Arab Bank Group Financial Overview

Arab Bank is implementing a customer focused strategy by leveraging digital transformation Delivering a superior digital customer experience.. • Digital Channels - Arabi Mobile, Arabi Connect, Arabi Next • Digital Onboarding • E-payments • Eco-system • Online Marketplaces عربي كونكت البنك العربي Arabi Connect ARAB BANK Introducing new business models.. . · Became 2nd largest acquirer in Jordan Leveraged Merchant and Partner Ecosystem to provide special offers to customers including loyalty points instant redemptions and Buy-Now-Pay-Later at Point of Sale Launch dedicated SME mobile banking app to support that growing segment, fueled by expanding merchant network Launched Reflect neobank platform in Jordan and Palestine providing a branchless banking experience targeting mass segment and digital savvy customers Leveraging internal data to provide customer-centric insights, personal digital engagement and building Al-based recommendations for sales and risk mitigations Developed Omnify - Banking as a Service platform to offer embedded finance products P Reflect OMNIFY BaaS, Powered by Arab Bank Arabi Next ريفلكت البنك العربي ARAB BANK Digital Transformation Innovation Initiatives Customer Experience Information Technology Arabi@mart Shopi Arabi e-Mart and Arabi Shopix Online marketplaces Backed by a robust IT infrastructure and enablers.. • • Strong focus on Cybersecurity and Data Protection • Leverage robotics process automations and Al to automate IT operations • New MACH based design architecture; Microservice, APIs Established a wholly owned Fintech and IT development subsidiary - Acabes acabes البت الفريق Powered by LAB BANK And innovation initiatives.. AB iHub (Jordan and Egypt) - R&D AB iHub Centre to explore, educate and AB>¡Hub The Innovation Hive Powered by Arab Bank ABX ABVENTURES experiment with Startups & Intrapreneur program to implement digital staff ideas ― ABX an accelerator adapting and scaling Fintech solutions for Arab Bank AB Ventures Corporate VC fund focusing mainly on Fintech to augment Arab Bank access to global innovation 12

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