Group Strategy and Business Model

Digital strategy and innovation initiatives are catalysts for growth Technology Digital Transformation • Customer Investments in upgrading IT architecture Infrastructure as a Service: Information adopting Cloud on premises and external API-based Platform ecosystem Data as a Service: big data platform and global metadata libraries Leverage Robotics Process Automations and Al to automate IT operations Global IT Operations 24x7 Strong focus on Cybersecurity and Data Protection ArabiConnect Experience Innovation Financial Services Digital Strategy • Customer centric design - frictionless digital customer journey Personalized products and services Digital beyond banking with digital partners integrated in AB product offering • Merchant partnership ecosystem at POS and eCommerce checkout Enablers: • API/ Open banking . Advanced analytics and Al • Blockchain Smart Branches Kiosks Arabi Mobile عربي موبايل Arabi Mobicash Arabi Pay P Arabi MobiCash البناء الفريق Innovation initiatives . AB iHub - R&D centre to explore, educate and experiment with Startups. Intrapreneur program to implement digital staff ideas AB Accelerator - adapting and scaling Fintech solutions for Arab Bank ABVentures - $30mm Corporate VC fund focusing mainly on Fintech to augment AB access to global innovation Acabes Fintech company Marketplace Arabie mart 11

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