Investor Presentaiton

Kuwait Operations ◉ NBK is a universal bank and the industry leader in all key business segments in Kuwait with an average market share of 30% Corporate Banking Remain the primary banker for most of the local blue-chip companies, and an active player in the mid-market Remain bank of choice among foreign corporations and continue serving 75% of them active in the Kuwaiti market Maintain current market share in excess of 30% in trade finance in Kuwait Offer differentiated services to large corporate clients leveraging other NBK units Increase market share in medium corporate segment through focused teams and relationship management Focus on Government mega projects benefiting from NBK's large capital base Maintain asset quality with emphasis on credit control and risk management ◉ Overview and strategy Consumer Banking Maintain undisputed leadership in retail banking with leading market share and the highest customer penetration among conventional banks Maintain focus on customer service Expand client base with focus on profitable consumer segments such as affluent and mass affluent, and aim to attract new bankable clients such as SMEs Achieve lowest cost of funds among Kuwaiti commercial banks Pioneer innovative multi-channel solutions including state of the art internet, mobile banking and call center services Focus on the evolution to segment of one by providing tailor-made propositions aiming at better cross-sell, increased product penetration, proactive attrition management utilizing the latest tools and technologies Private Banking Continue to provide a unique proposition to HNW clientele in collaboration with NBK Capital and the bank's international network Provide access to best of breed international funds leveraging NBK Banque Privee's wealth management expertise Provide the best service with a dedicated team of over 30 well qualified and experienced private bankers Leverage NBK's strong brand to acquire new clients and retain onshore relationships Broaden the product portfolio to accommodate growing needs الوطني NBK NBK is a full-service bank that offers a broad suite of financial services and products to clients, meeting their ever growing and evolving demands 8

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