Investor Presentaiton

PUBLIC Operating Performance & Profitability (cont'd) 1H 2022 Op. income by type (%) Others, 2% FX, 6% Fees, 19% 1H 2022 Op. income by business line (%) Consumer & Private Banking, 32% Corporate, 14% Net Interest Income, 73% Others, 3% Net Interest Margin (%) 2.21% 2.21% Intern'l, 25% Cost to income (%) 39.6% 39.2% 37.0% 37.6% Inv Bkg & AM, 4% Islamic Banking, 22% 2020 2021 1H 2021 1H 2022 Net Interest Margin Drivers 2.28% 2.18% 2.28% 0.12% -0.23% 0.01% 2.18% 2020 2021 1H 2021 1H 2022 1H 2021 Loans Deposits Others 1H 2022 National Bank of Kuwait 22

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