Investor Presentaiton

Consolidated Statement Of Income (USD million) USD million Interest Income Interest Expense Net Interest Income Murabaha and other Islamic financing income 2017 2018 2019 2,450 2,961 3,255 738 1,092 1,391 1,712 1,869 1,864 514 614 697 Finance cost and Distribution to depositors 151 204 287 Net Income from Islamic financing 363 410 410 Net interest income and net income from Islamic financing 2,075 2,278 2,274 Net fees and commissions 457 496 519 Net investment income 65 7 28 Net gains from dealing in foreign currencies 111 129 130 Other operating income 5 LO 5 5 Non-interest income 639 636 681 Net Operating Income 2,715 2,914 2,955 Staff expenses 510 528 580 Other administrative expenses 306 325 326 Depreciation of premises and equipment 50 49 87 Amortisation of intangible assets 10 10 11 Operating Expenses 876 912 1,004 Op. profit before provision for credit losses and impairment losses 1,839 2,003 1,951 Provision charge for credit losses 577 559 405 Impairment losses 44 34 Operating profit before taxation 1,218 1,410 24 1,523 Taxation Non-controlling interest 88 110 117 66 Profit attributable to shareholders of the Bank 1,064 77 1,223 82 1,324 الوطني NBK 25 25

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