Investor Presentaiton

SHAREHOLDER VALUE CREATION Creating a Stronger and More Diversified Banking Franchise Significant Synergy Potential Broader customer base and stronger market position in Kuwait and Bahrain Diverse geographic footprint and product offering accessible to customers • Complementary businesses positioned to capture opportunities arising from existing relationships • Larger balance sheet and capital base to pursue growth and bigger scale lending opportunities • Anticipated annual run-rate cost synergies in the range of 10-12% of combined cost base expected from: - Optimisation of systems, distribution, infrastructure and real estate - Improved supplier negotiating positions Rationalisation of operations and branches over time Synergies are expected to be realised over 3 years post completion Compelling Shareholder Value Creation Potential ✓ EPS accretive to KFH shareholders with and without synergies ✓ Value creation potential driven by significant synergy potential Larger and more diversified bank able to pursue significant growth opportunities 60 ahli united bank البنك الأهلى المسجد بيت التمويل الكويتي Kuwait Finance House

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