ABK Strategic Overview and Financial Performance

Loans portfolio, Funding and Liquidity Note: (1) (2) Loan Growth (KD million) الأهلي авк 2 Gross Maximum Exposure by Credit Risk¹ (as at 31 December 2019) FY 2018 7.8% 7.1% 6.5% 6.8% 6.2% 16% 18% FY 2019 16% 18% 5.9% CAGR 7.1% 509 536 363 2,059 2,538 2,493 587 2,488 627 672 12% 13% 16% 19% 2,399 2,544 ◆ 2.45% 2.28% 2.55% 1.67% 1.78% 1.46% 15% 20% 18% 19% 2014 2015 2016 2017 2018 2019 Corporate and Banks ◆ Non Performing Loans Ratio Funding Profile (KD million) Personal Retail ■Provision for credit losses Construction and real estate Trading and manufacturing Government and related entities Banks and financial institutions Others Maturity Profile for Liabilities 4,761 4,443 FY 2018 FY 2019 4,251 4,190 4,258 690 3,420 556 555 572 676 151 150 151 600 558 1,199 735 596 501 24% 25% 31% 30% 924 2,496 2,900 2,939 3,115 3,320 1,938 2014 45% 2015 2016 2017 2018 2019 Customer Deposits Medium term notes Due to banks and other financial institutions Equity 2 I Less than one month One month to one year Over one year 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 45% 17

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