ABK Strategic Overview and Financial Performance

Balance Sheet Based on consolidated IFRS financials الأهلي авк 2 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 (KD, 000) CAGR (%) Assets Cash and balances with banks 144,825 432,173 494,678 495,519 702,233 883,129 43.56% Kuwait Government treasury bonds 279,831 204,246 223,142 344,590 257,161 173,235 -9.15% Central Bank of Kuwait bonds 221,228 179,713 173,715 125,595 127,646 136,621 -9.19% Loans and advances 2,422,297 3,047,143 3,029,384 3,075,065 3,025,992 3,215,696 5.83% Investment securities Investment in an associate Premises and equipment Intangible assets Other assets 345,011 343,809 237,905 182,545 289,917 302,165 -2.62% 14,865 16,572 18,263 19,556 21,896 23,830 9.90% 33,826 53,125 46,695 53,675 55,710 65,615 14.17% 41,217 17,698 17,294 16,865 18,340 n.m* 37,156 41,066 43,333 47,887 51,008 64,464 11.65% 3,499,039 4,359,064 4,284,813 4,361,726 4,548,428 4,883,095 6.89% Total assets Liabilities and shareholders' equity Liabilities Due to banks and other financial institutions 923,752 1,199,192 734,771 596,444 501,134 600,057 -8.27% Customers' deposits 1,938,297 2,496,278 2,899,908 Medium-term borrowing 2,939,349 149,712 3,114,504 3,319,771 11.36% 150,612 151,230 Other liabilities 78,642 107,135 Total liabilities Share capital 2,940,691 3,802,605 94,331 3,729,010 103,482 105,813 121,076 9.01% 3,788,987 3,872,063 4,192,134 7.35% Shareholders' equity 161,917 161,917 161,917 161,917 161,917 161,917 0.00% Share premium 108,897 108,897 108,897 108,897 108,897 108,897 0.00% Treasury shares (2,303) (4,528) (4,958) (5,053) (5,053) (5,135) 17.39% Reserves 289,837 289,314 289,301 306,249 319,042 333,435 2.84% Equity attributable to shareholders of the Bank 558,348 555,600 555,157 572,010 584,803 599,114 1.42% Perpetual Tier 1 Capital Securities 90,750 90,750 Non-controlling interests Total equity 558,348 Total liabilities and shareholders' equity 3,499,039 859 556,459 4,359,064 646 555,803 4,284,813 729 572,739 4,361,726 812 1,097 676,365 4,548,428 690,961 4,883,095 4.35% 6.89% *Not measurable 22

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