Our success was established as a result of building a strong organizational structure for the company with the continued support from successive boards with expertise and high qualifications in the financial, real estate and investment sectors during their operating periods and achieved continuous and consecutive successes since 2000 through the development and implementation of a conservative and promising strategic plan for expansion, development and investment which has achieved strong financial results in accordance to the practical and innovative solutions that are flexible enough to meet the changing needs of its customers as well as meeting the challenges and exploring new horizons for the benefit of our shareholders, partners and the communities in which we operate.

We are committed to our shareholders and we strive to maintain consistent growth rate, enhanced profitability and effective cash management thus optimizing the returns over the invested capital in order to achieve quality and value. We follow low-risk policies and strategies that work on the acquisition of good assets and maintain balance and diversity in our real estate investment between recurring income assets and strategic assets which achieve higher growth and create a sustainable value for our shareholders and partners.

Our Policies includes creating balance between the internal and external resources of the company which is reflected by strong financial indicators, both at the company financial statement level and the financial parties. One of our most important goals, is to support self-financing and reducing the debts relying on a strong asset base, financial and operational adequacy which increases the confidence of financiers, despite the local,regional and global economic conditions.

Our credibility stems from our strong and deep belief in transparency and disclosure, accountability, justice, fairness and social responsibility. Thus Al Tijaria was the first company in Kuwait, which has implemented the corporate governance policies and were leaders in this field. The company adopted the Corporate Governance guide and developed its implementation mechanisms and procedures to ensure proper implementation is in place, determine the responsibilities and authorities and regulate the relationship between each of the shareholders, board members, executive management and stakeholders of the company. Committees emanating from the Board of Directors have been created to monitor the implementation of those policies and standards, such as the Corporate Governance Committee, Supervisory Committee, the Risk and Audit Committee, the Nomination and Remuneration Committee in addition to al Sharia committee (external party). All these committees report directly to the Board of Directors.

At the Commercial Real Estate Company, we have developed concepts and principles that we always seek to achieve and are committed to them in the way we do things and proceed forward. These can be defined as the “5 T’s”.

• Team work: work as "one for all & all for one" together everyone archives more.
• Task: to know your tasks, you should know what, how and why?
• Trust: mutual trust within the company; will be reflected and conveyed smoothly to others.
• Time management: time is our most precious asset, we should invest it wisely.
• Transparency: Information is more valued when it's exchanged in open way without secrets.

In conclusion, based on the open-door policy adopted by the company, we invite you to provide us with your valuable suggestions which will help us in improving the company’s performance.

May Peace be upon you and Gods mercy and blessings,

As-salamu alaykum,

Abdulfatah M.R. Marafie

Chairman