ABK Financial Overview and Market Position

LOANS PORTFOLIO, FUNDING, AND LIQUIDITY Loan Portfolio (KD million) 4,039 4,019 3,602 3,387 3,117 Gross Maximum Exposure by Credit Risk 16% 17% 17% 20% 17% 15% Others 7.8% 7.4% 7.6% 7.7% 7.5% Provision of credit losses 1.57% 1.43% 1.55% 1.48% 1.45% Personal 20% 23% 25% Government and related entities Construction and real estate Banks and other institution Non performing loans ratio. Trading and Manufacturing 2020 2021 2022 Q1 2022 Q1 2023 I I 18% 15% 15% 13% 17% 17% 13% 11% 11% 2020 2021 2022 Funding Profile (KD million) Maturity Profile for Liabilities 6,271 5,890 5,490 596 5,672 301 578 614 4,715 610 302 201 953 201 591 793 883 31% Equity 766 33% 151 38% 487 Medium Terms Notes FY 2020 FY 2021 Due to Bank & Other Financial Insituation Customer Deposit 4,421 | 3,913 4,064 4,127 3,486 36% 32% 21% 30% 38% FY 2022 2020 2021 2022 Q1 2022 Q1 2023 | less then one month one month to one year over one year 44% 27 22

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