Investor Presentaiton

The Dominant Kuwaiti Franchise NBK is the leading banking group in Kuwait with a market leading position across its business segments Total Assets (USD million) Customer Deposits (USD million) National Bank of Kuwait Kuwait Finance House Burgan Bank 96,587 National Bank of Kuwait 63,986 23,366 Gulf Bank Boubyan Bank 20,609 17,491 Al-Ahli Bank of Kuwait 16,113 Commercial Bank of... 16,081 Kuwait Finance House Boubyan Bank Burgan Bank Gulf Bank Al-Ahli Bank of Kuwait Ahli United Bank 52,567 44,721 14,345 13,170 13,034 10,955 8,899 Ahli United Bank 14,359 Commercial Bank of Kuwait 8,094 Warba Bank 10,373 Warba Bank 5,629 Kuwait International Bank 8,869 Kuwait International Bank 4,849 0 20,000 40,000 60,000 80,000 100,000 120,000 0 10,000 20,000 30,000 40,000 50,000 60,000 Customer Loans & Advances (USD million) Net Profit attributable (USD million) National Bank of Kuwait 54,620 National Bank of Kuwait Kuwait Finance House Gulf Bank Burgan Bank Boubyan Bank 30,809 Kuwait Finance House 14,643 Burgan Bank 279 14,137 Gulf Bank 210 12,304 Boubyan Bank 207 Al-Ahli Bank of Kuwait 10,611 Ahli United Bank 191 Ahli United Bank 9,961 Al-Ahli Bank of Kuwait 95 Commercial Bank of.. 7,479 Kuwait International Bank 57 Warba Bank 7,464 Warba Bank 55 Kuwait International Bank 0 6,156 10,000 Commercial Bank of Kuwait 20,000 30,000 40,000 50,000 60,000 الوطني NBK 1,324 828 200 400 600 800 1,000 1,200 1,400 Sources: Bank's annual reports. All data as of 31 December 2019 for Balance Sheet items and Income Statement Items. Note: Kuwait Finance House, Boubyan Bank, AUB, KIB and Warba Bank are Islamic banks while Burgan Bank, CBK, Gulf Bank, Al-Ahli Bank of Kuwait are conventional banks. The USD/KD exchange rate used is .30305. The rate is based on the Central Bank of Kuwait's closing exchange rates as of 31/12/2019. 15

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