Funding & Liquidity Highlights

Credit quality improving with market leading coverage Highlights Income Liquidity Risk Expenses Capital Divisional 16 Impaired loans and allowances 6.2 6.3 6.4 6.1 5.8 37.1 37.2 37.9 37.7 37.9 29.2 29.2 29.5 28.3 26.6 133.3 126.7 128.5 127.5 Q3 21 Q4 21 Q1 22 Q2 22 Impaired Loans (AED Bn) * Impairment Allowances (AED Bn) Coverage ratio (%) NPL Ratio (%) Coverage by Stage* 142.6 Q3 22 Stagewise ECL (AED bn) 37.2 37.9 Stage 1 1.0% 22.2% 1.1 % 25.5% 3.8 4.4 Stage 1 Stage 2 6.9 7.6 Stage 2 Stage 3 97.2 % 90.6% Stage 3 26.4 25.9 Key Highlights NPL ratio improved by 0.3% to 5.8% in Q3-22 on continued strong writebacks and recoveries Coverage ratio strengthened 9.3% to 142.6% in Q3-22 S3 coverage increased to 97.2% as writeback and recoveries reduced impaired loan balances S2 coverage increased due to a movement in MEV assumptions Strong coverage maintained as higher interest rates may create challenges in future quarters • 90 bps cost of risk for 9M'22 better than guidance at this point Total Gross Loans FY-21 Q3-22 FY-21 Q3-22 * Includes purchase originated credit impaired loans of AED 0.8 bn (Dec-21: AED 1bn) acquired at fair value / **Stage 3 coverage adjusted for POCI acquired at FV Q3-22 AED 457bn Stage 1 87.6% 86.8% Stage 2 6.8% 6.6% FY-21 AED 459bn 6.3% Stage 3 5.8% 19

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