Investor Presentaiton

Balance Sheet Parameters Net loan portfolio (USD bn) ■Net Loans ◆ Net loan growth YoY (%) 10.4% 8.1% 6.9% 6.8% Loans to assets (USD bn) ■Total Assets ◆ Loans/Assets 58.5% 58.0% 56.5% 56.5% 51.2 54.6 52.0 57.4 90.5 96.6 88.9 99.0 Dec-18 Dec-19 Mar-19 Mar-20 Dec-18 Dec-19 Mar-19 Mar-20 Loan exposure by sector (%) (as at 31 Mar. 2020) الوطني NBK Manftng 8% Financial 8% Telecom, Utls & Transport. 12% Retail & Trade 0% Real estate 21% Other 10% Eng & Constructi on 2% Personal 31% Low loan concentrations (as at 31 Mar. 2020) 85% Assets by Type (as at 31 Mar. 2020) ■Top 20 Customers ■ Others Inv. securities 15% 15% Goodwill and other Other 2% intangible Cash and ST funds 12% Loans, advances and Islamic financing to customers 58% assets 2% CBK Bonds and Kuwait Tbills 5% Deposits with banks 6% 19

View entire presentation