Investor Presentaiton

PUBLIC Dominant Kuwaiti Franchise NBK is the leading banking group in Kuwait with a market leading position across its business segments Total Assets (USD mn) Customer Deposits (USD mn) Kuwait Finance House National Bank of Kuwait Boubyan Bank Burgan Bank 120,697 118,637 Kuwait Finance House National Bank of Kuwait 73,402 65,877 25,729 23,395 Boubyan Bank Al-Ahli Bank of Kuwait 19,464 14,434 Gulf Bank 22,369 Al-Ahli Bank of Kuwait 20,967 Gulf Bank Burgan Bank 13,865 12,839 Ahli United Bank 15,383 Ahli United Bank 10,582 Commercial Bank of Kuwait 14,073 Warba Bank 8,732 Warba Bank 13,715 Kuwait International Bank 11,690 Commercial Bank of Kuwait Kuwait International Bank 7,640 7,636 0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 0 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 Customer Loans & Advances (USD mn) Net Profit attributable to shareholders (USD mn) National Bank of Kuwait 68,555 National Bank of Kuwait Kuwait Finance House Boubyan Bank Gulf Bank Burgan Bank Al-Ahli Bank of Kuwait Ahli United Bank Warba Bank 61,507 19,306 Kuwait Finance House Commercial Bank of Kuwait 1,662 1,168 240 16,744 Gulf Bank 202 13,803 Boubyan Bank 189 13,186 Burgan Bank 170 11,117 Ahli United Bank 119 10,218 Al-Ahli Bank of Kuwait 105 Kuwait International Bank 9,182 Warba Bank 63 Commercial Bank of Kuwait 7,899 Kuwait International Bank 44 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 0 200 400 600 800 1,000 1,200 1,400 1,600 1,800 Sources: Banks' annual reports. All data as of 31 December 2022 for Balance Sheet items and Income Statement Items. Note: Kuwait Finance House, Boubyan Bank, AUB, KIB and Warba Bank are Islamic banks while Burgan Bank, Gulf Bank, Commercial Bank of Kuwait and Al-Ahli Bank of Kuwait are conventional banks. National Bank of Kuwait 20

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