Bank of Palestine

1. Bank of Palestine

2. Bank of Palestine was founded m. P. M on September 10 under the number 563200096 as a public joint stock limited liability under the Companies Law No. (18), as amended, the bank's license was the Palestinian Monetary Authority work on all types of banking through its branches spread in Palestine • On April 15, 2007 changed the name of the bank with the Registrar of Companies of a public joint stock company limited liability company to a public shareholding limited. • The number of bank branches in Palestine, 18 branches and 14 offices and in December 31, 2008. • The number of bank employees (management and branches of Palestine), 752 during 2008. • Bank of Palestine to the shares listed on the Palestine Securities Exchange. • The Bank of Palestine m. P. M is the parent company of the Group companies and the Bank of Palestine, which consists of the addition to the Bank of the following companies: 1 - brokerage company stock. 2 - 2000 Investment Company and the transfer of funds. General introduction of the Bank

3. Letter to the community bank Bank of Palestine, a leading financial institution is seeking to upgrade the financial and banking services, working to keep pace with technological development and modern trends in the financial and banking area and contribute to the process of reconstruction and development in accordance with the best policies and practices.

4. bankVision Aspire to be a financial institution and banking are distinct and regionally

5. The objectives of the bank   1 - a steady increase in market share in the Palestinian banking.   2 - the provision of financial services and banking quality and optimal performance.   3 - keep pace with global technological development in the interests of our customers.   4 - To contribute in building our society and its development. 5 - development and upgrading of the bank's performance in administrative and professional

6. *Headquarters of the Department of General Ramallah appointed lamp . Ramallah Branch. Hebron Branch. Bethlehem Branch. Jericho Branch. Nablus Branch . Jenin Branch. Branch length of Karam. Branch Qalqiliya. Branch Salfit. *Department of General Omar Al-Mukhtar Street, the field of the Unknown Soldier . Branch sand gondi . A major section of Gaza. Branch Jabalia. Branch victory. Branch Nuseirat. Branch Deir el-Balah. Khan Younis Branch. Branch Rafah . Geographical distribution

7. Market share and competitive position of the bank • Bank of Palestine has m. P. M market share and a promising market in the Palestinian banking increase in value year after year, and have a competitive forces and a pioneering role among banks operating in Palestine is the most important indicators of the Alnmovy that our market share of deposits grew by 1.10% to reach an to 14.04% of the total Palestinian banking sector deposits, compared with 12.93% at the end of 2007 With regard to banking facilities has grown our market share by 2.77% to 17.61% at year-end 2008 was 14.84% at the end of 2007.

8. Marketing activities Marketing campaign credit card and electronic debit cards (Visa Electron) Continuation of the Bank's efforts to create a culture of credit cards to encourage customers to use credit and debit cards in the procurement process within the country, the bank launched a marketing campaign was launched under the banner of Bank of Palestine with the cards and to encourage cardholders to use the purchase made a series of awards, including a daily prize draw to win a the value of your purchases, as well as the whole day and earn 500 points where each point of the card holder earns 100 shekels in addition to access cardholder discount rate of up to 30% of the stores contracted with the World Campaign aims to define and promote the campaign of credit and debit cards issued by the Bank of Palestine and the advantages of these cards are used in the procurement process within the country through more than 2000 electronic point of sale in many shops and shopping centers where the Bank has been providing this unique service in Palestine.

9. Financial Analysis of the Bank *Capital and reserves : Total authorized capital of $ 100.000.000 divided into 100.000.000 million shares per share value of one dollar and paid-up capital of U.S. $ 81.404.37 and the amount of legal reserve amounted to $ 10,092,391 after the inclusion of the amount of $ 2.361.495 from the total profits as well as total shareholders equity of $ 123,169,873, an increase of $ 32.951.445 dollars. *profits and losses : The total income for 2008 of $ 59.630.337 U.S. dollars and in the previous year of $ 45,868,574, after deducting the expenses and the remaining amount of the tax value of $ 23,610,956 and net profits were in the previous year of $ 20.579.398.

10. Human resources • The Department of Personnel an upswing in employment in the year 2008 has increased the number of employees to 752 employees and an employee and the increase in line with the requirements of proliferation in the West Bank and Gaza Strip. • Training Center:Because of the rapid geographic expansion of the bank during the four previous years and the increase in requests for services, the bank has grown to the necessary training banking. From this starting point the development of the Bank of Palestine, an ambitious plan for the year 2008, in which both the management and executive of the bank building on the needs and standards of a deliberate effort to raise the performance of staff in both quantity and quality and to promote and contribute to the achievement of comprehensive development in all jobs in the Bank of Palestine and also suit the trends and the vision of the Bank's management strategy is to build leadership bank in all work sites.

11. Social responsibility of the Bank • Peace Campaign relief aid • Financial contributions to many charities, universities and schools . • The opening of Al Faisal Husseini Stadium in the city of Jerusalem . • Charity gala dinner at the University of Bir Zeit Graduation ceremony for students of American. • International School in Gaza City . • Afforestation campaign in the city of Ramallah Cultural events in the holy month of Ramadan as the Bank of Palestine Ramadan competition

12. Companies affiliated to the Bank *Brokerage company stock: Palestine Ancha pennek brokerage company stocks, which began its work at the end of January of 2007, the company's capital amounts to 3.650.000 U.S. dollars and the bank owns 87% of us holds a membership in Palestine Securities Exchange 2000* companies to invest: Founded 2000 for investment and transfer of public funds and trade to contribute to the limited privacy on 13/1/1999 with a capital of 500,000 U.S. dollars, the highest and the paid-up capital of 100,000 U.S. dollars, the total shareholders equity of $ 168,513, a wholly-owned subsidiary of the Bank of Palestine and the Governing Council consider the efficiency of the company in the field of real estate investment .

13. The bank's plan to future • continuing the policy of opening new branches and offices. • the provision of new banking services and work to increase our market share. • the development of staff skills through specialized training. • the provision of special programs distinguished banking deposits and banking facilities. • continue to keep pace with technological developments in the field of banking technologies. • work on the scope of consolidation and Ziadi Bank Foreign relations with global financial institutions.

14. The global financial crisis In general the global financial crisis was tantamount to a serious financial storm shook the throne shook the financial world and that because of the bridge world the U.S. dollar, but especially to the bank by my opinion that he was not directly affected and large, because this financial crisis has seen the bank's further expansion and geographic spread in all Cities of Palestine