ESG Invest by Sustainability Excellence

ECL coverage Cost of Risk 0.64% FY 2022 0.34% 1HY 2023 Strong precautionary provision buffers built in 2022 have been maintained in 2023 Coverage Ratios 14.6% 13.1% 0.7% 0.7% 50.6% 43.8% Dec 2022 Jun 2023 89.4% 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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