ABK Strategic Overview and Financial Performance

Overview of ABK's Business Segments Commercial Banking Retail Banking Treasury & Investment comprises a full range of credit, deposit and related banking services provided to its corporate and institutional customers comprises a full range of products and services to retail customers, including loans, credit cards, deposits and wealth management services الأهلي авк Breakdown by Operating Income FY 2018 9% FY 2019 7% 36% 55% 37% 56% KD 168.8 million KD 172.5 million Breakdown by Assets 1,2 (KD million) 4,795 4,477 4,280 4,215 4,281 29% 24% 23% 25% 29% 12% 13% 14% 15% 15% provided to 64% 64% 61% 56% 56% comprises treasury services customers and balance sheet management activities, including money market, derivatives, proprietary investment activities and the residual impact of inter-segment fund transfer pricing 2 2015 2016 2017 2018 2019 ■Commercial banking ■Retail banking Treasury & Investments Note: (1) (2) International results included under Commercial Banking, Retail Banking and Treasury & Investment based on segmental regrouping undertaken by the bank in 2017 Excludes unallocated assets for 2015, 2016, 2017, 2018 & 2019 respectively - KD 79 million, KD 70 million, KD 80 million, KD 71 million & KD 88 million respectively 12

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