Investor Presentation July 2021

Operating Performance & Profitability (cont'd) 1H 2021 Op. income by type (%) 1H 2021 Op. income by business line (%) Others, 5% FX, 3% Fees, 18% Consumer & Private Banking,. 33% Corporate, 16% Net Interest Income, 74% Others, 1% Net Interest Margin (%) Inv Bkg & AM, 4% Islamic Banking, Cost to income (%) 37.0% 37.6% 37.2% 34.0% Intern'l, 25% 21% 2019 2020 1H 2020 1H 2021 Net Interest Margin Drivers 2.56% 2.21% 2.25% 2.28% 2.25% -0.37% +0.82% 2.28% -0.42% 2019 2020 1H 2020 1H 2021 1H 2020 Loans Others Deposits 1H 2021 National Bank of Kuwait 22

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