60 Years Together

Non-funded Income Non-funded income Q2-23 Q2-22 %A YOY Q1-23 %A QOQ (All figures are in AED m) Fee and Commission income 1,993 1,782 12% 2,016 (1)% • Fee and Commission expense (874) (714) 22% (897) (3)% Net Fee and Commission Income 1,120 1,068 5% 1,119 0% • Other operating income 2,394 1,552 54% 2,039 17% Gain / loss on trading securities 78 32 145% 112 (30)% . Total Non-funded income 3,592 2,652 35% 3,269 10% Fee and Commission Income (AED m) Key Highlights Healthy trend in fee and commission income, 12% higher y-o-y from increased local and international retail card business at both ENBD and DenizBank, strong investment banking revenue and increased Trade Finance Other operating income up 54% y-o-y due to higher volume of retail customer FX remittance, additional corporate hedging, and increase in foreign exchange and derivative income from hedging and swaps relating to DenizBank Underlying client FX & derivative income continues a strong quarter growth trend, and Q2-23 was boosted by lower swap funding costs in Turkey Other Operating Income (AED m) 2,016 1,806 1,870 1,993 1,801 68 69 73 63 54 267 271 233 218 228 2,394 23 2,039 284 287 1,552 1,388 5 311 359 28 1,041 1,505 1,533 1,569 1,681 158 1,653 2,087 85 49 1,441 1,188 1,202 907 Q2-22 Q3-22 ■Fee Income Q4-22 ■Trade Finance Q1-23 ■Brokerage and AM Fees Q2-23 Q2-22 Q3-22 Investment Securities Q1-23 Q4-22 ■Property & Others FX & Derivative. Q2-23 20

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