Investor Presentaiton

6 WELL CAPITALISED AND FUNDED, IDEALLY POSITIONING US TO BETTER PURSUE GROWTH Significant Pro Forma Capital Position (As At 31-Dec-2021) Strong And Diverse Funding Base (As At 31-Dec-2021) CET1 Ratio 13.3% 15.2% 13.7% $10.7bn $6.7bn $4.5bn CAR Ratio 17.0% 18.7% 17.3% $13.5bn $8.3bn $5.8bn البنك الأهلى المسجد ahli united bank Strategic Opportunities بيت التمويل الكويتي Kuwait Finance House Kuwait Finance House Sa+ الملك الأهلى المسجد ahli united bank بيت التمويل الكويتي Kuwait Finance House Other Liabilities 5% Equity 17% البنك الاهان المتعد ahli united bank Interbank 14% Deposits 64% Total Liabilities & Equity: $121bn Drive growth in core regions and products Better serve Kuwaiti corporates with international ambitions Support international companies operating in Kuwait ▪ Leverage technology to enhance customer experience ■ Invest in distribution capabilities ■ Drive wealth management cross-sell Additional cross-sell delivered through better consumer client segmentation البنك الأهلي المتحد بيت التمويل الكويتي Source: Company financials, Central bank of Kuwait. Note: with preliminary illustrative acquisition impact. KWD converted to USD per FX rate of 3.306 as at 31-Dec-2021. 15 Kuwait Finance House ahli united bank

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