ABK Financial and Strategic Overview

Overview of ABK's Business Segments Commercial Banking comprises a full range of credit, deposit and related banking services provided to its corporate and institutional customers FY 2018 10% الأهلي авк Breakdown by Operating Income 9M 2018 10% 2 9M 2019 7% 37% 34% 56% 34% 56% 56% KD 168.8 million KD 126.8 million KD 129.7 million Retail Banking comprises a full range of products and services to retail customers, including loans, credit cards, deposits and wealth management services Treasury & Investment Note: (1) (2) Breakdown by Assets 1,2 (KD million) 4,280 4,480 4,556 4,739 I 4,215 4,281 24% 23% 25% 24% 28% 29% 12% 13% 14% 14% 14% 15% provided to 64% 64% 61% 62% 57% 56% comprises treasury services customers and balance sheet management activities, including money market, derivatives, proprietary investment activities and the residual impact of inter-segment fund transfer pricing 2015 2016 2017 2018 ■Commercial banking ■Retail banking Sep-18 Treasury & Investments Sep-19 International results included under Commercial Banking, Retail Banking and Treasury & Investment based on segmental regrouping undertaken by the bank in 2017 Excludes unallocated assets for 2015, 2016, 2017, 2018, Sept 18 & Sept 19 respectively - KD 79 million, KD 70 million, KD 80 million, KD 79 million, KD 68 million, KD 71 million and KD 85 million 12

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