Operating Performance 9M 2018

Consolidated Financials 9M 2018 (KD million) Income Statement (KWD million) Interest Income Interest Expense Net Interest Income Murabaha and other Islamic financing income Balance sheet (KWD million) Cash and short term funds الوطني NBK 9M 2017 9M 2018 Sep 2017 Sep 2018 2,744 2,944 546 658 Central Bank of Kuwait bonds 608 798 161 236 Kuwait Government Treasury bonds 1,109 868 385 422 Deposits with banks 2,314 2,306 114 137 Loans, advances and Islamic financing to customers 14,464 15,407 Distribution to depositors and Murabaha costs 33 43 Investment securities 3,271 3,566 Net Income from Islamic financing 81 93 Investment in associates 65 34 Land, premises and equipment 302 352 Net interest income and net income from Islamic financing 466 515 Goodwill and other intangible assets 583 580 Net fees and commissions 102 114 Other assets 209 270 Total Assets 25,669 27,126 Net investment income 16 1 Due to banks and other financial institutions 7,550 Net gains from dealing in foreign currencies 24 29 Customer deposits 13,348 Other operating income 2 2 Certificates of deposit issued 550 Non-interest income 144 147 Global Medium Term Notes (GMTN) 224 Net Operating Income 610 662 Subordinated Tier 2 bonds 125 Staff expenses 113 120 Other liabilities 391 Other administrative expenses Total Liabilities 22,188 64 69 Share capital 592 Depreciation of premises and equipment 11 11 Proposed bonus shares Amortisation of intangible assets 2 2 Statutory reserve 282 Operating Expenses 191 202 Share premium account 803 Op. profit before provision for credit losses and impairment losses Treasury shares (78) 419 460 Treasury share reserve 14 Provision charge for credit losses and impairment losses Operating profit before taxation 146 145 Other reserves 1,340 273 314 Equity attributable to shareholders 2,953 Perpetual Tier 1 Capital Securities 211 Taxation 20 25 Non-controlling interests 317 Non-controlling interest 14 17 Total equity 3,481 Profit attributable to shareholders of the Bank 238 272 Total liabilities and equity 25,669 12

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