National Bank Of Kuwait K.s.c. · KSE:NBK
National Bank Of Kuwait K.s.c — National Bank of Kuwait — ESG Presentation (July 2025)
39 slides from National Bank Of Kuwait K.s.c's sustainability presentation, July 2025
Slide 1: Leading with Purpose: Pioneering Sustainability in Finance
PUBLIC Leading with Purpose: Pioneering Sustainability in Finance ESG Investor Presentation July 2025 2025 ESG Investor Presentation National Bank of Kuwait 1
Slide 2: Disclaimer
PUBLIC Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION
Slide 3: Index
PUBLIC Index Our Key ESG Highlights 4 NBK ESG Strategy and Approach 6 Responsible Banking 11 Governance For Resilience 21 Capitalizing on Our Capabilities 27 Investing in Our Communities 30 Data Performance Tables 33 ESG Disclosures 37 2025 ESG Investor Presentation National Bank of Kuwait 3
Slide 4: Our Key ESG Highlights
PUBLIC Our Key ESG Highlights 2025 ESG Investor Presentation National Bank of Kuwait 4
Slide 5: ESG at a Glance
PUBLIC ESG at a Glance Responsible Governance For Capitalizing on Our Investing in Our Banking Resilience Capabilities Communities Climate Action ESG Governance Workplace Diversity Financial Inclusion Committed to become carbon neutral by 2060 Finalized and approved a Group-level ESG Policy Women in
Slide 6: NBK ESG Strategy and Approach
PUBLIC NBK ESG Strategy and Approach 2025 ESG Investor Presentation National Bank of Kuwait 6
Slide 7: Stakeholder Impact and Engagement
PUBLIC Stakeholder Impact and Engagement Determining what ESG-related risks, issues, impacts and opportunities are most important for NBK, and its stakeholders is a critical element in formulating and defining the Group’s ESG Strategy. In 2024, NBK updated its materiality assessment based on the dou
Slide 8: NBK Group ESG Strategy Framework
PUBLIC NBK Group ESG Strategy Framework 2025 ESG Investor Presentation National Bank of Kuwait 8
Slide 9: Our Ambitious 3-Year ESG Strategy Roadmap
PUBLIC Our Ambitious 3-Year ESG Strategy Roadmap The Group’s ESG Strategy is supported by key targets and commitments in those areas we have the greatest potential, developed to support a sustainable and equitable transition to a low carbon economy and deliver a positive social impact on people and
Slide 10: External Engagement and Recognition
PUBLIC External Engagement and Recognition ESG Ratings* ESG Awards & Partnerships National and Global Frameworks Upgraded to “A” from “BBB” Global Finance 2024 Best in Innovation – Global Best Bank for ESG-Related Loans – Middle East Significantly improved to Best SME Bank Award – Kuwait 19.4
Slide 11: Responsible Banking
PUBLIC Responsible Banking 2025 ESG Investor Presentation National Bank of Kuwait 11
Slide 12: Transition to Low Carbon Economy
PUBLIC Transition to Low Carbon Economy Contributing to economic, social and environmental development, whether through our operations or engaging with our clients to adopt sustainable practices by financing their transitions, has always been one of NBK’s strategic focuses. Responsible Banking outli
Slide 13: NBK's Outlook of a Climate Transition Pathway
PUBLIC NBK’s Outlook of a Climate Transition Pathway In January 2023, NBK committed to achieving carbon neutrality by 2060 and has taken significant steps since to reduce and manage its impact on the environmental as a result of its operations and business activities, including setting an interim op
Slide 14: Financing the Transition
PUBLIC Financing the Transition NBK defines sustainable finance as the process of taking into consideration environmental and social factors in the bank’s various activities. This includes designated financing and lending to our clients to support them achieve their environmental and social goals, i
Slide 15: Sustainable Finance Triumphs
PUBLIC Sustainable Finance Triumphs NBK has identified a portfolio of sustainable assets amounting approximately The USD 2.52 billion sustainable loans are identified USD 4.97 billion sustainable assets as of 31 December 2024 at the Group-level, at the Group-level and are categorized as follows: mon
Slide 16: NBK Sustainable Financing Framework
PUBLIC NBK Sustainable Financing Framework Expanding our sustainable financing activities in line with industry leading practices and standards. NBK established a Sustainable Financing Framework to support and advance NBK’s goal to integrate critical ESG issues into the business, culture and operati
Slide 17: Debut Green Bond
PUBLIC Debut Green Bond In June 2024, NBK successfully issued its debut 6NC5 green bond, raising USD 500 million to support the financing of low-carbon initiatives; the first of its kind out of Kuwait. By issuing this green bond, NBK strengthens its dedication to environmental stewardship and climat
Slide 18: Green Bond Allocation Progress & Impact
PUBLIC Green Bond Allocation Progress & Impact In May 2025, NBK published its first Green Bond Allocation & Impact Report, providing its investors and key stakeholders with clear and traceable information of the use of the green bond proceeds in eligible green projects in line with the ICMA guidance
Slide 19: Responsible Operations and Supply Chain
PUBLIC Responsible Operations and Supply Chain Established 3 key targets to magnify our reduction in Embedding ESG in procurement and supply chain energy consumption: practices: 1. Convert most branches and other NBK Integrated ESG factors into NBK-Kuwait Procurement Policy as well as the building
Slide 20: Environmental Footprint from Operations
PUBLIC Environmental Footprint from Operations NBK has consistently demonstrated its commitment to environmental sustainability by diligently measuring and managing its Greenhouse Gas (GHG) emissions. This commitment is reflected in our comprehensive GHG emissions inventory, which provides a detaile
Slide 21: Governance For Resilience
PUBLIC Governance For Resilience 2025 ESG Investor Presentation National Bank of Kuwait 21
Slide 22: Building Robust ESG Governance
PUBLIC Building Robust ESG Governance NBK is committed to robust ethical standards that are hand-in-hand with comprehensive strategic planning and effective, transparent, and reliable Governance and Risk Management structures, policies, and processes. Our Approach Key Highlights Alignment with Globa
Slide 23: Board Composition
PUBLIC Board Composition Number of Independent Women on Average Tenure Industry Directors Directors Board (Years) Experience 11 36% 9.1% 10 100% 4 out of 11 Board members NBK Group Board of 11 out of 11 Board members are independent with NBK elected its first female Average length of tenure on Direc
Slide 24: A Modular ESG Governance Framework
PUBLIC A Modular ESG Governance Framework The Board has the ultimate responsibility to implement the Group’s ESG direction and Board of Directors strategy. The Board’s charters and responsibilities were updated to include ESG-specific mandate. In conjunction with strategy oversight, the Board
Slide 25: Sustainability Committees: Overview
PUBLIC Sustainability Committees: Overview In developing our ESG Governance Model we adopted a modular approach, bringing together a diverse group of The Sustainability & Climate Change Committee and its five stakeholders across the Bank. We believe developing a modular governance model can be more
Slide 26: Climate Risk Management
PUBLIC Climate Risk Management NBK is committed to developing economic, environmental, and social risk resilience across the Group. Building an ESG risk culture across the Bank is equally important for setting an effective and robust ESG governance structure. NBK Kuwait NBK International Branches an
Slide 27: Capitalizing on Our Capabilities
PUBLIC Capitalizing on Our Capabilities 2025 ESG Investor Presentation National Bank of Kuwait 27
Slide 28: Developing a Diverse, Inclusive, and Agile Workforce
PUBLIC Developing a Diverse, Inclusive, and Agile Workforce The essential ambition of NBK’s Capitalizing on our Capabilities strategy pillar is to drive sustainable business growth achieved through organizational resilience. This starts with our workplace management, our policies, culture, practices
Slide 29: Digitalization at the Core
PUBLIC Digitalization at the Core In line with NBK’s ESG strategy pillar of ‘Capitalizing on our Capabilities’ and its commitment to “establish a digital and agile work environment”, and driven by the Group’s Digital Transformation Strategy, developing innovative digital solutions is key for the sea
Slide 30: Investing in Our Communities
PUBLIC Investing in Our Communities 2025 ESG Investor Presentation National Bank of Kuwait 30
Slide 31: Our Approach to Community Development
PUBLIC Our Approach to Community Development Investing in our Communities is one of the four key strategic pillars of NBK’s ESG Strategy. NBK’s community investment focuses on providing optimal customer service and advocacy, increasing financial inclusion, accessibility and literacy, and ensuring cu
Slide 32: Making a Positive Impact on our Communities
PUBLIC Making a Positive Impact on our Communities Our goal is to optimize our social impact and prioritize our ongoing substantial commitment to community development. NBK intends to uphold its strong legacy of maximizing the social impact of our businesses and operations while contributing activel
Slide 33: Data Performance Tables
PUBLIC Data Performance Tables 2025 ESG Investor Presentation National Bank of Kuwait 33
Slide 34: Environmental
PUBLIC Environmental Metric Calculation 2024 2023 E1.1) Total amount, in CO2 equivalents, for Scope 1 (if applicable) 2,847.92 tCO2e 2,537.11 mtCO2e GHG Emissions E1.2) Total amount, in CO2 equivalents, for Scope 2 (if applicable) 24,969.08 tCO2e 31,072.16 mtCO2e E1.3) Total amount, in CO2 equivalen
Slide 35: Social
PUBLIC Social Metric Calculation 2024 2023 In 2023, NBK reported mean and median salaries per Ratio: Median male compensation to median female Grade/Level. There is an almost 1-to-1 parity between Gender Pay Ratio N/A compensation female and male compensation (median and mean) when examining it on a
Slide 36: Governance
PUBLIC Governance Metric Calculation 2024 2023 91% male representation 91% male representation G1.1) Percentage: Total board seats occupied by men and women Board Diversity 9% female representation 9% female representation G1.2) Percentage: Committee chairs occupied by men and women 100% occupied by
Slide 37: NBK ESG Disclosures
PUBLIC NBK ESG Disclosures 2025 ESG Investor Presentation National Bank of Kuwait 37
Slide 38: ESG Disclosures & Publications
PUBLIC ESG Disclosures & Publications 2024 Sustainability Report 2024 TCFD Report 2025 Green Bond To view our latest Allocation & Impact Report Sustainability Policies, visit: NBK | Sustainability Policies To view our Sustainable Financing Framework & SPO, visit: NBK | Sustainable Finance Click to A
Slide 39: Thank You.
PUBLIC For more information, please visit nbk.com or contact: Investor Relations E: Investor-Relations@nbk.com Thank You. Sustainability E: Sustainability@nbk.com National Bank of Kuwait (NBK) PO Box 95, 13001 Safat Kuwait, Al Shuhada Street, Block 7, Sharq, State of Kuwait 2025 ESG Investor Present
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