Investor Presentaiton

PUBLIC Operating Performance & Profitability 2,938 1,183 Profitability (USD mn) ■Net Operating Income 3,297 ■ Net Profit 1,662 1,551 775 1,843 Operating Income Composition (USD mn) ■NII & NI from Islamic financing 3,297 2,938 25% 26% ■ Non-interest income 1,843 1,551 24% 27% 75% 897 74% 76% 73% 2021 2022 1H 2022 1H 2023 2021 2022 1H 2022 1H 2023 1.15% Return on average assets (%) 1.53% 1.48% 1.42% 10.2% Return on average equity (%) 15.2% 14.3% 13.6% 2021 2022 1H 2022 1H 2023 2021 2022 1H 2022 1H 2023 National Bank of Kuwait 22

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