The Group Securities Competitors

Since its establishment in 1964, QNB Group has steadily grown to become the biggest bank in Qatar and the largest financial institution in the Middle East and Africa (MEA) region. Network expansion comes in support of the Group’s vision to become a leading bank in the Middle East, Africa, and Southeast Asia. In addition, the Bank is establishing a foothold in highly competitive markets, including Hong Kong, where the Group opened recently its first branch. Proud to be the Official Middle East and Africa Supporter of the FIFA World Cup 2022™, QNB Group extends through its subsidiaries and associate companies to more than 30 countries across three continents providing a comprehensive range of advanced products and services. QNB Group has maintained its position as the highest-rated bank in Qatar and one of the highest rated banks in the world from leading credit rating agencies including Standard & Poor’s (A) and Moody’s (Aa3), The Bank has also been the recipient of many awards from leading international specialised financial publications. QNB Group has an active community support program and sponsors various social, educational and sporting events. For further information, please contact QNB’s Public Relations Department through PR@qnb.com

Qatar Islamic Bank (QIB) was the first Islamic bank to start operating in the country in 1982 and it is still the largest today: the Bank currently holds 42% share of the Islamic banking sector and approximately 12% of the total domestic banking sector. As of end 2016, the total Shareholders' Equity of the bank amounted to QAR 14.2 billion (3.89 billion US Dollars) with total assets reaching QAR 139.8 billion (38.3 billion US Dollars). QIB Group conducts its domestic business through a modern branch network spread throughout Qatar with key branches featuring distinctive centers with specialized relationship managers focused on servicing specific customer segments: Private Banking Centers, Affluent Banking Centers, Small & Medium Enterprises (SME) Centers as well as Ladies Banking Centers. In addition to its branch network, the Bank has accelerated its investments in digital channels providing its services through multi-functional ATMs, mobile and internet banking applications for individuals and companies, and an award winning Call Center. QIB Group has a stake in a number of Qatari Sharia’-compliant financial services companies. This includes QInvest, its investment banking subsidiary, and its affiliates Beema (Takaful solutions provider) and Al Jazeera Finance (Consumer Finance company). QIB Group has established an international presence in key markets so as to be able to serve the cross border needs of its customers as well as to develop a focused presence in geographies with high interest in Islamic banking services. QIB UK is a wholly owned subsidiary, established in 2008, covering the financial needs of Qatari individuals and companies in the United Kingdom. Furthermore, the bank has presence in Lebanon through Arab Finance House, in Malaysia through Asian Finance Bank and one branch in Sudan.

About Masraf Al Rayan Masraf Al Rayan was incorporated as a Qatari Public Shareholding Company in 2006 and is a Shari’ah compliant bank headquartered in Doha, Qatar. More than 30% of the bank’s shares are owned by Qatari government entities, and the bank has a solid A1 credit rating*. After the completion of its merger with Al Khalij Commercial Bank “al khaliji” in 2021, Masraf Al Rayan’s total assets reached QAR182 billion, making it the second largest Shari’ah compliant bank in Qatar and one of the largest in the region, with a capital base of QAR9.3 billion. The bank’s principal business activities include: ● Retail Banking: Offers current and savings account, time deposit account, financing and credit cards ● Wholesale Banking: Offers corporate finance & advisory services, financing products, cash management, treasury, trade finance ● Private Banking: Offers investment planning & asset management, wealth management, credit planning & management solutions Masraf Al Rayan has a network of 17 branches in Qatar and 5 international branches in the UK, France, and the UAE. *Moody’s, as at 02 November 2021. www.alrayan.com