Investor Presentaiton

Capital Adequacy Capital All figures are in AED bn 90.6 5.4 9.1 76.1 (0.4) 0.4 8.6 67.5 CET1 31-Dec-21 Net earnings Interest on AT1 ECL add-back CET1 30-Sep-22 T1 T2 Capital 30-Sep-22 Risk Weighted Assets All figures are in AED bn Highlights Income Liquidity Risk Expenses Capital Divisional • Key Highlights CET-1 ratio improved by 0.4% to 15.5% during 2022 as AED 8.6 bn of net earnings more than offset 10% increase in RWAS on the back of growth in retail and corporate lending Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement CET-1 at 15.0% excluding ECL regulatory add-back IAS 29 hyperinflation adjustment is capital neutral Capital Ratios % +10% 489.9 479.2 451.1 457.9 19.2 446.4 18.3 1.1 18.1 18.5 18.0 DenizBank 117.3 122.6 T2% 1.1 2.0 1.1 1.1 1.1 113.1 120.4 110.5 2.1 1.9 AT1% 2.0 1.9 Operational Risk 30.8 30.8 30.8 31.3 30.8 11.2, 10.6 Market Risk 11.0 9.6 10.4, 16.1 CET1% 15.1 15.0 15.0 15.5 Credit Risk 288.3 295.5 303.6 320.0 325.9 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 22

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