Executive Summary H1 23 Results

Stable Shareholder Base and Diversified Business Model Split of Ownership - Anchored by the Government of Dubai Ownership structure as of 31 March 2023 Others 39% Capital Assets 5% Investment Corporation • • of Dubai 56% Key Highlights . A flagship bank for the Government of Dubai and the UAE Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 14.1% on 14 July 2023 Dividend per share grew 150% since 2013 Dividend per share growth (CAGR) of 10% p.a. 0.60 Equity Analysts Coverage 0.50 Buy Hold Sell 0.40 0.40 0.40 0.40 0.40 0.40 0.35 0.25 Recommendation Average Target Price Price as of 19 September 2023 H1-2023 EPS 14 1 19.51 17.90 1.90 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 All figures in AED 6

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