Investor Presentaiton

PUBLIC Consolidated Statement Of Income (USD mn) USD mn Interest Income Interest Expense Net Interest Income 2020 2021 2022 2,471 2,158 3,094 871 506 1,188 1,600 1,653 1,906 Murabaha and other Islamic financing income 735 744 939 Finance cost and Distribution to depositors 267 211 377 Net Income from Islamic financing 468 532 562 Net interest income and net income from Islamic financing 2,068 2,185 2,468 Net fees and commissions 483 551 593 Net investment income 7 91 51 Net gains from dealing in foreign currencies 107 97 181 Other operating income 75 13 3 Non-interest income Net Operating Income 671 753 829 2,739 2,938 3,297 Staff expenses 570 657 719 Other administrative expenses 322 377 410 Depreciation of premises and equipment 109 111 127 Amortisation of intangible assets 5 5 5 Operating Expenses 1,006 1,151 1,261 Op. profit before provision for credit losses and impairment losses 1,733 1,787 2,036 Provision charge for credit losses 711 395 17 Impairment losses 94 38 131 Operating profit before taxation 929 1,354 1,888 Taxation Directors' remuneration Non-controlling interest Profit attributable to shareholders of the Bank 84 111 155 0 3 40 60 68 804 1,183 1,662 National Bank of Kuwait 31

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