ABK Financial and Strategic Overview

Commercial & Retail Banking Commercial Banking Corporate Banking: • • Split into 8 specialized business units, each with a broad product range for corporate clients Services range from traditional working capital finance to complex structured financial products for large projects and multinational companies International Banking: Operates from the Group's head office in Kuwait is responsible for the Group's relationship with major international banks and correspondent banks around the world, including the Nostro and Vostro accounts for and within the Group The international banking division manages the Group's institutional and multi- national corporate loan portfolio through relationship managers Retail Banking الأهلي авк 2 Operating Income¹ (KD million) Commercial banking Retail banking 153 146 144 121 116 114 34% 37% 39% 30% 38% 40% 70% 66% 62% 60% 63% 61% 2015 2016 2017 2018 9M 2018 9M 2019 • Target additional growth through acquisition of retail portfolios Segment Assets¹ (KD million) • Co-branding arrangement with Emirates Airlines in place for its credit and prepaid cards as well as the first bank in Kuwait to offer a single multi-currency card Commercial banking Retail banking Key Stats - Kuwait • 31 branches and 160 ATMs as of 30th September 2019 3,235 3,247 3,193 3,206 3,269 3,343 • 175,207 active cards in circulation with a total spend of KD 922mn in 2018 16% 17% 19% 21% 20% 20% • 92,618 registered SMS and mobile application banking customers 221,242 transaction executed for such subscribers during 2019 • 2,994,168 telebanking calls in 2019 • 36-member direct sales force in Kuwait 84% 83% 81% 79% 80% 80% Key Stats - Egypt • 42 branches and 108 ATMs across major cities as of 30th September 2019 2015 2016 2017 2018 Sep-18 Sep-19 Note: (1) International results included under Commercial Banking, Retail Banking and Treasury & Investment based on segmental regrouping undertaken by the bank in 2017 13

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