ABK Financial Overview and Market Position

OPERATING PERFORMANCE Operating Income (KD million) & Cost to Income (%) Breakdown of Operating Income 48.1% 46.6% 49.0% 47.2% 172 154 142 48.5% 7% 8% 8% 12% 8% 18% 19% 19% 18% 19% 42 43 74% 73% 73% 74% 69% 2020 2021 2022 Q1 2022 Q1 2023 2020 2021 Other Income C/I Ratio (%) Operating Income (KD Mn) Net Fee and Commission Income Operating Profit / Average Assets (%) 1.6% 1.5% 1.5% 1.5% 1.4% Net Interest Income Return on Average Equity (%) 2022 Q1 2022 Q1 2023 6.1% 4.1% 5.0% 3.9% -13.9% 2020 2021 2022 Q1 2022 Q1 2023 2020 2021 2022 Q1 2022 Q1 2023 30

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