Investor Presentaiton

Consistently profitable due to diversified and resilient business model 9.1% 9.3% 8.8% 10.5% 15.7% 19.7% 18.0% 18.8% 20.3% 16.5% 9.5% 12.8% Total Income '10-'21 CAGR: 9% Net Profit '10-'21 CAGR: 14% 14.4 17.4 15.2 15.4 14.7 10.0 8.3 7.1 7.2 5.1 3.3 2.6 9.7 11.8 9.9 10.2 LLLI 2.3 2.5 2010 2011 2012 2013 2014 ■Total Income (AED Bn) 2015 ■Net Profit (AED Bn) 2016 2017 2018 23.8 23.2 22.4 14.5 9.3 7.0 2019 2020 2021 Return on Average Tangible Equity Excl. NI gain for 2019 11

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