Investor Presentaiton

EVIDENT FINANCIAL RATIONALE A transformational transaction that brings significant benefits to all stakeholders 1 Scale position where assets >$120bn Combined assets of $121bn 2 Diversified funding base 77% Net Financing Receivables / Deposits Funding comprises 64% deposits 3 Prudently risk-managed portfolio NPF Ratio of 2.0% 300 Peers' Total Assets, $bn 272 244 187 166 121 120 110 ه انه الوهبيتي QNB FAB SNB Emirates NBD البنت الحسن الشجر ع الوطني connilin ahli united bank ADCB NBK بيت التمويل الكويتي Peers' Net Financing Receivables / Deposits 108 % 97% 93% 92% 88% 84% 77% 67% الوطني tra NBK *QNB Emirates NBD ADCB compliqu ahli united bank NR SNB FAB بيت التمويل الكوياي Peers' NPF Ratios 0.7% 1.0% 1.6% 2.0% 2.3% 4.0% 5.4 % 6.3% الوطني بنه الوهابي الأول Rajham NBK SNB ahli united bank QNB FAB ADCB Emirates NBD بيت التمويل الكوبان Peers' Cost / Income Ratios 34% 35% 35% 4 Improving efficiency profile 23 % 27% 27% Cost / Income Ratio of 35% 5 Strong return profile 6 Robust capital position Return on Average Tangible Equity of 13.8% CET1 Ratio of 13.7% CAR of 17.3% انه القبيات QNB FAB 35% 40% Rajk Emirates NBD SNB الوطني ADCB ahli united bank NBK + بيت التمويل الكويتي Peers' ROATE¹ 23.5% 16.6 % 15.1 % 13.8% 13.8% 12.8% 11.9% 11.4% ARAN BA QNB FAB ahli united bank SNB Emirates NBD NBKT الوطني بيت التمويل الكوبان مند لوادي الانصاري ADCB Peers' CET1 Ratio 16.6 % 16.5 % 15.1 % 14.2 % 13.7 % 13.3 % 12.9% 12.4% SNB A محرك البحر الوطني Emirates NBD QNB ahli united bank NBK ADCB بيت التمويل الكويام Source: FY2021 company financials, Central banks. Note: with preliminary illustrative acquisition impact. KWD, SAR, AED, QAR, BHD converted to USD per FX rate of 3.306, 0.267, 0.272, 0.275, 2.659 respectively, as at 31-Dec-2021. 1 Calculated for FY2021 as net income attributable to shareholders post costs related to Sukuk/Tier I Capital notes divided by average tangible equity attributable to shareholders (excluding Sukuk/Tier I Capital notes). بيت التمويل الكويتي Kuwait Finance House 27 الام الرقبي الأول FAB البنك الأهلى المسجد ahli united bank

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