Group Strategy and Business Model

ASSETS Consolidated Statement of Financial Position Cash and balances with central banks Balances with banks and financial institutions Deposits with banks and financial institutions Financial assets at fair value through profit or loss Financial derivatives - positive fair value Direct credit facilities at amortized cost Financial assets at fair value through other comprehensive income Other financial assets at amortized cost Investment in associates Fixed assets Other assets Deferred tax assets Total Assets 2019 USD '000 2020 USD '000 SHAREHOLDERS' EQUITY Share capital 2019 USD '000 926 615 2020 USD '000 926 615 7 905 810 10 807 627 Share premium 4 258 593 4 601 165 Statutory reserve 313 556 288 165 Voluntary reserve 519 053 304 054 General reserve 54 212 91 510 General banking risks reserve 1 225 747 926 615 1 225 747 977 315 1 141 824 238 952 926 615 977 315 1 141 824 224 274 23 960 625 23 907 858 Reserves with associates 1 540 896 1 540 896 385 933 409 715 Foreign currency translation reserve (252 925) (160 209) 8 894 618 8 762 789 Investments revaluation reserve (298 403) (295 797) 3 513 651 3 804 212 Retained earnings 2 584 537 2 775 635 461 117 458 518 792 291 763 137 Total Equity Attributable to Shareholders of the Bank Non-controlling interests 9 011 173 9 282 915 91 278 155 385 214 933 Total Shareholders' Equity 51 214 844 54 413 683 Total Liabilities and Shareholders' Equity 9 102 451 51 214 844 105 848 9 388 763 54 413 683 LIABILITIES Banks' and financial institutions' deposits 3 761 895 3 974 226 Customers' deposits 33 154 995 36 235 138 Cash margin 3 082 753 2 483 253 Financial derivatives - negative fair value 75 887 170 956 Borrowed funds 332 936 609 791 Provision for income tax 345 054 275 406 Other provisions 226 521 230 069 Other liabilities 1 125 950 1 040 409 Deferred tax liabilities 6 402 5 672 Total Liabilities البنك العربي ARAB BANK 42 112 393 45 024 920 18

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