EVALUATING PERFORMANCE : PERFORMANCE PARAMETERS New Capabilities & Initiatives 2. Financial Performance 3. Nominations 4. Productivity & Utilization of Resources 5. Client Perception & Reputation

DISRUPTION TURNED TO A BIG OPPORTUNITY Performance during the disruption has been stellar. Converted Challenge to Opportunity NEW CAPABILITIES NOMINATIONS REVENUES & COST PERCEPTION ACHIEVEMENTS Demonstrated the Agility & Capabilities to the Clients. Perception boost. E-learning platform created from scratch completely in house in just two months. Now its a best in class platform in terms of Content & User experience . Biggest asset for EIBFS in the future By December around 150 courses. Big capability as 2019 ATP had only 150 courses/ E-Learning platform will alone get EIBFS minimum 10,000 learners in 2021 and will generate revenues. In monetary terms AED 1 million worth of E-learning courses will be created. (External would cost minimum AED 10k/course) Nominations for Distance Learning better than Classroom sessions. 76% higher nominations vs Classroom New capabilities acquired : Flipped Learning, Webinars, Social media events New Learning Solutions Introduced : Flipped Learning, Reskilling program ‘Future Proof Banker’ Revenue Generated and Realized in 2 months : 1 mio with new products+. In line for the targeted performance Reskilled the Internal Trainers and Admin on Technology & best practices Major reduction in Costs. External trainer spend in the period down 80%+. Despite disruption kept the positive spirit and motivation of the team high

**KEY POINTS : DECISIONS NEEDED ** Should we stick to announced calendar from September ? In that case costs will go up. Currently flexible schedule with more focus on popular courses and Banks are happy. From September onwards 80% could be ideal to be delivered online. Social distancing norms could mean lower participants and more batches increasing cost and exposing our staff to health risks. 25-30% programs to be moved to Teams to involve those Banks which have challenges with Zoom ATP 2021 : Time for a Radical shift like 2019 Preferred Methodology – Flipped Learning (E-learning + Class/Live) Learner would have to complete the background E-learning course before coming to class. 30-40% can be converted Classes - 90% to be 1 day only Webinars to be part of Calendar EIBFS Certificates on E-learning platform. Currently doing a survey on Learner preferences for online learning post disruption