Investor Presentaiton

Operating Performance & Profitability 2,953 1,323 Profitability (USD mn) ■Net Operating Income ■ Net Profit 2,778 Operating Income Composition (USD mn) ■NII & NI from Islamic financing ■ Non-interest income 2,953 2,778 2,258 23% 2,097 2,258 25% 2,097 26% 25% 812 845 77% 75% 559 75% 74% 2019 2020 9M 2020 9M 2021 2019 2020 9M 2020 9M 2021 1.42% Return on average assets (%) 0.82% 0.75% 1.09% 12.3% Return on average equity (%) 7.0% 6.6% 9.6% 2019 2020 9M 2020 9M 2021 2019 2020 9M 2020 9M 2021 National Bank of Kuwait 21

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