SGBJ - The Acquisition

Strong Capital Base 16.31% 14.5% 2020 Capital Adequacy Walkthrough RWA Movement 14.86% 0.6% 14.43% 0.6% 13.2% 13.1% CBJ minimum 14.125% 4.9% 11.9% 9.7% 16.5% Basel minimum 12% Primary Capital 2021 ■Capital Adequacy 2022 By December 2022, Capital Ratios remain above the minimum regulatory requirements; CAR ratio is at 14.43% against Basel and Central Bank of Jordan's requirement of 12% and 14.125% respectively. 87.5% 89.7% 78.6% 2020 2021 2022 Credit RWA Operational RWA Market RWA Consolidated USD thousands Tier 1 Capital Tier 2 Capital Total Regulatory Capital 2020 374,571 45,525 420,096 Total RWAs Capital Adequacy 16.31% 14.86% 2021 2022 442,396 723,724 57,817 74,785 500,213 798,509 2,575,896 3,366,030 5,531,977 14.43% 16

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