Investor Presentaiton

7 EARNINGS ACCRETIVE TO KFH SHAREHOLDERS ILLUSTRATIVE EPS & DPS ACCRETION BASED ON 2021 PRO FORMA FINANCIALS Metric Pre and Post Acquisition USD4 KWD Illustrative EPS and DPS Accretion Based on 2021 Pro Forma Calculations³ Post-Acquisition³ Pre-Acquisition 2021 Net Income (m) 793 239 Number of Shares Outstanding (m) 1 9,207 9,207 Shareholding % 2021 EPS (cents / fils) 100% 100% Including Run-rate Synergies 8.6 8.6 26 EPS (cents) 35.2% 11.7 3.6 DPS (cents)5 35.2% 4.9 KFH Pro Forma KFH Pro Forma 2021 Pro Forma Net Income (m)² 1,381 417 2021 Pro Forma Net Income Incl. Total Synergies (m) 1,555 469 Pro Forma Combined Number of Shares Outstanding 13,344 13,344 8.6 Pro Forma Shareholding % 69% 69% Excluding Run-rate Synergies 2021 Pro Forma EPS Incl. Total Synergies (cents / fils) 11.7 35 2021 Pro Forma EPS Excl. Synergies (cents / fils) 10.4 31 20.1% 10.4 3.6 20.1% 4.3 KFH Pro Forma KFH Pro Forma Transaction accretive to earnings per share for KFH's shareholders including and excluding the impact of synergies Note: As at 31-Mar-2022. 2 Net of Tier 1 securities costs and Zakat. 3 Including net income from AUB Kuwait minorities intended to be acquired post completion. 4 At KWD:USD exchange rate of 3.314 based on average daily exchange rate in 2021. 5 Pro forma cash dividends calculated assuming a pay-out ratio of 42% based on KFH's 2021 cash pay-out ratio. 16 البنك الأهلى المسجد بيت التمويل الكويتي Kuwait Finance House ahli united bank

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