Investor Presentaiton

Funding and liquidity positions الوطني NBK Customer Deposits (USD bn) (Total Liabilities) Funding Mix (USD mn) ■Certificates of deposit ■Due to banks and other financial institutions ■■Other liabilities ■Customer Deposits 61% 64% 65% 62% 55.8 52.6 47.5 47.6 Dec-18 Dec-19 Mar-19 Mar-20 34% 30% 31% 28% Dec-18 Dec-19 Mar-19 Mar-20 Overview of Investment Securities¹ - USD 13.9 bn As at 31 December 2019 Others .4% Equities 1% Non-Gov't Debt 36% Notes: Amortized Cost FVPL 5% 19% FVOCI Gov't Debt (non Kuwait) 59% 76% 1Excludes investments in Central Bank of Kuwait Bonds and Kuwait Government Treasury Bonds 20 20

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