Investor Presentaiton

DenizBank business overview Income Statement (AED Mn) FY-21 FY-20 Better/ (Worse) Net interest income 5,272 5,667 (7)% Non-funded income 1,770 1,590 11% • Total income 7,042 7,257 (3)% · Operating expenses (2,213) (2,266) 2% • Pre-impairment operating profit 4,829 4,991 (3)% Impairment allowances (2,717) (3,348) 19% • Operating profit 2,112 1,643 29% • Taxation charge Net profit (470) (274) (72)% 1,643 1,369 20% Cost: income ratio Net interest margin 31.2% 31.2% 0.0% 4.35% 4.47% (0.12)% Balance Sheet Metrics (AED bn) Assets Net Loans Deposits 131.0 108.9 81.3 84.9 61.1 68.8 Q4-20 Q4-21 All financial numbers post acquisition (1-Aug-19) include the fair value adjustments, unless otherwise stated. Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights Net profit grew 20% to AED 1,643m in 2021 despite volatility Net interest income lower y-o-y mainly due to currency translation Non-funded income higher y-o-y as the hedging impact offset the currency translation 2021 cost of risk improved to 343 bps compared to 383 bps in 2020 Q4-21 cost of risk higher at 703 bps as DenizBank continued to build coverage given the current volatility Turkish Lira total assets grew 25% in 2021 DenizBank is the fifth largest private bank in Turkey with wide presence through a network of 712 branches servicing over 15m customers through 14,000+ employees NPL and AD Ratio (As per local reporting guidelines) NPL Ratio (Unadjusted) AD Ratio (Unadjusted) 7.0 6.6 98.8 91.2 Q4-20 FY-21 Q4-20 FY-21 25

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