Corporate Social Responsibility Policy:

1. Introduction
Bank of Sharjah is socially committed, having contributed significantly to the
socio-economic development of Sharjah and the wider United Arab Emirates.
Bank of Sharjah (hereinafter referred to as 'the Bank') is fully aligned with
the vision of the Bank’s founder and Honarary Chairman, His Highness the
Ruler Dr. Sheikh Sultan Bin Mohammed Al Qasimi, to establish a financial
institution that would cope with the planned development of Sharjah and the
UAE. Bank of Sharjah is an institution that is motivated by its social
responsibility to our community.

2. Background
The Bank is committed to responsible business practices to its employees, its
customers and its community. Our commitment to society is deeply rooted in
our values, and forms an integral part of our strategy. The Bank's drive for
sustainable development complements its core strategy of partnering with
businesses to contribute to their growth.
The Bank aspires to maintain its long-standing reputation, through its current
strategies and the primary focus on the interest of its stakeholders remains a
key focus.
The Bank believes passionately in the promotion of socio-economic
development of the local community, welfare of its employees, the
satisfaction of its customers and the protection of its local environment. The
Bank has always been focused on responsible business practice and the
development of the Bank's Corporate Social Responsibility policy is a step
forward in documenting the Bank's historic on-going strategies.

3. Commitment to Social Responsibility

The Bank's core values are: Performance, Ethics, Transparency, Initiative,
Commitment, and Quality. These values are imprinted in the way the bank
does its business and how it contributes to society and the environment. The
mission of Bank of Sharjah is to achieve strong and sustainable Performance
for its shareholders. The Bank is committed to its personnel, clientele and
community to accompany them in realizing their aspirations and objectives.
In the conduct of its business activities, Bank of Sharjah fulfills its social
responsibilities by contributing to the sustainable development of society as
a whole through offering higher added value to customers; shareholders and
the market; the environment and society; and employees. Bank of Sharjah
constantly strives to create a balance between creating value for the Bank
and for society.

4. CSR Policy - Objectives

Bank of Sharjah's policy:
 direct its CSR policy and related initiatives towards, among other
things, achieving one or more of the following - enhancing our environment
and promoting sustainable growth, promoting education, providing
healthcare to the needy sections of our community, contributing to creation
of livelihoods for people, preserving and promoting a healthy way of life;
 develop the necessary capability and self-reliance of beneficiaries of
our CSR initiatives, in the belief that these are prerequisites for socio-
economic development; 
 enhance employability and generate livelihoods for persons from less
privileged sections of society;
 carry out CSR initiatives in local areas so as to fulfil commitments
arising from governmental projects or programmes;
The world today is a witness to several mega trends which have significant
impact on the continuing interaction between individuals, businesses and
societies. These mega trends underpin some recent historic agreements
such as the United Nation's Sustainable Development Goals (SDGs) and the
Paris Agreement. Bank of Sharjah believes that by prioritizing and taking
action on these issues the Bank can drive social impact and economic
growth.

Climate change:
In response to changes in the global climate, the Paris Agreement on climate
change enacted measures that seek to limit the warming of Earth's
temperature by no more than 2 degrees Centigrade.
Bank of Sharjah is committed to reducing its own environmental footprint.

Digital inclusion
7.2 billion mobile cellular subscriptions now exist worldwide (source: World
Bank report). Using mobile technology the Bank can provide access to
essential financial services to the larger population.
Bank of Sharjah has an active and growing mobile banking platform that is
already the preferred medium of interaction chosen by a growing number of
the Bank's customers.

Changing customer expectations

The customers of today increasingly expect businesses to play a proactive
role in solving our world's most pressing challenges.
Bank of Sharjah is empowered to address the issues facing our business,
society and the world by the trust of our employees, customers, shareholders
and communities.

Investing in the community, especially in the youth.

There are 1.8 billion young people in the world today, and many of them
don't have clear opportunities to advance.
Bank of Sharjah invests in the health, well-being and education in the
community through a series of strategic community investments.
5. Emiratization
Bank of Sharjah is fully committed to support the implementation of the new
Emiratization strategy launched by Central Bank of the UAE in 2017. The
Bank has a clear plan and an execution roadmap to achieve the allocated
target. The main pillars of the plan, include growing the existing talent pool,
hiring experienced managers and staff, developing focused training curricula
for employees, introducing various initiatives to help Emiratis with special
needs succeed in the office environment, creating opportunities to work from
distance, sponsoring education and increasing level of engagement and
satisfaction of the employees.

The Bank is also passionate about training and the development of education
for UAE Nationals and supports various endeavours in this regard.

6. Environment
It is critical for businesses to act responsibly with respect to the environment
and take measures for reducing their environmental footprint. Bank of
Sharjah realizes that the long-term health of our business is directly
connected to improving and preserving our environment, and pursuing goals
of sustainable development.

It is the Bank's view that no matter how small, every environmental initiative
can make a difference. The Bank has taken initiatives for reducing the use of
paper and promoting paper recycling. The bank has enhanced the electronic
services offered to customers, in order to promote the use of e-statements.
This seemingly small step significantly reduces the amount of paper used
annually.

The Bank also has an agreement with "Bee'ah", a leading company in

Sharjah which is committed to environmental change in the United Arab
Emirates. "Bee'ah" is committed to providing the best Waste Management
Solutions for having a cleaner, healthier and sustainableenvironment. The
services provided by "Bee'ah" are not limited to Waste Management; it also
provides a wide range of solutions in fields such as Renewable Energy,
Environmental Management, Environmental Consulting, Public Cleansing and
Sustainability. As part of the agreement with "Bee'ah", Bank's recyclable
items such as used papers and plastics are collected for recycling.

7. Commitment to the community

Philanthropy has always been at the heart of Bank of Sharjah since inception.
Supporting those in need within our community and beyond has always been
a clear objective. Our Corporate Social Responsibility programmes often go
far beyond what we report; being socially responsible and focusing on our
local community is part of the Bank's culture.
Bank of Sharjah supports various charitable organizations and local
community groups; including organizations which advocate for
environmental responsibility and public health, among others, through
sponsorship, donations or contributions. The Bank supports a range of
institutions and local community groups including health initiatives such as
the Pink Caravan, educational institutions such as the American University of
Sharjah and a range of organizations focused on caring for children with
special needs such as Sharjah City for Humanitarian Services.

Bank of Sharjah supports various educational, cultural, sporting and

community events. The Bank is also passionate about training and the
development of education for UAE Nationals and supports various
endeavours in this regard.