Investor Presentaiton

الوطني NBK Key strengths ◉ High credit ratings and among the top brand values regionally NBK has one of the highest credit ratings in the MENA region Ranked amongst the 50 safest banks in the world by Global Finance, named most valuable banking brand in Kuwait and among the top 10 in the Middle East by Brand Finance Sound and consistent financial performance Long history of profitability, even throughout the global financial crisis Excellent asset quality with an NPL ratio standing at 1.10% at end-2019 Strong liquidity serving as a buffer in times of need الوطني Largest banking group in Kuwait with dominant market position As at 31 December 2019, the Bank was the largest bank in Kuwait in terms of total assets, loans and customer deposits. In addition, the Bank enjoys a dominant market share across its business segments NBK also has one of the largest and most diversified distribution networks " NBK Stable shareholder base and strong management team Established in 1952 by a group of leading Kuwaiti merchants and has retained the same core shareholder base since NBK's stable shareholder base is complemented by a strong and stable Board of Directors and a long- serving executive team with in-depth experience Strong investment banking capability NBK conducts its investment banking and asset management business through its subsidiary, Watani Investment Company K.S.C.C. (Known as NBK Capital) " Only banking group in Kuwait to provide both conventional and Islamic banking Following its consolidation of Boubyan Bank in 2012, NBK became the only banking group in Kuwait to offer both conventional and Islamic banking services ◉ This has allowed the Bank to leverage off the opportunities across both markets, particularly given the growing importance of Islamic Finance in Kuwait " ◉ A strong regional and international network Operations in 15 countries, 9 of which are in the MENA region. The Bank continues to explore opportunities to expand geographically with a primary focus on further strengthening operations in MENA region 5

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