Investor Presentaiton

PUBLIC Expected Credit Losses (ECL) 1H 2023 Financial Statements ECL Disclosure (USDm) Total Gross Loans (USDbn) ■ Stage 1 Stage 2 ■ Stage 3 30 June 2023 Stage 1 Stage 2 Stage 3 Total 68.2 1% Loans, advances and Islamic 7% 71.1 1% 9% 73.0 2% 6% financing to customers 66,880 4,851 1,274 73,005 Contingent liabilities 12,896 2,064 38 14,998 90% 92% 92% Commitments (revocable and irrevocable) to extend credit 25,641 2,804 1 28,445 ECL allowance for credit facilities 620 522 845 1,988 Jun 22 ECL Allowance for Credit Facilities Dec 22 Jun 23 CBK Credit Provisions vs IFRS 9 ECL (USDm) 2,730 Stage 3 40% Stage 1 30% Stage 3 42% Stage 1 29% Stage 3 43% Stage 1 31% 1,039 Stage 2 Stage 2 29% Stage 2 26% 1,691 30% ■ ECL⭑ Excess over ECL 2,828 2,909 947 921 1,881 1,988 Jun-22 (USD 1,691m) Dec-22 (USD 1,881m) Jun-23 (USD 1,988m) Jun 22 Dec 23 Jun 23 * ECLS as per CBK guidelines National Bank of Kuwait 27

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