Funding & Liquidity Highlights

* Improving loans and deposit mix Gross Loans by Type All figures are in AED bn -1% 475 459 463 463 457 DenizBank 79 65 65 66 66 EI* 47 47 50 52 52 Retail 54 56 59 61 63 Sovereign 158 152 139 124 114 Corporate 138 139 150 160 163 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Deposits by Type • Highlights Income Liquidity Risk Expenses Capital Divisional 10 Key Highlights Gross lending ex. Sovereign grew up 12% (AED 36 bn) in 9M'22 Retail lending up 13% (AED 7 bn) with strong demand across all products Corporate lending ex. Sovereign up 17% (AED 24 bn) El Financing and Receivables up 11% (AED 5 bn) DenizBank's gross loans up 2%, after FX Deposit mix improved in 9M'22 with AED 18bn increase in CASA balance despite rising interest rates reflecting strong liquidity CASA represents 63% of total Group deposits DenizBank's deposits up 59%% in 9M'22 in local currency Gross Loans by Sector (%) Net Loans by Geography (%) All figures are in AED bn +5% 7 481 467 469 468 Other 3% Agric. 1% 456 Manuf. 5% DenizBank 78 70 79 73 69 Trans & 10 8 10 13 16 Other 117 134 124 118 114 Time 272 264 272 246 254 CASA Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Services 11% Trade 7% Construction & Hotels 5% O FI & Mgmt Cos 9% Real estate 10% Sovereign 25% International 25% GCC 2% UAE 73% Personal 24% Gross Islamic Financing Net of Deferred Income 18

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