Investor Presentaiton

Consistently profitable due to diversified and resilient business model 8.8% 10.5% 15.7% 19.7% 18.0% 18.8% 20.3% 16.5% 9.5% 12.8% 14.6% 10.2 11.8 Total Income '12-'21 CAGR: 10% Net Profit '12-'21 CAGR: 15% 17.4 15.2 15.4 14.7 14.4 10.0 8.3 7.1 7.2 5.1 3.3 2.6 2012 2013 2014 2015 2016 2017 2018 ■Total Income (AED Bn) ■Net Profit (AED Bn) 23.8 23.2 ZZ.4 2019 14.5 9.3 7.0 14.2 5.3 2020 2021 H1 2022 Return on Average Tangible Equity Excl. NI gain for 2019 11

View entire presentation