ABK Financial and Strategic Overview slide image

ABK Financial and Strategic Overview

International operations The Group's International operations encompass the operations of its UAE branches and its ABK Egypt subsidiary contributing 22% of Operating income and 20% of assets • Al Ahli Bank of Kuwait - UAE First Kuwaiti bank in the UAE and currently has three branches, located in Dubai, Abu Dhabi and DIFC, respectively Operating for over 40 years in Dubai where its branch was originally opened to support the needs of Kuwaiti businesses in Dubai Abu Dhabi branch opened in 2009, since then the Group has expanded its UAE activities to provide retail deposit taking services to customers in the UAE, as well as a range of financing and treasury solutions to corporate customers DIFC Branch opened in April 2018 الأهلي авк 2 Operating Income¹ (KD million) 37 39 22 35 32 28 15 Al Ahli Bank of Kuwait - Egypt • Acquired Piraeus Bank Egypt in November 2015, since renamed Al Ahli Bank of Kuwait - Egypt 2015 2016 2017 2018 9M 2018 9M 2019 • Provides revenue and asset diversification and an opportunity to leverage economic links between Kuwait and Egypt Total Assets¹ (KD million) • Higher margins and growth rate potential in Egypt vis-à-vis Kuwait • • 42 Branches and 108 ATMS spread across major cities in Egypt as of 30 September 2019 Over 172,000 retail customers as of 30th September 2019 • Retail Banking accounts for 38% of total deposits and 31% of total loans as of 30th September 2019 • Corporate Banking accounts for 62% of total deposits and 69% of total loans as of 30th September 2019 1,013 1,047 835 875 909 958 • Assets attributable to ABK Egypt constituted 13.2% of the Group's total assets as of 30th September 2019 2015 2016 2017 2018 Sep-18 Sep-19 Note: (1) International results included under Commercial Banking, Retail Banking and Treasury & Investment based on segmental regrouping undertaken by the bank in 2017 15
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