Investor Presentation July 2021

Consolidated Statement Of Financial Position (USD million) USD million Cash and short term funds Central Bank of Kuwait bonds Kuwait Government treasury bonds Deposits with banks Loans, advances and Islamic financing to customers Investment securities Investment in associates Land, premises and equipment 2018 2019 2020 9,783 12,489 12,782 2,671 2,715 2,738 2,876 2,184 1,527 7,796 6,295 3,388 51,124 54,584 57,722 12,129 13,898 15,594 104 116 17 1,196 1,430 1,408 Goodwill and other intangible assets 1,909 1,922 1,919 Other assets 859 891 812 Total Assets 90,447 96,524 97,996 Due to banks and other financial institutions 26,679 25,002 19,725 Customer deposits 47,449 52,533 56,403 Certificates of deposit issued 1,488 1,776 3,030 Other borrowed funds 1,137 1,161 2,667 Other liabilities 1,488 2,007 2,516 Total Liabilities Share capital Proposed bonus shares Statutory reserve 78,241 82,478 84,341 2,049 2,151 2,259 102 108 113 1,024 1,076 1,129 Share premium account 2,648 2,648 2,648 Treasury shares (216) (129) Treasury share reserve 46 83 115 Other reserves 4,777 5,387 4,650 Equity attributable to shareholders of the bank 10,431 11,323 10,915 Perpetual Tier 1 Capital Securities 695 1,446 1,446 Non-controlling interests 1,079 1,276 1,295 Total equity 12,205 14,045 13,656 Total liabilities and equity 90,447 96,524 97,996 National Bank of Kuwait 31

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