Group Management Structure

Sharia Advisory & Supervisory Board

Audit & Compliance Committee

AUB Board of Directors

Executive Committe

Group CEO & Managing Director

Compensation Committe

AlHilal Life AUBK AUBUK Nominating Board of Board of Board of Committe Directors Directors Directors

CBIQ AUBE UBCI Board of Board of Board of Directors Directors Directors

Finance & Human Treasury & Retail AlHilal Life AUBK AUBUK Strategic Resources & Audit Investments Banking CEO CEO CEO Development Development Group Head DGCEO DGCEO DGCEO Group Head

Private Banking DIFC Corporate Technology & Risk, Legal & CBIQ AUBE UBCI & Wealth Branch Banking Operations Compliance CEO CEO CEO Management CEO Group Head DGCEO DGCEO DGCEO

Corporate Compliance Affairs Group Head Group Corporate Secretary

Sharia Compliance Officer Group Management

ADEL A. EL-LABBAN KEITH GALE Group Chief Executive Officer and Managing Director Deputy Group Chief Executive Officer - Risk, Legal and Compliance Director since 30 July 2000. Holds a Masters in Economics Director, Ahli United K.S.C.P. ; Director, Ahli United (Highest Honors) from the American University in Cairo, Bank S.A.E., ; Director, (UK) P.L.C.; 1980, Bachelors in Economics (Highest Honors) from Director, Ahli Bank S.A.O.G., ; Previously Group Head American University in Cairo, 1977. of Risk Management, Ahli United Bank, ; Former Head of Credit and Risk at ABC International Bank P.L.C.; Former Group Chief Executive Officer & Managing Director, Ahli Assistant Vice President, Internal Audit Department, Arab United Bank B.S.C., Bahrain; Deputy Chairman, United Banking Corporation, Bahrain. Held various positions in the Bank for Commerce & Investment S.A.C., ; Director, UK with KPMG and Ernst & Young. Associate Member of the Ahli United Bank (UK) PLC; and Director, Ahli United Bank Institute of Chartered Accountants England & Wales (ACA) K.S.C.P., Kuwait. and holds a BA (Hons) in Accounting and Finance from the University of Lancaster, UK . Formerly: Chief Executive Officer and Director, United Bank of Kuwait P.L.C., UK; Managing Director, Commercial (Total years of experience: 40 years) International Bank, Egypt S.A.E.; Chairman, Commercial International Investment Company, Egypt; First Deputy Chairman, Ahli Bank S.A.O.G., Oman; Vice Chairman, SUVRAT SAIGAL Middle East Financial Investment Co., Saudi Arabia; Deputy Deputy Group Chief Executive Officer – Chairman, Ahli United Bank S.A.E., Egypt; Deputy Chairman, Director, Al Hilal Life B.S.C.(c) & Al Hilal Takaful B.S.C.(c), Commercial Bank of ; Director, Ahli United Bank Limited, Bahrain. Former: Head of Mass Segment and Products, First UAE; Vice President, Corporate Finance, Morgan Stanley, Abu Dhabi Bank, UAE; Head of Global Retail, National Bank USA; Assistant Vice President, , of Abu Dhabi, UAE; Head of Consumer Banking, Barclays, Bahrain; Director, , formerly Bahrain India; Head of Strategy, Marketing & Consumer Experience, Stock Exchange; Director, Kuwait & Middle East Financial Citibank, Australia; Citibanking Head, Asia Pacific, Citibank Investment Co., Kuwait; and Director, Bahrain Association N.A., Singapore; Cards Head, Citibank N.A., Japan. Held of , Bahrain. various management positions with Citibank in Singapore, USA, India and Saudi Arabia. Holds a Bachelor of Engineering (Total years of experience: 42 years) from Delhi College of Engineering, India.

(Total years of experience: 31 years) SANJEEV BAIJAL Deputy Group Chief Executive Officer - GEOFF STECYK Finance and Strategic Development Deputy Group Chief Executive Officer - Chairman, Al Hilal Life B.S.C.(c) & Al Hilal Takaful B.S.C.(c), Operations and Technology Bahrain; Director, Ahli United Bank K.S.C.P., Kuwait; Second Former: Chief Operating Officer, Rakbank, UAE; Group Deputy Chairman, Ahli Bank S.A.O.G., Oman; Previous Chief Technology Officer, Maybank Berhad, Malaysia; Vice experience as Group Head of Finance, Ahli United Bank President – National Head of Bancassurance, AIA China; B.S.C., Bahrain; Financial Controller, Al-Ahli Commercial Executive Vice President – Business Integration, Southern Bank, Bahrain; Held various positions at Ernst & Young, Bank Berhad, Malaysia; Co-Director and Founder, Asiapace Bahrain and Price Waterhouse in India; Chartered Global Limited, Malaysia, Hong Kong and Singapore; General Management Accountant under Association of International Manager, Southern Bank Unit Trust, Malaysia; Financial Certified Professional Accountants; Member of the American Consultant, Southern Bank Unit Trust, Malaysia; Business Institute of Certified Public Accountants (AICPA), and Development Officer, Investors Group, Canada. Holds a Associate Member of the Institute of Chartered Accountants Bachelor of Commerce, Marketing/ Finance from University of India (ACA). of Alberta, Canada.

(Total years of experience: 37 years) (Total years of experience: 29 years) Group Management

DAVID O’LOAN IMAN AL-MADANI Deputy Group Chief Executive Officer - Group Head – Human Resources & Development, CGM Treasury and Investments Former Group Head of Human Resources & Head of Human Former: Director, Ahli United Bank K.S.C.P., Kuwait; Group Resources, Bank of Kuwait & Middle East (BKME). Former Treasurer for J. Sainsbury Plc, UK; Deputy Group Treasurer, RBS Assistant General Manager Human Resources, Burgan Bank, Group, UK; Senior Vice President, Swiss Re Asset Management, Kuwait. Certified Corporate Governance Officer (CCGO) from Switzerland; Investment Director, Standard Life Investments, the London Business School. Holds a Bachelor of Science UK; Head of Treasury, BGB (Ireland) plc, Ireland; Manager, in Mathematics from the University of Denver, USA and an Citibank N.A, Ireland. Fellow of the Association of Chartered Associate Degree in Computer Science, Lane College, Oregon Certified Accountants, holds a Master of Science degree in State, USA. Treasury & Investment from Dublin City University and an MBA (Total years of experience: 37 years) from University of Edinburgh.

(Total years of experience: 27 years) OTHMAN HIJAZI Group Head – Corporate Banking MARK HIRST Vice Chairman, Commercial Bank of Iraq; Board member, Deputy Group Chief Executive Officer - Al Hilal Life B.S.C.(c) and Al Hilal Takaful B.S.C.(c), Bahrain; and Board Member, Al Ahli Real Estate Company WLL, Bahrain; Former: Chief Executive Officer & Head of Private Banking, Director, Property Company One & Two Ltd, UK . Former: Standard Chartered Bank, Switzerland; Chairman of CS UK Executive Director International Corporates – Origination and Ltd & Market Area Head UK/ International - Credit Suisse Customers Coverage – Saudi and Kuwait Markets, Standard Group, Switzerland; Executive Board Member & Market Area Chartered Bank, UAE; Executive Director – Head of Local Head Middle East & Africa - Deutsche Bank, Switzerland; CEO Corporate Business – Origination and Customer Coverage - Deutsche Bank International Ltd, Channel Islands; CEO & – Sharjah and Northern Emirates, Standard Chartered Bank, Chief Investment Officer – RBC Global Asset Management UAE; Senior Relationship Manager – Business Banking Group, UK Ltd; Head of Asset Allocation & Senior Portfolio Manager Abu Dhabi Commercial Bank, UAE; Relationship Manager, - Manufactures Life International Investment Office, UK. Commercial Bank International, UAE. Holds a Masters in Economist - Confederation of British Industry, UK. Holds a Finance from University of Western Sydney, Australia. Masters in International Management from McGill University (Total years of experience: 27 years) in Canada, Diploma in International Practicing Management from INSEAD, Bachelor of Science from University of Swansea and is a Chartered Fellow of the Institute of Directors, member SAMI TAMIM of the CFA Institute and STEP. Chief Executive Officer – AUBUK (Total years of experience: 38 years) Director, Arab Bankers Association, UK. Formerly: Deputy CEO – Private Banking and Wealth Management, Ahli United Bank (UK) PLC; Executive Director, UBS, London; Director, Citibank, UK; Senior Vice President, Coutts Bank, Geneva; Managing Director, Bank of Beirut, UK; Head of Private Banking, SAMBA, UK. Holds a Bachelor Degree in Economics from the American University of Beirut and is a Chartered Wealth Manager and Fellow of the Chartered Institute for Securities & Investment, London. (Total years of experience: 36 years) Group Management

JEHAD AL-HUMAIDHI AYMAN EL GAMMAL Acting Chief Executive Officer – Chief Executive Officer – Ahli United Bank, Kuwait United Bank for Commerce & Investment, Libya Director, Al Hilal Life B.S.C.(c) & Al Hilal Takaful B.S.C.(c); Vice Former Assistant Managing Director and Head of Investments, Chairman, Ci Net, Kuwait; Vice Chairman, KNET, Kuwait. National Investment Bank, Egypt, Former Managing Director, Former DCEO - Banking Support, Ahli United Bank K.S.C.P; Asset Management - Private Equity, NAEEM Holdings, Egypt, Former Senior General Manager of IT & Operations, Ahli Former Managing Director, EFG Hermes Private Equity, United Bank K.S.C.P, Kuwait. Held various managerial positions Egypt, Former Executive Director, Commercial International in Ahli United Bank Kuwait. Holds a BSC Mathematics from Investment Company, Former Assistant General Manager, Kuwait University and minor in Economics. Commercial International Bank (CIB), Egypt. Former board member in various companies and banks representing (Total years of experience: 36) employers’ investments. Holds a BA in Business from Cairo University, Egypt. HALA SADEK (Total years of experience: 37 years) Chief Executive Officer – Ahli United Bank, Egypt Director, Ahli United Bank Egypt S.A.E. Former Senior Deputy VIVEK KASTWAR CEO – Risk, Finance & Operations / Executive Director, Ahli Acting Chief Executive Officer – United Bank Egypt S.A.E.; Former Senior General Manager Ahli United Bank B.S.C. (DIFC Branch) – Head of Risk Management, Ahli United Bank Egypt S.A.E; Former Head of Risk Asset Management Group, Commercial Former: Head of Corporate Banking, AUB B.S.C. (DIFC International Bank, Egypt; Former Assistant General Manager Branch), UAE; Unit Head – Corporate Banking, Ahli United – Corporate Banking Group, Commercial International Bank, Bank, Bahrain; Vice President & Knowledge Manager, Yes Bank Egypt. Holds a Bachelor degree in Economics from Faculty Ltd, India; Regional Manager, ICICI Bank Ltd, India; Manager of Economics & Political Science Cairo University, Egypt. – Credit Risk Management, Chinatrust Commercial Bank (CTCB), India; Assistant Manager – Corporate Finance, Gujarat (Total years of experience: 32) Lease Financing Limited, India; Senior Financial Analyst, SIRCON, India. Holds a Masters in Business Administration (MBA) from Prestige Institute of Management and Research NOURI ALDUBAYSI in India and GMPe from Indian Institute of Management. Chief Executive Officer - Commercial Bank of Iraq (Total years of experience 25) Director, Commercial Bank of Iraq P.S.C., Iraq. Former Deputy General Manager, Al Rasheed Bank, Iraq. Held senior management positions with Rafidain Bank and Al Rasheed SAID HATHOUT Bank, Iraq. Holds a degree in Accounting from International Chief Executive Officer – Al Hilal Life & Al Hilal Takaful Institute of Accountancy in Lebanon. Former Chief Operating Officer, Al Hilal Life B.S.C.(c) and (Total years of experience: 57 years) Al Hilal Takaful B.S.C.(c), Bahrain; Former Operations and IT Director, Al Hilal Life B.S.C.(c) and Al Hilal Takaful B.S.C.(c), Bahrain; Former Regional Operations Director, ACE Life Insurance Company, Former Chief Operations Officer, ACE Life Insurance Company Egypt; Former Life Administration Manager, Arabia Insurance Company S.A.L.; Lebanon. Holds a Master’s Degree in Business Administration and a Bachelor Degree in Business Marketing from the Lebanese American University in Lebanon. (Total years of experience: 23 years)