Investor Presentaiton

Asset Quality (contd.) Islamic financing and investing assets (Gross Exposure by stages) Stage 1 (AED million) Stage 2 (AED million) Gross Exposure ECL Coverage* Gross Exposure ECL Coverage* بنك دبي الإسلامي Stage 3 (AED million) Dubai Islamic Bank #Ready For TheNew Gross Exposure - ECL Coverage* 1.0% 9.1% 68.3% 65.4% 0.8% 7.5% 7.4% 62.9% 0.8% 61.2% 0.7% 0.7% 6.7% 5.6% 56.7% 12,898 12,865 12,986 15,599 18,232 18,433 14,327 13,784 166,251 167,373 177,036 182,532 19,805 162,028 T 2021 2022 H1 2023 9M 2023 FY 2023 2021 2022 H1 2023 9M2023 FY 2023 Expected Credit Loss Provision Balance (AED million) * Stage 1 Stage 2 Stage 3 and POCI 6,943 6,693 6,895 7,150 6,677 9621,021 9831,117 1,220 886 1,303 877 1,274 951 2021 2022 H1 2023 9M 2023 FY 2023 Note: Including Noor Bank acquisition adjustments. 11,497 T 2021 2022 H1 2023 9M 2023 FY 2023 Highlights • • • Stage 2 financing dropped to AED 14 billion down by 8% YoY on the back of improvement towards average risk grades. Stage 2 coverage accordingly improved to 9.1% up 160 bps from 7.5% at YE 2022. Stage 3 financing also significantly dropped to AED 11.5 billion due to successful settlements from both consumer and corporate clients. 17

View entire presentation