Investor Presentation July 2021

International Operations NBK's international operations has been traditionally contributing up to circa 30% of the Group's bottom line with the Bank aspiring to increase this contribution. The Bank generally aims to maintain a majority stake in its subsidiaries or at least maintain a decision making role. NBK's international presence is a differentiating factor for the Bank and an extension of the MENA franchise enabling better service and strengthening client relationships. Specifically within the MENA region, the Bank is focused on growing its business in existing and new markets through attracting increased corporate and private customers. Meanwhile, across the international locations, the Bank's focus is on servicing its private and corporate customers who are active internationally and growing its business with international companies that are active in the MENA region. Within its international network, NBK is focused on managing risks and costs to improve efficiency and achieve long-term cost savings and productivity gains. International London Established or acquired Branches Legal structure 1983 2 Subsidiary New York 1984 1 Branch + Geneva 1984 1 Subsidiary Singapore 1984 1 Branch Paris 1987 1 Subsidiary Shanghai 2005 1 Branch Overview of Performance MENA region Revenue Trends (USD mn) Balance Sheet Trends (USD mn) Bahrain 1987 2 Branch ■Net Operating Income ■Net Profit 690 Jordan 2004 1 Lebanon 1996 2 Subsidiary Branch - 372 728 370 680 ■Segment Assets 36,601 Iraq 2005 LO 5 Subsidiary 33,467 Saudi Arabia 2006 3 Branch kkk.. 165 32,227 Egypt UAE 2018 2019 2020 2018 2019 2020 2007 52 Subsidiary 2008 2 Branch National Bank of Kuwait 10

View entire presentation