Investor Presentaiton

International Operations International Operations NBK's international operations currently contributed to circa 27% of its bottom line with the Bank aspiring to increase this contribution. The Bank generally aims to maintain a majority stake in its subsidiaries or at least maintain a decision making role. NBK's international presence is a differentiating factor for the Bank and an extension of the MENA franchise enabling better service and strengthening client relationships. Specifically within the MENA region, the Bank is focused on growing its business in existing and new markets through attracting increased corporate and private customers. Meanwhile, across the international locations, the Bank's focus is on servicing its private and corporate customers who are active internationally and growing its business with international companies that are active in the MENA region. Within its international network, NBK is focused on managing risks and costs to improve efficiency and achieve long-term cost savings and productivity gains. International Established or acquired Branches Legal structure London 1983 2 Subsidiary New York 1984 1 Branch Geneva 1984 1 Subsidiary Singapore 1984 1 Branch Paris 1987 1 Branch Shanghai 2005 1 Rep office Overview of Performance MENA region Revenue Trends (USD mn) Balance Sheet Trends (USD mn) Bahrain 1987 2 Branch Lebanon 1996 6 Subsidiary ■Net Operating Income Net Profit ■Segment Assets Jordan 2004 3 Branch 587 512 463 29,423 26,782 Iraq 2005 10 Subsidiary 20,351 Saudi Arabia 2006 1 Branch 250 263 230 Egypt 2007 38 Subsidiary Turkey 2007 19 Associate UAE 2008 2 Branch 2013 2014 2015 2013 2014 2015 الوطني NBK 14

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