Investor Presentaiton

Divisional performance Corporate and Institutional Banking Balance Sheet Trends (AED B) Financing Receivable Customer Deposits Retail Banking and Wealth Management Balance Sheet Trends (AED B) Financing Receivable Customer Deposits +4% -6% +3% +1% • 17.2 17.4 Financing receivable increased 1% from end of 2022 43.5 45.3 • 12.9 12.1 31.1 32.2 • Customer deposits decreased 6% from end of 2022 Q4-22 Q1-23 Revenue Trends (AED M) Q4-22 Q1-23 Revenue Trends (AED M) FI NFI NFI +50% +8% 191 206 137 152 Total Revenue increased by 50% y-o-y and 8% q-o-q driven by improved economic activity Funded Income increased primarily on account of portfolio growth and increased margins +41% +16% 689 592 487 484 157 89 48 34 55 Non Funded Income increased mainly due to higher fx & derivatives income and fees income 424 349 139 168 205 Q1-22 Q4-22 Q1-23 Q1-22 Q4-22 Q1-23 Note: All Balance Sheet numbers are at end of period • Financing receivable increased 3% from end of 2022 mainly in retail financing products Customer deposits increased 4% from end of 2022 mainly driven CASA growth Total Revenue increased 41% y-o-y and 16% q-o-q driven by improved economic activity Funded Income increased on account of higher margins supported by financing book growth Non-Funded Income increased mainly due to fx & derivatives income, customer financing linked fees and higher trade income EI الإمارات الإسلامي EMIRATES ISLAMIC 17

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