RAKBANK Investor Presentation - Q4/12M 2021

RAKBANK Investor Presentation - Q4/12M 2021 Profitability Profitability [AED Bn] Total Income Net Profit 4.0 3.8 3.8 3.6 -9.4% +50.0% Cost-to-Income Ratio RAKBANK Simply Better 39.5% 38.9% 39.2% 3.2 38.0% LLL 0.8 1.1 0.9 0.8 0.5 43.2% Dec '17 Dec '18 Dec '19 Dec '20 Dec'21 Dec '17 Dec '18 Dec '19 Dec '20 Dec'21 Annualized Profitability ―ROE ROA 14.9% 13.5% 10.6% 9.5% 6.5% 1.8% 1.8% 2.0% 1.4% 0.9% Net Interest Margin 6.1% 5.5% 5.1% 4.6% 4.1% Dec '17 Dec '18 Dec '19 Dec '20 Dec'21 Dec '17 Dec '18 Dec '19 Dec '20 Dec'21 9

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