Group Strategy and Business Model

Resilient performance despite challenging conditions Net Operating Income, USD mm Net Income, USD mm 1,339 1,270 1,197 1,120 1,008 533 533 821 847 ill Net Interest margin 3.0% 3.0% 2.8% 2.8% 195 2.6% 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 Return on Equity 6.5% 9.5% 9.3% 6.3% ... " .. Return on Assets 1.7% 1.7% 1.1% 1.1% Cost to Income Ratio 47.8% 41.9% 39.7% 40.4% 40.0% 0.4% 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 2016 2017 2018 2019 2020 البنك العربي ARAB BANK 12

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