ABK Financial Overview and Market Position

OVERVIEW OF ABK'S BUSINESS SEGEMENTS Breakdown by Operating Income S (S $ Commercial Banking A holistic range of credit and deposit services provided to corporate and institutional customers 13% 18% 32% 36% 43% 2020 50% 47% 48% 2021 2022 Q1 2022 47% Q1 2023 50% 37% 35% 16% 21% 7% KD 141.5 million KD 153.9 million KD 171.6 million KD 41.6 million KD 43.2 million ●Retail Banking Full set of retail banking products and services including loans, credit cards, deposits, and wealth management Treasury & Investment Breakdown by Assets (KD million) 6,293 5,933 5,517 12% 5,703 13% 14% 4,748 14% 30% 15% 25% 32% 35% Treasury services provided to customers and balance sheet management activities, including money market, derivatives and proprietary investment activities 30% 58% 62% 54% 55% 51% 2020 Retail Treasury 2021 2022 Q1 2022 Q1 2023 Commercial Banking 21

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