Investor Presentation Q3 2021

Consistently profitable due to diversified and resilient business model 9.1% 9.3% 8.8% 10.5% 15.7% 19.7% 18.0% 2.6 2010 18.8% 20.3% 16.5% 9.5% 13.2% Net Profit '10-'20 CAGR: 11% Operating Revenue '10-'20 CAGR: 8% 4.7 4.2 4.1 4.0 2.7 2.3 1.9 2.0 0.6 2.7 2.8 3.2 LLL 0.7 0.7 0.9 3.9 LI 1.4 2011 2012 2013 2014 2015 ■Operating Revenue (AED Bn) ■Net Profit (AED Bn) 2016 2017 2018 6.3 6.1 4.0 4.7 1.9 2.0 2019 2020 Q3 2021 YTD Return on Average Tangible Equity Excl. NI gain for 2019 11

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