Investor Presentaiton
PUBLIC
Capitalization and Asset Quality
Total Equity¹ Breakdown (USD mn)
Prudent capitalization (%)
■ Share capital
■Statutory reserves ■Retained Earnings
■ Tier 1
Other Reserves & Treasury Shares
■ Tier 2
18.4%
18.1%
18.2%
17.3%
11,701
11,262
10,942
10,902
3,555
2,625
3,142
2,669
2.4%
2.4%
2.5%
2.4%
5,002
4,579
4,771
16.0%
15.7%
15.7%
4,403
14.9%
1,132
1,189
1,117
1,173
2,265
2,378
2,345
2,462
Dec-20
Dec-21
Jun-21
Jun-22
Prudent Provisioning (USD mn)
■Specific Provisions ■General Provisions
1,682
2,272
Dec-20
Provisions and Impairments Charges (USD mn)
■ Provisions for Credit Losses Other Impairment Losses
815
2,094
95
1,706
1,685
438
39
1,313
720
317
565
369
409
2019
2020
2021
Dec-21
220%
Jun-21
Jun-22
Asset Quality Ratios (%)
Loan Loss Coverage Ratio
300%
2.45%
NPL Ratio
311%
399
1.72%
307
69
152%
1.24%
1.04%
41
28
2020
2021
1H 2021
1H 2022
Dec-20
Dec-21
Jun-21
Jun-22
Notes:¹Equity here refers to total equity attributable to the shareholders of National Bank of Kuwait S.A.K.P.
National Bank of Kuwait 25View entire presentation