Palestinian Population Total Population: 11.6 M

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2 Palestinian Population Total Population: 11.6 M 3 K 25 K 2 K 15 K 1 K 5K 5K 1 K 15 K 2 K 25 K 3 K , ,228 4,168 Literacy Rate 6, ,492 1,945 14, ,139 21,218 Currency 2,51 29, ,494 33,39 JOD Male 41,384 61, ,337 41,33 Female ILS 83, ,627 12, , , ,575 Age % of total population 146, ,555 28, ,53 258, , , , , , ,4 245, , , % 6 % UNDER THE AGE OF 24 3 K 25 K 2 K 15 K 1 K 5K 5K 1 K 15 K 2 K 25 K 3 K SLIDE N O. 2

3 GDP & SECTOR CONTRIBUTION TO GDP IN PALESTINE GDP/ Capita $1,737 $1,815 $2,185 $2,489 9% 4% 12% 14% 3% 1% 13% 21% 7% 5% 2% SLIDE N O. 3

4 PALESTINE - Operating Banks $ Billion BANKS Operating in Palestine Local Banks (7) Foreign Banks (1) Commercial Banks (5) 7.41 Jordanian (8) Other Foreign Banks (2) Islamic Banks (2) Assets Deposits Loans No. of Branches SLIDE N O. 4

5 BANKING SECTOR OVERVIEW - Assets Deposits Loans $ Billion Assets Deposits Loans No. of Branches SLIDE N O. 5

6 PALESTINE VS. REGION 212 GDP Growth 5.9% 5.9% 6.% 6.% 4.2% 2.2% 2.8% 2.3% 1.5% Egypt Jordan Lebanon MENA Palestine Qatar Saudi Arabia UAE Loan to Deposit Ratio 55.2% Non-Performing Loans 2.3% 1.1% 47.4% 84.9% 71.3% 34.8% 72.7% 55.2% 111.2% 76.2% 94.9% 6.6% 8.4% 3.5% 5.4% 2.3% 1.7% 7.6 Egypt Emerging Markets Jordan Lebanon MENA Palestine Qatar Saudi Arabia UAE Egypt Emerging Markets Jordan Lebanon MENA Palestine Qatar UAE SLIDE N O. 6

7 REGULATORS Palestine Capital Market Authority (PCMA) Established in 24 Its jurisdiction encompasses securities, insurance, financial mortgages, leasing sectors, and non-banking financial institutions Palestine Monetary Authority (PMA) Established in 1995 IMF, 211: "The PMA is capable and ready to assume the role of the Palestinian central bank" Installed one of the first electronic credit bureaus in the Middle East SLIDE N O. 7

8 PALESTINE - PMA Regulatory Framework & Reforms The Palestine Monetary Authority (PMA) is the emerging Central Bank of Palestine. Its overall purpose is to ensure price stability and contribute to the stability and effectiveness of the Palestinian financial system. The PMA was established in 1995 by a presidential decree as an independent institution and later by an act of the Palestine Legislative Council PMA Law Number (2) of 1997, which ovutlined the full authority and autonomy of the PMA. Since 27, the PMA has made notable progress in institutional reform, enabling it to fulfil the core functions of a central bank. Below is a summary of the main institutional reforms. Strengthening the Supervision and Regulatory Framework Electronic Credit Bureau & Credit Scoring Systems Electronic Payment System (RTGS) Monetary Operations Department Strengthening the Financial Sector s Legal Framework A new Banking Law was enacted in November 21 to strengthen the financial sector s legal framework. This law aims to maintain a strong and stable financial system, based on fair competition, and to maintain the integrity of this system to ensure renewed confidence from clients and shareholders alike. Introduced the IBAN to Palestine end of 212 Deposit Insurance Corporation In 213, the Deposit Insurance Corporation Law was enacted as the result of the intensive efforts in collaboration between the PMA, the Banking Association, and World Bank experts.the law establishes the Palestine Deposit Insurance Corporation which aims at safeguarding small depositors, maintaining the stability of the banking system, and thus mobilizing more savings that would enable banks to play a better role in the economy. The PMA joined the International Association of Deposit Insurers (IADI), which has more than 132 countries as members. SLIDE N O. 8

9 THE WORLD BANK S DOING BUSINESS REPORT 213 Protecting Investors Palestine s Rank: 49 (out of 185 countries) Palestine s rank in the region: 3 (after Saudi and Kuwait) Enforcing Contracts Palestine s rank in the region: 5 SLIDE N O. 9

10 THE PALESTINE EXCHANGE Established in 1995 first trading session in 1997 Listed on PEX 49 listed companies on PEX (213) with market capitalization of about USD 3 billion Operates under the supervision of the Palestine Capital Market Authority One of the most rewarding exchanges in the region in terms of return on investment (ROI) which averaged 6% per annum over the last five years SLIDE N O. 1

11 BANK OF PALESTINE OVERVIEW SLIDE N O. 11

12 US$ 2,181,799,362 US$ 2 billion US$1,653,96,732 US$1,545,, 211 Established PalPay - Electronic Payment Solutions US$1,28,, US$ 1 billion $ Launch of GPRS Point of Sale service and Through ATM s. $ First in Palestine to introduce SWIFT services with correspondent banks US$ 497,, $431 $ Million $ Founding of the bank in Gaza 1967 Bank is closed after the Israeli invasion of Gaza and the West Bank. $.7 $.8 $1.2 $1.5 $1.8 $1.8 $2.2 $6.6 $7.3 $ First bank to introduce computers in Palestine $9.6 $11 Direct links are established 1994 with international banks $13 $18 $27 $41 $11 $15 $156 $258 $219 $239 $165 $ First to establish a card processing center in Palestine $255 $ Founding of BoP s investment arm - Al Wasata Securities Co. and 25 BoP shares are listed on the Palestine Stock Exchange. 22 Establishment of international trade department and direct dealing with international banks. 2 Introduction of ATM s and Points of Sale to the banking system H213 SLIDE N O. 12

13 BOP - Expansion of Banking Network 1, 9 Under Construction Palestine s largest 471 banking network with 48 branches across all major 1 cities & underbanked areas Nasser Saraya Rimal Nusseirat Deir El Balah Karni Jabaliya Omar Al Mukhtar General Managment, Gaza Qalqilia West Bank Al Yamoun Jenin Yabud Qabatiya Atteel Maythaloon Khadouri Toulkarem Toubas Asira Nablus Hisbeh Axoun Huwwara Growth in no. of branches Rafah Crossing Rafah Khanyounis General Management Headquarters, Ramallah Ni leen Salfeet Irsal Birzeit Uni. Tannous Silwad Deir DIbwan AL Bireh Al Ram Turmusaaya Jericho Gaza Tarqumiya Dura Beit Jala Al Thahiria Beit Sahour Halhoul Saeer Hebron Yatta Abu Dees Bethlehem 2% 19.19% SLIDE N O. 13

14 BOP - General Management headquarters Ramallah SLIDE N O. 14

15 BOP - Hebron & Bethlehem Flagship Buildings SLIDE N O. 15

16 BOP - Growth of the Cards and E-Payments Business Bank of Palestine holds the leading market position as the agent for VISA and Mastercard and sole provider of Palestine s Point of Sale merchant network around 5 -nationwide No. of Merchant Outlet Points of Sale (POS) 5, 5, 4,5 4, 3,5 3, 2,5 2, 1,5 1, Debit Cards Issued 14, 14, 12, 1, 8, 6, 4, 2, Growth in POS Transactions $11,, $1,, $9,, $8,, $7,, $6,, $5,, $4,, $3,, $2,, $1,, $ Credit Cards Issued 22, 2, 18, 16, 14, 12, 1, 8, 6, 4, 2, 12, , SLIDE N O. 16

17 BOP - Subsidiary Companies - Palpay PalPay is a leading Palestinian E-payment solutions provider for prepaid and utility payment systems. These solutions will enable end users to pay utility bills and top-up mobile vouchers from Bank of Palestine ATMs, nationwide POS machines or by using Bank of Palestine electronic services such as online and mobile banking. Our aim is to provide a complete solution for E-payment systems in Palestine. We provide our clients with full management capabilities to control business and revenues, maximize revenues through selling prepaid services and electronic money collection. SLIDE N O. 17

18 BOP - Subsidiary Companies - Al Wasata Securities Co. Assets under management reached $36 million at the end of 212. In 212 and since its establishment (for the 6th consecutive year) Al-Wasata has been the number 1 broker in terms of number of new investor accounts opened (out of a total of 8 brokerage companies in Palestine). Al-Wasata had the highest trading volume in the second half of 212 compared with the other brokerage companies in Palestine. SLIDE N O. 18

19 BOP - CONTRIBUTION TO SECTORS $1 billion in loans granted by Bank of Palestine to date 32% 37% 17% 14% $14 million granted to over 2, MSMEs sustaining 1, jobs SLIDE N O. 19

20 BOP - LOANS TO MSMES Fisherman Loans SLIDE N O. 2

21 BOP - Supporting the Environment Green Loans In 21, and for the first time in the region, BOP launched a distinctive programme entitled Green Loans to enable residents of rural areas to invest in renewable access to energy and resources such as: Solar Energy Greywater Recycling Rainwater Harvesting SLIDE N O. 21

22 BOP - Diaspora Unit SLIDE N O. 22

23 BOP - SUSTAINABILITY We contribute 5% of annual net profits towards CSR SLIDE N O. 23

24 BOP - Awards SLIDE N O. 24

25 BOP - Corporate Actions and Dividend C. A. Type Announcement Date Dividend Date Record Date Outstanding Shares Before C.A. 213 Cash Dividends -$ No.Of New Shares Outstanding Shares After C.A. % of Dividend SLIDE N O. 25

26 BANK OF PALESTINE FINANCIAL HIGHLIGHTS 1H 213 results are based on Bank of Palestine's interim results disclosed in August 213 SLIDE N O. 26

27 GROWTH IN THE PALESTINIAN BANKING SECTOR VS. BOP Year-on-year precentage growth SLIDE N O. 27

28 BOP - Key Performance Indicators $ Million $ Million 1,696 2,2 2,182 1,7 2,2 2,5 1,65 1,551 2, 1,5 1,297 1,8 1,35 1,654 1,252 1,6 1,2 1,4 1,5 1,2 1,46 1, , , H H213 CAGR from Loans 32.1% Customer Deposits 17.99% Shareholder Equity 2.22% Assets 18.85% $ Million 11 1,26 $ Million Net Profits 13.26% H Net Profit $18.7 million : 1H213 SLIDE N O. 28

29 BOP - Key Performance Indicators Paid Capital Shareholders' Equity $ Million H $ Million H213 SLIDE N O. 29

30 BOP - Key Performance Indicators Growth in no. of Employees , ,139 1,61 1,156 65, 6, 55, 5, 45, 4, 35, 3, 25, 2, 15, 1, 5, 112, ,26 222, , ,24 483, , , , , ,14 Growth in no. of Customers H H213 Market share of Loans Market share of Deposits H H213 SLIDE N O. 3

31 SLIDE N O. 31

32 Updated: September 213