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Investor Presentaiton

Capitalization and asset quality Total Equity1 Breakdown (USD mn) ■Share capital ■Retained Earnings 11,331 10,438 ■Statutory reserves Other Reserves & Treasury Shares Prudent capitalization (%) ■ Tier 1 ■ Tier 2 9,977 17.8% 9,961 17.2% 16.9% 16.0% 1.9% 3,384 1.9% 2.0% 3,023 2,245 1,798 1.9% 4,718 4,885 4,340 4,611 15.3% 15.9% 14.9% 14.1% 1,025 1,076 1,007 1,057 2,050 2,153 2,114 2,220 Dec-18 Dec-19 Mar-19 Mar-20 Dec-18 Dec-19 Mar-19 Mar-20 Prudent Provisioning (USD mn) ■Specific Provisions General Provisions Provisions and Impairments (USD mn) Other Impairment Losses Provisions for Credit Losses الوطني NBK 1,669 1,679 593 34 428 24 Non-performing loans (NPLs) Coverage Ratio NPL Ratio 559 272.2% 1,270 1,310 167 228.1% 231.2% 405 206.8% 102 90 1.38% 1.51% 102 1.30% 398 368 2018 2019 77 1.10% 2018 2019 1Q 2019 1Q 2020 Dec-18 Dec-19 Mar-19 Mar-20 ¹Equity here refers to total equity attributable to the shareholders of National Bank of Kuwait S.A.K.P. Notes: 21 224
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