Investor Presentation Q3 2021

Divisional performance Operating Segment Metrics Q3-21 YTD Income (mn) 1,632 Increase / (Decrease)* 2% Retail Banking and Wealth Management Expenses (mn) 440 Loans (bn) 14 Deposits (bn) 48 Income (mn) 1,180 -5% Corporate and Institutional Banking Expenses (mn) 113 -7% -2% Loans (bn) 74 -3% Deposits (bn) 44 Income (mn) 490 Expenses (mn) 220 1% Emirates Islamic Loans (bn) 12 4% 4% Deposits (bn) 13 Income (mn) (16) Expenses (mn) 32 Global Markets and Treasury Assets (bn) 35 -9% 4% -25% Liabilities (bn) 6 Income (mn) 1,335 -17% Expenses (mn) 457 -2% DenizBank Loans (bn) -9% 20 -8% Deposits (bn) 21 *Income statement comparison vs Q3-20 YTD; Balance Sheet comparison vs Q4-20 Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights Retail Banking and Wealth Management • • Record acquisition leading to significant growth in retail financing Strong business momentum as low-cost CASA and fee income continue to grow Balance sheet growth providing resilience against low int. rate impact on segment 8% 12% • 7% 14% • 98% of transactions through the leading digital platform • Expo 2020 branch opened showcasing a 'Future Banking Space' Corporate and Institutional Banking • Falling interest rate impact partly off-set by growth in non-funded income • . . Good credit quality loan origination substantially covered contractual repayments Significant CASA growth helped efficiently manage liquidity cost EmCap successfully continues to lead ESG transactions in the region Emirates Islamic • Profit grew on higher non-funded income and lower impairment allowances • ADR healthy at 87%; CASA represent 76% of total deposits • Launch of Mastercard World Credit Card and Branch at Expo 2020 Dubai Global Markets and Treasury • Issued $2.2bn of PPs with maturities up to 20 years and a $750m 5-yr public issue Issued $750m of AT1 notes and helped the Group issue a $1.75bn 3-year ESG- linked syndicated loan Successfully issued Group's first Alternative Reference Rate Note, demonstrating readiness for global transition to new indices DenizBank • 61% • • Net profit up 23% on higher NIMS contribution and lower impairments in 2021 • Cost of risk for Q3-21 YTD improved to 203 bps comparable to 408 bps in 2020 • Income down on lower non-funded income and FX translation • Loan and deposits up 10% in local currency terms during the year 24

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