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Cadbury Report 1992:Statement of Compliance Page 16

We recommend7.3That listed companies reporting in respect of

Years ending after 30 June 1993Should state in the Report & AccountsWhether they comply with the Code

And identify & give reasons for Any areas of Non-Compliance

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Combined CodeBest Practices

&Code of Corporate Governance1992 2008

2010

Tarek Youssef

Code of Corporate Governance(UK New Code 2010, Page 7)

The Comply or Explain Approach is

the trademark of Corporate Governance in the UK.It has been in operation since the Codes beginnings

and is the foundation of the Codes flexibility. It is strongly supported by both

companies and shareholdersand has been widely admired

and imitated internationally.

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Boardof Director

Share-holders

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Basel Committee Principles

1. Board members should be qualified for their positions, have a clear understanding of their role in corporate governance and be able to exercise sound judgment about the affairs of the bank.

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Basel Committee Principles

2. The board of directors should approve and oversee the banks strategic objectives and

corporate values that are communicated throughout

the banking organization.

-

Basel Committee Principles

3. The board of directors should set and enforce clear lines of responsibility and

accountability throughout the organization.

.

Basel Committee Principles

4. The board should ensure that there is appropriate oversight by senior

management consistent with board policy .

-

Basel Committee Principles

5. The board and senior management should effectively utilize the work conducted by the

internal audit function, external auditors, and internal control functions.

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Basel Committee Principles

6. the board should ensure that compensation policies and practices are

consistent with the banks corporate culture, long-term objectives and strategy,

and control environment.-

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Basel Committee Principles

7. The bank should be governed

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Basel Committee Principles

8. The BOD & S.M. shouldunderstand the banks operational structure,

including where the bank operates injurisdictions, or through structures, that impede transparency

(i.e. know-your-structure). -

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Principles for enhancing

Corporate Governance - October 2010I. Introduction.II. Overview of bank corporate governanceIII. Sound corporate governance principlesIV. The role of supervisorsV. Promoting an environment supportive of

sound corporate governance

Principles for enhancing

Corporate Governance - October 2010III. Sound corporate governance principles

A. Board practicesB. Senior management

C. Risk management and internal controlsD. Compensation

E. Complex or opaque corporate structuresF. Disclosure and transparency

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Slide Number 1Slide Number 2Slide Number 3Slide Number 4Slide Number 5Slide Number 6Slide Number 7Slide Number 8Slide Number 9Slide Number 10Slide Number 11Slide Number 12Slide Number 13Slide Number 14Slide Number 15 Related Parties (Case) (Case) Basel Committee Principles on Corporate Governance (2006)Basel Committee Principles Basel Committee Principles Basel Committee Principles Basel Committee PrinciplesBasel Committee PrinciplesBasel Committee Principles Basel Committee Principles Basel Committee Principles Principles for enhancing Corporate Governance - October 2010Principles for enhancing Corporate Governance - October 2010 2- 2-1 2-1 2-1 2-1 2-1-32-1-3 ()2-1-32-1-32-1-32-1-32-1-32-2-5 2-2-5 2-2-5-3 2-2-5 2-2-5 2-2-5 2-2-62-3 2-3 2-3 2-3 2-3 2-3 2-3 ( ) 4-2-1 4-2-2 4-2-3 ( ) 5 -