ABK Financial and Strategic Overview

Balance Sheet Based on consolidated IFRS financials الأهلي авк 2 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 (KD, 000) CAGR ! (%) Sept 18 Sept 19 Assets Cash and balances with banks 144,825 432,173 494,678 495,519 702,233 48.39% 783,147 864,248 Kuwait Government treasury bonds 279,831 204,246 223,142 344,590 257,161 -2.09% 249,733 188,343 Central Bank of Kuwait bonds 221,228 179,713 173,715 125,595 127,646 -12.85% 115,040 136,929 Loans and advances 2,422,297 3,047,143 3,029,384 3,075,065 3,025,992 5.72% 3,122,496 3,197,388 Investment securities Investment in an associate Premises and equipment Intangible assets Other assets 345,011 343,809 237,905 182,545 289,917 -4.26% 223,649 277,379 14,865 16,572 18,263 19,556 21,896 10.17% 20,882 23,116 33,826 53,125 46,695 53,675 55,710 13.28% 54,957 65,659 41,217 17,698 17,294 16,865 n.m³ 0* 16,918 18,047 37,156 41,066 43,333 47,887 51,008 8.24% ! 39,886 53,358 3,499,039 4,359,064 4,284,813 4,361,726 4,548,428 6.78% 4,626,708 4,824,467 Total assets Liabilities and shareholders' equity Liabilities Due to banks and other financial institutions 923,752 1,199,192 734,771 596,444 501,134 -14.18% 561,631 635,449 Customers' deposits 1,938,297 2,496,278 2,899,908 2,939,349 3,114,504 12.59% 3,140,864 3,237,799 Medium-term borrowing 149,712 150,612 150,481 151,696 Other liabilities Total liabilities Share capital 78,642 2,940,691 107,135 3,802,605 94,331 3,729,010 103,482 105,813 7.70% i 106,678 125,218 3,788,987 3,872,063 7.12% ! 3,959,654 4,150,162 Shareholders' equity 161,917 161,917 161,917 161,917 161,917 0.00% 161,917 161,917 Share premium 108,897 108,897 108,897 108,897 108,897 0.00% 108,897 108,897 Treasury shares (2,303) (4,528) (4,958) (5,053) (5,053) 21.71% (5,053) (5,054) Reserves 289,837 289,314 289,301 306,249 319,042 2.43% 309,762 316,767 Equity attributable to shareholders of the Bank 558,348 555,600 555,157 572,010 584,803 1.16% 575,523 582,527 Perpetual Tier 1 Capital Securities 90,750 90,750 90,750 Non-controlling interests 859 Total equity 558,348 556,459 646 555,803 Total liabilities and shareholders' equity 3,499,039 4,359,064 4,284,813 729 572,739 4,361,726 812 676,365 4,548,428 781 1,028 4.91% 6.78% 667,054 4,626,708 674,305 4,824,467 *Not measurable 23

View entire presentation