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Investor Presentaiton

PUBLIC International Operations New York - 1 Branch Geneva London - 1 branch Paris 1 branch 1 branch NBK's international operations have been traditionally contributing 25% of the Group's bottom line. NBK's international presence is a differentiating factor for the Group, enabling better service and strengthening client relationships. The Bank is focused on growing its business in existing and new markets; meanwhile, across the international locations, the Bank's focus is on: increasing its market share in Egypt and transforming the Retail Business in Egypt with enhanced digital capabilities. building a regional powerhouse in wealth management servicing its GCC-based corporate and private customers who are active internationally and growing its business with international corporates active in the MENA region exploring expansion of the Bank's digital proposition in regional markets Within its international network, NBK is focused on managing risks and costs to improve efficiency and achieve long-term cost savings and productivity gains. Shanghai - 1 branch Revenue Trends (USD mn) ■Net Operating Income ■Net Profit Singapore 1 branch. Egypt - 54 branches Kuwait - 70 branches Iraq 3 branches Lebanon - 2 branches Bahrain - 2 branches UAE - 2 branches KSA 3 branches 870 729 671 Balance Sheet Trends (USD bn) ■Segment Assets 33.1 448 301 163 51.4 43.1 2020 2021 2022 Dec-20 Dec-21 Dec-22 National Bank of Kuwait 10
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