisdictions that have reached an agreement insubstance on the terms of an IGA. The U.S. Treasury will review this list on a monthly basis todetermine whether each jurisdiction will continue to be treated as having an IGA in effect.

If the Issuer is treated as a Reporting FI pursuant to the US-Bahrain IGA it does not anticipatethat it will be obliged to deduct any FATCA Withholding on payments it makes. There can be noassurance however, that the Issuer will be treated as a Reporting FI, or that it would in the futurenot be required to deduct FATCA Withholding from payments it makes. The Issuer and financialinstitutions through which payments on the Capital Securities are made may be required towithhold FATCA Withholding if any FFI through or to which payment on such Capital Securitiesis made is not a Participating FFI, a Reporting FI, or otherwise exempt from or in deemedcompliance with FATCA.

Whilst the Capital Securities are in global form and held within the ICSDs, it is expected thatFATCA will not affect the amount of any payments made under, or in respect of, the CapitalSecurities by the Issuer, any paying agent and the common depositary, given that each of theentities in the payment chain between the Issuer and the participants in the ICSDs is a major

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financial institution whose business is dependent on compliance with FATCA and that anyalternative approach introduced under an IGA will be unlikely to affect the Capital Securities. Thedocumentation expressly contemplates the possibility that the Capital Securities may go intodefinitive form and therefore that they may be taken out of the ICSDs. If this were to happen,then a non-FATCA compliant holder could be subject to FATCA Withholding. However, definitiveCapital Securities will only be printed in remote circumstances.

FATCA is particularly complex and its application is uncertain at this time. The abovedescription is based in part on regulations, official guidance and model IGAs, all of which aresubject to change or may be implemented in a materially different form. Prospective investorsshould consult their tax advisers on how these rules may apply to the Issuer and to paymentsthey may receive in connection with the Capital Securities.

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SUBSCRIPTION AND SALE

Pursuant to a subscription agreement (the Subscription Agreement) dated 27 April 2015 betweenthe Issuer and the Joint Lead Managers, the Issuer has agreed to issue U.S.$400,000,000 inaggregate principal amount of the Capital Securities and subject to certain conditions, the JointLead Managers have jointly and severally agreed to subscribe or procure subscribers for the CapitalSecurities at the issue price of 100 per cent. of the principal amount of Capital Securities lesscertain commissions as described below.

The Joint Lead Managers will be paid certain commissions in respect of their services formanaging the issue and offering of the Capital Securities. To the extent permitted by law, theIssuer and the Joint Lead Managers may agree that commissions or fees may be paid to certainbrokers, financial advisors and other intermediaries based upon the amount of investment in theCapital Securities purchased by such intermediary and/or its customers. Any disclosure and otherobligations in relation to the payment of such commission to such intermediary are solely theresponsibility of the relevant intermediary and none of the Issuer, the Joint Lead Managers or anyof their affiliates, nor any person who controls or is a director, officer, employee or agent of anysuch person accepts any liability or responsibility whatsoever for compliance with such obligations.Each customer of any such intermediary is responsible for determining for itself whether aninvestment in the Capital Securities is consistent with its investment objectives.

The Issuer has agreed to reimburse the Joint Lead Managers for certain of their expenses inconnection with the issue of Capital Securities and to indemnify the Joint Lead Managers againstcertain liabilities incurred by them in connection therewith.

United States

The Capital Securities have not been and will not be registered under the Securities Act and maynot be offered or sold within the United States or to, or for the account or benefit of, U.S.Persons except in accordance with Regulation S under the Securities Act or pursuant to anexemption from the registration requirements of the Securities Act. Terms used in this paragraphhave the meanings given to them by Regulation S under the Securities Act.

Each Joint Lead Manager has represented and agreed that it has not offered sold or delivered anyCapital Securities, and will not offer, sell or deliver any Capital Securities: (a) as part of theirdistribution at any time; or (b) otherwise until 40 days after the completion of the distribution ofall Capital Securities as determined and certified as provided below, only in accordance with Rule903 of Regulation S under the Securities Act. Each Joint Lead Manager who purchases CapitalSecurities shall determine and certify to the Fiscal Agent the completion of the distribution of theCapital Securities. On the basis of such notification or notifications, the Fiscal Agent has agreed tonotify such Joint Lead Manager of the end of the distribution compliance period with respect tothe Capital Securities.

Until 40 days after the commencement of the offering of the Capital Securities, an offer or sale ofthe Capital Securities within the United States by any dealer/manager (whether or not participatingin the offering) may violate the registration requirements of the Securities Act if such offer or saleis made otherwise than in accordance with an available exemption from registration under theSecurities Act.

United Kingdom

Each Joint Lead Manager has represented and agreed that:

(a) it has only communicated or caused to be communicated and will only communicate orcause to be communicated any invitation or inducement to engage in investment activity(within the meaning of Section 21 of the Financial Services and Markets Act 2000 (FSMA))received by it in connection with the issue or sale of any Capital Securities in circumstancesin which Section 21(1) of the FSMA does not apply to the Issuer; and

93

(b) it has complied and will comply with all applicable provisions of the FSMA with respect toanything done by it in relation to any Capital Securities in, from or otherwise involving theUnited Kingdom.

Japan

The Capital Securities have not been and will not be registered under the Financial Instrumentsand Exchange Act of Japan (Act No. 25 of 1948, as amended, the FIEA) and each Joint LeadManager has represented and agreed that it will not offer or sell any Capital Securities, directly orindirectly, in Japan or to, or for the benefit of, any resident of Japan (as defined under Item 5,Paragraph 1, Article 6 of the Foreign Exchange and Foreign Trade Act (Act No. 228 of 1949, asamended)), or to others for re-offering or resale, directly or indirectly, in Japan or to, or for thebenefit of, a resident of Japan except pursuant to an exemption from the registration requirementsof, and otherwise in compliance with, the FIEA and any other applicable laws, regulations andministerial guidelines of Japan.

Hong Kong

Each Joint Lead Manager has represented and agreed that:

(a) it has not offered or sold and will not offer or sell in Hong Kong, by means of anydocument, any Capital Securities other than (i) to persons whose business is to buy or sellshares or debentures (whether as principal or agent): (ii) to “professional investors” withinthe meaning of the Securities and Futures Ordinance (Cap. 571) of Hong Kong (the SFO)and any rules made under the SFO; or (iii) in other circumstances which do not result in thedocument being a “prospectus” as defined in the Companies (Winding Up and MiscellaneousProvisions) Ordinance (Cap. 32) of Hong Kong (the CO) or which do not constitute an offerto the public within the meaning of the CO; and

(b) it has not issued or had in its possession for the purposes of issue, and will not issue orhave in its possession for the purposes of issue (in each case whether in Hong Kong orelsewhere), any advertisement, invitation or document relating to the Capital Securities,which is directed at, or the contents of which are likely to be accessed or read by, thepublic in Hong Kong (except if permitted to do so under the securities laws of Hong Kong)other than with respect to any Capital Securities which are or are intended to be disposed ofonly to persons outside Hong Kong or only to “professional investors” within the meaning ofthe SFO and any rules made under the SFO.

The United Arab Emirates (excluding Dubai International Financial Centre)

Each Joint Lead Manager has represented and agreed that the Capital Securities have not been andwill not be publicly offered, sold or promoted or advertised by it in the United Arab Emirates (theUAE) other than in compliance with any laws applicable in the UAE governing the issue, offeringand sale of securities.

Dubai International Financial Centre

Each Joint Lead Manager has represented and agreed that it has not offered and will not offer theCapital Securities to any person in the Dubai International Financial Centre unless such offer is:

(a) an “Exempt Offer” in accordance with the Markets Rules (MKT) module of the DubaiFinancial Services Authority (the DFSA); and

(b) made only to persons who meet the “Professional Client” criteria set out in Rule 2.3.2 ofthe DFSA Conduct of Business Module.

Kingdom of Saudi Arabia

No action has been or will be taken in the Kingdom of Saudi Arabia that would permit a publicoffering of the Capital Securities. Any investor in the Kingdom of Saudi Arabia or who is a Saudiperson (a Saudi Investor) who acquires any Capital Securities pursuant to an offering should note

94

that the offer of Capital Securities is an offer to “Sophisticated Investors” (as defined in Article 10of the “Offer of Securities Regulations” as issued by the Board of the Capital Market Authorityresolution number 2-11-2004 dated 4 October 2004 and amended by the Board of the CapitalMarket Authority resolution number 1-28-2008 dated 18 August 2008 (the KSA Regulations)) forthe purposes of Article 9 of the KSA Regulations. Each Joint Lead Manager has represented andagreed that the offer of the Capital Securities will only be directed at Sophisticated Investors.

The offer of Capital Securities shall not therefore constitute a “public offer” pursuant to the KSARegulations, but is subject to the restrictions on secondary market activity under Article 17 of theKSA Regulations. Any Saudi Investor who has acquired Capital Securities as a SophisticatedInvestor may not offer or sell those Capital Securities to any person unless the offer or sale ismade through an authorised person appropriately licensed by the Saudi Arabian Capital MarketAuthority and: (a) the Capital Securities are offered or sold to a “Sophisticated Investor” (b) theprice to be paid for the Capital Securities in any one transaction is equal to or exceeds SaudiRiyal 1 million or an equivalent amount; or (c) the offer or sale is otherwise in compliance withArticle 17 of the KSA Regulations.

Kingdom of Bahrain

Each Joint Lead Manager has represented and agreed that it has not offered or sold, and will notoffer or sell, any Capital Securities except on a private placement basis to persons in the Kingdomof Bahrain who are “accredited investors”.

For this purpose, an accredited investor means:

(a) an individual holding financial assets (either singly or jointly with a spouse) ofU.S.$1,000,000 or more;

(b) a company, partnership, trust or other commercial undertaking which has financial assetsavailable for investment of not less than U.S.$1,000,000; or

(c) a government, supranational organisation, central bank or other national monetary authorityor a state organisation whose main activity is to invest in financial instruments (such as astate pension fund).

State of Qatar

Each Joint Lead Manager has represented and agreed that it has not offered or sold, and will notoffer or sell, directly or indirectly, any Capital Securities in the State of Qatar, including the QatarFinancial Centre, except: (a) in compliance with all applicable laws and regulations of the State ofQatar, including the Qatar Financial Centre; and (b) through persons or corporate entitiesauthorised and licensed to provide investment advice and/or engage in brokerage activity and/ortrade in respect of foreign securities in the State of Qatar.

General

Each Joint Lead Manager has agreed that it will (to the best of its knowledge and belief) complywith all applicable securities laws and regulations in force in any jurisdiction in which it offers orsells any Capital Securities or possesses or distributes this Prospectus and will obtain any consent,approval or permission required by it for the offer or sale by it of any Capital Securities under thelaws and regulations in force in any jurisdiction to which it is subject or in which it makes suchoffers or sales and neither the Issuer nor any of the Joint Lead Managers shall have anyresponsibility therefor.

Neither the Issuer nor any of the Joint Lead Managers represents that Capital Securities may atany time lawfully be sold in compliance with any applicable registration or other requirements inany jurisdiction, or pursuant to any exemption available thereunder, or assumes any responsibilityfor facilitating such sale. Persons into whose possession this Prospectus or the Capital Securitiesmay come must inform themselves about, and observe, any applicable restrictions on thedistribution of this Prospectus and the offering and sale of Capital Securities.

95

GENERAL INFORMATION

Authorisation

The issue of Capital Securities by the Issuer was duly authorised by resolutions of the Board ofDirectors of the Issuer on 14 May 2013, 29 May 2013, 19 February 2014, 17 September 2014 and22 February 2015 and by the shareholders of the Issuer on 21 March 2013.

Approval of the Prospectus, Admission to Trading and Listing of Capital Securities

Application has been made to the Irish Stock Exchange for the Capital Securities to be admitted tothe Official List and to trading on the Main Securities Market. The Main Securities Market is aregulated market for the purposes of MiFID. It is expected that the listing of the Capital Securitieson the Official List and admission of the Capital Securities to trading on the Main SecuritiesMarket will be granted on or around 30 April 2015. The total expenses related to the admission totrading are estimated at €4,940.

Arthur Cox Listing Services Limited is acting solely in its capacity as listing agent for the Issuerin relation to the Capital Securities and is not itself seeking admission of the Capital Securities tothe Official List or to trading on the Main Securities Market.

Documents Available

For the life of this Prospectus, and following the date of this Prospectus, physical copies of thefollowing documents will, when published, be available for inspection from the registered office ofthe Issuer and from the specified offices of the Paying Agents for the time being in London:

(a) the Memorandum and Articles of Association (with an English translation thereof) of theIssuer;

(b) the consolidated financial statements of the Issuer in respect of the financial years ended31 December 2014, 31 December 2013 and 31 December 2012, in each case together withthe audit reports prepared in connection therewith;

(c) the Agency Agreement (which contains the forms of the Global Certificate and the IndividualCertificate); and

(d) a copy of this Prospectus.

Clearing Systems

The Capital Securities have been accepted for clearance through Euroclear and Clearstream,Luxembourg (which are the entities in charge of keeping the records) under common code113328983 and ISIN XS1133289832.

The address of Euroclear is Euroclear Bank SA/NV, 1 Boulevard du Roi Albert II, B-1 210Brussels and the address of Clearstream, Luxembourg is Clearstream Banking, société anonyme, 42Avenue JF Kennedy, L-1855 Luxembourg.

Significant or Material Change

There has been no significant change in the financial or trading position of the Issuer or of theGroup and there has been no material adverse change in the prospects of the Issuer or of theGroup, in each case since 31 December 2014.

Litigation

Neither the Issuer nor any member of the Group is or has been involved in any governmental,legal or arbitration proceedings (including any such proceedings which are pending or threatened of

96

which the Issuer is aware) in the 12 months preceding the date of this Prospectus which may haveor have in such period had a significant effect on the financial position or profitability of theIssuer or the Group.

Auditors

The auditors of the Issuer are Ernst & Young, Bahrain. Ernst & Young, Bahrain are authorised andregulated by the CBB and the Ministry of Commerce in Bahrain.

Ernst & Young, Bahrain have audited the Issuer’s consolidated financial statements, in accordancewith International Standards on Auditing, for each of the financial years ended 31 December 2014,31 December 2013 and 31 December 2012, as stated in their reports included herein.

Websites

The contents of any website referred to in this Prospectus do not form part of this Prospectus.

Joint Lead Managers Transacting with the Issuer

In the ordinary course of their business activities, the Joint Lead Managers and their affiliates maymake or hold a broad array of investments and actively trade debt and equity securities (or relatedderivative securities) and financial instruments (including bank loans) for their own account and forthe accounts of their customers. Such investments and securities activities may involve securitiesand/or instruments of the Issuer or the Issuer’s affiliates. Certain of the Joint Lead Managers ortheir affiliates that have a lending relationship with the Issuer routinely hedge their credit exposureto the Issuer consistent with their customary risk management policies. Typically, such Joint LeadManagers and their affiliates would hedge such exposure by entering into transactions whichconsist of either the purchase of credit default swaps or the creation of short positions insecurities, including potentially the Capital Securities. Any such short positions could adverselyaffect future trading prices of Capital Securities. The Joint Lead Managers and their affiliates mayalso make investment recommendations and/or publish or express independent research views inrespect of such securities or financial instruments and may hold, or recommend to clients that theyacquire, long and/or short positions in such securities and instruments.

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F-1

FINANCIAL INFORMATION

Consolidated financial statements of the Issuer for the year ended 31 December 2014together with the audit report thereon ........................................................................................ F-2

Consolidated financial statements of the Issuer for the year ended 31 December 2013together with the audit report thereon .......................................................................................... F-64

Consolidated financial statements of the Issuer for the year ended 31 December 2012together with the audit report thereon .......................................................................................... F-124

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F-184

ISSUER

Ahli United Bank B.S.C.Building 2495

Road 2832Al Seef District 428

P.O. Box 2424Manama

Kingdom of Bahrain

FISCAL AGENT ANDCALCULATION AGENT REGISTRAR AND TRANSFER AGENT

HSBC Bank plc HSBC Bank plc8 Canada Square 8 Canada SquareLondon E14 5HQ London E14 5HQUnited Kingdom United Kingdom

LEGAL ADVISERS

To the Issuer as to English law To the Issuer as to Bahraini law

Slaughter and May Jalila SayedOne Bunhill Row Office 44 (4th floor)

London EC1Y 8YY Al Jawahara PlazaUnited Kingdom Building 2373 – Road 2831

Block 428 – Al Seef DistrictP.O. Box 18737

ManamaKingdom of Bahrain

To the Joint Lead Managers To the Joint Lead Managersas to English law as to Bahraini law

Allen & Overy LLP Hassan Radhi & AssociatesLevel 2 Attorneys & Legal Consultants

The Gate Village Building GV08 Era Business CentreDubai International Financial Centre Building 361

P.O. Box 506678 Road 1705Dubai Block 317 Diplomatic Area

United Arab Emirates 18th and 19th FloorManama

Kingdom of Bahrain

AUDITORS

To the Issuer

ERNST & YOUNGP.O. Box 140

14th Floor, The TowerBahrain Commercial Complex

ManamaKingdom of Bahrain

JOINT LEAD MANAGERS

Goldman Sachs International HSBC Bank plc Morgan Stanley & Co.International plc

Peterborough Court 8 Canada Square 25 Cabot Square133 Fleet Street London E14 5HQ Canary Wharf

London EC4A 2BB United Kingdom London E14 4QAUnited Kingdom United Kingdom

LISTING AGENT

Arthur Cox Listing Services LimitedEarlsfort CentreEarlsfort Terrace

Dublin 2Ireland

Printed on recycled paper by: Arion Financial Limited A301368