Investor Presentaiton

Funding and Liquidity Positions 34,524 2013 Customer Deposits (USD mn) 37,100 2014 34.6% 39,734 21,219 2015 2013 (Total Liabilities) Funding Mix (USD mn) ■ Other liabilities ■Customer Deposits الوطني NBK 60% 66% 31% 2013 Notes: 35% 2014 ■Certificates of deposit ■ Due to banks and other financial institutions Strong Liquidity Position (USD mn) Liquid Assets Liquid Asset Ratio 38.8% 37.1% 27,821 2014 28,853 2015 Overview of Investment Securities¹ - USD 9.2 bn Others .7% Equities 4% As at 31 December 2015 59% Non- Gov't Debt Gov't 36% Debt 36% 2015 1Excludes investments in Central Bank of Kuwait Bonds and Kuwait Government Treasury Bonds (non Kuwait) 53% FVPL 3% Held to Maturity 4% Available for Sale 93% 19

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