Funding & Liquidity Highlights

Non-funded Income Non-funded income Q3-22 Q3-21 All figures are in AED mn Better / (Worse) Q2-22 Better / (Worse) Fee and Commission income 1,806 1,565 15% 1,782 1% Fee and Commission expense (744) (654) (14)% (714) (4)% Net Fee and Commission Income 1,062 911 17% 1,068 (1)% Other operating income 1,388 379 266% 1,552 (11)% Gain/loss on trading securities (45) 23 (296)% 32 (242)% Total Non-funded income 2,404 1,313 83% 2,652 (9)% Fee and Commission Income All figures are in AED mn 1,565 1,538 1,527 1,782 63 231 1,806 54 218 Brokerage & AM fees 81 113 58 Trade Finance 192 192 198 16 Highlights Income Liquidity Risk Expenses Capital Divisional Key Highlights Q3-22 fee and commission income 15% higher y-o-y from increased local and international retail card business at both ENBD and DenizBank and strong investment banking revenue Other operating income up substantially y-o-y due to Higher retail FX volumes as customers took advantage of strong dollar and increased remittance Other operating income 11% lower q-o-q due to higher level of property gains in Q2 compared to Q3 Other Operating Income 1,552 All figures are in AED mn 5 1,378 1,388 28 359 1,188 28 158 430 49 Investment Sec. Property & Other 217 1,188 1,202 1,488 1,533 FX & Derivative 379 1,293 1,232 1,271 Fee Income 921 922 23 166 191 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 17

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