Investor Presentaiton

Balance sheet metrics Capital and liquidity positioned for growth Dominant industry metrics, and historically low NPL NPL and Capital Dec 2021 Dec 2022 14.0% 12.5% 4.0% 3.8% 22.1% 23.6% NPL Ratio 12.5% represents the minimum CBB CAR requirement CAR 14.0% represents the minimum CBB CAR requirement for banks designated as DSIBS الوطنى ♦EGGSE E SG CBSE 10 O 205 G E SOSE°5% NBB 100% Liquidity 398.3% 308.0% Average Daily LCR Dec 2021 Dec 2022 139.0% 135.7% 100% represents the minimum CBB LCR and NSFR requirement SG SCH SS NSFR S 5. E SOES INVESTORS IN PEOPLE We invest in people Gold %

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