Investor Presentaiton

Funding and liquidity Advances to Deposit and Liquidity Coverage Ratio (%) ADR % LCR % 180 100 165.0 165.1 158.8 177.6 157.2 160 96 140 92 95.6 95.0 95.7 94.0 120 92.5 88 88 100 84 ळ Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Composition of Liabilities and Debt Issued (%) Customer deposits 76% Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights • LCR of 177.6% and ADR of 92.5% demonstrate healthy liquidity • Liquid assets* of AED 70.8 billion cover 12% of total liabilities; 15% of deposits • AED 27.5bn issuance during the year, taking advantage of historically low cost of term funding • AED 12.6 bn debt maturing in 2022 comfortably within Group's capabilities Maturity Profile of Debt/ Sukuk Issued AED 67.1bn Banks 7% Others 6% 12.6 2.4 12.2 0.1 10.1 9.6 0.4 8.9 0.4 7.4 0.4 6.2 6.4 12.2 10.3 8.6 7.0 Debt/Sukuk 3.3 11% 2022 2023 2024 2025 2026 - 2029 - - 2028 - 2035 Beyond 2036 DenizBank Club Deal Public & Private Placement *Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 21

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