UNION DE BANQUES ARABES ET FRANÇAISES U.B.A.F. 45 years of expertise in Trade Finance

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1 UNION DE BANQUES ARABES ET FRANÇAISES U.B.A.F. 45 years of expertise in Trade Finance

2 U.B.A.F., Your Banking Partner to support and secure your international trade flows Founded in 1970 with sound ownership structure: - Central and public banks in 19 countries of the Arab world (53%) - Crédit Agricole Corporate & Investment Bank CA-CIB (47%) International presence in Asia and in the Arab World: - Asia: Japan, Singapore, South Korea & Bangladesh - Arab world: Algiers, Cairo & Dubai FitchRatings (06/2017): Long-term IDR A- with Stable Outlook 2

3 Strong Shareholding CAPITAL EUR 250,727,220 Held by: Arab World 52.99% Crédit Agricole Corporate & Investment Bank CA-CIB 47.01% CA-CIB (Crédit Agricole Corporate & Investment Bank) is the "reference" shareholder in relation to the Autorité de Contrôle Prudentiel et de Résolution [French Prudential Supervisory Authority (ACPR)] and holds 47.01% of the share capital. Arab shareholding is mainly represented by Egypt, Algeria, Libya and Morocco. 3

4 Main Arab Shareholders Arab Shareholders Direct Shareholding Through UBAC Curaçao N.V. Total Shareholding Banque Extérieure d Algérie 9.35% 2.78% 12.13% Central Bank of Egypt 5.91% 2.99% 8.90% Libyan Foreign Bank 5.57% 2.99% 8.56% Arab African International Bank - Egypt 3.76% 2.58% 6.34% Banque Centrale Populaire - Morocco 4.99% % 52.99% of U.B.A.F. s capital is held by Arab Shareholders composed of: 6 major Public or Central Banks, which directly own 29.87% of the capital UBAC Nederland B.V., held by 24 Arab financial institutions, with 23.12% Riyad Bank - Saudi Arabia 0.29% 0.56% 0.85% Other % 11.22% Total 29.87% 23.12% 52.99% 4

5 Strong Governance Board of Directors Farouk El-Okdah Egypt Chairman Jean-Yves Hocher CA-CIB Vice -Chairman Stable Governance Members Crédit Agricole CIB represented by James WEBB Ubac Nederland B.V. represented by Abdellatif JOUAHRI Banque Extérieure d Algérie represented by Brahim SEMID Libyan Foreign Bank represented by Rabie ABUSHAWASHI Banque Centrale Populaire represented by Mohamed BENCHAABOUN Arab African International Bank represented by Hassan ABDALLA Central Bank of Egypt represented by Tarek AMER Frédéric Méron (Crédit Agricole CIB) Paul de Leusse (Crédit Agricole CIB) Ali Ibrahim Marafi (Al Ahli Bank of Kuwait) Top Management Executive Committee Audit and Risk Committee Aymeric de Reyniès Chief Executive Officer Khaled Dessouki Deputy Chief Executive Officer Farouk El-Okdah Egypt Chairman Rabie Abushawashi Libyan Foreign Bank Paul de Leusse CA-CIB Brahim Semid Banque Extérieure d Algérie James Webb CA-CIB Frédéric Méron CA-CIB Chairman Rabie Abushawashi Libyan Foreign Bank Mohamed Benchaaboun Banque Centrale Populaire Morocco 5

6 International Presence Operating from both its Paris-based Head Office and its network in the Arab World and Asia, over the years U.B.A.F. has become a key player in the financing of trade between Europe, Asia, Africa and the Arab World. Headquarters Paris (1970) Branches Tokyo (1976) Seoul (1979) Singapore (1981) Osaka (1986) Ï Representative Offices Cairo (1978) Dubai (1996) Algiers (2001) Dhaka (2008) 6

7 Our Mission Supporting and securing our clients' international flows (banks and financial institutions, companies and commodity traders) Being your stable partner providing long-term experience in all Trade Finance services Maintaining high-quality clientele despite a context of conflicts in the Arab World with significant repercussions on economies and markets Developing Trade Finance activity between Europe, the Middle East and Asia, including the Indian subcontinent, through our mixed shareholding and the strategic support of our shareholders Expanding our business with a new development focus with Africa 7

8 Our Expertise: Trade Finance In-depth knowledge of the Arab World, Africa, Asia and emerging markets Customized service dedicated to the financing of international trade: - documentary credits (issuance, confirmation, discount) - documentary collections - international guarantees - pre and post financing of trade transactions Specialists by sector and geographical area to meet your needs Experts dedicated to processing your deals 8

9 Our Clients and Partners Banks and financial institutions correspondents in 85 countries - Banking correspondents - Multilaterals - Central banks Major exporting industrial players - Large companies - Middle-market companies Commodity Traders - Energy and metals - Agri-business products 9

10 International Coverage 85 countries 800 correspondents Excluding countries rated A- by S&P and above < $ 50 million $ 50 million & $ 200 million > $ 200 million & $ 500 million > $ 500 million 10

11 Our Clearers CURRENCY COUNTRY BANK CITY SWIFT CODE CHF Switzerland Credit Suisse AG Zurich CRESCHZZ80A EUR France Crédit Agricole Paris AGRIFRPP GBP UK Royal Bank of Scotland PLC London RBOSGB2LXXX JPY Japan The Bank of Tokyo-Mitsubishi UFJ Ltd Tokyo BOTKJPJT SEK Sweden Skandinaviska Enskilda Banken AB Stockholm ESSESESS Africa and Islamic Financing SGD Singapore DBS Bank Ltd Singapore DBSSSGSGXXX USD USA JP Morgan Chase Bank NA New York CHASUS33 11

12 Our Strategy Focus exclusively on Trade Finance and short term business Strengthen our geographical presence, mainly in Africa Diversify our companies portfolio, in partnership with the Crédit Agricole Group Develop our relationships with European banks and European government institutions Manage operations in accordance with Crédit Agricole CIB's standards and procedures, particularly in the area of compliance, financial security and permanent control Strengthen our processes and our organization: risk management, internal control and compliance control 12

13 Rigorous Compliance and Financial Security Control This policy protects the bank, its employees, customers and correspondent banks from the risk of legal sanction or damage to their reputation. U.B.A.F. thus refrains from intervening in any transaction that could give rise to a risk of potential violation of international financial sanctions and strictly complies with the recommendations of the FATF (Financial Action Task Force on Money Laundering) and international regulations. The Financial Security Charter adopted by the Board of Directors of U.B.A.F. provides that the Bank shall apply the procedures and policies of the Crédit Agricole Group. U.B.A.F. has set up an effective system dedicated to the prevention of money laundering, terrorist financing and corruption, which ensures compliance with embargo and asset freeze measures. These measures are managed by the Head Office, which ensures that they are implemented in all units of the group. The provisions are based on a risk-based approach, binding customer knowledge procedures ("Know Your Customer - Customer Due Diligence"), the filtering and monitoring of appropriate flows and training for all staff. U.B.A.F. shall take appropriate measures to comply with FATCA regulations. Thus, all units of the U.B.A.F. Group are registered with the US Internal Revenue Service portal as Participating Foreign Financial Institutions. 13

14 Head Office Contacts 14

15 Network Contats Branches JAPAN SINGAPORE SOUTH KOREA Rémy ZENTAR Eric REINHART Olivier TOPUZ Representative Offices ALGIERS CAIRO DHAKA DUBAI Youcef BOUHARAOUA Hamed HASSOUNA Sharek KADER Raza ALI KHAN 15

16 Important Information This document and the data contained herein is for informational purposes only and constitutes a marketing communication. U.B.A.F. does not accept any liability for the accuracy, adequacy, or completeness of any information and is not responsible for any error or omission or the result obtained from the use of such information. Reproduction of all or part of this publication is prohibited. Copyright of Union de Banques Arabes et Françaises U.B.A.F. June

17 UNION DE BANQUES ARABES ET FRANÇAISES - U.B.A.F. Tour EQHO 2, avenue Gambetta Paris la Défense Cedex - France Tel. 33 (0) Fax 33 (0) SWIFT UBAFFRPP