NBK is so over reliant on loans and GSec, with very little coming from other incomes, this always causes problems when interest rates and inflation rise.
The management should diversify its income streams, full yr result will definitely be disappointing if they maintain the same investment strategy.
'......to the acknowledgment of the mystery of God, and of the Father, and of Christ; 3 In whom are hid all the treasures of wisdom and knowledge.' Colossians 2:2-3