Arab Bank Consolidated Income Statement A% 2019 Revenues Interest income Interest expense Net Interest income Net commission income Net interest and commission Income Foreign currencies exchange gains Other Total revenues 2.9% 40.5% -1.2% -6.26 -20% 9.6% -18.6% 155,003,488 20.868,626 134,134,862 24.036 224 158,171,086 12.518.023 4.573.199 175,262,307 Expenses Personnel expenses Operating expenses Depreciation and amortization Impairment provision of credit facilities Total expenses Profit before taxes Taxes expense Net profit for the year -1.5% -0.8% 64-2 38.6% 8.7% 43.810.195 31.807 845 5,309,740 9.591 271 90,319,052 84.943.255 19.573 558 65,369.700 -25.7 1)Net Interest Margin(NIM) 2) Efficiency Ratio 3) PM (profitability margin) 4) AU (Asset utilization Arab Bank Consolidated Income Statement A% 2019 Revenues Interest income Interest expense Net Interest income Net commission income Net interest and commission Income Foreign currencies exchange gains Other Total revenues 2.9% 40.5% -1.2% -6.26 -20% 9.6% -18.6% 155,003,488 20.868,626 134,134,862 24.036 224 158,171,086 12.518.023 4.573.199 175,262,307 Expenses Personnel expenses Operating expenses Depreciation and amortization Impairment provision of credit facilities Total expenses Profit before taxes Taxes expense Net profit for the year -1.5% -0.8% 64-2 38.6% 8.7% 43.810.195 31.807 845 5,309,740 9.591 271 90,319,052 84.943.255 19.573 558 65,369.700 -25.7 1)Net Interest Margin(NIM) 2) Efficiency Ratio 3) PM (profitability margin) 4) AU (Asset utilization