YOUR STRATEGIC PARTNER FOR WEST-EAST CORRIDOR FLOWS

GLOBAL TRANSA CTION BANKING

The National Bank of Abu Dhabi (NBAD) stands tall in the United Arab Emirates as a banking leader with a global stature.

Founded in 1968 by a decree of the late Sheikh Zayed Bin Sultan Al Nahyan, our robust vision has propelled us to the position of solidity and credibility that we enjoy today: The Safest Bank in the Middle East, the Safest Bank in the Emerging Markets, and one of the Top 50 Safest Banks in the World.

Our long-term credentials are second to none.We are rated senior long-term/short-term AA-/A-1+ by Standard & Poor’s (S&P), Aa3/P-1 by Moody’s, AA-/F1+ by Fitch, A+ by Rating and Investment Information Inc. (R&I) Japan, and AAA by RAM (Malaysia).

Technology has given our ideas the wings to soar; creating products that repeatedly set the standard in the competitive financial world.

We are the Bank that’s at the right placeat the right time.

We are that dynamic partner you seek.

ABOUT NBAD

YOUR STRATEGIC PARTNER FOR THE WEST-EAST CORRIDOR FLOWS

We are at a significant moment in the fortunes of the global economy.

Our advantageous geographic position at the centre of the West-East corridor, combined with our award-winning credentials make us an ideal partner for businesses poised to move ahead quickly.

Even as we progress to be the best bank in the UAE, we are the most ideally equipped right now to take the lead in the West-East field of opportunities, with a set of vibrant, growth oriented policies in place.

GLOBAL TRANSACTION BANKING

CREATING VALUE

CONNECTIONS

Our strong presence in the UAE for nearly half a century, and our international branches has built up a network of valuable connections that are yours to take advantage of.

RELATIONSHIPS

Our work ethic of demonstrating trust and goodwill foster relationships that sustain over the long run. Every interaction enhances and strengthens our partnerships.

SAFETY

Our innate stabilityis our bedrock, as evidenced by the slew of Safety Ratings we have been awarded. The perfect reassurance as you begin business in unfamiliar locations.

INSIGHTS

To play the role of a trusted advisor, we keep our ears to the ground, and offer you timely insights on the nature of the environment.

SERVICE

Our service standards match the best in the world with the highest Straight-Through-Processing rate, reduced turnaround time, and regular business review meetings to stay right on target.

GLOBAL CASHMANAGEMENT

TAKE CONTROL

We take the complexities of cash management and present a simplified solution to help you take control of your cash flows. Our pivotal position in the Middle East as a discerning transacting partner will help you stay in charge. At any point you will be able to track and manage financial flows within and beyond your business.

STAY ON TOP OF THE MARKET

A diversity of skill sets and a broad product range are crucial components in managing cash control. Whether you do business regionally, globally or within the UAE, our product portfolio of Account Services, Payments and Collections, Liquidity Management and System Integration, will work in tandem with your business requirements and processes.

Our integrated cash management expertise, backed by web-based cash and treasury management solutions, will have all your requirements covered, from account information right up to state-of-the-art liquidity management solutions.

ACCOUNT SERVICES

• Current Account (local and foreign currency

• Call Account

• Time Deposit

• Cheque Book Services

• MT940 Reporting

• Online Statement

• Online Transaction Inquiry

COLLECTION SERVICES

• Cash and Cheque Deposits

• Secured Cash and Cheques Pick-up

• Cash Deposit Machine

• Post-Dated Cheque (PDC) Management

• Remote Cheque Deposit

• Direct Debit Services

• Electronic Collections

• Inward Remittances

LIQUIDITY MANAGEMENT

• Domestic Fund Sweeping

• Cross Currency Sweeping

• Interest Optimisation

• Liquidity Management Reporting

• Automated Investment Programme

PAYMENT SERVICES

• NBAD Fund Transfer

• Domestic Transfer

• International Transfer

• Cheques and Drafts

• Bulk Payments

• Payroll Services - WPS, Payroll Cards, Salary and Ratibi Cards

• Utility and Card Services

• Standing Instructions

ADDRESSING YOUR REQUIREMENT IS CORE TO OUR BUSINESS SOLUTIONS

NBAD’S CASH MANAGEMENT PRODUCTS

YOUR CHALLENGES

• REGULATORY CHANGES

• COUNTERPARTY RISK

• MANAGING WORKING CAPITAL

• EFFICIENT REPORTING

• OPERATIONAL EFFICIENCY

OUR SOLUTIONS

• ADVISORY SERVICES

• PAYMENTS AND COLLECTIONS

• NETWORK MANAGEMENT

• ROBUST, FULLY INTEGRATED SYSTEMS AND SOLUTIONS

• SUPPLY CHAIN SOLUTIONS FOR TOTAL CONTROL OVER PAYMENTS AND FINANCING NEEDS

• LIQUIDITY MANAGEMENT SOLUTIONS AND FINANCING TOOLS TO ADDRESS WORKING CAPITAL NEEDS

DISBURSEMENT BANKSOLUTIONS

Our robust Payment system is highly efficient, designed to improve our customers’ experience when it comes to moving funds; be it cash, cheques, direct debit, credit card, domestic or international bank transfer, or complex multi-currency/multi-country transfers.

Our highly efficient electronic channels will transmit your single or bulk payments, standing instruction and salary payments domestically or internationally in simplified formats mapped to your requirements. We ensure automated Straight-Through-Processing (STP)so that the customer instructions are seamless and quick.

COLLECTION BANKSOLUTIONS

At NBAD, we understand that the faster you can convert your receivables into cash, the more control you have over your cash flow and working capital management. From the traditional bulk cash and cheque collections and over-the-counter deposits; to the more advanced means such as inward remittances and direct debits, NBAD provides these collection tools to help accelerate availability of funds in an efficient and secure manner. Customized reporting and management information (MI) are also made available through our secure channels for your ease of reconciliation.

With our robust and secure electronic banking channels, all customer payment instructions are processed straight through and seamless; while also providing a platform for customized reporting and management information for your ease of reconciliation.

SIMPLIFIED, FAST AND PRECISE We offer a comprehensive range of payment and collection products and services to support your business. With one of the largest banking networks in the Middle East, we enable our customers to manage and process their payments and collections requirements in local and international environments in a cost-effective, secure and reliable way.

PAYMENTS &COLLECTIONS

THE ART OFBALANCING CASH FLOWS

Any global player today faces rising pressures in managing cash positions effectively. Businesses need solutions to manage flexibility yet comply with layers of local and regional regulations. They need sharp analysts who can advise on how to optimize working capital in a complex global scenario.

At NBAD, we tackle the challenges of consolidating cash positions across

multiple accounts. Typically, credit balances rarely earn interest, while debit balances attract high debit interest. We consolidate debit and credit balances physically into a single position periodically through cash concentration; thereby improving the overall liquidity position.

This creates transparency and results in cost reduction, while surplus funds can earn enhanced interest through short-term investments.

LIQUIDITYMANAGEMENT SOLUTIONS

Benefits of our Cash Concentration structure:• Optimize cost and time• Improved liquidity management• Increase capital earnings• Efficient treasury management

• Reduce interest paid due to overdrafts• Automated and integrated• Comprehensive reporting

BEFORE CASH CONCENTRATION AFTER CASH CONCENTRATION

+80

Account A

Account B

Account C

-50

Target Account

0+20

0

Account A

Account B

0

Account C

0

Target Account

+50

+80

+20

+50

CLEARINGSERVICES

MAKE WAY FOR REGIONALEFFECTIVENESS

Whether you represent a global bank or a bank with a domestic focus, our simplified clearing process, with a dedicated service team every step of the way will make a profound difference to how you do business in the region. We provide you with an effective and controlled approach to transact with a high Straight-Through-Processing rate. And being at the focal point in West-East transaction flow, we are uniquely positioned to meet your complex payment processing requirements.

CORE CAPABILITIES ANDKEY FEATURES

Commercial Payment ServicesWe accept commercial payments in all relevant currencies in favour of all beneficiary accounts in the region.For any commercial payment instruction received before the cut-off time, we make

sure the payment is processed immediately on the same value date.

Bank-to-Bank Payment ServicesIndustry standard SWIFT message types such as MT202 are accepted and processed real-time via industry controlled RTGS. For payment instructions received before the cut-off time, we make sure the payment is processed immediately on the same value date.

Reporting ServicesWe offer a comprehensive range of reporting via iBANKING, our Internet Banking platform or in the form of SWIFT messages, both real-time and end of day. iBANKING provides real-time balance and statement information, including intraday liquidity reporting and other account details.

FOREIGN EXCHANGE& INVESTMENTS

NEWER HORIZONS

Universally, Forex trading and investments are popular alternatives to boost bottom line profits. Yet you need the proficiency of a well-established bank like ours to help you actively trade in regional and international markets. Take advantage of our expertise in FX & Rates (EM, GCC, G10, G10 vs GCC), Money Markets (EM, G10), Equities, Fixed Income and Derivatives/Exotics.

Additionally, we offer you morning news summaries, daily market chatter reports and technical analysis commentary.

GATEWAY TO MORE BUSINESS

Navigate the Foreign Exchange and Money Markets with ease with NBAD’s cross asset-class execution platform. We’re your gateway to Trade FX and Money Markets.

By constantly enhancing our multi-asset capabilities we keep pace with your evolving trade and business needs.

Our key features include:Access to streaming executable pricing around the clock, order functionality and global platform connectivity (Bloomberg FXGO, 360T, and FXAll).

iTRADE

EXPERIENCE MATTERS

As the acknowledged leader in the region for trade finance, we know that it is not enough to earn accolades for our overall capabilities; it is as important we maintain and nurture individual relationships - right across our global network spanning the Middle East, Africa, Europe, America, and Asia Pacific.

Many clients have different working capital and risk management needs; ranging from traditional trade financing and services, to those requiring customized solutions. Our experienced trade finance team takes pride in delivering individualised solutions.

GLOBAL TRADEFINANCE SOLUTIONS

We also offer Islamic trade finance solutions through our subsidiary Abu Dhabi National Islamic Finance (ADNIF).

Our solutions will enable you to: • Control risks and increase operational efficiency in your supply chain• Improve working capital and meet financing requirements• Increase visibility of your trade flows• Manage cash flows and FX needs associated with your trade transactions

GLOBAL TRADE SERVICES

YOUR BENEFITS AT A GLANCE:

• Global reach and local expertise to support your business wherever it takes you • Full range of solutions to manage your commercial risks associated with global trade

• Custom-made solutions for structured trade, commodity and export finance

• Comprehensive online tools allow for performance tracking and reporting, enabling trading and risk management to be optimised

• High levels of dedicated service excellence at all times

EMPOWERING YOUR BUSINESS

International and domestic trade is highly complex and involves a webof intricate risks. NBAD’s global network and in-depth local experience makes us a reliable partner in this business.

Our Trade Finance Specialists help you to manage credit and performance risks wherever you conduct business around the globe. Our specialists will advise you on how to structure transactions that enable the purchase and sale of goods and services globally on terms that serves your best interests whether you are a buyer and/or seller.

RIGHT CONNECTIONS

NBAD’s international network connects you to the right people and companies worldwide. We can help you benefit immediately and grow your export business from this range of Export Services:

• Export Letters of Credit - Advising and Confirmation• Export Financing - Bill Discounting

- Export LC Document Financing/- Negotiation - Invoice Financing - Receivable Financing - Forfaiting• Documentary Collections

TIMELY EFFICIENCY

Our experienced trade specialists will ensure that your business is handled efficiently and in a timely manner. We have the required expertise to assist you wherever in the world you do business. This means that any LCs we issue will be universally acceptable, both by your vendors and their banks, and advise sent to your supplier without delay.

Our Import Services includes the following:• Documentary Credits/Letter of Credits (LCs)• Import Financing (Loan against Trust Receipt)• Supply Chain Finance• Shipping Guarantees• Buyer’s Credit• Silent Payment Guarantee • Documentary Collection• Avalisation

TRADE SOLUTIONSFOR EXPORTERS

TRADE SOLUTIONSFOR IMPORTERS

LOCAL AND INTERNATIONALGUARANTEE

GUARANTEED PROTECTION

At NBAD we understand that bank guarantees are the most important instruments for protecting your business against non-performance of underlying contracts or to simply ensure that the other party has the ability to meet its financial obligations.

Our guarantees can be used for different purposes to safeguard against submission of inadequately thought-out tenders, reinforce contractual relationships between buyer and seller, deter faults and act as security for advance payment,

ensure that contractual obligations will be met on time and act as a back-up security for frequent business dealings between two parties.

We confirm your creditworthiness to foreign/local suppliers or verify our foreign/local businesspartners’ good credit standing,and guarantee payment up to specified amounts. We use our correspondent banking network to issue or receive guarantees on your behalf in a speedy and professional manner. We will help you draw up guarantees, especially with regards to text wording and clauses, and determine which guarantees you are able to provide.

NBAD is a strong partner for financial institutions (FIs) across five continents and has a long history of excellent relationships with banks and non-bank financial institutions (NBFIs). With a team of highly experienced coverage bankers and top class Product Specialists across the international network of NBAD, we bring an array of trade solutions to suit the needs of our FI clients world-wide.

Key trade solutions we offer includes:• LC Advising/Negotiation• LC Confirmation/Discounting• Letter of Guarantees• Banker's Acceptance• Pre/Post Shipment Finance• Buyer’s Credit

TRADE SOLUTIONS FORFINANCIAL INSTITUTIONS

VALUE ADDED TRADEFINANCE SOLUTIONS

TAILORMADE SOLUTIONS

Since this is a highly specialized activity we have taken great care to meet your funding requirements with expertly designed tools and techniques of value added trade finance.

Every structure is individually considered, with each facility tailored to the specific needs of

the client, transaction and jurisdiction. Our Value Added Trade Finance products offer solutions for your short-term working capital needs. We can help you meet a diverse range of funding requirements that includes Receivables Finance, Supply Chain Finance and Credit Insurance backed Financing.

• Optimize working capital & liquidity management

• Reduce counterparty credit risk for open account sales

• Increase in sales and enhance buyer/supplier relationships

• Balance sheet optimization

• Reduce operational costs due to streamlined processes

• Use of NBAD’s global reach and local support

SEAMLESS FINANCING

Value Added Trade Finance solutions provide financing opportunities for all stages of the corporate supply chain. Our solutions contribute to improving working capital management and liquidity generation, reducing counterparty risks, lowering costs and enhancing supply chain transparency.

NBAD’s Value Added Trade Finance solutions help reduce business risk and facilitate greater control over cash flows. Our proprietary supply chain solutions offer further benefits for international trading partners by providing online reporting, tracking and straightforward payment processing worldwide.

NBAD’s SCF financing programs facilitate attractive funding for open-account trading on an ongoing basis. Entering into one time SCF agreements with NBAD enables clients to improve underlying commercial terms, speed up liquidity generation between trading partners and eliminate counterparty risk in open account sales.

Besides financing and liquidity generation, NBAD SCF solutions deliver a host of value-added services via our fully integrated, state-of-the-art supply chain technology.

YOUR BENEFITS AT A GLANCE:

CHANNELS

• Automated Payments

• Seamless integration into your ERP system

• Highly secured transaction processing environment

• Full control over your accounts and transactions

• Simplified and secured transaction approving process

• Variety of ways to receive information - as you need it

NAFURA (HOST-TO-HOST)

NBAD Automated File Upload Retrieval & Approval is invaluable if you have high transactions volumes as it tracks bank balances, and keeps your cash flow, while accounts are funded at optimum levels.

This highly flexible platform can be customized to your needs. Automate the exchange of information and transactions generated in your ERP applications (such as Accounts Payable and Payroll Management) and reconcile them with your bank company statements.

A SECURE AND ACCESSIBLE WAY TO MANAGE YOUR MONEYBank with confidence round the clock with our secure Internet banking platform that provides 24x7 online access, and a long list of services to help you maximize business potential.

• Real-time balance reporting and transaction inquiry anytime, anywhere

• Online statements for download in various formats

• Electronic payment advices

• Electronic alerts and notifications

• User-friendly interface for bulk payments file upload

iBANKING

• Payroll Management

• Straight-Through-Processing of payment transactions

• Online Cheque Book request service

• Self-manage of standing instructions for recurring payments

• Online user preferences

• Audit log

IMPLEMENTATION

COMMITTED TOGOOD GOVERNANCE

We are committed to working closely with you to find and implement efficient transaction banking solutions. In consultation with you, we optimise the project governance framework by establishing the terms of reference and operating agenda thereby ensuring that the handover to our Account Management team is carried out effectively.

TECHNOLOGY• Robust system testing will be conducted jointly during implementation phase

• Any change request raised will be assessed and discussed openly with you

CLIENT• Setting of goals and agree on implementation timeline

• Assign project members to coordinate the implementation support internally

PROCESS• Clear and detail Project Plan

• Scoping of business requirements and solutioning will be documented

• Step-by-step process is clearly defined

• Proper and transparent handover of the support model to client delivery team for ongoing support

• Training support

PEOPLE• Experienced Project Managers

• Single Point of Contact during implementation phase

• Strong understanding of GTB business and client’s needs

• Good technical knowledge to liaise with your IT department in system setup

• Responsible to deliver according to the agreed project timeline

TRAINED TO LISTEN CLOSELY AND ANALYSE CAREFULLY

At NBAD, everything begins with a clear understanding of what our business partners specifically require. Our multi-lingual Account Management team, located in strategic NBAD hubs, has a clear grasp of the business dynamics in the West-East Corridor and is well-supported by our extensive network of partner banks. This ease of access allows important issues and concerns to be addressed, with quick turnaround.

Our Account Managers analyse each client’s transactional patterns meticulously with the aim of improving business efficiency and delivering cost savings.

WE NEVER STOP LISTENING

We believe that regular feedback and further expectations are key to building stronger relationships. Hence, in addition to the day-to-day contact, multiple communication channels, including clear escalation matrix, periodic face-to-face service and business review and client engagement surveys, are established to ensure we understand the ‘Voice of Our Clients’. By actively seeking your assessments we craft new products and services to serve your needs in the future.

OUR CORE VALUES• Integrity• Transparency• Efficiency• Empathy

CLIENT SERVICING

• Best Treasury and Cash Management Bank in the UAE 2015 from Global Finance

• Best Bank For Payments and Collections in the Middle East 2014 from Global Finance

• Best Cash Management Services in Middle East 2013 from The EMEA Finance Annual Treasury Service Awards

• Best Cash Management, Best Corporate Advisory Services, Best GCC Equity Fund 2014 from The Banker Awards

• Best Bank in UAE 2014 from Euromoney

• Best Bank for Payments and Collections in the Middle East 2014 from Global Finance

• Best Trade Finance Bank in UAE 2014 from The Asian Banker

• Safest Bank in Emerging Markets 2013-2015 from Global Finance

• Safest Bank in Midle East 2011-2015 from Global Finance

• One of the World's 50 Safest Banks 2009-2015 from Global Finance

• Strongest Bank Balance Sheet in UAE 2013 from Euromoney

• Sheikh Khalifa Excellence Award 2013 Diamond Category

• Middle East Deal of the year 2013 from Euromoney

• Middle East Deal of the year 2014 from The Banker

Top innovator in UAE and Middle East by various prestigiousinternational publications

NBADACCOLADES

Disclaimer:National Bank of Abu Dhabi PJSC (“NBAD”) is providing information and opinions contained in this presentation solely for information purposes. NBAD has not carried out an audit, due diligence or any other assurance procedures to verify the accuracy, completeness and reasonableness of the contents of the Presentation. NBAD does not express any opinion in relation to, nor make any representation or warranty on, the accuracy and completeness of the information contained in the Presentation. Delivery of the Presentation to any person does not constitute and should not be construed as the provision of investment advice by NBAD to any such person. No liability whatsoever is accepted by NBAD for the accuracy of any information or opinions contained in the Presentation, for any omission of any material information or for any representations (expressed or implied) contained in the Presentation or any other written or verbal communication which may be transmitted to any person.

National Bank of Abu Dhabi (NBAD) | P.O Box 4 | Tel: +971 2 611 1111

www.nbad.com