Investor Presentaiton

Stable Shareholder Base and Diversified Business Model Split of ownership - Anchored by the Government of Dubai Ownership structure as at 31 December 2021 Others 39% Capital Assets 5% Balanced asset composition % by segment as at 31 December 2021 GM&T 21% Investment Corporation of Dubai 56% CI&B 44% DenizBank 16% Key Highlights • • • • • A flagship bank for the Government of Dubai and the UAE Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 12% at 27-Jan-2022 Recommendation Equity Analysts Coverage In AED Target Price Buy Hold Sell 13 1 16.5 Price at 26-Jan-2022 13.5 RBWM 10% EPS 31-Dec-2021 Islamic Banking 9% 1.38 8

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