Q3 2023 Results Presentation

Capital ratios extremely strong Capital (AED bn) 76.6 5.9 105.0 9.1 14.6 90.0 (0.4) (0.8) CET1 31-Dec-22 Net Earnings Interest on AT1 ECL add-back 30-Sep-23 CET1 T1 T2 Capital 30-Sep-23 Risk Weighted Assets (AED bn) Key Highlights CET-1 ratio improved by 1.5% to 16.9% during 9M'23 as the AED 14.6 bn increase in net earnings more than offsets a 7% increase in RWAS • Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement . CET-1 at 16.4% excluding ECL regulatory add-back • IAS 29 hyperinflation adjustment is capital neutral Capital Ratios (%) 19.5 19.7 7% 18.5 18.3 18.7 1.1 1.1 1.1 1.1 1.1 1.8 1.7 1.9 1.8 1.8 533 490 499 515 508 123 132 139 129 138 31 33 33 33 33 15.5 15.4 15.8 16.6 16.9 11 11 12 12 12 326 323 331 334 351 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Q3-22 Q4-22 Q1-23 Credit Risk Market Risk Q2-23 Operational Risk Q3-23 ■CET1% AT1% T2% DenizBank 10

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