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FY 2015 Key Performance Extracts 2.45% 2014 Interest Margins (%) ■Net Interest Margin Strong Returns (%) ■Return on Average Assets Return on Average Equity 10.5% 10.5% الوطني NBK 1.28% 2014 1.22% 2015 Income Statement Key Highlights (USDmn) USD million 2014 2015 Net Interest Inc. & net inc. from Islamic financing 1,546 1,747 2.42% Fees and Commissions 401 428 Net Operating Income 2,178 2,401 Total Operating Expenses 709 773 Operating Surplus 1,469 1,628 Provision charge for credit losses 447 428 Impairment losses 37 113 Taxation 84 109 Non-Controlling Interests 39 47 2015 Profit Attributable to Shareholders 863 930 Strong returns and well-diversified earnings Operating Income by type Operating Income by Business Line Fees, 18% FX, 5% Others, 4% Consumer & Private Banking, 31% Net Interest Income, Others, 5% 73% Corporate, 22% Inv Bkg & AM, 3% Islamic Banking, Intern'l, 24% 13% 22 22

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