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Operating Performance & Profitability 2,063 2013 785 Resilient Profitability (USD mn) ■Net Operating Income ■Net Profit 2,178 2014 2,401 Stable Returns (%) Return on Average Assets Return on Average Equity 10.5% 10.5% 10.0% 863 930 1.3% 1.3% 1.2% Operating Income Composition (USD mn) ■ Non-interest income ■Net interest income & net income from Islamic financing الوطني NBK 2015 Operating Efficiency (%) Cost to Income 2013 2014 2015 Interest Margins (%) Net Interest Margin 2,401 2,178 2,063 27% 29% 2.70% 28% 33.1% 2.45% 2.42% 32.5% 32.2% 73% 72% 71% 2013 2014 2015 2013 2014 2015 2013 2014 2015 17

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