Investor Presentaiton

Operating Performance & Profitability (cont'd) 9M 2021 Op. income by type (%) 9M 2021 Op. income by business line (%) Cost to income (%) FX, 4% Fees, 18% Others, 4% Consumer & Private Banking, 33% Corporate, 15% Net Interest Income, 74% Others, 2% Net Interest Margin (%) Intern'l,. 25% 39.1% 37.0% 35.8% Inv Bkg & AM, 4% 34.0% Islamic Banking, 21% 2019 2020 9M 2020 9M 2021 Net Interest Margin Drivers 2.56% 2.21% 2.20% 2.25% -0.27% +0.66% 2.20% 2.25% -0.34% 2019 2020 9M 2020 9M 2021 9M 2020 Loans Others Deposits 9M 2021 National Bank of Kuwait 22

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