Earnings Report and Digital Strategy Update

Diversified low cost funding with no reliance on wholesale funding Government and Public Sector 7% Deposits by segment Consumer Banking 61% Deposits by type Certificates of deposit 2% Corporates 32% $38.7bn All data as at 31 Dec 2020 Solid capital adequacy Shareholders Equity to Assets Time and notice 43% $38.7bn Current, demand & cash margin 45% Savings 10% All data as at 31 Dec 2020 Low loan and deposit concentration Top 20 client concentration Loans 17.8% 17.5% 17.6% 17.2% 17.3% 16% 2016 2017 2018 2019 2020 البنك العربي ARAB BANK Deposits 10% All data as at 31 Dec 2020 14

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