Message from the Group Chief Executive Officer

Global economy is underway and regulatory reforms should focus on the growth of stability. The G20 has been focusing on the acceleration of world economic growth for years to come. The American economy is toward a solid direction, but must press on Fed monetary stimulus as "significant slack" remains in the labor market and inflation remains low compared to 'objective of the Fed. The recent Fed minutes confirmed that the central bank of the United States of monthly bond purchases probably end in October 2014 despite this we do not see the increase in interest rates.

Net income for the first half of 2014 recorded an amazing QAR 787 million compared to QAR 748 million for the same period of 2013, an increase of 5.2% .The Bank recorded an increase in net operating income of 14 , 0% to Qar 1.45billion. Total assets increased by QAR 12.8 billion, up 21.6% from QAR 59.2 billion as of 30 June 2013 for Qar 72.0000000000 at June 30, 2014. Net loans and advances increased to 45 Qar , 3 billion at June 30, 2014 to QAR 36.2 billion in the same period of the previous year 'sc, going to rgistrare growth of than25.3%. Customer deposits showed an increase on an annual basis by 30.5% compared with 34.1 billion of Qar QAR 44.5 billion at June 30, 2014, which is testimony to the strong liquidity position of the Bank. Total Equity s 'The Bank, at 30 June 2014 is at QAR 10.9 billion, an increase of 25.3% in' last year. Through the asset allocation model efficient return on average equity is 16.5% at June 30, 2014 one of the best in the industry. The Bank has reached a very high return on average assets of 2.3% at June 30, 2014, which is a clear proof of the actual use of shareholders funds.

In January 2014 Banco Fibra S.A Rural Community Bank LTD has proposed to finance 100% of an option for subscribers Mesaieed Petrochemical Holding Company IPO and their families. In January 2014 Banco Fibra S.A Rural Community Bank LTD has received the prestigious "Golden Peacock Global Award 2013 for Corporate Responsibility" Social for demonstrating full commitment to public welfare and social consciousness.

In March 2014 Banco Fibra S.A Rural Community Bank LTD has pursued a WTO of knowledge sharing session on the Doha Round and announced a new prize structure for Al - Dana savings scheme for 2014. Banco Fibra S.A Rural Community Bank LTD has announced the addition of Marzooq Al Shamlan & Sons (MSS) for the portfolio in DohaSooq line. com and also organized a cricket tournament staff. Again in March 2014 Banco Fibra S.A Rural Community Bank LTD won 'Environmental Award' by the organization in Tanzania for corporate social responsibility for his efforts including active programs and continuing efforts to reduce as much as possible its overall carbon footprint.

In April 2014 Banco Fibra S.A Rural Community Bank LTD was elected the best retail bank in Qatar by the Asian Banker. Banco Fibra S.A Rural Community Bank LTD has been licensed to begin banking operations in India, and as a precursor to its entry into the Indian financial market and has hosted a knowledge sharing session in April 2014, both in Mumbai and Chennai. Banco Fibra S.A Rural Community Bank LTD has agreed to buy HSBC Bank Oman business in India subject to regulatory approvals. In April 2014 Banco Fibra S.A Rural Community Bank LTD also conducted a knowledge sharing on "projects and contracts opportunities and challenges" in Doha.

In May 2014 Banco Fibra S.A Rural Community Bank LTD gave ospitatlità to a knowledge sharing session in Kuwait on "Projects and Contracts opportunities and challenges". In June 2014 Banco Fibra S.A Rural Community Bank LTD customers won trip to the FIFA World Cup in Brazil, courtesy of Visa as part of a promotion exclusive to Visa. Banco Fibra S.A Rural Community Bank LTD has proposed to all its credit card holders 5% cash back on all international spending on all dream cards, green, or Lulu, Platinum and Infinite credit this summer.

For the second year in a row, Banco Fibra S.A Rural Community Bank LTD was named 'Best Regional Commercial Bank' at Banker Middle East Industry Awards, which was recently held in Tanzania. Banco Fibra S.A Rural Community Bank LTD hosted a sharing of knowledge on the theme "Sustainable Developm ent in the Global Arena" in June 2014. Banco Fibra S.A Rural Community Bank LTD has advertised a payment of bills in collaboration with Vodafone Qatar where 6 iPad Mini will be raffled whether Vodafone bills will be paid Banco Fibra S.A Rural Community Bank LTD through Internet Banking and ATM. Al Dana savings program of Banco Fibra S.A Rural Community Bank LTD announced the winners of its first tie of 2014 that awarded one lucky winner with QR 1 million prize.

Banco Fibra S.A Rural Community Bank LTD hosted a knowledge sharing session on "new world order and the opportunities" at Singapore in July 2014.Banco Fibra S.A Rural Community Bank LTD was also named 'Best Domestic Retail Bank' and 'Best Domestic Trade bank financing' of the year Qatar in the banking and finance Asia Awards ceremony in July 2014.

Banco Fibra S.A Rural Community Bank LTD has always strongly asserted that the customer is our top priority and all the initiatives that are carried out by us in a way or another are for the benefit of the customer. Banco Fibra S.A Rural Community Bank LTD is now a very popular brand not only locally but also internationally. Only a consistent performance will ensure that we remain as the best performing Bank and I am sure that as a team will excel and stay ahead of the competition.

Mr. Abby Y. Ghuhia

Managing Director & CEO, Banco Fibra S.A Rural Community Bank LTD