Investor Presentaiton

Loans and deposits trends Gross Loans by Type (USD Bn) +1% 128 129 129 125 126 DenizBank - 22 22 21 18 18 - EI* 12 12 13 13 14 - 13 14 15 Retail 15 16 Corporate 81 81 81 79 19 Highlights Income Expenses Risk Capital Liquidity Divisional Key Highlights • Gross loans grew 1% (USD 1bn) in Q1-22 Retail lending up 4% (USD 1bn) with strong demand across all products El Financing and Receivables up 6% (USD 1bn) DenizBank's gross loans up 11% Deposit mix further improved in 2022 with USD 5bn increase in CASA balance - CASA represents 64% of total Group deposits DenizBank's deposits up 11% 79 - Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Deposits by Type (USD Bn) +3% 125 125 127 128 124 DenizBank 22 21 21 19 19 3 2 2 2 3 Other 32 38 35 36 34 Time Gross Loans by Sector (%) Net Loans by Geography (%) Other 3% Agric. 1% Manuf. 5% Trans & Services 9% Trade 7% Construction & Hotels 6% International 19% Sovereign 30% GCC 5% CASA 74 63 65 67 69 FI & Mgmt Cos 7% Personal 22% Real estate 10% Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 * Gross Islamic Financing Net of Deferred Income UAE 76% 17

View entire presentation