Investor Presentaiton

Impairment allowances and Stage 1, 2 and 3 Coverage ECL Allowances ECL to Financing (AED B) Coverage % 4.9 4.7 2.0 2.2 Impairment 1.0 1.1 Allowances 21.8 21.0 0.3 0.3 and 3.5 3.5 Total Gross Financing Coverage % 94.3 94.8 2022 Q1-23 2022 Q1-23 Stage 1 Stage 2 Stage 3 Highlights Stage 1 coverage ratio increased to 2.2% at end of Q1'23 compared to 2.0% at end of FY 2022 Stage 2 coverage ratio is 21.0% at end of Q1'23 compared to 21.8% at end of FY 2022 Stage 3 coverage ratio further improved to 94.8% as NPF ratio improved by 0.2% to 6.8% 2022 Q1-23 2% 3% 7% 7% 91% 91% Stage 1 Stage 2 Stage 3 ΞΙ الإمارات الإسلامي 12 EMIRATES ISLAMIC

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