Investor Presentaiton

PUBLIC Operating Performance & Profitability 2,785 Profitability (USD mn) ■Net Operating Income 2,996 ■ Net Profit Operating Income Composition (USD mn) ■NII & NI from Islamic financing 2,996 2,785 26% 25% ■Non-interest income 814 1,198 729 778 75% 74% 729 778 384 27% 29% 277 73% 71% 2020 2021 1Q 2021 1Q 2022 2020 2021 1Q 2021 1Q 2022 Return on average assets (%) 1.15% 1.13% 0.82% 1.41% 7.0% Return on average equity (%) 10.4% 10.2% 13.4% 2020 2021 1Q 2021 1Q 2022 2020 2021 1Q 2021 1Q 2022 National Bank of Kuwait 24

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