1. Asset Structure Assets Cash on Hand and in Current Accounts 86 Deposits Maturing within one Month441 Balances with the Central Bank57 Government Debt Instruments412.9 Deposits with banks/financial institutions313.7 Loans3306.8 Investments available for sale242.9 Fixed Assets23.3 Total Assets5083

2. Liability Structure Liabilities Deposits from other banks301.6 Deposits from financial institutions874.5 Customer deposits3191.3 Total Deposits4367.4 Floating rate notes54.6 Subordinated loans81.9 Total Liabilities4592.3 Equity490.6 Share capital109 Retained earnings125.5 Total liabilities and equity5083

3. Income Statement A. Interest income (from loans and interbank deposits)315.3 B. Interest expenses (on deposits and borrowings)208.7 Net Interest income (A-B)105.5 Fees and commissions23.4 Net gains from dealing in foreign currencies14.9 Dividend income0.77 Income from disposal of investments available for sale48.7 Operating Income195.6 Staff expenses22.1 Occupancy costs1.8 Depreciation2.2 Operating expenses36.4 Operating Profit135.3

4. Continue…Income Statement Operating Profit135.329 Contribution to Kuwait Fund for the Advancement of Sciences 1.354 Directors’ emoluments 0.108 National Labor Support Tax 3.347 Zakat.083 Net Profit130.437 Earnings per Share (Fils)122.142