Arab Bank Digital Transformation and Growth Strategy
Arab Bank delivered consistent and resilient Net Operating Income with a solid growth trajectory
Revenue
Net Interest Margin
Cost to Income Ratio
1,585
1,203
1,350
1,497
1,105
Q3-22 Q3-23
+28%
2,231
2,169
424
1,931
466
296
432
277
542
557
1,810
284
421
iiiiii
1,341
2019
2020
2021
2022
3.2%
2,526
3.0%
2,325
384
2.6%
2.7%
2.5%
392
2.4%
436
49%
47%
47%
46%
41%
40%
1,585
1,341 1,203 1,350
1,497
1,105
1,071 1,176
892
910
839
952
NII $mm
Non-Interest Income $mm
Associates $mm
2019 2020 2021
NII $mm
2022
Q3-22 Q3-23
2019
-Net Interest Margin
2020 2021 2022
Operating Expense $mm
Q3-22 Q3-23
CIR
Net Operating Income, $mm
Net Income, $mm
Return on Equity
9.3%
+42%
1,339
1,350
1,373
847
1,098
1,021
970
+55%
630
544
406
315
195
5.2%
5.3%
2.0% 3.0%
7.8%
2019
2020
2021
2022
Q3-22
Q3-23
2019
2020
2021
2022
Q3-22 Q3-23
2019
2020 2021 2022
Q3 22 Q3 23
البنك العربي
ARAB BANK
22
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