Annual Report 2022 - The Beginning of a Journey of Transformation

OPERATING PERFORMANCE Operating Income (KD million) & Cost to Income (%) Breakdown of Operating Income 48.1% 46.6% 47.2% 46.1% 48.0% 7% 8% 8% 11% 7% 18% 19% 19% 19% 18% 172 154 142 135 137 74% 73% 73% 71% 74% 2020 2021 C/I Ratio (%) 2022 | YTD 2022 L- YTD 2023 I 2020 2021 Other Income Operating Income (KD Mn) Net Fee and Commission Income Net Interest Income Operating Profit / Average Assets (%) 1.7% 1.6% 1.5% 1.5% 1.5% Return on Average Equity (%) 2022 I YTD 2022 YTD 2023 5.0% 5.4% 6.2% 4.1% -13.9% 2020 2021 2022 YTD 2022 2020 2021 2022 YTD 2022 YTD 2023 YTD 2023 30

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