Investor Presentaiton

PUBLIC Expected Credit Losses (ECL) 1H 2022 Financial Statements ECL Disclosure (USDm) Total Gross Loans (USDbn) ■ Stage 1 Stage 2 ☐ Stage 3 30 June 2022 Stage1 Stage 2 Stage 3 Total 68.3 62.7 67.3 3% 1% 1% Loans, advances and Islamic financing to customers 62,691 4,750 845 68,286 9% 8% 7% Contingent liabilities 12,848 2,036 77 14,961 91% 88% 92% Commitments (revocable and irrevocable) to extend credit 22,542 3,241 1 25,783 ECL allowance for credit facilities Stage 3 54% 504 512 677 1,693 Jun 21 ECL Allowance for Credit Facilities Dec 21 Jun 22 CBK Credit Provisions vs IFRS 9 ECL (USDM) 2,458 Stage 1 21% Stage 3 35% Stage 1 29% Stage 3 40% Stage 1 30% 401 Stage 2 25% Stage 2 36% Stage 2 30% 2,057 CBK Provision ■ ECL⭑ 2,208 681 Excess over ECL 2,733 1,040 1,527 1,693 Jun-21 (USD 2,057m) Dec-21 (USD 1,527m) Jun-22 (USD 1,693m) Jun 21 Dec 21 Jun 22 * ECLS as per CBK guidelines National Bank of Kuwait 26

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