Arab Bank Digital Transformation and Growth Strategy

And a diverse and stable customer deposit base with a prudent loan-to-deposit ratio Liabilities breakdown Other 5% Banks and financial institutions deposits 7% $55.7bn Deposits by segment Government and Public Sector 10% Customer deposits 88% Corporate 32% $49.0bn Consumer Banking, 58% البنك العربي ARAB BANK Arab Bank Group figures as of Sep 30, 2023 Gross loans to deposits, $bn 72% 73% 74% 74% 68% 36 36 39 35 26 35 26 26 47 35 55 ထု 48 49 49 36 2019 2020 2021 2022 Q3-23 Loans Deposits ―LTD (%) Deposits by type Time and Notice 46% Savings 11% $49.0bn Cash Margin 5% Current & Demand 37% Certificates of Deposit 1% 24 24

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