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Latest Annual Report

Latest Annual Report

Download Annual Report

NBK Annual Report 2023

Investor Toolkit

NBK Investor Toolkit.

As part of our ongoing commitment to improve our communication streams with the investment community, NBK Investors' Toolkit provides an overall insight to our Financial Performance, Share Overview in addition to the Group's Fact Sheet.

Investor Presentations

We provide timely and relevant Investor Presentations reflecting the most recent financial as well as non-financial information.

We provide timely and relevant Investor Presentations reflecting the most recent financial as well as non-financial information. View and download our latest Investor Presentations.

Latest Investor Presentations

NBK 2Q 2024 Investor Presentation

NBK 1Q 2024 Investor Presentation

NBK FY 2023 Investor Presentation

NBK 3Q 2023 Investor Presentation

NBK 2Q 2023 Investor Presentation

NBK 1Q 2023 Investor Presentation

NBK FY 2022 Investor Presentation

NBK 3Q 2022 Investor Presentation

NBK 2Q 2022 Investor Presentation

NBK 1Q 2022 Investor Presentation

NBK FY 2021 Investor Presentation

NBK 3Q 2021 Investor Presentation

NBK 2Q 2021 Investor Presentation

NBK 1Q 2021 Investor Presentation

NBK FY 2020 Investor Presentation

NBK 3Q 2020 Investor Presentation

NBK 2Q 2020 Investor Presentation

NBK 1Q 2020 Investor Presentation

NBK FY 2019 Investor Presentation

NBK 3Q 2019 Investor Presentation

NBK 2Q 2019 Investor Presentation

NBK 1Q 2019 Investor Presentation

NBK FY 2018 Investor Presentation

NBK 3Q 2018 Investor Presentation

NBK 2Q 2018 Investor Presentation

NBK 1Q 2018 Investor Presentation

NBK FY 2017 Investor Presentation

NBK 3Q 2017 Investor Presentation

NBK 2Q 2017 Investor Presentation

NBK 1Q 2017 Investor Presentation

NBK FY 2016 Investor Presentation

NBK 3Q 2016 Investor Presentation

NBK 2Q 2016 Investor Presentation

NBK 1Q 2016 Investor Presentation

NBK FY 2015 Investor Presentation

NBK 3Q 2015 Investor Presentation

NBK 2Q 2015 Investor Presentation

NBK 1Q 2015 Investor Presentation

Investors/Analyst Conference Calls

Investors/Analyst Conference Calls

Download Investor/Analyst Conference Calls

NBK 2Q 2024 Earnings Call Transcript

NBK 2Q 2024 Earnings Call Presentation

NBK 1Q 2024 Earnings Call Transcript

NBK 1Q 2024 Earnings Call Presentation

NBK FY 2023 Earnings Call Transcript

NBK FY 2023 Earnings Call Presentation

NBK 3Q 2023 Earnings Call Transcript

NBK 3Q 2023 Earnings Call Presentation

NBK 2Q 2023 Earnings Call Transcript

NBK 2Q 2023 Earnings Call Presentation

NBK 1Q 2023 Earnings Call Transcript

NBK 1Q 2023 Earnings Call Presentation

NBK FY 2022 Earnings Call Transcript

NBK FY 2022 Earnings Call Presentation

NBK 3Q 2022 Earnings Call Transcript

NBK 3Q 2022 Earnings Call Presentation

NBK 2Q 2022 Earnings Call Transcript

NBK 2Q 2022 Earnings Call Presentation

NBK 1Q 2022 Earnings Call Transcript

NBK 1Q 2022 Earnings Call Presentation

NBK FY 2021 Earnings Call Transcript

NBK FY 2021 Earnings Call Presentation

NBK 3Q 2021 Earnings Call Transcript

NBK 3Q 2021 Earnings Call Presentation

NBK 2Q 2021 Earnings Call Transcript

NBK 2Q 2021 Earnings Call Presentation

NBK 1Q 2021 Earnings Call Transcript

NBK 1Q 2021 Earnings Call Presentation

NBK FY 2020 Earnings Call Transcript

NBK FY 2020 Earnings Call Presentation

NBK 3Q 2020 Earnings Call Transcript

NBK 3Q 2020 Earnings Call Presentation

NBK 1Q/2Q 2020 Earnings Call Transcript

NBK 1Q/2Q 2020 Earnings Call Presentation

NBK FY 2019 Earnings Call Transcript

NBK FY 2019 Earnings Call Presentation

NBK 3Q 2019 Earnings Call Transcript

NBK 3Q 2019 Earnings Call Presentation

NBK Q2 2019 Earnings Call Transcript

NBK 2Q 2019 Earnings Call Presentation

NBK 1Q 2019 Earnings Call Transcript

NBK 1Q 2019 Earnings Call Presentation

NBK FY 2018 Earnings Call Transcript

NBK FY 2018 Earnings Call Presentation

NBK 3Q 2018 Earnings Call Transcript

NBK 3Q 2018 Earnings Call Presentation

NBK 2Q 2018 Earnings Call Transcript

NBK 2Q 2018 Earnings Call Presentation

NBK 1Q 2018 Earnings Call Transcript

NBK 1Q 2018 Earnings Call Presentation

Financial Reports

Access NBK’s financial reports to view the Bank’s financial performance.

Date Annual File type
31.12.2023 NBK Annual Report 2023
31.12.2023 NBK Financial Statements 2023
31.12.2023 NBK Liquidity Disclosure 4Q 2023
31.12.2023 NBK NSFR Disclosure 4Q 2023
31.12.2022 NBK Annual Report 2022
31.12.2022 NBK Financial Statements 2022
31.12.2022 NBK Liquidity Disclosure 4Q 2022
31.12.2022 NBK NSFR Disclosure 4Q 2022
31.12.2021 NBK Annual Report 2021
31.12.2021 NBK Financial Statements 2021
31.12.2021 NBK Liquidity Disclosure 4Q 2021
31.12.2021 NBK NSFR Disclosure 4Q 2021
31.12.2020 NBK Annual Report 2020
31.12.2020 NBK Financial Statements 2020
31.12.2020 NBK Liquidity Disclosure 4Q 2020
31.12.2020 NBK NSFR Disclosure 4Q 2020
31.12.2019 NBK Annual Report 2019
31.12.2019 NBK Financial Statements 2019
31.12.2019 NBK Liquidity Disclosure 4Q 2019
31.12.2019 NBK NSFR Disclosure 4Q 2019
31.12.2018 NBK Annual Report 2018
31.12.2018 NBK Financial Statements 2018
31.12.2018 NBK Liquidity Disclosure 4Q 2018
31.12.2018 NBK NSFR Disclosure 4Q 2018
31.12.2017 NBK Annual Report 2017
31.12.2017 NBK Financial Statements 2017
31.12.2017 NBK Liquidity Disclosure 4Q 2017
31.12.2016 NBK Annual Report 2016
31.12.2016 NBK Financial Statements 2016
31.12.2016 NBK Liquidity Disclosure 4Q 2016
31.12.2015 NBK Annual Report 2015
31.12.2015 NBK Liquidity Disclosure 4Q 2015
31.12.2014 NBK Annual Report 2014
31.12.2014 NBK Financial Statement 2014
31.12.2014 NBK International PLC Pillar 3 Disclosures 2014
31.12.2013 NBK Annual Report 2013
31.12.2013 NBK Financial Statements 2013
31.12.2012 NBK Annual Report 2012
31.12.2012 NBK Financial Statements 2012
31.12.2012 NBK at a glance 2012
Date Q4 File type
Date Q3 File type
30.09.2023 NBK Interim Financial Statements 3Q 2023
30.09.2023 NBK Liquidity Disclosure 3Q 2023
30.09.2023 NBK NSFR Disclosure 3Q 2023
30.09.2023 NBK Basel III Capital Disclosure 3Q 2023
30.09.2022 NBK Interim Financial Statements 3Q 2022
30.09.2022 NBK Liquidity Disclosure 3Q 2022
30.09.2022 NBK NSFR Disclosure 3Q 2022
30.09.2022 NBK Basel III Capital Disclosure 3Q 2022
30.09.2021 NBK Interim Financial Statements 3Q 2021
30.09.2021 NBK Liquidity Disclosure 3Q 2021
30.09.2021 NBK NSFR Disclosure 3Q 2021
30.09.2021 NBK Basel III Capital Disclosure 3Q 2021
30.09.2020 NBK Interim Financial Statements 3Q 2020
30.09.2020 NBK Liquidity Disclosure 3Q 2020
30.09.2020 NBK NSFR Disclosure 3Q 2020
30.09.2020 NBK Basel III Capital Disclosure 3Q 2020
30.09.2019 NBK Interim Financial Statements 3Q 2019
30.09.2019 NBK Liquidity Disclosure 3Q 2019
30.09.2019 NBK NSFR Disclosure 3Q 2019
30.09.2019 NBK Basel III Capital Disclosure 3Q 2019
30.09.2018 NBK Interim Financial Statements 3Q 2018
30.09.2018 NBK Basel III Capital Disclosure 3Q 2018
30.09.2018 NBK Liquidity Disclosure 3Q 2018
30.09.2018 NBK NSFR Disclosure 3Q 2018
30.09.2017 NBK Interim Financial Statements 3Q 2017
30.09.2017 NBK Basel III Capital Disclosure 3Q 2017
30.09.2017 NBK Liquidity Disclosure 3Q 2017
30.09.2016 NBK Interim Financial Statements 3Q 2016
30.09.2016 NBK Basel III Capital Disclosure 3Q 2016
30.09.2016 NBK Liquidity Disclosure 3Q 2016
30.09.2015 NBK Interim Financial Statements 3Q 2015
30.09.2014 NBK Interim Financial Statements 3Q 2014
30.09.2013 NBK Interim Financial Statements 3Q 2013
30.09.2012 NBK Interim Financial Statements 3Q 2012
Date Q2 File type
30.06.2024 NBK Interim Financial Statements 2Q 2024
30.06.2024 NBK Liquidity Disclosure 2Q 2024
30.06.2024 NBK NSFR Disclosure 2Q 2024
30.06.2024 NBK Basel III Capital Disclosure 2Q 2024
30.06.2023 NBK Interim Financial Statements 2Q 2023
30.06.2023 NBK Liquidity Disclosure 2Q 2023
30.06.2023 NBK NSFR Disclosure 2Q 2023
30.06.2023 NBK Basel III Capital Disclosure 2Q 2023
30.06.2022 NBK Financial Statements 2Q 2022
30.06.2022 NBK Liquidity Disclosure 2Q 2022
30.06.2022 NBK NSFR Disclosure 2Q 2022
30.06.2022 NBK Basel III Capital Disclosure 2Q 2022
30.06.2021 NBK Interim Financial Statements 2Q 2021
30.06.2021 NBK Liquidity Disclosure 2Q 2021
30.06.2021 NBK NSFR Disclosure 2Q 2021
30.06.2021 NBK Basel III Capital Disclosure 2Q 2021
30.06.2020 NBK Interim Financial Statements 2Q 2020
30.06.2020 NBK Liquidity Disclosure 2Q 2020
30.06.2020 NBK NSFR Disclosure 2Q 2020
30.06.2020 NBK Basel III Capital Disclosure 2Q 2020
30.06.2019 NBK Interim Financial Statements 2Q 2019
30.06.2018 NBK Interim Financial Statements 2Q 2018
30.06.2018 NBK Basel III Capital Disclosure 2Q 2018
30.06.2018 NBK Liquidity Disclosure 2Q 2018
30.06.2018 NBK NSFR Disclosure 2Q 2018
30.06.2017 NBK Interim Financial Statements 2Q 2017
30.06.2017 NBK Basel III Capital Disclosure 2Q 2017
30.06.2017 NBK Liquidity Disclosure 2Q 2017
30.06.2016 NBK Interim Financial Statements 2Q 2016
30.06.2016 NBK Basel III Capital Disclosure 2Q 2016
30.06.2016 NBK Liquidity Disclosure 2Q 2016
30.06.2015 NBK Interim Financial Statements 2Q 2015
30.06.2014 NBK Interim Financial Statements 2Q 2014
30.06.2013 NBK Interim Financial Statements 2Q 2013
30.06.2012 NBK Interim Financial Statements 2Q 2012
30.06.2019 NBK Liquidity Disclosure 2Q 2019
30.06.2019 NBK NSFR Disclosure 2Q 2019
30.06.2019 NBK Basel III Capital Disclosure 2Q 2019
Date Q1 File type
31.03.2024 NBK Interim Financial Statements 1Q 2024
31.03.2024 NBK Liquidity Disclosure 1Q 2024
31.03.2024 NBK NSFR Disclosure 1Q 2024
31.03.2024 NBK Basel III Capital Disclosure 1Q 2024
31.03.2023 NBK Interim Financial Statements 1Q 2023
31.03.2023 NBK Liquidity Disclosure 1Q 2023
31.03.2023 NBK NSFR Disclosure 1Q 2023
31.03.2023 NBK Basel III Capital Disclosure 1Q 2023
31.03.2022 NBK Interim Financial Statements 1Q 2022
31.03.2022 NBK Liquidity Disclosure 1Q 2022
31.03.2022 NBK NSFR Disclosure 1Q 2022
31.03.2022 NBK Basel III Capital Disclosure 1Q 2022
31.03.2021 NBK Interim Financial Statements 1Q 2021
31.03.2021 NBK Liquidity Disclosure 1Q 2021
31.03.2021 NBK NSFR Disclosure 1Q 2021
31.03.2021 NBK Basel III Capital Disclosure 1Q 2021
31.03.2020 NBK Interim Financial Statements 1Q 2020
31.03.2020 NBK Liquidity Disclosure 1Q 2020
31.03.2020 NBK NSFR Disclosure 1Q 2020
31.03.2020 NBK Basel III Capital Disclosure 1Q 2020
31.03.2019 NBK Interim Financial Statements 1Q 2019
31.03.2019 NBK Liquidity Disclosure 1Q 2019
31.03.2019 NBK NSFR Disclosure 1Q 2019
31.03.2019 NBK Basel III Capital Disclosure 1Q 2019
31.03.2018 NBK Interim Financial Statements 1Q 2018
31.03.2018 NBK Basel III Capital Disclosure 1Q 2018
31.03.2018 NBK Liquidity Disclosure 1Q 2018
31.03.2018 NBK NSFR Disclosure 1Q 2018
31.03.2017 NBK Interim Financial Statements 1Q 2017
31.03.2017 NBK Basel III Capital Disclosure 1Q 2017
31.03.2017 NBK Liquidity Disclosure 1Q 2017
31.03.2016 NBK Interim Financial Statements 1Q 2016
31.03.2016 NBK Basel III Capital Disclosure 1Q 2016
31.03.2016 NBK Liquidity Disclosure 1Q 2016
31.03.2015 NBK Interim Financial Statements 1Q 2015
31.03.2014 NBK Interim Financial Statements 1Q 2014
31.03.2013 NBK Interim Financial Statements 1Q 2013
31.03.2012 NBK Interim Financial Statements 1Q 2012

Debt Securities

Find, review and download documents related to NBK’s issued debt securities

DOWNLOAD DEBT SECURITIES DOCUMENTS

Issuer Programme Document
2023
NBK SPC Limited USD 5 Billion Global Medium Term Note Programme NBK SPC Limited GMTN Issuance Programme Supplement to Base Prospectus
NBK SPC Limited GMTN Issuance Programme Prospectus
NBK SPC Limited GMTN Issuance Programme Prospectus With K-Pages (Sep-2023)
NBK SPC Limited - Agency Agreement
NBK SPC Limited - Deed of Covenant
NBK SPC Limited - Deed of Guarantee
NBK SPC Limited - Deed Poll
2021
NBK Tier 1 Limited USD 700 Million Perpetual Tier 1 Capital Securities NBK Tier 1 Limited - Prospectus
NBK Tier 1 Limited - Articles of Association
NBK Tier 1 Limited - Certificate of Incorporation
NBK Tier 1 Limited - Agency Agreement
NBK Tier 1 Limited - Deed Poll
NBK Tier 1 Limited - Subordinated Guarantee
2020
NBK Tier 2 Limited NBK US$ Tier 2 Notes  NBK US$300mn Tier 2 – Prospectus
NBK Tier 2 Limited – Articles of Association
NBK Tier 2 Limited – Certificate of Incorporation
National Bank of Kuwait S.A.K.P. NBK KD Tier 2 Bonds NBK KD Tier 2 Bonds Prospectus
2019
NBK Tier 1 Financing (2) Limited USD 750 Million Perpetual Tier 1 Capital Securities NBK Tier 1 Financing (2) Prospectus
NBK Tier 1 Financing (2) Limited Articles of Association
NBK Tier 1 Financing (2) Certificate of Incorporation
NBK Tier 1 Financing (2) Agency Agreement
NBK Tier 1 Financing (2) Deed Poll
NBK Tier 1 Financing (2) Subordinated Guarantee
2017
NBK SPC Limited USD 3 Billion Global Medium Term Note Programme

NBK SPC Limited GMTN Issuance Programme Prospectus

NBK SPC Limited Articles of Association

2015
NBK Tier 1 Financing Limited USD 700 Million Perpetual Tier 1 Capital Securities NBK Tier 1 Financing Prospectus
Other Documents
NBK Memorandum and Articles of Association of National Bank of Kuwait S.A.K.P.

 

For more information about our debt securities, download the debt securities summary sheet below

ESG Profile

ESG Profile shares our sustainability-related commitments, activities and initiatives, as well as our performance and progress against these goals. NBK is increasingly in the purview of external regional and global ESG rating agencies. Our goal is to celebrate our successes, but also, to communicate our challenges transparently.

NBK ESG Investor Presentations

NBK ESG Investor Presentation – August 2024

Barclays ESG EM Conference - June 2024

NBK ESG Investor Presentation – September 2023

Sustainable Finance

Sustainable Finance Documents

Sustainable Financing Framework

Second Party Opinion (SPO)

Credit Rating and Awards

NBK holds one of the highest credit ratings and a long history of awards and recognitions. Access all details about NBK’s credit ratings and awards.

Ratings

Awards

Bank Level

Global Finance Award

Global Finance

2024

Best Bank for ESG-Related Loans in the Middle East

2022 - 2024

Best SME Bank Kuwait

2019, 2023, 2024

Best Bank for Cash Management in Kuwait

2014 - 2024

Best Bank in Kuwait

2014 - 2024

Best Foreign Exchange Provider in Kuwait

2014 - 2018, 2020 - 2024

Best Trade Finance Bank in Kuwait

2023

Best User Experience (UX) Design - Kuwait

2023

Best Innovation and Transformation - Global

2023

Best Innovation and Transformation - Middle East

2023

Best Innovation and Transformation - Kuwait

2023

Top Innovations in Finance

2023

Best Private Bank Sustainable Investing in the Middle East

2022, 2023

Best Mobile Banking App - ME

2021, 2023

Best in Social Media Marketing and Services - Kuwait

2021 - 2023

Best Bill Payment & Presentment - Kuwait

2021 - 2023

Best Online Product Offerings - Kuwait

2021 - 2023

Best Online Product Offerings - Middle East

2021, 2023

Best Financial Innovation Labs in Kuwait

2020 - 2023

Best Consumer Digital Bank in Middle East

2018 - 2023

Best Consumer Digital Bank in Kuwait

2018, 2021 - 2023

Best Mobile Banking App - Kuwait

2014 - 2017, 2019 - 2021, 2023

Best Foreign Exchange Provider in the Middle East

2022

Best in Lending - ME

2022

Best Bank for Sustainable Finance in Kuwait

2022

Most Innovative Private Bank Middle East

2021, 2022

Most Innovative Digital Bank - Kuwait

2021, 2022

Most Innovative Digital Bank - Middle East

2021, 2022

Best in Lending - Kuwait

2020, 2021

World’s Top 50 Safest Commercial Banks

2015 - 2022

Best Private Banking in Kuwait

2019

Best Bank for Liquidity Management in the Middle East

2019

Best Emerging Markets Bank Worldwide

2019

The Innovators - Real Time End-To-End Payment Tracking on Customer Payment

2018 - 2019

Best in Mobile Banking - Consumer in Kuwait

2014- 2019

World’s Top 50 Safest Banks for 14 consecutive times

2016

Best Bank for Financial Risk Management Kuwait

2016

Best Bank for Financial Risk Management Middle East

2016

Best Innovator in Trade Finance

2014 - 2016

Best Emerging Market Bank in Kuwait

2015

Best Bank in the Middle East

2015

Best Emerging Market Bank in the Middle East

Euromoney award

Euro Money

2024

Best Bank for SMEs in Kuwait

2022, 2024

Best Bank for Diversity & Inclusion in Kuwait

2018, 2023

Best Cash Management for Non-Financial Institutions in Kuwait

2023

Best Bank for Corporate Responsibility in the Middle East

2022

Best Bank for ESG in Kuwait

2022

Best Bank for Digital Solutions in Kuwait

2022

Best Private Bank/Technology: Innovative or Emerging Technology Adoption in Kuwait

2022

Best Private Bank/Wealth Manager for Mass/Super Affluent Clients in Kuwait

2022

Best Private Bank/Wealth Manager for Ultra High Net worth Clients in Kuwait

2014 - 2018, 2021

Best Bank in Kuwait

2015 - 2018

Best Private Banking in Kuwait

The Banker award

The Banker

2014 - 2019, 2021, 2022

Bank of The Year - Kuwait

2021, 2022

Innovation in Digital Banking Award - Middle East

2022

Bank of The Year - Middle East

Brand Finance Rating

Brand Finance

2015 - 2024

Number 1 Banking Brand in Kuwait

MEED rating

MEED

2024

Best Innovation Programme

2024

Excellence in Sustainable Investment

2021 - 2024

Best Retail Bank in Kuwait

2023

Best Initiative for Women in Business

2023

Best Implementation of Diversity & Inclusion Initiatives

2023

Excellence in Service - Priority Banking

2022, 2023

Best Youth Program Initiative

2022

Best Credit Card Initiative in MENA

2021

Best Loyalty/Rewards Programme in the Middle East

Investor Relations Contact

If you have any inquiries, please contact NBK's Investor Relations unit:

EmailInvestor-Relations@nbk.com 

National Bank of Kuwait (NBK)

PO Box 95, 13001 Safat Kuwait
Abdullah Al Ahmad Street, Sharq
State of Kuwait.