Investor Presentaiton

Operating Performance & Profitability (Cont'd) الوطني NBK 36.7% 1Q 2020 Op. income by type (%) 1Q 2020 Op. income by business line (%) Cost to income (%) FX, 8%. Other, 10% Fees, 17% Consumer & Private Banking, 32% Corporate 14% 34.0% 31.3% 31.6% Inv Bkg & AM, 4% Net Interest Income, 75% Others, 5% Net Interest Margin (%) Intern'l, 26% Islamic Banking, 19% 2018 2019 1Q 2019 1Q 2020 Net Interest Margin drivers 2.69% 2.65% 2.56% -0.18% 2.38% 2.65% -0.37% +0.28% 2.38% 2018 2019 1Q 2019 1Q 2020 1Q 2019 Loans Others Deposits 1Q 2020 18

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