Investor Presentaiton

Consolidated Statement Of Income (USD million) USD million Interest Income Interest Expense Net Interest Income Murabaha and other Islamic financing income 2018 2019 2020 2,959 3,253 2,496 1,091 1,390 880 1,868 1,863 1,617 614 697 742 Finance cost and Distribution to depositors 204 287 270 Net Income from Islamic financing 409 410 472 Net interest income and net income from Islamic financing 2,277 2,273 2,089 Net fees and commissions 495 518 481 Net investment income 7 28 7 Net gains from dealing in foreign currencies 129 130 126 Other operating income 5 5 75 Non-interest income 636 680 689 Net Operating Income 2,913 2,953 2,778 Staff expenses 528 579 575 Other administrative expenses 325 326 337 Depreciation of premises and equipment 48 87 110 Amortisation of intangible assets 10 11 5 Operating Expenses 911 1,003 1,027 Op. profit before provision for credit losses and impairment losses 2,001 1,950 1,751 Provision charge for credit losses 558 404 718 Impairment losses 34 24 95 Operating profit before taxation 1,409 1,522 938 Taxation Non-controlling interest 110 117 85 77 81 41 Profit attributable to shareholders of the Bank 1,222 1,323 812 National Bank of Kuwait 30

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