COVID-19 Response and Financial Performance

Strategic Focus 2020 C CUSTOMER EXPERIENCE Digitally Intelligent Bank (DIB) A CARE IDEOLOGY ACQUISITION بنك دبي الإسلامي Dubai Islamic Bank R E RETENTION ENGAGEMENT ADD TO BAG + New digital offerings to Reduction in branch 'WOW' customer experience transactions traffic Enhance platform upgrades O 120 Maintain cost discipline Create key Digital customer journeys 2020 - Target Metrics Growth 8% to 10% 27% 4.0% NPF 4.8% Real Estate Concentration ~ 20% 20% Return on Assets 2.10% to 2.20% 1.70% Net Profit Margin 3.00% to 3.15% 2.70% 100% Cost Income 26% to 27% Cash Coverage 81% Ratio 29.4% Return on Equity 17% to 18% 14.0% 20

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