ABK Financial Overview and Market Position

COMMERCIAL & RETAIL BANKING Commercial Banking Corporate Banking . Split into 8 specialized business units, each with a broad product range for corporate clients Services range from traditional working capital finance to complex structured financial products for large projects and multinational companies International Banking Operating Income (KD million) 124 126 143 57% 57% 57% 40 33 Operations from the Group's Head Office in Kuwait is responsible for the Bank's relationship with major international banks and correspondent banks around the world, including 43% 43% 43% 53% 59% 41% 47% the Nostro and Vostro accounts for and within the Group 2020 2021 2022 Q1 2022 Q1 2023 Commercial Banking Retail Banking • The international banking division manages the Group's institutional and multi-national corporate loan portfolio through relationship managers Retail Banking Target additional growth through enhanced digital offerings & continued focus on simplicity Segment Assets (KD million) 4,418 3,323 3,610 • Co-branding arrangement with Emirates Airlines in place for its credit and prepaid cards as well as the first bank in Kuwait to offer a single multi-currency card Key Stats - Kuwait 4,436 3,849 83% 83% 79% 78% 77% • 29 branches, 147 ATMs & 3 ITMs (interactive teller machines) as of March-23 Key Stats - Egypt 23% 22% 17% 21% 17% • 44 branches and 109 ATMs across major cities as of March-23 2020 2021 2022 Q1 2022 Q1 2023 Commercial Banking Retail Banking 22 222

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