Investor Presentation July 2021

Balance Sheet Parameters Net loan portfolio (USD bn) ■Net Loans 57.7 54.6 ◆ Net loan growth YoY (%) 61.5 58.4 8.4% 6.8% 5.7% 5.3% Dec-19 Dec-20 Jun-20 Loan exposure by sector (%) (as at 30 June 2021) Crude Oil & Gases, 7% Manufacturing, 8% Other, 12% Financial, 7% Trade & Commerce, 7% Personal, 33% Real Estate, 20% Construction, Purchase of Securities, 4% Jun-21 Loans to assets (USD bn) ■Total Assets ◆ Loans/Assets 104.9 98.0 98.6 96.5 58.9% 59.2% 58.6% 56.5% Dec-19 Low loan concentrations (as at 30 June 2021) 3% 84% Dec-20 Jun-20 Jun-21 Assets by Type (as at 30 June 2021) Goodwill and ■Top 20 Customers Others 16% other intangible assets, 2% Inv. securities, 15% Other, 2% Cash and ST _funds, 14% CBK Bonds and Kuwait Tbills, 4% Deposits with banks, 4% Loans, advances and Islamic financing to customers, 59% National Bank of Kuwait 23

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