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PUBLIC Operating Performance & Profitability 2,785 814 Profitability (USD mn) ■Net Operating Income 2,996 ■Net Profit 1,475 1,198 524 1,566 Operating Income Composition (USD mn) ■NII & NI from Islamic financing 2,996 2,785 26% 25% ■ Non-interest income 1,566 1,475 27% 26% 775 75% 74% 74% 73% 2020 2021 1H 2021 1H 2022 2020 2021 1H 2021 1H 2022 0.82% Return on average assets (%) 1.15% 1.05% 1.42% Return on average equity (%) 10.2% 9.2% 7.0% 13.6% 2020 2021 1H 2021 1H 2022 2020 2021 1H 2021 1H 2022 National Bank of Kuwait 21

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