DIB's Digital Journey

Segmental Overview - Treasury Management Commentary • • Gross Financing and Sukuk Investments increased 9% YTD, to AED 42 billion, despite the challenging environment. Large improvement in net operating revenue (+29% YoY) to nearly AED 1 billion. Rising revenues supported by growth in both net funded income and fees & commissions (+27% YoY, and +32% YoY, respectively). Treasury yields remained stable at nearly 4%. Segment Gross Financing & Sukuk (AED bn) 35 2019 38 Breakdown by Portfolio – June 2021 - بنك دبي الإسلامي Dubai Islamic Bank #Ready For TheNew Revenue Trends (AED mn)* Services, 9% Aviation, 3% 996 Real Estate, 8% Financial Institutions, 14% 770 489 3.94% 370 AED 42 bn 3.72% 507 400 42 2020 ■Gross Financing & Sukuk 1H2021 *Based on shadow accounting for fees and commissions Government, 66% 1H2020 1H2021 Fees & Commission, Others O Net Funded Income Yield on Financing & Sukuk CASA (AED mn) 48 238 185 301 2019 2020 Current Account 55 492 1H2021 Savings Account 12

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