Investor Presentaiton

FINANCIAL AND OPERATIONAL METRICS Metrics (USD and FY2021) Net Income, $m Total Assets, $m البنك الأهلى المسجد بيت التمويل الكويتي Kuwait Finance House 793 Pro Forma6 ahli united bank 588¹ 1,381¹ 121,066 72,027 41,913 Net Financing, $m 37,538 22,075 59,614 Total Deposits, $m 52,453 25,204 77,657 Net Income² / Total Assets 1.1% 1.4% 1.1% Net Financing / Deposits 72% 88% 77% CET1 Ratio CAR Ratio 15.2% 13.3% 13.7% 18.7% 17.0% 17.3% Cost / Income Ratio 38.0% 29.5% 35.5% Return on Average Tangible 12.6% 15.1% Equity³ 13.8% Branches 526 157 683 Staff Liquidity Banking Assets/ Tangible Banking Assets c. 13,000 26.1% 3,294 18.5% Note: Financial and Operational Metrics as per FY2021 company financials. KWD:USD FX rate of 3.306 as at 31-Dec-2021 used for balance sheet metrics and 3.314 as at 2021 average used for P&L metrics. 1 Including net income from AUB Kuwait minorities intended to be acquired post completion. 2 Net income post Sukuk costs, for AUB and Pro Forma includes net income from AUB Kuwait minorities intended to be acquired post completion. ³ Calculated as net income attributable to shareholders post costs related to Sukuk divided by average tangible equity attributable to shareholders (excluding Sukuk). 4 Liquid Banking Assets include Cash and Cash Equivalents, Deposits with Banks and T-Bills. 5 Total Assets less Goodwill and Intangibles. 6 With preliminary illustrative acquisition impact. 28 بيت التمويل الكويتي Kuwait Finance House c. 16,294 23.3% البنك الأهلى المسجد ahli united bank

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