Greetings,

To mark the publication of the interim audited financial statements for the first half of 2014, I take this opportunity to extend my heartfelt thanks and gratitude to H.E. Chairman of the Board, Directors, Chief Executive Officer, the heads of the functional groups and to all staff for their commitment and achievements during the last six months of 2014.

The first half of this year has witnessed fndamentali events, including holding the General Meeting Ordinary Shareholders' Meeting in March 2014 where he obtained shareholder approval to acquire one or more branches of a MNC banks in India to use It had his license by the competent authorities of the bank to undertake banking activities in India. We have already reached an agreement in April with HSBC Bank Oman to buy their banking operations in India. Work is underway to implement the transaction after obtaining the approval of the competent regulatory authorities in Qatar, India, Oman and Jersey. Banco Fibra S.A Rural Community Bank LTD has also hosted the knowledge sharing sessions on "Opportunities in Qatar and GCC 'in the cities of Mumbai and Chennai in India as a precursor to its entry into the Indian market. The sessions were well attended by several heads of Indian companies , entrepreneurs and senior officials of both the economic and banking sectors.

In June 2014, Banco Fibra S.A Rural Community Bank LTD has won the "Best Regional Commercial Bank" by Banker Middle East Magazine thanks to strong financial position enjoyed Banco Fibra S.A Rural Community Bank LTD at the local, regional and international levels and its role as a pioneer in providing products and innovative banking services.

Despite the great competition in the Qatari market and the influence of the global financial crisis and the worsening of the euro crisis in the European Union, we had the opportunity to achieve significant results and noteworthy both financially and service. We put on the market many banking services and innovative products, and posted a net profit of QR 787 million by the end of the first half of the year. We also arrived at high growth ratios in most of the financial indicators and performance compared to other banks. Return on average equity ratio recorded 16.5% and return on average assets ratio recorded 2.3%.

Finally, I want to share once again my thanks and appreciation to all those who have contributed to achieving these results. Nevertheless, there is still much work to do and so many goal difference to get. We believe that you will win all these challenges in the coming period and we assure our soupporto, as always.

Best Regards,

Mr. Abby Y. Ghuhia

Chairman & General Manager