RAKBANK Investor Presentation - Q3/9M 2021

RAKBANK Investor Presentation - Q3/9M 2021 Profitability Profitability [AED Bn] Total Income Net Profit 4.0 3.8 3.8 3.6 2.8 LLL 0.8 +21.9% -11.5% 2.4 1.1 0.9 0.5 0.4 0.5 Cost-to-Income Ratio RAKBANK Simply Better 39.5% 39.2% 38.9% 38.0% 37.4% 42.0% Dec '17 Dec '18 Dec '19 Dec '20 Sep'20 Sep'21 Dec '17 Dec '18 Dec '19 Dec '20 Sep'20 Sep'21 Annualize Returns ―ROE ROA 14.9% 13.5% 10.6% 9.0% 7.6% 6.5% 1.4% 1.8% 1.8% 2.0% 0.9% 1.1% Net Interest Margin 6.1% 5.5% 5.1% 4.6% 4.7% 4.1% Dec '17 Dec '18 Dec '19 Dec '20 Sep'20 Sep'21 Dec '17 Dec '18 Dec '19 Dec '20 Sep'20 Sep'21 9

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