Arab Bank Group Financial Overview

As well as robust and established risk management practices with strong core capital Cost of risk and ECL Provision 2.5% NPL & coverage ratio 111% 135% 140% 122% 1.6% 1.6% 1.3% 658 592 560 473 6.3% 6.0% 6.0% 6.8% 2.1 2.1 2.2 1.8 2020 2021 Asset density¹ ECL Provision, $mm 54 5.4 66% 36 64 2022 2023 2020 Cost of Risk 68% 66% 43 33 64 - 43 43 68 65% 2020 2021 2022 2023 Assets, $bn RWA, $bn -Asset Density البنك العربي ARAB BANK Capital adequacy 16.8% 2021 2022 2023 NPL, $bn NPL % Coverage % 17.5% 20.0% 16.5% 16.6% 0.0% 0.6% 0.5% 1.1% 45 15.6% 15.0% 15.1% 15.1% 1.2% 0.9% 1.0% 1.3% 2020 2021 2022 2023 CET 1% AT1% T2% CAR 1. Asset Density = RWA / Assets. Arab Bank Group figures as of Dec 31, 2023 25

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