Investor Presentaiton

Operating Performance & Profitability الوطني NBK 2,914 Profitability (USD mn) ■Net Operating Income 2,955 ■Net Profit Operating Income Composition (USD mn) ■NII & NI from Islamic financing ■Non-interest income 2,914 2,955 22% 23% 1,223 1,324 731 729 78% 77% 731 729 349 252 24% 25% 76% 75% 2018 2019 1Q 2019 1Q 2020 2018 2019 1Q 2019 1Q 2020 Return on average assets (%) 1.38% 1.42% 1.59% Return on average equity (%) 14.5% 12.3% 12.0% 1.04% 9.9% 2018 2019 1Q 2019 1Q 2020 2018 2019 1Q 2019 1Q 2020 17

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