Investor Presentation Q3 2021

Non-funded income Highlights Income Expenses Risk Capital Liquidity Macro Divisional Non-funded income (USD mn) Q3-21 Q3-20 Better/ (Worse) Q2-21 Better / (Worse) • Fee and Commission income 426 383 11% 437 (2)% Fee and Commission expense (178) (123) (45)% (159) (12)% Net Fee and Commission Income 248 260 (5)% 278 (11)% • Other operating income 103 144 (28)% 65 59% Gain/loss on trading securities 6 7 (9)% 15 (58)% Total Non-funded income 358 412 (13)% 359 0% Fee and Commission Income (USD mn) Key Highlights Q3-21 fee and commission income up 11% y-o-y - Higher transaction volumes due to increased activity Improved brokerage and asset management fee FX and derivative income up q-o-q, declined y-o-y Hedging and swaps fluctuation relating to DenizBank • Investment securities income up due to gain on sale of securities +11% 482 15 437 426 60 25 383 22 Brokerage &AM 361 144 11 62 52 12 Trade finance 56 54 167 407 350 352 Fee income 316 295 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Other Operating Income (USD mn) -28% 249 159 103 65 FX & Derivative 52 47 9 23 1 54 45 42 17 27 Property & Other Investment Sec. -5 -2- -6. -40 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 17

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