ABK Financial and Strategic Overview

Loans portfolio, Funding and Liquidity Loan Growth (KD million) 7.8% 7.3% 6.5% 7.1% 6.5% 6.8% 5.9% CAGR 5.6% FY 2017 الأهلي авк Gross Maximum Exposure by Credit Risk¹ (as at 31 December 2018) FY 2018 14.6% 16.0% 20.7% 22.1% 8.8% 13.0% 22.5% 22.1% 10.9% 609 666 509 536 587 627 363 2,538 2,493 2,488 2,399 2,758 2,739 13.1% 2,059 2.10% ◆ 2.45% 2.55% 2.28% 1.98% 1.67% 1.78% 2014 2015 2016 2017 2018 Sep-18 Sep-19 Corporate and Banks ◆ Non Performing Loans Ratio Funding Profile (KD million) ■Retail ■Provision for credit losses 18.2% 18.0% ■ Personal ■Construction and real estate ■Trading and manufacturing ■ Government and related entities ■Banks and financial institutions ■ Others Maturity Profile for Liabilities 4,443 4,520 4,699 FY 2017 FY 2018 4,251 4,190 4,258 674 676 667 3,420 556 555 572 152 150 151 150 558 735 1,199 596 501 562 635 24% 28% 23% 31% 924 2,496 2,900 2,939 3,115 3,141 3,238 1,938 2014 2015 Customer Deposits 2016 2017 2018 Sep-18 Sep-19 Due to banks and other financial institutions Medium term notes Equity 2 48% Less than one month One month to one year Over one year Note: (1) (2) Gross Maximum Exposure includes Loans and advances, Inter bank placement, Investments and Un-funded exposures Attributable to shareholders of the Bank excluding non-controlling interests and includes Perpetual Tier 1 capital securities of KD 91m issued in Sep 18 46% 17

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