Investor Presentaiton

Balance Sheet Parameters Net loan portfolio (USD bn) ■Net Loans 57.7 54.6 ◆ Net loan growth YoY (%) 62.9 58.5 7.8% 7.5% 6.8% 5.7% Dec-19 Dec-20 Sep-20 Loan exposure by sector (%) (as at 30 September 2021) Crude Oil & Gases, 7% Manufacturing, 8% Other, 12% Financial 7% Trade & Commerce, 6% Personal, 35% Real Estate, 20% Construction, Purchase of Securities, 4% Sep-21 Loans to assets (USD bn) ■Total Assets ◆ Loans/Assets 107.8 100.7 98.0 96.5 58.9% 56.5% 58.0% 58.3% Dec-19 Low loan concentrations (as at 30 September 2021) 3% 84% Dec-20 Sep-20 Sep-21 Assets by Type (as at 30 September 2021) ■Top 20 Customers Others Goodwill and other intangible assets, 2%, Other, 2% Cash and ST funds, 16% 16% Inv. securities, 15% CBK Bonds and Kuwait Tbills, 4% Deposits with banks, 3% Loans, advances and Islamic financing to customers, 58% National Bank of Kuwait 23

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