Investor Presentaiton

Non-funded income Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights FY-21 fee and commission income up 15% y-o-y Higher transaction volumes due to increased activity Improved brokerage and asset management fee • FX and derivative income up q-o-q - - Increased FX client business Hedging and swaps relating to DenizBank • Investment securities income up due to gain on sale of securities Non-funded income (AED mn) FY-21 FY-20 Better / (Worse) • Fee and Commission income 6,475 5,627 15% Fee and Commission expense (2,639) (1,972) (34)% Net Fee and Commission Income 3,836 3,655 5% Other operating income 2,910 1,889 54% Gain/loss on trading securities 151 180 Total Non-funded income 6,897 5,724 (16)% 21% Fee and Commission Income (AED mn) • Other includes AED 0.3 bn gain from Dubai Bank 1,767 53 1,605 220 1,565 1,538 92 81 1,326 113 Brokerage &AM 227 192 44 199 192 Trade finance 914 1,494 1,286 1,293 1,232 Fee income 1,083 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 585 Other Operating Income (AED mn) 1,378 921 FX & Derivative 379 239 Property & Other 191 174 83 32 430 3 98 155 199 166 -17- -8- 23. Q4 20 Q1 21 Q2 21 Q3 21 28. Q4 21 Investment Sec. 17

View entire presentation