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Consolidated Statement Of Income USD million Interest Income Interest Expense Net Interest Income Murabaha and other Islamic financing income 2013 2014 2015 1,612 1,692 1,928 335 376 459 1,277 1,316 243 287 1,468 350 Distribution to depositors and Murabaha costs 33 57 72 Net Income from Islamic financing 210 230 278 Net interest income and net income from Islamic financing 1,488 1,546 1,747 Net fees and commissions 366 401 428 Net investment income 62 109 105 Net gains from dealing in foreign currencies 86 90 109 Share of results of associates 54 25 1 Other operating income Non-interest income Net Operating Income 8 6 12 576 632 654 2,063 2,178 2,401 Staff expenses 379 403 452 Other administrative expenses 237 239 254 Depreciation of premises and equipment 48 50 51 Amortisation of intangible assets 19 17 16 Operating Expenses 682 709 773 Op. profit before provision for credit losses and impairment losses 1,381 1,469 1,628 Provision charge for credit losses 473 447 428 Impairment losses 17 37 113 Operating profit before taxation 891 986 1,086 Taxation 62 84 109 Non-controlling interest 44 39 Profit attributable to shareholders of the Bank 785 863 47 930 الوطني NBK 26

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