Operating Performance 9M 2018

Operating Performance 9M 2018 Non-interest income (KDm) ■Net fees and commissions Net gains from dealing in FX ■ Others Operating Expenses (KDm) ■Staff expenses 146.8 143.6 ■ Other operating expenses 17 29 +2.2% 24 الوطني NBK 202.1 191.0 78 +5.8% 82 2 55.5 50.0 41.4 65.4 70.6 67.0 114 102 12 27 29 27 113 120 35 35 39 38 39 42 40 3Q 2017 2Q 2018 3Q 2018 9M 2017 9M 2018 3Q 2017 2Q 2018 3Q 2018 9M 2017 9M 2018 Cost to Income ratio Provisions and Impairments (KDm) ■ Provision charges for credit losses Other impairment losses 146.3 145.4 32.3% 31.3% 30.5% 60.5 51.6 51.5 135 137 59 47 50 50 -0.6% 9M 2017 FY 2017 9M 2018 3Q 2017 2Q 2018 3Q 2018 9M 2017 9M 2018 3

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