Investor Presentation July 2021

Operating Performance & Profitability 2,953 1,323 Profitability (USD mn) ■Net Operating Income ■ Net Profit 2,778 1,377 812 369 1,503 Operating Income Composition (USD mn) ■NII & NI from Islamic financing 2,953 2,778 23% 25% ■ Non-interest income 1,503 1,377 26% 77% 23% 75% 534 77% 74% 2019 2020 1H 2020 1H 2021 2019 2020 1H 2020 1H 2021 1.42% Return on average assets (%) 0.82% 0.75% 1.05% 12.3% Return on average equity (%) 7.0% 6.3% 9.2% 2019 2020 1H 2020 1H 2021 2019 2020 1H 2020 1H 2021 National Bank of Kuwait 21

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