#1NBB البحرين الوطني National Bank of Bahrain Group Investor Presentation Q3 2023 Closer to you GEMS±¼S(SSG)|||E◊◊G°SE◊✅GESC 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#4| Attributable net profit 16% YTD Attributable Net Profit (BHD millions) 50.8 YTD 2022 Licensed by CBB as a conventional Retail Bank. 59.0 YTD 2023 Double-digit growth Q3 Attributable Net Profit (BHD millions) 18.2 60% 11.4 Q3 2022 Q3 2023 ◊◊◊◊¯¯¯¯| NBB 04 الوطني#5Income statement Positive operating and consolidated profit growth BHD millions 96.0 103.8 8% 34.2 35.2 62.9 70.6 68.4 67.3 12% 2% 3% YTD 2022 YTD 2023 61.0 52.8 16% 0.6 0.2 -15.1 -7.6 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 Strong precautionary provision buffers built in 2022 have been maintained in 2023 Cost of Risk 0.64% FY 2022 0.40% YTD 2023 Coverage Ratios 19.1% 13.1% 0.7% 0.7% 50.6% 45.5% FY 2022 YTD 2023 88.8% 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| Key ratios ✔ 13% 12.6% ROE 14.2% 13% Improvements in profit metrics 1.5% ROA NIM 1.7% N 3% 3.2% 3.3% FY 2022 YTD 2023 FY 2022 YTD 2023 FY 2022 YTD 2023 -¬¯¯||||&S-SX =||||C÷5¬TSY - SESS Licensed by CBB as a conventional Retail Bank. 07 NBB الوطني#8Balance sheet highlights Strong liquid balance sheet and total assets exceeding BHD 5.0 billion Assets (BHD millions) 927.2 796.3 2,494.9 2,415.8 1,369.6 1,241.4 Dec 2022 Sep 2023 5,003.6 4,785.3 Liabilities and Equity (BHD millions) Dec 2022 Sep 2023 3,330.2 3,274.0 575.9 566.2 Liquid Assets Loans Investments Total Assets Customer Deposits Equity Licensed by CBB as a conventional Retail Bank. M✰✰*SEE✰✰✰ NBB 08 ར་ البحرين الوطني#9Funding Funding migration in line with the change in market rate environment Demand Deposits (BHD millions) Time and Call Deposits (BHD millions) 6% 1,730.8 1,629.6 3% 1,599.4 Dec 2022 Sep 2023 1,644.4 Dec 2022 Sep 2023 -¬¯¯||||&S-SX =||||C÷5¬TSY - SESS Licensed by CBB as a conventional Retail Bank. 09 NBB الوطني#10Balance sheet metrics Capital and liquidity positioned for growth NPL and Capital Dec 2022 Sep 2023 14.0% 12.5% 3.8% 4.8% NPL 12.5% represents the minimum CBB CAR requirement 23.6% 22.3% CAR 14.0% represents the minimum CBB CAR requirement for banks designated as DSIBS Licensed by CBB as a conventional Retail Bank. 100% Liquidity 398.3% 310.4% Average Daily LCR Dec 2022 Sep 2023 139.0% 136.1% 100% represents the minimum CBB LCR and NSFR requirement NSFR ◊◊◊◊¯¯¯¯| NBB 10 البحرين الوطني#11Sustainability Highlights \'G-DS±¼MIED°S±¼SG-M◊S◊'^ SG-)||||E◊◊GÆ°S=(-) S♪'ΜMIIIE◊y'◊G|||E°° Licensed by CBB as a conventional Retail Bank. 11 NBB البحرين الوطني#12Team NBB's remarkable progress has earned the recognition of regional and global ESG rating agencies ESG Invest By SUSTAINABILITY EXCELLENCE REFINITIV Bloomberg 2020 Rating Cycle As of 30th September 2023 As of 30th September 2023 1st Ranked on banks in Bahrain 1st Across all sectors in MENA 1st Ranked on banks in Bahrain Ranked 15th out of 1,111 2 Consecutive years holding the first position Top 2% Institutions in the banking services sector 2nd Ranked on banks in GCC 3rd Ranked on banks in GCC Licensed by CBB as a conventional Retail Bank. ◊◊◊◊¯¯¯¯| NBB 12 الوطني#13Select sustainability-related awards NBB الوطني EUROMONEY AWARDS FOR EXCELLENCE BAHRAIN 2023 BEST BANK FOR ESG درع البلاد للمسؤولية الاجتماعية للشركات 2023 التميز الاجتماعي بنك البحرين الوطني Best Bank for ESG in Bahrain' at Euromoney Awards for Excellence 2023 Albilad's Corporate Social Responsibility Award of the Year 2023 Licensed by CBB as a conventional Retail Bank. ◊◊◊◊¯¯¯¯| NBB 13 الوطني#14* Key highlights of NBB's sustainability journey Sustainability Pillar: Serving Our Customers Retail Digital Banking 61% Of all new accounts were opened digitally in 2023 10%* Digitally Registered Retail Customers t 15.3%* Digitally registered corporate clients Compared to December 2022 Licensed by CBB as a conventional Retail Bank. ** Business Online Banking Compared to nine months ending September 2022 65%** "New to Bank" customers onboarded digitally ** 3%* Digital banking transactions ◊◊◊◊¯¯¯¯| NBB 14 الوطني#15Key highlights of NBB's sustainability journey Sustainability Pillar: Responsible Banking Sustainable Finance 11%* Mazaya Finance Compared to December 2022 ◊◊◊◊¯¯¯¯| NBB Licensed by CBB as a conventional Retail Bank. 15 الوطني#16Key highlights of NBB's sustainability journey Sustainability Pillar: Nurturing our Workforce Licensed by CBB as a conventional Retail Bank. 32,112 Total training hours 93% Training and Development 35.4 Average training hours per employee Of employees have attended sustainability awareness e-learning programme M✰✰*SEE✰✰✰ NBB 16 الوطني#17Key highlights of NBB's sustainability journey Sustainability Pillar: Nurturing our Workforce Licensed by CBB as a conventional Retail Bank. 38% Diversity, Inclusion and Equal Opportunities Percentage of women in the workforce 44% Percentage of women in middle and executive management NBB N ◊◊◊◊¯¯¯¯| NBB 17 الوطني#18Key highlights of NBB's sustainability journey Sustainability Pillar: Community Investment Community Investment BHD 2.2M Donations and Contributions 8 30 non-profit organisations have been supported across different sectors (Healthcare, Education & Social welfare) 20 12 24%* 0202 Centr CBB Cent Central Central Contributions towards Social welfare activities +10%** Contributions towards Education & youth Compared to December 2022 activities 459 Hours spent in volunteering activities to engage with the community Licensed by CBB as a conventional Retail Bank. ◊◊◊◊¯¯¯¯| NBB 18 الوطني#19Key highlights of NBB's sustainability journey Sustainability Pillar: Preserving Natural Resources * 30%* Water consumption 8%* Scope 1 and Scope 2 GHG emissions Compared nine months ending September 2022 Licensed by CBB as a conventional Retail Bank. 19 7%* Energy consumption NBB البحرين الوطني#20Key highlights of NBB's sustainability journey Sustainability Pillar: Governance and Ethical Behavior Licensed by CBB as a conventional Retail Bank. 4452 AML 97% -MONEY LAUNDER 210 2 10 0100100 0101 0110101 0111010 10 0 0 0.0 0:00 0100 1 2030 111 10010 01 1 0100010100110110010 1 010 0110101 01110 011010 0101010010010110 11010100 01111 01010100 0 0 2010 0 03 01 0 0 0111010101001010 011011 0.001 10001 1001111000 1001 0010101 010 010 11 7 I 10101 1 000319 01001100011 01001 025201001 10100 1000 001 010 0111110 01101 11 11 1 10110001010 2110101 100 1 100010 010101010101011111010 0101001000100010 1 100 1. 10 1 1 11 201110100 01/10 101001010100010100010 10 111011011 1010 10010 91% Employees completed anti-money laundering training Employees completed privacy and security awareness training ◊◊◊◊¯¯¯¯| NBB 20 الوطني#21NBB Q&A Closer to you البحرين الوطني GEMS±¼S(SSG)|||E◊◊G°SE◊✅GESC Licensed by CBB as a conventional Retail Bank.