(Our Vision) (Our Mission) (Our Core Values) (Corporate Governance)

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1 IIAB Anual 2009 M Final March 3.indd 1 3/4/2010 1:44:40 PM

2 IIAB Anual 2009 M Final March 3.indd 3 3/4/2010 1:44:42 PM

3 (Our Vision) (Our Mission) (Our Core Values) (Corporate Governance) ٥ IIAB Anual 2009 M Final March 3.indd 5 3/4/2010 1:44:44 PM

4 ٧ IIAB Anual 2009 M Final March 3.indd 7 3/4/2010 1:44:45 PM

5 ٨ IIAB Anual 2009 M Final March 3.indd 8 3/4/2010 1:44:45 PM

6 " " ٩ IIAB Anual 2009 M Final March 3.indd 9 3/4/2010 1:44:48 PM

7 ١٠ IIAB Anual 2009 M Final March 3.indd 10 3/4/2010 1:44:53 PM

8 " " ١١ IIAB Anual 2009 M Final March 3.indd 11 3/4/2010 1:44:53 PM

9 ١٢ IIAB Anual 2009 M Final March 3.indd 12 3/4/2010 1:44:54 PM

10 ١٣ IIAB Anual 2009 M Final March 3.indd 13 3/4/2010 1:44:57 PM

11 "" (JACPA) ١٤ IIAB Anual 2009 M Final March 3.indd 14 3/4/2010 1:45:05 PM

12 Colorado CPA ١٥ IIAB Anual 2009 M Final March 3.indd 15 3/4/2010 1:45:10 PM

13 ١٦ IIAB Anual 2009 M Final March 3.indd 16 3/4/2010 1:45:15 PM

14 LG ١٧ IIAB Anual 2009 M Final March 3.indd 17 3/4/2010 1:45:16 PM

15 ١٨ IIAB Anual 2009 M Final March 3.indd 18 3/4/2010 1:45:17 PM

16 ١٩ IIAB Anual 2009 M Final March 3.indd 19 3/4/2010 1:45:17 PM

17 ٢٠ IIAB Anual 2009 M Final March 3.indd 20 3/4/2010 1:45:18 PM

18 HR Division Corporate Communications Dept. General Secretary Head of Support IT Division Admin. Services Division Operations Division Board Director Chairman Executive Secretary Shari'a Supervisory Committee CEO Executive Secretary Deputy CEO- Head of Business ناي ب الري يس التنفيذي مدير قطاع الاعمال Corporate Banking Division Retail Banking Division Treasury Dept Executive Committee Financial Control Division The nominations and Remuneration Committee Risk Division Governance Institutional Committee Compliance Unit Risk Management Committee Legal Dept Audit Committee Internal Audit Division ٢١ Credit Division IIAB Anual 2009 M Final March 3.indd 21 3/4/2010 1:45:19 PM

19 ٢٢ IIAB Anual 2009 M Final March 3.indd 22 3/4/2010 1:45:20 PM

20 ٢٣ IIAB Anual 2009 M Final March 3.indd 23 3/4/2010 1:45:21 PM

21 "" ٢٤ IIAB Anual 2009 M Final March 3.indd 24 3/4/2010 1:45:21 PM

22 ٢٥ IIAB Anual 2009 M Final March 3.indd 25 3/4/2010 1:45:26 PM

23 ٢٦ IIAB Anual 2009 M Final March 3.indd 26 3/4/2010 1:45:38 PM

24 ٢٧ IIAB Anual 2009 M Final March 3.indd 27 3/4/2010 1:45:39 PM

25 ٢٨ IIAB Anual 2009 M Final March 3.indd 28 3/4/2010 1:45:40 PM

26 ٢٩ ٢٨ ٢٧ ٢٦ ٢٥ ٢٤ ٢٣ ٢٢ ٢١ ٢٠ ١٩ ١٨ ١٧ ١٦ ١٥ ١٤ ١٣ ١٢ ١١ ١٠ ٩ ٨ ٧ ٦ ٥ ٤ ٣ ٢ ١ ٠ " " ٢٩ IIAB Anual 2009 M Final March 3.indd 29 3/4/2010 1:45:40 PM

27 ٣٠ IIAB Anual 2009 M Final March 3.indd 30 3/4/2010 1:45:41 PM

28 ٣١ IIAB Anual 2009 M Final March 3.indd 31 3/4/2010 1:45:42 PM

29 ٣٢ IIAB Anual 2009 M Final March 3.indd 32 3/4/2010 1:45:43 PM

30 ٣٣ IIAB Anual 2009 M Final March 3.indd 33 3/4/2010 1:45:43 PM

31 ٣٤ IIAB Anual 2009 M Final March 3.indd 34 3/4/2010 1:45:44 PM

32 "" ٣٥ IIAB Anual 2009 M Final March 3.indd 35 3/4/2010 1:45:45 PM

33 * * ٣٦ IIAB Anual 2009 M Final March 3.indd 36 3/4/2010 1:45:46 PM

34 ٣٧ IIAB Anual 2009 M Final March 3.indd 37 3/4/2010 1:45:47 PM

35 ٣٨ IIAB Anual 2009 M Final March 3.indd 38 3/4/2010 1:45:48 PM

36 ٣٩ IIAB Anual 2009 M Final March 3.indd 39 3/4/2010 1:45:48 PM

37 ٤٠ IIAB Anual 2009 M Final March 3.indd 40 3/4/2010 1:45:49 PM

38 (Succession Plans) ٤١ IIAB Anual 2009 M Final March 3.indd 41 3/4/2010 1:45:50 PM

39 ٤٢ IIAB Anual 2009 M Final March 3.indd 42 3/4/2010 1:45:50 PM

40 Financial Reporting ٤٣ IIAB Anual 2009 M Final March 3.indd 43 3/4/2010 1:45:51 PM

41 (Internal Audit Charter) ٤٤ IIAB Anual 2009 M Final March 3.indd 44 3/4/2010 1:45:51 PM

42 (Risk Profile) Compliance ٤٥ IIAB Anual 2009 M Final March 3.indd 45 3/4/2010 1:45:52 PM

43 (IFRS)(AAOIFI) MD&A " Management Discussion and Analysis" ٤٦ IIAB Anual 2009 M Final March 3.indd 46 3/4/2010 1:45:53 PM

44 ٤٧ IIAB Anual 2009 M Final March 3.indd 47 3/4/2010 1:45:53 PM

45 ٤٨ IIAB Anual 2009 M Final March 3.indd 48 3/4/2010 1:45:54 PM

46 ٤٩ IIAB Anual 2009 M Final March 3.indd 49 3/4/2010 1:45:54 PM

47 ٥٠ IIAB Anual 2009 M Final March 3.indd 50 3/4/2010 1:45:55 PM

48 ٥١ IIAB Anual 2009 M Final March 3.indd 51 3/4/2010 1:45:56 PM

49 ٥٢ IIAB Anual 2009 M Final March 3.indd 52 3/4/2010 1:45:56 PM

50 ٥٣ IIAB Anual 2009 M Final March 3.indd 53 3/4/2010 1:45:57 PM

51 ٥٤ IIAB Anual 2009 M Final March 3.indd 54 3/4/2010 1:45:58 PM

52 ٥٥ * * IIAB Anual 2009 M Final March 3.indd 55 3/4/2010 1:45:59 PM

53 ٥٦ IIAB Anual 2009 M Final March 3.indd 56 3/4/2010 1:46:00 PM

54 ٥٧ IIAB Anual 2009 M Final March 3.indd 57 3/4/2010 1:46:01 PM

55 "" " " ٥٨ IIAB Anual 2009 M Final March 3.indd 58 3/4/2010 1:46:01 PM

56 ٥٩ IIAB Anual 2009 M Final March 3.indd 59 3/4/2010 1:46:02 PM

57 ٦٠ IIAB Anual 2009 M Final March 3.indd 60 3/4/2010 1:46:03 PM

58 (SPECULATION) ٦١ IIAB Anual 2009 M Final March 3.indd 61 3/4/2010 1:46:03 PM

59 ٦٢ IIAB Anual 2009 M Final March 3.indd 62 3/4/2010 1:46:04 PM

60 ٦٣ IIAB Anual 2009 M Final March 3.indd 63 3/4/2010 1:46:04 PM

61 ٦٤ IIAB Anual 2009 M Final March 3.indd 64 3/4/2010 1:46:05 PM

62 ٦٥ IIAB Anual 2009 M Final March 3.indd 65 3/4/2010 1:46:05 PM

63 ٦٦ IIAB Anual 2009 M Final March 3.indd 66 3/4/2010 1:46:06 PM

64 ٦٧ IIAB Anual 2009 M Final March 3.indd 67 3/4/2010 1:46:06 PM

65 ٦٨ IIAB Anual 2009 M Final March 3.indd 68 3/4/2010 1:46:07 PM

66 * * ٦٩ IIAB Anual 2009 M Final March 3.indd 69 3/4/2010 1:46:08 PM

67 ٧٠ IIAB Anual 2009 M Final March 3.indd 70 3/4/2010 1:46:09 PM

68 * * ٧١ IIAB Anual 2009 M Final March 3.indd 71 3/4/2010 1:46:10 PM

69 ٧٢ IIAB Anual 2009 M Final March 3.indd 72 3/4/2010 1:46:10 PM

70 ٧٣ IIAB Anual 2009 M Final March 3.indd 73 3/4/2010 1:46:11 PM

71 * ٧٤ IIAB Anual 2009 M Final March 3.indd 74 3/4/2010 1:46:12 PM

72 ٧٥ IIAB Anual 2009 M Final March 3.indd 75 3/4/2010 1:46:13 PM

73 * * ٧٦ IIAB Anual 2009 M Final March 3.indd 76 3/4/2010 1:46:13 PM

74 ٧٧ IIAB Anual 2009 M Final March 3.indd 77 3/4/2010 1:46:14 PM

75 ٧٨ IIAB Anual 2009 M Final March 3.indd 78 3/4/2010 1:46:15 PM

76 ٧٩ * * IIAB Anual 2009 M Final March 3.indd 79 3/4/2010 1:46:16 PM

77 ٨٠ IIAB Anual 2009 M Final March 3.indd 80 3/4/2010 1:46:16 PM

78 ٨١ IIAB Anual 2009 M Final March 3.indd 81 3/4/2010 1:46:17 PM

79 ٨٢ IIAB Anual 2009 M Final March 3.indd 82 3/4/2010 1:46:18 PM

80 ٨٣ IIAB Anual 2009 M Final March 3.indd 83 3/4/2010 1:46:19 PM

81 * * ٨٤ IIAB Anual 2009 M Final March 3.indd 84 3/4/2010 1:46:19 PM

82 ٨٥ IIAB Anual 2009 M Final March 3.indd 85 3/4/2010 1:46:20 PM

83 ٨٦ IIAB Anual 2009 M Final March 3.indd 86 3/4/2010 1:46:21 PM

84 ٨٧ IIAB Anual 2009 M Final March 3.indd 87 3/4/2010 1:46:22 PM

85 * * ٨٨ IIAB Anual 2009 M Final March 3.indd 88 3/4/2010 1:46:22 PM

86 ٨٩ IIAB Anual 2009 M Final March 3.indd 89 3/4/2010 1:46:23 PM

87 Control Line II II II II ٩٠ IIAB Anual 2009 M Final March 3.indd 90 3/4/2010 1:46:24 PM

88 Covenants Risk Control Self Assessment Key Risk IndicatorsRisk Profile ٩١ IIAB Anual 2009 M Final March 3.indd 91 3/4/2010 1:46:25 PM

89 (Basic Indicator Approach) II (Standardized Approach ) ٩٢ IIAB Anual 2009 M Final March 3.indd 92 3/4/2010 1:46:25 PM

90 Stakeholders ٩٣ IIAB Anual 2009 M Final March 3.indd 93 3/4/2010 1:46:26 PM

91 ٩٤ IIAB Anual 2009 M Final March 3.indd 94 3/4/2010 1:46:27 PM

92 ٩٥ IIAB Anual 2009 M Final March 3.indd 95 3/4/2010 1:46:28 PM

93 ٩٦ IIAB Anual 2009 M Final March 3.indd 96 3/4/2010 1:46:29 PM

94 ٩٧ IIAB Anual 2009 M Final March 3.indd 97 3/4/2010 1:46:30 PM

95 ٩٨ IIAB Anual 2009 M Final March 3.indd 98 3/4/2010 1:46:31 PM

96 S&P Unrated AA- Unrated ٩٩ IIAB Anual 2009 M Final March 3.indd 99 3/4/2010 1:46:32 PM

97 ١٠٠ IIAB Anual 2009 M Final March 3.indd 100 3/4/2010 1:46:32 PM

98 (Benchmarks)(Libor) Matching (Forward) (Spot) ١٠١ IIAB Anual 2009 M Final March 3.indd 101 3/4/2010 1:46:33 PM

99 ١٠٢ IIAB Anual 2009 M Final March 3.indd 102 3/4/2010 1:46:34 PM

100 ١٠٣ IIAB Anual 2009 M Final March 3.indd 103 3/4/2010 1:46:35 PM

101 ١٠٤ IIAB Anual 2009 M Final March 3.indd 104 3/4/2010 1:46:36 PM

102 ١٠٥ IIAB Anual 2009 M Final March 3.indd 105 3/4/2010 1:46:37 PM

103 ١٠٦ IIAB Anual 2009 M Final March 3.indd 106 3/4/2010 1:46:38 PM

104 ١٠٧ IIAB Anual 2009 M Final March 3.indd 107 3/4/2010 1:46:38 PM

105 ١٠٨ IIAB Anual 2009 M Final March 3.indd 108 3/4/2010 1:46:39 PM

106 ١٠٩ IIAB Anual 2009 M Final March 3.indd 109 3/4/2010 1:46:40 PM

107 ١١٠ IIAB Anual 2009 M Final March 3.indd 110 3/4/2010 1:46:40 PM

108 ١١١ IIAB Anual 2009 M Final March 3.indd 111 3/4/2010 1:46:41 PM

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