Investor Presentaiton

5 SIGNIFICANT OPERATIONAL EFFICIENCIES Substantial Cost Saving Opportunities Branch footprint and ATM optimisation based on geographic overlap IT systems integration Branch, HQ and central functions consolidation Cost benefits to be realised over 3 years Focused on overlapping geographies in Kuwait and Bahrain Source: Company filings, McKinsey analysis. Cost Benefits Represents 10-12% of Combined Cost Base + Potential for revenue synergies 14 14 ahli united bank البنك الأهلى المسجد بيت التمويل الكويتي Kuwait Finance House

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