Investor Presentaiton

PUBLIC Operating Performance & Profitability (cont'd) 1H 2023 Op. income by type (%) FX, 3% Fees, 18% Others, 3% Net Interest Income, 76% Net Interest Margin (%) 1H 2023 Op. income by business line (%) Consumer & Private Banking, 27% Others, 11% 2.52% 2.21% 2.30% 2.18% Cost to income (%) Corporate, 14% Inv Bkg & 39.2% AM, 3% 38.7% 38.2% 36.5% Intern'l, 25% Islamic Banking, 20% 2.18% +1.28% 2021 2022 1H 2022 1H 2023 Net Interest Margin Drivers +1.11% -2.05% 2.52% 2021 2022 1H 2022 1H 2023 1H 2022 Loans Others Deposits 1H 2023 National Bank of Kuwait 23

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