Investor Presentaiton

Operating Income² 4 ENHANCED SCALE AND DEEP RELATIONSHIPS ACROSS CORPORATE AND RETAIL CUSTOMERS AUB's mainly corporate business mix complements KFH's orientation towards retail Segment Assets¹ بيت التمويل الكويتي Kuwait Finance House Treasury & Investments 42% Retail & Private Banking 32% Corporate Banking 26% Treasury & Investments 24% Retail & Private Banking 44% Corporate Banking 32% + + البنك الاهلى المسجد ahli united bank Other 4% Retail & Private Treasury & Investments 41% Banking 14% Corporate Banking 41% Treasury & Investments 39% Retail & Private Banking 25% Corporate Banking 36% = = Pro Forma Other 1% Retail & Treasury & Investments 42% Private Banking 26% Corporate Banking 31% Treasury & Investments 29% Retail & Private Banking 38% Corporate Banking 33% Source: FY2021 company financials, Central banks. Note: with preliminary illustrative acquisition impact. 1 KWD converted to USD per FX rate of 3.306 as of 31-Dec-2021. 2 KWD converted to USD per average FX rate of 3.314 for FY2021. البنك الأهلى المسجد بيت التمويل الكويتي Kuwait Finance House ahli united bank 13

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