Investor Presentation | FY-2022

Capital ratios remain solid Capital (All figures are in AED bn) 67.5 12.7 0.7 (3.8) (0.5) 5.5 91.2 9.1 76.6 Key Highlights CET-1 ratio improved by 0.3% to 15.4% during 2022 as AED 8.9 bn of net earnings after proposed dividend more than offset 12% increase in RWAs Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement CET-1 at 14.7% excluding ECL regulatory add-back CET1 Net Proposed Interest ECL add- CET1 31-Dec-21 earnings dividend on AT1 back 31-Dec-22 IAS 29 hyperinflation adjustment is capital neutral T1 T2 Capital 31-Dec-22 Risk Weighted Assets (AED bn) Capital Ratios % +12% 18.3 18.1 18.0 18.5 18.3 446 458 479 490 499 T2% 1.1 1.1 1.1 1.1 1.1 2.1 2.0 1.9 1.9 1.8 DenizBank 117 123 132 AT1% 110 113 31 31 31 33 Op. Risk 31 11 11 11 10 10 Market Risk 15.1 15.0 15.0 15.5 15.4 Credit Risk 296 304 320 326 323 CET1% Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 26

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