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Investor Presentaiton

Balance Sheet Parameters 35,240 Assets & Loans and Advances (USD mn) ■Loans, advances & Islamic financing 2013 61,285 39,238 2014 71,776 ■Total Assets 77,752 44,649 2015 Breakdown of Assets by Type (As at 31 December 2015) Goodwill and other intangible Other 2% Cash and short assets 3% term funds 15% Investment securities 12% Loans, advances and Islamic financing to customers 57% Breakdown of Gross Loans and Advances Breakdown of Gross Loans and Advances By Type -As at 31 December 2015 By Geography - As at 31 December 2015 الوطني NBK Retail 31% Corporate 69% Europe North 2% America Asia 2% Others 3% 2% MENA 91% CBK Bonds and Kuwait Tbills 5% Deposits with banks 6% Low loan concentrations As at 31 December 2015 85% 15% ■Top 20 Customers Others 18
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