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SLIDE NO. 1
SLIDE NO. 2
DISCLAIMER STATEMENT
The information and opinions contained in this document have been compiled or
arrived at by Bank of Palestine from sources believed to be reliable and in good faith,
but no representation or warranty, expressed or implied, is made as to their accuracy,
completeness or correctness. The information contained in this document is
published for the assistance of recipients, but is not to be relied upon as authoritative
or taken in substitution for the exercise of judgment by any recipient. The bank does
not accept any liability whatsoever for any direct or consequential loss arising from
any use of this document or its contents.
SLIDE NO. 3
Palestine Market And Financial Sector Overview
SLIDE NO. 4
MaleFemale
0-1439.1 %
15-2421.2 %
25-3415.4 %
UNDER THE AGE OF 34
Age
75.6 %60% UNDER THE AGE OF 24
80+
75-79
70-74
65-69
60-64
55-59
50-54
45-49
40-44
35-39
30-34
25-29
20-24
15-19
10-14
5-9
0-4
00 5050 100100 150150 250250 200200 300 350300350
370
288
315
271
254
216
168
137
115
97
81
61
40
26
16
9
8
353
276
260
245
207
160
132
112
93
76
58
40
29
21
14
14
303
TOTAL POPULATION: 12.70 M
LITERACY RATE
CURRENCY
In Palestine: 4.88 M (38%)
In the Diaspora: 7.82 M
Jordanian Dinar JOD
American Dollar USD
Israeli Shekel ILS
95%
MARKET REVIEW- DEMOGRAPHICS
SLIDE NO. 5
PALESTINE - OPERATING BANKS
14 Banks Operating in Palestine
Local Banks (7) Foreign Banks (7)
Commercial Banks (4) Jordanian (6) Other Foreign Banks (1)
Bank of Palestine (BOP) Arab Bank Egyptian Arab Land Bank
Palestine Investment Bank (PIBC) Cairo Amman Bank
Al Quds Bank (QUDS) Jordan Ahli Bank
The National Bank (TNB) Bank of Jordan
Islamic Banks (3)The Housing Bank for Trade & Finance
Arab Islamic Bank (AIB) Jordan Commercial Bank
Palestine Islamic Bank (ISBK)
ALSafa Bank
No. of Branches
1242001
1252002
1312003
1332004
1392005
1512006
1602007
1902008
2092009
2112010
2262011
2322012
2372013
2582014
2742015
290H1-2016
SLIDE NO. 6
BANKING SECTOR OVERVIEW - ASSETS | DEPOSITS | LOANS
9
10
11
12
13
8
7
6
5
4
3
2
1
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
9571.072
1.4281.786 1.903 1.758 1.721
2.1643.553
4.111
4.480
7.484
8.306
3.430 3.6243.958 4.190 4.203
5.118
5.847
6.295
6.972
4.2694.729
5.114
5.6015.737
6.9837.401
7.876
9.110
9.797
11.195
4.819
5.8246.767
10.595
13.859
8.935
9.654
11.542
$ Billion
Assets
Deposits
Loans
12.602
SLIDE NO. 7
PALESTINE - PMA REGULATORY FRAMEWORK & REFORMS
Palestine Monetary Authority (PMA)
Established in 1995
IMF, 2011: “The PMA is capable and
ready to assume the role of the
Palestinian central bank”
Installed one of the first electronic credit
bureaus in the Middle East
The Palestine Monetary Authority (PMA) is the emerging Central Bank of Palestine. Its overall purpose is to ensure price stability and contribute to the stability and effectiveness of the Palestinian financial system.
The PMA was established in 1995 by a presidential decree as an independent institution and later by an act of the Palestine Legislative Council PMA Law Number (2) of 1997, which ovutlined the full authority and autonomy of the PMA. Since 2007, the PMA has made notable progress in institutional reform, enabling it to fulfil the core functions of a central bank.
Below is a summary of the main institutional reforms.
Strengthening the Supervision and Regulatory Framework
Electronic Credit Bureau & Credit Scoring Systems
Electronic Payment System (RTGS)
Monetary Operations Department
Strengthening the Financial Sector’s Legal Framework
In 2015 the PMA introduced Basel II instructions to banks operating in Palestine
In 2015 Palestinian President officially decreed Palestinian Anti Money Laundering (AML) and Counter Terrorism Financing (CTF) laws strengthening the legal environment in Palestine
In 2016 PMA commissioned an independent assessment of the WBG AML/CFT regime by a reputable international firm- in cooperation with MENA FATF
A new Banking Law was enacted in November 2010 to strengthen the financial sector’s legal framework. This law aims to maintain a strong and stable financial system, based on fair competition, and to maintain the integrity of this system to ensure renewed confidence from clients and shareholders alike.
Introduced the IBAN to Palestine end of 2012
Deposit Insurance Corporation
In 2013, the Deposit Insurance Corporation Law was enacted as the result of the intensive efforts in collaboration between the PMA, the Banking Association, and World Bank experts.The law establishes the Palestine Deposit Insurance Corporation which aims at safeguarding small depositors, maintaining the stability of the banking system, and thus mobilizing more savings that would enable banks to play a better role in the economy.
The PMA joined the International Association of Deposit Insurers (IADI), which has more than 132 countries as members.
SLIDE NO. 8
THE PALESTINE EXCHANGE (PEX)
Established in 2004
Its jurisdiction encompasses securities,
insurance, financial mortgages, leasing
sectors, and non-banking financial institutions
Established in 1995 – first trading session in 1997
Listed on PEX
49 listed companies on PEX (2015 with market capitalization of about USD 3.2 billion
Operates under the supervision of the Palestine Capital Market Authority
One of the most rewarding exchanges in the region in terms of return on investment (ROI) which averaged 6% per annum over the last five years
The FTSE Russell Governance Board approved the promotion of the Palestine Exchange to Frontier market status within the FTSE Country Classification scheme starting September 2016
PEX Became a full member of the World Federation of Exchanges -WFE- in 2016
SLIDE NO. 9
BANK OF PALESTINE OVERVIEW
SLIDE NO. 10
$0
US$
US$
US$
US$
US$
US$
US$
US$
1,280,000,000
1,545,000,000
1,653,960,732
2 billion
2.35 billion
2.43 billion
US$ 2.78 billion
US$ 4.11 billion
$737
$527
$333
$431
$25$258$239$219
$179$165$150$110
$41$27$18$13$11$9.6$7.3$2.2 $6.6$1.2$0.8.4
497,000,000
2010
2011
201 12
203 1
204 1
205 1
206
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992
1991
1990
1989
1988
1987
1986
1985
1984
1983
1982
1981
1967
1966
1965
1964
1963
1962
1961
1967 Bank is closed after the Israeli invasion of Gaza and the West Bank.
Direct links are established 1994 with international banks
$1.5$0.7 $1.8
2000 Introduction of ATM’s and Points of Sale to the banking system.
2002 Establishment of international trade department and direct dealing with international banks.
2005 BoP shares are listed on the Palestine Stock Exchange.
2006 Founding of BoP’s investment arm - Al Wasata Securities Co. and
2009 Launch of GPRS Point of Sale service and
Through ATM’s.
$1.8 $9.5
$156
$ Million
1981First bank to introduce computers in Palestine
1995 First in Palestine to introduce SWIFT services with correspondent banks
2011 Established
PalPay® - Electronic Payment Solutions
2015 Opening of BOP 1st Representative Office in DIFC Dubai, UAE
2016 Merger of Palestine Commercial Bank into BOP
2016 Became a Member of the Global Alliance of the Banking on Values GABV
1998 First to establish a card processing center in Palestine
1960 Founding of the bank in Gaza
1 billion
2012
2013
2014
2015
2016
2016 Acquisition of majority stake in Arab Islamic Bank, providing Islamic Solutions Banking
SLIDE NO. 11
BOP - EXPANSION OF BANKING NETWORK
Palestine’s largest banking network with across all major
cities & underbanked areas
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
48
19
21
22
22
26
29
30
32
40
42
46
50
50
54
2015 57
2016 67
Yabud
Atteel
Asira
Deir Dibwan
Ni’leen AL Bireh
Al Ram
Beit Sahour
Halhoul
Al Thahiria
Al Yamoun
Jenin
QabatiyaMaythaloon
Toulkarem
Khadouri
NablusHisbeh
Azoun
Qalqilia
Huwwara
SalfeetBedya
Turmusaaya
SilwadGeneral Management
Headquarters, Ramallah
Abu Dees
Beit Jala Bethlehem
Saeer
Tarqumiya
HebronDura
Yatta
Jericho
Birzeit Uni.
Toubas
RimalKarni
Saraya
Jabaliya
Nasser
Tel al-Hawa
Omar Mukhtar
Deir El Balah
Khanyounis
Rafah
Rafah Crossing
Bani Suheila
General Managment, Gaza
Tannous
Omar Al Mukhtar
IrsalNuseirat
67 BRANCHES
SLIDE NO. 12
BOP - RAMALLAH GENERAL MANAGEMENT HEADQUARTERS
BOP - BETHLEHEM FLAGSHIP BUILDING
BOP - JERICHO FLAGSHIP BUILDING
BOP - FLAGSHIP BUILDINGS
SLIDE NO. 13
BOP - INTERNATIONAL STRATEGY- DIASPORA
Brazil 59,000
Algeria 4,030
Germany 80,000
El Salvador 70,000 Egypt 270,245
Columbia 12,000
Canada 50,975
Australia 45,000
Qatar 100,000
Saudi Arabia 280,245
Yemen 55,000
United Arab Emirates 170,000
Syria 630,000Netherlands 9,000
United Kingdom 20,000Sweden 7,000
United States 255,000
Mexico 120,000
Iraq 57,000
Peru 15,000
Pakistan 10,500Libya 44,000
Lebanon 402,582
Kuwait 80,000Jordan 3,240,000
Honduras 250,000
Spain 12,000France 5,000
Greece 4,000
Chile 500,000
Map courtesy of Kinsley Akins, Diaspora Matters (2014)
PALESTINIAN DIASPORA IN THE GLOBE
SLIDE NO. 14
BOP - INTERNATIONAL STRATEGY- DIASPORA
DIASPORA UNIT
There are around 7.6 million Palestinians living in Diaspora with an estimated GDP of $100 billion. BOP has established a dedicated Diaspora Unit, with the purpose of strengthening bonds with Palestinians living in Diaspora, in addition to offering them competitive services in: · Retail Banking· Corporate Banking· Business Advisory Services· Investment and Brokerage Services BOP is planning to open a representative office in Chile by 2017, home to large Palestinian Diaspora population.
SLIDE NO. 15
Bank of Palestine (DIFC Representative Office) Registered with DFSAUnit 413, Level 4, Park towers (A) P.O Box 121208 Dubai, United Arab Emirates
BOP - INTERNATIONAL STRATEGY: REPRESENTATIVE OFFICES
SLIDE NO. 16
BOP - INTERNATIONAL STRATEGY: REPRESENTATIVE OFFICES
REPRESENTATIVE OFFICE SERVICES:
• FINANCIAL ADVISORY SERVICES.• INVESTMENT ADVISORY SERVICES.• NETWORKING AND RELATIONSHIP MANAGEMENT AMONG DIASPORA PALESTINIANS.• FACILITATION OF FINANCIAL SERVICES IN PALESTINE (ACCOUNT OPENING, FIXED TIME DEPOSITS AND CREDIT CARDS).• MORTGAGE LOANS AND OTHER LOANS IN PALESTINE.• TREASURY SERVICES AND CUSTODY SERVICES FOR INVESTMENTS IN THE PALESTINE STOCK EXCHANGE (PEX) .
NEW OFFICES IN 2017
SLIDE NO. 17
BOP’S - CORRESPONDENT BANKS
SLIDE NO. 18
BOP - SUSTAINABILITY STRATEGY
We contribute 6% of our annual profits towards CSR
A holistic sustainability strategy:
· Promoting Sustainable Finance· Developing a Sustainable Economy· Gender Inclusion· Investing in Youth· BOP – A Sustainable Business· Corporate Social Responsibility (CSR)
We hire 6% of all staff – Persons with Disabilities
BOP created a distinctive programme entitled Green Loans to enable residents of rural areas to invest in renewable access to energy and resources such as:
Green Loans Solar Energy
Greywater Recycling
Rainwater Harvesting
Other environmentally friendly projects
Managing Risk for Healthy Growth
PromotingSustainableFinance
Engagingour Employees
PromotingWomen in theWorkforce
ProvidingAccessto Finance
BuildingA SustainableEconomy
CSR
Commitment to our Community& Environment
Managing Risk for Healthy Growth
SLIDE NO. 19
BOP - CONTRIBUTION TO SECTORS
Diversefied Loan Portfolio Over $2.21 billion in loans granted by Bank of Palestine NPL Ratio 2%
37.92%30.33%
16.16%
15.59%
SLIDE NO. 20
BOP - LOANS TO MSMES AND WOMEN OWNED BUSINESSES
FINANCIAL INCLUSION
“Felestinya” Women ProgramBank of Palestine pioneered in 2015 a special program “Felestineya” focusing on economic and social empowerment for women both at the bank and in the market place with a target of reaching 1000 women Annually. The program offered collateral free loans for Women in Business and offered loans guaranteed by gold. Novelty Mini-MBA program was also created in partnership with the IFC which enabled skill set training in financial and non-financial knowhow.
MSME’sBOP designed a programme for the micro, small, and medium enterprises (MSME) segment, as it makes up 90% of the Palestinian economy. The bank in 2015 launched a campaign dedicating USD 200 million to MSMEs in a thrust to raise the credit to this segment of the Palestinian society and Economy. MSME projects are in industry, commerce, service sector, agriculture, tourism and construction.
SLIDE NO. 21
Awards & Recognition· THE BANKER: BEST GLOBAL BANK IN FINANCIAL INCLUSION [2016]· MIDDLE EAST IR SOCIETY AWARD: BEST COMPANY FOR INVESTOR RELATIONS IN PALESTINE [2012, 2013, 2014, 2015]· MIDDLE EAST IR SOCIETY AWARD: BEST IR PROFESSIONAL IN PALESTINE [2015]· EUROMONEY AWARD FOR EXCELLENCE: BEST BANK IN PALESTINE [2011, 2012, 2013, 2014, 2015, 2016]· GLOBAL FINANCE: BEST BANK IN PALESTINE [2012, 2013, 2014, 2015, and 2016]· GLOBAL FINANCE: BEST TRADE FINANCE BANK IN PALESTINE [2012, 2013, 2014, 2015, and 2016]· THE BANKER: BEST BANK IN PALESTINE [2013, 2014, 2015, and 2016]· EMEA FINANCE: BEST BANK IN PALESTINE [2011, 2012, 2013, 2014, 2015 and 2016]· EMEA FINANCE: BEST CSR PROGRAM IN THE MIDDLE EAST AWARD [2014]· EMEA FINANCE: CEO OF THE YEAR IN THE MIDDLE EAST AWARD [2015]· EMEA FINANCE: BEST BANK IN THE MIDDLE EAST IN FINANCIAL INCLUSION [2015 and 2016]· WORLD UNION OF ARAB BANKERS: THE BEST BANK IN PALESTINE [2015, 2016]· ASIAMONEY: BEST BANK IN PALESTINE [2015 and 2016]· CPI FINANCIAL/BANKER ME: BEST BANK IN PALESTINE [2012, 2013, 2014, and 2015]· CPI FINANCIAL/BANKER ME: FASTEST GROWING BANK IN PALESTINE [2012, 2013]· JP MORGAN: ELITE QUALITY RECOGNITION AWARD FOR U.S. DOLLAR CLEARING [2011, 2012]· RANKED IN [2012, 2013, 2014, and 2015] AS ONE OF THE TOP 100 BANKS IN THE MIDDLE EAST BY CPI FINANCIAL 100· FT/IFC: SUSTAINABLE BANK OF THE YEAR NOMINATION [2012, 2013]· CITI’S PERFORMANCE EXCELLENCE AWARD FOR OUTSTANDING ACHIEVEMENT IN STRAIGHT THROUGH PROCESSING [2014]· BEST CEO IN THE MIDDLE EAST BY EMEA FINANCE FOR THE YEAR 2014· ONE OF THE 50 MOST INFLUENTIAL lEADERS IN FINANCE AND BANKING ACCORDING THE GLOBAL FINANCE MAGAZINE IN 2015
BOP - INTERNATIONAL AWARDS
SLIDE NO. 22
BOP - CUSTODY AND SAFEKEEPING SERVICES IN PALESTINE
SAFEKEEPING
TRADE SETTLEMENT
INCOME COLLECTION REPORTING
ADMINISTRATION
PROXY VOTING
Holding and protecting assets.
Transmitting precise, timely trade information and executing settlements and arranging settlement of exchange transaction.
Collecting income on portfolio holdings promptly.
Providing timely and comprehensive reports on portfolio holding. Following up on market & companies news to keep clients updated.
Maintaining books and records.
Submitting votes per the client’s instructions.
SLIDE NO. 23
BOP - RISK MANAGEMENT –ALONG BASEL II GUIDELINES
► Risk analysis► Limits► Pricing
Day to day risk management
► Capital management► Learning and development
► People à Mandates, roles & responsibilities
►Organisation structure► IT à Databases, systems
Infrastructure
► Documentation & Implementation of procedures for all business units & product types
Policies
Risk management framework
► Assessment►Measurement (inc. tools)►Monitoring and reporting►Mitigation and control►Optimisation
Processes
SLIDE NO. 24
BOP - COMPLIANCE
Bank of Palestine has a dedicated Compliance Department.
Compliance is independent and reports to the Board Audit Committee.
Compliance reviews PMA guidelines to ensure adherence by all departments.
Compliance reviews new products and services to ensure proper adherence.
Bank of Palestine is in compliance with Local AML and CFT regulations working with the Palestinian Monitory Authority (PMA) and Financial Follow Up Unit (FFU).
Bank of Palestine is in compliance with International AML and CFT regulations and Standards.
Bank of Palestine as part of its compliance adheres to FATCA, EU regulations and other international compliance requirements.
Bank of Palestine through the regulatory authorities works with US Treasury, IMF and FATF on enhancing the compliance system within the bank .
SLIDE NO. 25
BOP - SUBSIDIARY COMPANIES - PALPAY®
PalPay® our payments subsidiary that began operations in 2012, was very active and successful during 2016. The number of electronic transaction conducted during the first half of 2016 through PalPay® exceeded 8.7 million transaction with a growth of 36% copmared with the same period of 2015.
PalPay® promoted its services regionally, as it was one of the main sponsors of the Cards and Payments Middle East conference that took place in Dubai.
PalPay® Participated in GITEX Technology Week 2016 that took place in Dubai.
SLIDE NO. 26
BOP - SUBSIDIARY COMPANIES - AL WASATA SECURITIES CO.
Alwasata securities, was ranked as the number one brokerage company- out of eight brokerage companies in Palestine- for attracting new Investor in 2016. Its market share in trading volume reached 21.07% during 2016. The company’s assets under management reached approximately USD 509 million.
Alwasata Best Broker in Palestine 2013, 2014, 2015 and 2016
SLIDE NO. 27
ARAB ISLAMIC BANK (AIB)
Is the latest subsidiary addition to Bank of Palestine Group, and in essence is the Islamic banking arm for Bank of Palestine, allowing it to provide with its 13 branches Islamic Banking solutions to a growing segment of customers requiring such sharia’ compliant solutions. AIB awarded as best Islamic Bank by Global Finance.
BOP - SUBSIDIARY COMPANIES - AIB
BEST ISLAMIC FINANCIAL INSTITUTIONIN PALESTINE
SLIDE NO. 28
IBTIKAR FUND
SLIDE NO. 29
BANK OF PALESTINE FINANCIAL HIGHLIGHTS
| Final Results |
SLIDE NO. 30
BOP - KEY PERFORMANCE INDICATORS
99.62
Total Revenue
20
40
60
80
100
120
140
160
180
34.80 45.87
59.68 64.54
79.04
88.79
101.77 112.69
120.29
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Million (USD) Million (USD)
20
40
60
80
100
120
30.58 35.53
48.42 52.87
61.84
75.98 83.68
102.55115.66
149.13
Net Interest & Commissions Income
140
160
136.79
177.49
growth 29.76% growth 28.94%
SLIDE NO. 31
BOP - KEY PERFORMANCE INDICATORS
18.89
25.00
28.55
34.54 37.73
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Profit Before Tax
10
20
30
40
50
60
Million (USD) Million (USD)
5
10
15
20
25
30
35
40
45
50556065
13.90
20.58 23.61
30.12 33.98
38.35 40.44 40.22
Net Profit
41.87
49.9753.04 51.66
54.57
67.49
26.93
growth 24.61% growth 22.91%
43.2
53.05
SLIDE NO. 32
BOP - KEY PERFORMANCE INDICATORS
Million (USD)
500
1000
1500
2000
2500
3000
3500
4000
4500
497 603
848 1,047
1,284
1,545 1,654
2,004
2,348
2,785
4,118
2,425
43 56
90
123 150
164 194
221 252
280
305
403
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Assets
Million (USD)
Customer Deposits
71.25
480.82
679.63 840.50
1,016.68
1,251.48 1,296.57
1,554.49
1,745.56
2,062.52
2,242
3,143
Million (USD)
200
400
600
800
1000
1200
1400
1600
1800
2000
50
100
150
200
250
300
350
400
450
142 156 243
285343
545
720
976
1,103 1,151
1,388
2,213
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Loans
Million (USD)
Shareholders' Equity
500
1000
1500
2000
2500
3000
3500
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2015 20162015 2016
2015 2016
growth 47.88% growth 40.15%
growth 59.38% growth 32%
SLIDE NO. 33
BOP - KEY PERFORMANCE INDICATORS
Million (USD)
500
1000
1500
2000
2500
3000
3500
4000
4500
497 603
848 1,047
1,284
1,545 1,654
2,004
2,348
2,785
4,118
2,425
43 56
90
123 150
164 194
221 252
280
305
403
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Assets
Million (USD)
Customer Deposits
71.25
480.82
679.63 840.50
1,016.68
1,251.48 1,296.57
1,554.49
1,745.56
2,062.52
2,242
3,143
Million (USD)
200
400
600
800
1000
1200
1400
1600
1800
2000
50
100
150
200
250
300
350
400
450
142 156 243
285343
545
720
976
1,103 1,151
1,388
2,213
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Loans
Million (USD)
Shareholders' Equity
500
1000
1500
2000
2500
3000
3500
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2015 20162015 2016
2015 2016
growth 47.88% growth 40.15%
growth 59.38% growth 32%
SLIDE NO. 34
BOP - KEY PERFORMANCE INDICATORS
195,987 222,866
256,240
376,489
24.69 36.30
59.77
81.40
100 100
120 134
564 635
669 752
864 943
1,061 1,139
1,212
1,405
1671
1,281
150
20
100
200
300
400
500
600
700
800
900
1,000,000
40
60
80
100
120
140
160
180
200
200
400
600
800
1000
1200
1400
1600
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Million (USD)
Paid-Up Capital No. of Employees
No. of Customers
160
175
195
429,149 483,884
542,199 621,983
647,947 698,297
749,849
890,768
26 29 30 32
40
46 48 50 54
57
67
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
No. of Branches
2015 2016
2015 2016 2015 2016
2015 2016
42
SLIDE NO. 35
BOP - KEY PERFORMANCE INDICATORS
195,987 222,866
256,240
376,489
24.69 36.30
59.77
81.40
100 100
120 134
564 635
669 752
864 943
1,061 1,139
1,212
1,405
1671
1,281
150
20
100
200
300
400
500
600
700
800
900
1,000,000
40
60
80
100
120
140
160
180
200
200
400
600
800
1000
1200
1400
1600
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Million (USD)
Paid-Up Capital No. of Employees
No. of Customers
160
175
195
429,149 483,884
542,199 621,983
647,947 698,297
749,849
890,768
26 29 30 32
40
46 48 50 54
57
67
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
No. of Branches
2015 2016
2015 2016 2015 2016
2015 2016
42
SLIDE NO. 36
C.A. TypeAnnouncement Date/AGM Date
Dividend Date
Dividend Payment
Date
Outstanding Shares Before
C.A.
Cash Dividends-
USD
No. of New Shares
Outstanding Shares After
C.A.
% of Dividends
2016
Stock Dividend 25/3/2016 4/4/2016 4/4/2016 175,000,000 10,000,000 185,000,000 5.71%
Cash Dividend-USD
254/3/2016 25/3/2016 27/3/2016 18,000,000 175,000,000 10.29%
2015
Stock Dividend 4/24/2015 5/3/2015 5/3/2015 160,000,000 15,000,000 175,000,000 9.375%
Cash Dividend-USD
4/24/2015 4/26/2015 4/26/2015 19,200,000 160,000,000 12%
2014
Stock Dividend 4/25/2014 5/4/2014 5/5/2014 150,000,000 10,000,000 160,000,000 6.66%
Cash Dividend-USD
4/25/2014 4/27/2014 4/27/2014 12,500,000 150,000,000 8.33%
2013
Stock Dividend 4/26/2013 5/5/2013 5/2/2013 134,000,000 16,000,000 150,000,000 11.94%
Cash Dividend-USD
4/26/2013 4/28/2013 5/2/2013 10,050,000 134,000,000 7.50%
2012
Stock Dividend 4/27/2012 4/29/2012 5/2/2012 120,000,000 14,000,000 134,000,000 11.66%
Cash Dividend-USD
4/27/2012 4/29/2012 5/2/2012 9,000,000 120,000,000 7.50%
2011
Stock Dividend 4/29/2011 5/2/2011 40/05/2011 100,000,000 20,000,000 120,000,000 20%
BOP - INVESTOR RELATIONS- CORPORATE ACTIONS AND DIVIDENDS
SLIDE NO. 37
Bank of Palestine remains buoyant on Palestine
50% of population unbanked
20% of women are in the job market
43% Young Population
75% mobile penetration
45% Internet Penetration
60% of land mass underutilized
and requiring infrastructure investments
BOP - FUTURE OUTLOOK
Future Corporate Headquarter- Bank of Palestine, Ramallah, Palestine
