Eastern Bank Limited: Profile With a vision to become the bank of choice and to be the most valuable financial

brand in Bangladesh, Eastern Bank Ltd. (EBL) began its journey in 1992. Over the years EBL has established itself as a leading private commercial bank in the country with undisputed leadership in Corporate Banking and a strong Consumer and SME growth engines. EBL's ambition is to be the number one financial services provider, creating lasting value for its clientele, shareholder, employees and above all for the community it operates in.

Product Basket Bangladesh Banking Sector has grown from strength to strength over the past one decade and is fiercely competitive, especially in the Consumer Banking segment. EBL offers a wide range of depository, loan and card products to cater virtually for every customer segment. From Student Banking to Priority Banking to Platinum card EBL has almost all banking products in its repertoire. The product basket is rich in content featuring different types of Savings and Current Accounts, Personal Loans, Debit Cards, Credit Cards, Pre-paid Cards, Internet Banking, Corporate Banking, SME Banking, Investment Banking, Treasury & Syndication services. The customers are served through a network of 68 Branches, 158 ATMs and 42 Billspay countrywide. EBL has its presence in 11 major cities/towns in the country including Dhaka, Chittagong, Sylhet, Khulna, Rajshahi & Coxs Bazar.

EBL is also the first bank to introduce Priority Banking in Bangladesh. In priority segment, EBL offers high quality products and services and dedicated Relationship Managers is committed to help manage financial health, preserve lifestyle and maintain priorities of the customers wherever life takes them.

Product Innovation EBL is known for its product innovation in the market. During the past five years, EBL introduced 12 new-to-Bangladesh financial products and services. EBL Matribhumi the bundle product for expatriate Bangladeshis, insurance covered monthly savings scheme, VISA corporate cards, remittance card and mobilebased remittance solution are just a few of them. On the SME banking window EBL offered customerfriendly and groundbreaking products like EBL Uddom and EBL Mukti. At present, EBL Consumer, SME and Corporate Banking units are capable of handling every kind of customer financial needs.

Things you didn't know about EBL 01. EBL is the first bank in Bangladesh to go online. 1|Page

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EBL provided the first Green Loan in Bangladesh in Solar Panel manufacturing plant which will contribute to transform the lives of 1 million people of the most remote and off-grid areas by lighting up their homes.

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EBL is the first ever local bank to finance Aircraft purchase deal of Biman Bangladesh Airlines. Prior to this, only multinational banks used to finance such projects.

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EBL generates highest profitability per employee in Bangladesh Banking sector.

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EBL launched first ever Bank- sponsored Mutual Fund in Bangladesh.

Vision To become the most valuable brand in the financial services in Bangladesh creating long-lasting value for our stakeholders and above all for the community we operate in by transforming the way we do business and by delivering sustainable growth.

Mission We will deliver service excellence to all our customers, both internal and external.

We will ensure to maximize shareholders' value.

We will constantly challenge our systems, procedures and training to maintain a cohesive and professional team in order to achieve service excellence.

We will create an enabling environment and embrace a team based culture where people will excel.

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SERVICE EXCELLENCE

We passionately drive customer delight. We use customer satisfaction to accelerate growth. We believe in change to bring in timely solution.

OPENNESS

We share the business plan. We encourage two way communications. We recognize achievements, celebrate results.

TRUST

We care for each other. We share learning/ knowledge. We empower our people.

COMMITMENT

We know our roadmap. We believe in 'continuous improvement'. We do not wait to be told.

INTEGRITY

We say what we believe in. We respect every relationship. We do not abuse information power.

RESPONSIBLE CORPORATE CITIZEN

We are tax-abiding citizen. We promote protection of the environment for our children. We conform to all laws, rules, norms, sentiments and values of the land.

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EBL Management The EBL Management Team or Management Committee (ManCom) comprises of a group of eighteen people and each of them comes with an international working background and are committed in leveraging their experiences to take EBL to greater heights by ensuring top line revenues with dynamic capabilities.

EBL ManCom is unique in being able to envision the need of the business by bringing in a mixture of advanced technology solutions know-how and revamping the organizational make- up for maximum profitability.

Other than the MD & CEO, the remaining ManCom Members each head a function viz Consumer & SME Banking Corporate Banking Credit Finance Human Resources Information Technology Operation

This mix of people is persistent to provide unparallel service to its customers, come up with timely and innovative products and services and to enhance the capabilities of its people while emphasizing on the latest technology. This they believe will take the Bank to a leadership position in the country.

The objective of EBL ManCom is to drive the business to maximize the operational excellence and efficiency through acquisition of talent, developing systems, processes and people and through blending in of these to let customers revel in with fulfillment and permanency.

Investor Relations EBL welcomes you to the investor relation site to answer your questions or any inquiries that you might have about investing in Bangladesh and specifically in EBL. We want to acquire and develop high quality relationship in the market through our clients not only in Bangladesh but else where in the world. With our experience and resources , combined with your co-operation, we can help you invest with the

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feeling of security and trust. EBL promises you, to deliver excellent service with the confidence of handling any challenges that comes along. Investors may make general inquires or contact our investor relations in charge at the address provided below: Mr. Md. Safiar Rahman Company Secretary Eastern Bank Limited. Head Office 10, Dilkusha C/A Jiban Bima Bhaban, Dhaka

Phone: 9556371 PABX: 9556360 Ext: 116 Email: info@ebl-bd.com

Eastern Bank Limited: Achievements As a business, EBL is guided by the objectives to expand and deepen client relationships, and invest consistently on technology. As a bank, we operate according to the fundamental principles of the company, which include putting our clients first and adhering to the highest standards of integrity. Over the past 20 years our excellent culture and a focused long-term strategy have contributed to our outstanding track record. One of our core strengths is our fortress balance sheet and our adherence to ethical banking. Our sincere efforts in bringing international standards in accounting have been wellappreciated and gotten recognitions from local and international institutions like The Institute of Chartered Accountants of Bangladesh (ICAB), South Asian Federation of

Accountants (SAFA), The Institute of Cost and Management Accountants of Bangladesh (ICMAB).

EBL was awarded the 2nd Prize at 12th ICAB National Awards for the Best Presented Annual Reports 2011 and also awarded same position for Annual Report 2009. EBL is a recipient of Certifi cate of Merit' in the Best Presented Annual Report Awards 2011 by South Asian Federation of Accountants (SAFA). Last year our Annual Report 2011 got the 3rd Prize at the ICMAB Best Corporate Awards. Employee first is our bracing motto. We believe that the source of our competitive advantage lay deep inside our company, in our people. Our core brand has always been our employees, appreciated for their passion

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to perform. For us employees are the best brand. We do not off er our employees a job, we offer them a career. We have highest per employee productivity in the banking industry for last 6 years.

Last year our HR policy and practices got international recognition when we were awarded the Asia's Best Employer Brand Award at World HR Congress in Singapore. Our Human Resources Division is also the first Bangladeshi bank to achieve ISO certification for its commitment to quality HR Practice in People Management.

Our Trade Service Department and Service Delivery Department are regarded among the best in the market for our commitment to quality delivery and trade service operations. Our ISO 9001:2008 certifications for Trade Service Department and Service Delivery Department speak volumes about our best practices.

We are consistently achieving recognition from World Bank. We have been awarded twice as the best GTFP issuing Bank in South Asia.

The crowning glory of EBL's commitment to perform with passion has been winning the Best Financial Institution 2010, the most coveted award of the country at the DHL-Daily Star Bangladesh Business Awards 2010.

As we are striving to achieve international standards in all our products and services, international recognition is natural to follow. The Global Brand Congress held in Mumbai conferred EBL Awards for Brand Excellence in the Best Banking and Financial Services category.

One of the most significant awards for EBL last year was the CEO of the Year award to our CEO Mr. Ali Reza Iftekhar by Asian HR Leadership Award held in Dubai. This award carries a symbolic signifi cance for us. Out of 45 nominations from Asia he was selected by the Jury board for his significant contributions to the Bangladesh banking sector. As an ardent promoter of the concept of sustainable development he has successfully introduced international best practices and ethical banking and transformed EBL into the most valuable financial brand in the country.

Eastern Bank Limited: Brand Communication EBLs communication initiatives leverage its renowned logo introduced in 2003, the tri-colour mnemonic signifying the colours of the sun, sky and mother earth. The vibrant colours of the logo radiate a sense of youthfulness. Different Brand surveys consistently show EBL as one of the most widely recognized financial brands in Bangladesh. EBLs brand and visual identity have recently been evolved to match the Banks ambition and confidence. The concept of putting the vibrant yellow colour up front is 6|Page

underpinned by three core elements. The logo now stands alone on all communication materials amidst bright yellow delivering a premium, consistent and confident look and feel. The Banks corporate design of the tri-colour flow is supported by a well-defined brand personality highlighting EBLs unique characteristicsa passionate, precise, confident and agile mind. The final element in the logo design is the claim, Simple Math which demonstrates the passion that it promises.

EBL actively embraces its role as a corporate citizen. It regards Corporate Social Responsibility (CSR) not a charity, but an investment in society and in its own future. EBLs goal as a responsible corporate citizen is to build social capital. The Bank leverages its core competencies in five areas of activity: through social investments it aims to create opportunities; with its involvement in art and music it fosters creativity; via its educational grant programme it enables talent; through its commitment to sustainability it ensures long term viability, and the Banks employees regularly participate in activities that provide social support.

EBL came forward to give succor to the AILA affected people of Satkhira with the supply of pure drinking water. Round the year, EBL participated in several social and community events and contributed towards the sustainable development of the community. EBL in cooperation with the Dhaka University Alumni Association (DUAA) has been regularly sponsoring the EBL-DUAA Inspiration a financial grant programme which supports meritorious students of Dhaka University.

The HR motto of EBL is: We do not offer jobs, we offer career. EBL is widely recognized for its gender impartial work environment, corporate culture and best practices that attract and help retain top talents of the industry. EBLs employees are its brands.

Recent Developments To further strengthen EBLs position as a market leader the Bank is set to launch two separate subsidiaries namely EBL Securities Ltd. and EBL Investment Ltd. to provide related services to its own customers and create new market. EBL has recently got approval for opening up two remittance subsidiaries under the name of EBL Exchange in Malaysia and United Kingdom. These new SBUs shall not only help EBL in expanding its geographic reach but also help exploring in newer markets. To provide the customers with cutting edge technology, EBL has recently upgraded its core banking software to Universal Banking System. EBL is the first bank in South Asia to use such banking solutions.

Brand Value Eastern Banks claim, Simple Math has always been much more than just a marketing slogan or an advertising strap line, it defines the way that the Bank does business. Through the consistent delivery of the promise EBL aims to live its brand promise of excellence, relevant client solutions and responsibility to all stakeholders.

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Simple Math as the strap line goes, EBL offers simplicity in all its banking services and products. From products and services to processes, EBL tries to uphold the essence of the message, simplicity. EBL strongly believes in investing in human capital and as such people is regarded as the most valuable asset of the company.

All in all, EBL has established itself as a valuable brand in Bangladesh symbolizing innovation, quality and trust.

EBL Offices EBL Head Office Jiban Bima Bhaban 10, Dilkusha C/A Dhaka - 1000 Phone: 02-9556360

Corporate Banking Office Dhaka

Jiban Bima Bhaban 10, Dilkusha C/A Dhaka Phone: PABX-9556360, Tel: 02-9554830, 02-9565696

Corporate Banking - Uday Tower Office

Uday Tower (1st Floor) Plot: 57 & 57/A Gulshan Avenue (South) Dhaka -1212 Phone: 02 8834328-8833607 Fax: 02 8835420

Gulshan Cards Center

Sabera Tower (5th ), House 42 Road-52 Gulshan North C/A, Dhaka-1212 Phone: 16230 or +88 02 8332232

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Fax: 02 9882316

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