Investor Presentaiton

PUBLIC Consolidated Statement Of Income (USD million) USD million Interest Income Interest Expense Net Interest Income 2019 2020 2021 3,261 2,502 2,185 1,394 882 512 1,867 1,621 1,673 Murabaha and other Islamic financing income 699 744 753 Finance cost and Distribution to depositors 288 271 214 Net Income from Islamic financing 411 474 539 Net interest income and net income from Islamic financing 2,278 2,094 2,212 Net fees and commissions 520 483 546 Net investment income 28 7 92 Net gains from dealing in foreign currencies 130 126 132 Other operating income 5 76 13 Non-interest income Net Operating Income 682 691 784 2,960 2,785 2,996 Staff expenses 581 577 665 Other administrative expenses 327 337 404 Depreciation of premises and equipment 88 111 113 Amortisation of intangible assets 11 5 5 Operating Expenses 1,006 1,030 1,187 Op. profit before provision for credit losses and impairment losses 1,955 1,755 1,810 Provision charge for credit losses 405 720 399 Impairment losses 24 95 39 Operating profit before taxation 1,526 941 1,371 Taxation Directors' remuneration Non-controlling interest Profit attributable to shareholders of the Bank 117 85 113 0 82 41 61 1,327 814 1,198 National Bank of Kuwait 30

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