Arab Bank Digital Transformation and Growth Strategy

Arab Bank Group Consolidated Statement of Income - Income Statement USD '000 Interest income Less: interest expense Net interest income Net commissions income Net interest and commissions income 2022 2,583,484 998,680 1,584,804 Q3 2022 1,794,648 689,825 1,104,823 Q3 2023 2,648,580 1,151,948 1,496,632 374,369 279,654 307,197 1,959,173 1,384,477 1,803,829 Revenue Foreign exchange differences 106,345 81,870 83,351 Gains from financial assets at fair value through profit or loss 1,182 912 1,520 Dividends on financial assets at fair value through other comprehensive income 8,251 7,568 8,293 Group's share of profits of associates 384,494 283,606 392,231 Other revenue 66,665 51,164 35,882 Expenses Total Income Employees' expenses Other expenses Depreciation and amortization Provision for impairment - ECL 2,526,110 1,809,597 2,325,106 663,569 476,567 526,566 415,310 292,208 341,574 84,751 62,464 64,051 473,006 341,042 429,000 Other provisions Impairment of Investment held for sale Total Expenses Profit for the year \ Period before Income Tax Less: Income tax expense Profit for the year \ period Profit Attributable to: 25,701 13,000 12,425 8,102 19,997 1,674,762 1,193,383 1,381,188 851,348 616,214 943,918 307,046 210,410 313,621 544,302 405,804 630,297 Bank's shareholders Non-controlling interests Total Earnings per share attributable to Bank's Shareholders - Basic and Diluted (US Dollars) 520,276 389,689 603,901 24,026 16,115 26,396 544,302 405,804 630,297 28 0.79 0.60 0.93

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