Operating Performance 9M 2018

Performance Measures 9M 2018 % 9M 2017 9M 2018 Return on average assets 1.27% 1.36% Return on average equity 10.8% 11.9% Net interest margin 2.60% 2.70% Cost to income NPLs to gross loans Loan loss reserves to NPLs 31.3% 30.5% 1.42% 1.37% 323.1% 237.4% Common equity tier 1 capital (CET1) 13.9% 13.7% Tier 1 capital 15.4% 15.2% Tier 2 capital 2.1% 2.0% Capital adequacy ratio 17.5 % 17.2 % الوطني NBK 13

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