Earnings Report and Digital Strategy Update

Consolidated Statement of Income REVENUE Interest income Less: interest expense Net interest income Net commissions income Net interest and commissions income Foreign exchange differences Gains from financial assets at fair value through profit or loss Dividends on financial assets at fair value through other comprehensive income Group's share of profits of associates Other revenue Total Income EXPENSES Employees' expenses Other expenses Depreciation and amortization Provision for impairment - ECL Other provisions Total Expenses Profit for the year before Income Tax Less: Income tax expense Profit for the Year Attributable to: 2019 USD '000 2 020 USD '000 2 430 077 1088 786 1 341 291 291 305 1 632 596 112 915 7 053 6 964 424 019 47 283 2 068 368 865 306 1 203 062 270 398 1473 460 100 624 3 580 5 710 2 230 830 296 365 51 296 1931 035 499 542 509 633 299 623 327 420 61 806 63 350 187 971 31 086 1 080 028 658 330 22 221 1 580 954 1 150 802 350 081 304 254 154 797 846 548 195 284 Bank's shareholders Non-controlling interests Total Earnings per share attributable to Banks' Shareholders - Basic and Diluted (US Dollars) 844 937 192 791 1611 846 548 1.32 2 493 195 284 0.30 البنك العربي ARAB BANK 19

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