Group Strategy and Business Model

Strong financial position, resilient performance and value investment Assets Loans $54bn ▲ 6.2% $27bn ▲ 1.4% Deposits $39bn ▲ 6.8% LTD Net Op. Income Net Income 68% $1,008mm $195mm -25% -77% Equity $9.4bn ▲ 3.1 % ROE 2.1% 3.7% pretax Market Cap. $3.7bn NPL Cov. Ratio 111% C/I ratio All data as at 31 Dec 2020 البنك العربي ARAB BANK CAR 47.8% 16.8% Tier 1 ratio 15.6% 5

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