Q3 2023 Results Presentation

Strong Loan and Deposit growth Gross Loans by Type (AED bn) 8% 494 457 456 470 479 66 69 73 67 67 94 95 101 107 110 DenizBank ■Retail 114 113 116 112 111 ■Sovereign ■Corporate 183 179 180 193 206 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Deposits by Type (AED bn) 13% Key Highlights • Gross lending up 8% in 9M'23 - - Retail lending up 16% with strong demand across all products Corporate lending up 15% on strong origination throughout region in Manufacturing, Trade, Transport and Communication and conglomerates - DenizBank's TL gross loans up 33%. Gross loans down 3% after FX Deposit franchise is a proven key strength of ENBD with AED 67 bn growth in 9M'23 including an impressive AED 33bn increase in CASA - Limited CASA migration in Q3-23 CASA represents 59% of total Group deposits - DenizBank's TL deposits up 94%. Deposits up 5% after FX Gross Loans by Sector (%) Agri 1% 538 556 570 Other 3% 503 481 80 86 Manuf. 5% 89 DenizBank 79 82 26 31 22 Trans & Services 12% 19 16 139 Other 133 146 114 128 Trade 7% ■Time Construction & Hotels 5% ■CASA 272 274 293 311 307 FI & Mgmt Cos 11% Real Estate 9% Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Net Loans by Geography (%) Sovereign 22% Personal 26% International 20% GCC 3% UAE 77% 6

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