Investor Presentation Q3 2021

Capital adequacy Capital (USD billion) 23.6 1.4 19.8 2.5 18.3 (0.1) 0.2 (0.6) 2.0 CET1 31-Dec-20 Profit Interest on AT1 ECL add-back Other CET1 30-Sep-21 T1 T2 Capital 30-Sep-21 Risk Weighted Assets (USD billion) Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights • CET-1 ratio improved 1.1% during 2021 - USD 2.0bn of retained earnings - 1% increase in RWAs • Tier 1 ratio and CAR also strengthened considerably in 2021 Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement TESS providing further 3% temporary relief until end-2021 • CET-1 lower by 0.6% at 15.5% excluding ECL add-back Capital Ratios % 119.1 121.6 121.1 123.5 122.9 19.1 18.5 19.0 19.2 18.7 T2% 1.1 DenizBank 31.8 34.6 33.3 33.2 32.8 1.1 1.1 1.1 2.4 2.3 1.1 2.0 AT1% 2.4 2.0 Operational Risk 8.4 8.5 8.5 8.5 8.5 3.6 3.4 2.7 3.5 3.0 Market Risk CET1% 15.6 15.0 15.6 15.6 16.1 Credit Risk 75.4 75.2 76.5 78.3 78.6 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 20

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