Investor Presentaiton

ECL coverage Strong precautionary provision buffers built in 2022 have been maintained in 2023 Cost of Risk 0.64% FY 2022 0.40% YTD 2023 Coverage Ratios 19.1% 13.1% 0.7% 0.7% 50.6% 45.5% FY 2022 YTD 2023 88.8% 87.5% Stage 1 Stage 2 Stage 3 Stage 3 Including Collateral -¬¯¯||||&S-SX =||||C÷5¬TSY - SESS Licensed by CBB as a conventional Retail Bank. 06 NBB البحرين الوطني

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