Arab Bank Digital Transformation and Growth Strategy

Performance Key Growth Opportunities Key Figures Arab Bank has a diversified business model across its lines of business and network Corporate & Institutional Banking Consumer Banking & Wealth Management Treasury 33% Of Total Income 42% Of Total Customer Deposits 31% Of Total Income 18% Of Total Income 58% Of Total Customer Deposits البنك العربي ARAB BANK Network Banking Digital Services Wealth Management & Private Banking P Reflect ريفلكت Transaction Banking 665 Total Income $mm +16% Public and Private Partnerships Cross border business & remittances Too K Affiliate/ ANB 17% Of Total Income Expand reach via Reflect neobank platform Increase earnings from Securities portfolios KSA economic diversification Capturing SME & Consumer Banking growth Strong deposit franchise Design and launch new products for Consumer and CIB customers பாப Total Income $mm Total Income $mm +35% 722 307 +34% 412 284 773 534 Total Income $mm +38% 392 Q3 2022 Q3 2023 Q3 2022 Q3 2023 Q3 2022 Q3 2023 Q3 2022 Q3 2023 11

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