60 Years Together

Funding & Liquidity remains very healthy Advances to Deposit and Liquidity Coverage Ratio (%) Key Highlights 217 • LCR of 217% and ADR of 79% demonstrate healthy liquidity 220 105 IADR % -LCR % 100 187 182 180 95 155 152 90 140 85 91 100 87 80 83 80 79 75 60 Q2-22 Q3-22 Q4-22 Q1-23 02-23 Composition of Liabilities and Debt Issued (%) Customer Deposits 78% . . • Liquid assets* of AED 82 billion cover 12% of total liabilities, 15% of deposits AED 9 bn of term debt issued in 2023 already fully covers 2023 maturities AED 4.8 bn maturities in remainder of 2023 ENBD and EI successfully issued AED 1 bn public bond and sukuk DenizBank raised over $530m equivalent through DPR in May with 4.1-year WAL and successfully rolled over $530m equivalent syndicated loan in June with 117% roll-over ratio Maturity Profile of Debt/Sukuk Issued AED 62.0 bn 19.7 11.4 10.5 11.1 0.4 Banks 5% 0.4 0.3 19.7 4.6 6.4 4.8 Others 8% 11.0 10.1 0.3 1.5 Debt/Sukuk 9% 3.3 4.3 4.3 2023 2024 2025 2026 2027 Beyond 2027 ■ENBD ■Club Deal DenizBank * Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 24

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