Investor Presentaiton

The Dominant Kuwaiti Franchise NBK is the leading banking group in Kuwait with a market leading position across its business segments Total Assets (USD million) Customer Deposits (USD million) National Bank of Kuwait Kuwait Finance House Burgan Bank Gulf Bank 17,822 Commercial Bank of Kuwait 13,295 55,357 25,876 78,340 National Bank of Kuwait Kuwait Finance House Burgan Bank Gulf Bank Commercial Bank of Kuwait 8,529 12,211 38,349 35,919 15,396 Al Ahli Bank of Kuwait 12,598 Al Ahli Bank of Kuwait 7,025 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 Customer Loans & Advances (USD million) Net Profit (USD mn) National Bank of Kuwait Kuwait Finance House Burgan Bank Gulf Bank Al Ahli Bank of Kuwait Commercial Bank of Kuwait الوطني NBK 14,512 12,237 9,130 26,255 43,597 National Bank of Kuwait 7,366 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 Kuwait Finance House Burgan Bank Commercial Bank of Kuwait 84 Al Ahli Bank of Kuwait 96 194 348 751 Gulf Bank 98 0 100 200 300 400 500 600 700 800 Sources: Bank's annual reports. All data as of 30 September 2015 (for Balance Sheet items) or for the 9-months ended 2015 (for Income Statement Items) Note: Kuwait Finance House is an Islamic bank while Burgan Bank, Gulf Bank, Commercial Bank of Kuwait, Al Ahli Bank of Kuwait are conventional banks 10

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