Investor Presentaiton

Capital adequacy Capital (AED billion) 86.1 5.3 9.1 71.7 (0.2) (0.4) 67.5 4.8 CET1 31-Dec-21 Net earnings Interest on AT1 ECL add-back CET1 30-Jun-22 T1 T2 Capital 30-Jun-22 Highlights Income Risk Expenses Capital Liquidity Divisional Key Highlights • CET-1 ratio stable at 15.0% during 2022 as AED 4.8bn of net earnings largely offset • - AED 0.4bn reduction in ECL addback 7% increase in RWAs as strong growth in retail and a range of corporate sectors more than offset Sovereign repayments Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement • CET-1 at 14.5% excluding ECL regulatory add-back • IAS 29 hyperinflation adjustment is capital neutral Risk Weighted Assets (AED billion) Capital Ratios % +7% 479.2 453.3 451.1 457.9 446.4 19.2 18.7 18.3 T2% 1.1 18.1 18.0 DenizBank 117.3 1.1 1.1 121.7 120.4 110.5 113.1 2.0 1.1 1.1 2.0 AT1% 2.1 2.0 1.9 Operational Risk 30.8 31.3 31.3 30.8 30.8 11.2 Market Risk 12.9 11.0 9.6 10.4 CET1% 15.6 16.1 15.1 15.0 15.0 Credit Risk 287.4 288.3 295.5 303.6 320.0 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 22

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