DIB's Digital Journey

Key sectors showing signs of improvement, with the economy opening up further UAE Banking Assets (AED bn) UAE Banks CAGR: 5% 2,459 2,593 2,694 2,868 3,083 3,188 3,176 UAE Islamic Banks CAGR: 5% UAE Annual GDP Growth Rates بنك دبي الإسلامي Dubai Islamic Bank #Ready For TheNew UAE Banks' Capital Adequacy Ratios (CAR) UAE Banks CAR UAE Islamic Banks CAR 20.0% 18.1% 17.5% 17.7% 18.3% 583 550 573 601 604 506 464 II 18.1% 17.9% 17.3% 17.6% 16.4% 2015 2016 2017 2018 2019 2020 Mar 2015 2016 2017 2018 2019 2020 2021 Mar 2021 2017 2018 2019 2020 Mar 2021 Dubai Real Estate Market - Number of Transactions Off Plan Sale YoY: +137% 7,500 YTD: +197% 2019 2020E 2021F 2022F 6,000 Overall GDP 4,500 1.7% -6.1% 2.4% 3.8% 3,000 Non-Oil 1.0% -6.2% 3.8% 3.9% GDP 1,500 Sources: CBUAE, Dubai Land Department 0 Mar 20 Apr 20 May 20 Jun 20 Jul 20 Aug 20 Sep 20 Oct 20 Nov 20 Existing Properties Sale YoY: +204% Dec 20 Jan 21 Feb 21 YTD: +58% Mar 21 Apr 21 May 21 Jun 21 5

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