Investor Presentaiton

Capital adequacy Capital (AED billion) 81.5 4.9 (3.2) 9.3 (0.6) 0.5 9.1 67.1 (5.6) 67.5 CET1 31-Dec-20 Profit Proposed Interest ECL Dividend on AT1 add-back OCI and CET1 Others 31-Dec-21 T1 T2 Capital 31-Dec-21 Risk Weighted Assets (AED billion) Highlights Income Expenses Risk Capital Liquidity Macro Divisional • Key Highlights CET-1 ratio improved 0.1% during 2021 as - AED 9.3bn of retained earnings offset - AED 3.2bn of proposed dividend · AED 5.6bn impact on FV and currency translation reserve - RWAs broadly stable during the year • Tier 1 ratio and CAR 0.2% lower following AT1 management in 2021 • Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement TESS provides further 3% temporary relief until June-22 CET-1 at 14.6% excluding ECL regulatory add-back Capital Ratios % 446.5 444.3 453.3 451.1 446.4 19.0 19.2 18.5 18.7 18.3 -1% T2% 1.1 1.1 1.1 1.1 DenizBank 127.0 121.7 122.4 120.4 110.5 1.1 2.3 2.0 AT1% 2.4 2.0 2.1 Operational Risk 31.3 31.3 31.3 31.3 30.8 12.3 9.9 12.9 11.0 9.6 Market Risk CET1% 15.0 15.6 15.6 16.1 15.1 Credit Risk 275.9 280.7 287.4 288.3 295.5 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 20

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