Annual Report 2022 - The Beginning of a Journey of Transformation

COMMERCIAL & RETAIL BANKING . Commercial Banking Corporate Banking Split into 2 divisions (Corporate Banking & Structured Finance), 10 specialized business units Offering a wide & broad spectrum of financial products and services to local & international entities in various sectors International Banking Operating Income (KD million) 143 124 126 127 110 57% 53% 57% 57% 58% 43% Operations from the Group's Head Office in Kuwait is responsible for the Bank's relationship with major international 43% 43% banks and correspondent banks around the world, including the Nostro and Vostro accounts for and within the Group 47% 42% • The international banking division manages the Group's institutional and multi-national corporate loan portfolio through relationship managers Retail Banking Offers its customers with best-in-class & secure retail products and services through its integrated distribution network, comprising 29 branches and a direct sales force, as well as simple, secure and accessible digital banking solutions. 2020 2021 2022 I YTD 2022 YTD 2023 Commercial Banking Retail Banking Segment Assets (KD million) 4,418 3,323 3,610 4,430 3,999 83% 82% 79% 78% Key Stats - Kuwait 77% . 29 branches - Including a fully digitized branch, 148 ATMs & 2 ITMs (interactive teller machines) as of Sep-23 Key Stats - Egypt 45 branches and 110 ATMs across major cities as of Sep-23 23% 22% 17% 21% 18% 2020 2021 2022 YTD 2022 YTD 2023 22 Commercial Banking Retail Banking

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