Investor Presentaiton

FY 2015 Key Performance Extracts (Continued) 11.3% 39.2 2014 Net Loan Portfolio (USD bn) Net Loans Net loan growth YoY (%) Loan exposure by sector (%) Telecom, Utls & Transport. 7% Manufact. 7% Financial 6% Retail & Trade 12% الوطني NBK Real estate 19% Other 14% Eng & Constructi on 4% 13.8% 44.6 2015 Non-Performing Loans Coverage Ratio ⚫NPL Ratio 54.7% 71.8 2014 Loans to Assets (USD bn) Total Assets ◆Loans/Assets 57.4% 77.8 2015 Prudent Capitalization (%) ■ Tier 1 14.5% 1.2% 322% ■Tier 2 16.8% 2.1% 276% Personal 31% 13.3% 14.7% 1.50% 1.34% 2014 Notes: September 2014 capital ratios were calculated based on Basel II regime 2015 2014 2015 23

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