Investor Presentaiton

Loan composition Net Loans by Geography Q2-20 Gross Loans by Segment Q2-20 UAE 75% Net Loans by Geography Q2-19 Corporate 37% Sovereign 2% GCC 34% 23% International 16% Retail Gross Loans by Segment Q2-19 13% Islamic Gross Loans by Sector Q2-20 Sovereign 34% Trans. & com. Trade Agriculture Construction 2% Fin Institutions 7% 3% 4% 4% Hotels and restaurants 3% Manufacturing 5% Mgmt of Cos 3% 3% Others ** 3% 11% Services Real estate Gross Loans by Sector Q2-19 18% Personal Agriculture Construction Trans. & com. Fin Institutions Trade Corporate 0% 7% 4% 2% Sovereign 31% Sovereign 1% 1% Hotels and restaurants Manufacturing 3% 4% Mgmt of Cos Others ** UAE 93% 2% GCC 5% International 43% Note: Gross loans include Islamic financing gross of deferred income **Others include Mining & quarrying (and Agriculture for Islamic Loans) 11% Retail 15% Islamic 43% 3% 18% Personal 13% 1% Services Real estate Financial & Operating Performance 14

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