Investor Presentaiton

Financing and Customer Deposits trends Highlights Financing receivables increased 10% y-o-y and 3% q-o-q Trend in Net Financing by Type (AED B) Retail Banking and Wealth Management Corporate and Institutional Banking ■ Retail Banking and Wealth Management financing receivable increased 13% y-o-y and 3% q-o-q Others +9.6% +2.5% ■ Corporate and Institutional Banking financing receivables increased 5% y-o-y and 1% q-o-q 45.2 47.4 47.8 48.4 49.6 41.5 42.4 42.6 26.4 27.3 27.6 28.6 29.2 30.5 31.1 32.2 • Customer deposits increased 12% y-o-y and increased 2% q-o-q ■ CASA increased 5% y-o-y and 4% q-o-q 15.0 15.0 15.0 16.6 18.2 17.3 17.2 17.4 -0.1- -0.1 -0.0- -0.0- 0.0 -0.0. -0.0- -0.0- ■ ITD decreased 19% y-o-y and 6% q-o-q Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 Q1-23 ■ Wakala increased 56% y-o-y and decreased 4% q-o-q Trend in Customer Deposits by Type (AED B) CASA ITD Wakala * Financing is Net of Deferred Income and impairment provisions +11.5% +1.6% 54.3 54.7 56.3 57.3 51.4 48.8 48.9 47.3 41.3 42.2 41.5 43.1 38.2 37.1 36.8 41.2 1.9 2.2 2.2 2.2 2.2 2.1 1.7 2.0 8.4 9.7 8.2 8.0 10.9 10.5 13.0 12.5 Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 Q1-23 ΞΙ الإمارات الإسلامي EMIRATES ISLAMIC 15

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