Investor Presentaiton

Financing composition Total Gross Financing* (AED 54.5 B) Retail Banking and Wealth Management Corporate and Institutional Banking 61% * Gross Financing net off deferred portion 39% Corporate and Institutional 25% 28% Banking 4% 1% Financing 7% (AED 21.0 B) 19% 5% 12% Trade Real Estate Manufacturing Financial Institutions Utilities and Services Transport & Communication Construction Others** Retail 17% Banking and Wealth 8% 41% Mortgage Finance Personal Finance Management Auto Financiang 10% Financing Credit Cards Others*** (AED 33.5 B) 25% ** Others under 'Corporate and Institutional Banking' includes Management of companies and enterprises and Sovereign ***Others under 'Retail Banking and Wealth Management' includes SME products held by retail customers ΞΙ الإمارات الإسلامي EMIRATES ISLAMIC 16

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