#1NBB البحرين National Bank of Bahrain Group Investor Presentation 1HY 2023 Closer to you KESSSSGEGE✰✰✰GESG-M°54 Licensed by CBB as a conventional Retail Bank.#2Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR OR AGENCY PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION DOES NOT CONTAIN ALL OF THE INFORMATION THAT IS MATERIAL TO AN INVESTOR OR AGENCY. This presentation has been prepared by (and is the sole responsibility of the National Bank of Bahrain Group, the "Group"). The information herein may be amended and supplemented and may not as such be relied upon for the purposes of entering into any transaction. This presentation may not be reproduced (in whole or in part), distributed or transmitted to any other person without the Group's prior written consent. The information in this presentation and the views reflected therein are those of the Group and are subject to change without notice. All projections, valuations and statistical analyses are provided to assist the recipient in the evaluation of the matters described herein. They may be based on subjective assessments and assumptions and may use one among alternative methodologies that produce different results and, to the extent that they are based on historical information, they should not be relied upon as an accurate prediction of future performance. These materials are not intended to provide the basis for any recommendation that any investor should subscribe for or purchase any security. This presentation does not disclose all the risks and other significant issues related to an investment in any security/transaction. Past performance is not indicative of future results. The Group is under no obligation to update or keep current the information contained herein. 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These statements reflect the Group's reasonable expectations or extrapolations and are subject to risks and uncertainties that may cause actual results to differ materially and may adversely affect the outcome and financial effects of the plans described herein. You are cautioned not to rely on such forward-looking statements. The Group does not assume any obligation to update its view of such risks and uncertainties or to publicly announce the result of any revisions to the forward-looking statements made herein. Licensed by CBB as a conventional Retail Bank. 02 NBB البحرين الوطني#3Financial Performance Licensed by CBB as a conventional Retail Bank. 03 البحرين الوطني#4Financial highlights Strong fundamentals Attributable Net Profit (BHD millions) Net Interest Margin (NIM) Other Income (BHD millions) 40.8 39.4 4% N 6% 23.6 3.3% 23.1 3.1% 2% 1HY 2022 1 HY 2023 1 HY 2022 Licensed by CBB as a conventional Retail Bank. 1 HY 2023 1 HY 2022 1HY 2023 ◊◊◊◊¯¯¯¯| NBB 04 البحرين الوطني#5| Income statement Positive operating and consolidated profit growth BHD millions 63.6 69.2 9% 23.1 23.6 2% 46.7 46.1 45.6 41.1 12% 2% 1.1 -5.6 -4.4 -0.2 1HY 2022 1HY 2023 41.1 42.1 N 2% Net Interest Income Other Income Operating Expenses Operating Profit Loan Provisions Other Provisions Consolidated Net Profit and Associates Profits Licensed by CBB as a conventional Retail Bank. ◊◊◊◊¯¯¯¯| NBB 05 البحرين الوطني#6ECL coverage Cost of Risk 0.64% FY 2022 0.34% 1HY 2023 Strong precautionary provision buffers built in 2022 have been maintained in 2023 Coverage Ratios 14.6% 13.1% 0.7% 0.7% 50.6% 43.8% Dec 2022 Jun 2023 89.4% 87.5% Stage 1 Stage 2 Stage 3 Stage 3 Including Collateral -¬¯¯||||&S-SX =||||C÷5¬TSY - SESS Licensed by CBB as a conventional Retail Bank. 06 NBB البحرين الوطني#7| KPI ratios ✔ 17% 12.6% ROE Improvements in metrics across the board ROA 14.7% N 20% 1.5% Cost-to-income 1.8% 49.3% 49.3% FY 2022 1HY 2023 FY 2022 1HY 2023 FY 2022 1HY 2023 Licensed by CBB as a conventional Retail Bank. 07 NBB البحرين الوطني#8Balance sheet highlights Assets (BHD millions) Strong liquid balance sheet Dec 2022 Jun 2023 Liabilities and Equity (BHD millions) 796.3 828.5 2,494.9 2,423.2 1,298.6 1,241.4 4,810.0 4,785.3 Liquid Assets Loans Investments Total Assets 3,363.9 3,330.2 Dec 2022 Jun 2023 575.9 568.1 Customer Deposits Equity ->˜¯¯||||&SX˜¯||||ŒÐSTS AS I SA Licensed by CBB as a conventional Retail Bank. 08 NBB البحرين الوطني#9Funding 3% Licensed by CBB as a conventional Retail Bank. Diversified funding in line with the change in market rate environment Strong attraction for depositors Demand Deposits (BHD millions) Time and Call Deposits (BHD millions) 1,730.8 1,685.6 5% 1,678.3 1,599.4 Dec 2022 Jun 2023 Dec 2022 Jun 2023 ◊◊◊◊¯¯¯¯| NBB 09 البحرين الوطني#10Balance sheet metrics Capital and liquidity positioned for growth Dominant industry metrics NPL and Capital Dec 2022 Jun 2023 14.0% 12.5% 3.8% 4.9% 23.6% 22.3% NPL Ratio 12.5% represents the minimum CBB CAR requirement CAR 14.0% represents the minimum CBB CAR requirement for banks designated as DSIBS Licensed by CBB as a conventional Retail Bank. 10 100% Liquidity 398.3% 330.0% Average Daily LCR Dec 2022 Jun 2023 139.0% 138.2% 100% represents the minimum CBB LCR and NSFR requirement NSFR NBB البحرين الوطني#11Sustainability Highlights Licensed by CBB as a conventional Retail Bank. 11 البحرين الوطني#12Strong ranking across prominent ESG rating agencies ESG Invest By SUSTAINABILITY EXCELLENCE REFINITIV 2020 Rating Cycle As of June 2023 ކ| Ranked across all sectors in 1st Ranked in the banking sector in Bahrain 1st MENA 1st Consecutive years holding Top Ranked 19th out of 1,101 2 the 1st position in the banking sector in Bahrain 2% institutions in the banking services sector 2nd 3rd Ranked on banks in GCC (1st is FAB and 2nd is QNB) Licensed by CBB as a conventional Retail Bank. Bloomberg As of June 2023 Ranked on banks in Bahrain Ranked on banks in GCC (1st is Saudi Investment Bank) ◊◊◊◊¯¯¯¯| NBB 12 البحرين الوطني#13International recognition from a leading awarding body Licensed by CBB as a conventional Retail Bank. EUROMONEY MARDS FOR EXCELLENCE 2023 MONEY NEY 2023 223 EUROMONEY EUROMONEY 2023 2023 EUROM EURO Best Bank in Bahrain at Euromoney Middle East Awards for Excellence 2023 EUROMONEY EWARDS FOR EXCELLENCE 2013 Best Bank in Bahrain HOMEY National Bank of Bahrain ◊◊◊◊¯¯¯¯| NBB 13 البحرين الوطني#14Key highlights of NBB's sustainability journey Serving Our Customers Thank Retail Digital Banking **7%* Digitally Registered Retail Customers Business Online Banking t 13%* Digitally Registered Corporate Clients Compared to December 2022 NBB Continues to maintain it's offerings in low populated and economically disadvantaged areas with 5 ATMs & 1 Branch ◊◊◊◊¯¯¯¯| NBB 14 Licensed by CBB as a conventional Retail Bank. البحرين الوطني#15Key highlights of NBB's sustainability journey Nurturing our Workforce Licensed by CBB as a conventional Retail Bank. 147 18,915 Total Training Hours Training and Development 23 Average Training Hours per Employee Talent Attraction, Engagement and Retention Employees were promoted in 2023. This reflects both the resilient caliber NBB's workforce presents, and the set framework for growth the Bank laid down for its employees ◊◊◊◊¯¯¯¯| NBB 15 البحرين الوطني#16Key highlights of NBB's sustainability journey Nurturing our Workforce 39% Diversity, Inclusion and Equal Opportunity 32 Of promotion are attributed to women, reflecting NBB's focus on women empowerment and promotion of diversity NBB Career Progression Opportunities were filled, allowing employees to pursue their career path of choice B¬¯¯||||&SSY ◊¯||||C-SS C S VYSYA Licensed by CBB as a conventional Retail Bank. 16 NBB البحرين الوطني#17Key highlights of NBB's sustainability journey Community Investment Responsible Sourcing BHD 1.75M Donations and Contributions 82% Procurement Spent on Local Suppliers Community Investment 플 72 Central Ban 10 Central R Central Bank Central Bank of B 020 220207 Central Bank Licensed by CBB as a conventional Retail Bank. 17 NBB البحرين الوطني#18Key highlights of NBB's sustainability journey Preserving Natural Resources 43% 4% Water Consumption Energy Consumption 5% Scope 1 and Scope 2 GHG Emissions Licensed by CBB as a conventional Retail Bank. Compared to the first half of 2022 18 5% Paper Consumption NBB البحرين الوطني#19Key highlights of NBB's sustainability journey Governance and Ethical Behavior (452) AML 93% -MONEY LAUNDER 1 000150 012 2210 M 1011100 000 000100 1 LOTO 111 01 1 10101000 1001 20 D 010 03101 01110 011 10 (101010010010110, 11010 10 01111 0101010 0 0 20010 00 01 0 0 0 110 11010100110 101010 0110 01 11 001 10001 10011 1 1000 1001 000101 01160 010 1111 10101 1300318 010011 11 50 0 07201001 2000 10 0 001 0011110 01101 11 5 110100101011 001 00 1000101010101101 1111100 0 0 0 1 0010101000100010 10 101 01 1171 11 1778 20110 01610 85% 01 1011 11 Of employees completed anti-money laundering training Of employees completed privacy and security awareness training GEMS◊±¼SG-S◊¼SG)|||E◊◊G°SSE◊✅GE Licensed by CBB as a conventional Retail Bank. 19 البحرين الوطني#20NBB Q&A Closer to you البحرين KESSSSGEGE✰✰✰GESG-M°54 Licensed by CBB as a conventional Retail Bank.