Financial Performance Highlights

2020 marked an important year across strategic pillars, with Q1 2021 further advancing the trend PERFORMANCE & POSITIONING DIGITALIZATION & PARTNERSHIPS Best performing bank among all Jordanian banks with the highest growth percentage in total assets, loans, customers' deposits and net operating income. This growth solidifies positioning and business model. The Bank witnessed continued growth in net operating income across all business lines in Q1 2021, recording a 28% growth compared to Q1 2020, with $13.2m net income excluding Audi acquisition impact. Acquisition of Bank Audi branches in Jordan and Iraq completed on March 11th, 2021, marking a significant leap in the Group's positioning in both markets. And providing further upside on net income for the quarter reaching $42m. Strategic partnerships, most notably including Liwwa for SME digitalized lending, Equiti for FX and commodity trading in Jordan and Iraq, as well as Zain and Asia Cell in Iraq for e-wallets & POS cash services. In Jordan, the Bank launched several digital transformation initiatives & Omni Channel upgrades, including updated features on to the online banking platform (SwitchOn), call center system, iCA chatbox on Facebook Messenger & Whatsapp, digital onboarding and payment services. Also, the first Bank to have completed full integration with JOPACC to introduce the instant payment system through SwitchOn. In Iraq, NBI is the first bank to have launched one-time password (OTP) services, as well instant debit card issuance and Quick Personal Loan service with a 1-hour turn-around time. The Group is exploring further FinTech opportunities to help accelerate digitalization and capitalizing on the growing sector, across both commercial and investment banking scopes. 6

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