Investor Presentaiton

Asset Quality - Detailed Insights NPF (AED mn) بنك دبي الإسلامي Dubai Islamic Bank #Ready For TheNew Core DIB NMC Noor Bank POCI FY 2023 9,583 1,178 736 11,497 9M 2023 10,904 1,177 784 12,865 NPF Ratio (%) NMC Noor - POCI ■DIB - NPF NMC, 0.56% Noor - POCI, 0.34% 1H 2023 10,901 1,214 783 12,898 Q1 2023 10,748 1,235 841 12,824 FY 2022 NPF 5.4% 10,771 1,276 939 12,986 9M 2022 10,919 1,341 967 13,227 1H 2022 11,272 1,384 997 13,653 DIB-NPF, 4.50% Q1 2022 11,128 1,492 1,004 13,624 Coverage Ratio (%) -DIB -NMC Noor POCI 93% 87% 79% 81% 83% 83% 84% 79% Highlights Absolute NPF declined by AED 1,489 million YoY, to AED 11,497 million due to: • Core DIB NPF reduced by AED1,188 million dropping the NPF ratio by 85 bps to 4.5% YoY 80% 80% 78% 77% • 74% 68% 70% 63% 34% 36% 39% 39% 28% 23% 24% 21% Q1 2022 1H 2022 9M 2022 FY 2022 1Q 2023 1H 2023 9M 2023 FY 2023 NMC and Noor POCI combined exposure declined by AED 301 million YoY to AED 1,914 million Accordingly, coverage ratios across DIB core portfolio improved to 93% up 1000 bps YoY while NMC coverage is up 600 bps YoY and Noor POCI up 1100 bps YoY. 16

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