Investor Presentation Q3 2021

Leader in Digital Banking and Innovation liv. • Liv. continues to expand; Liv. Prime (the first lifestyle-banking subscription plan in the region) and Liv. Sure (General Insurance products) now strong revenue generators for Liv. • Liv.'s attractive referral program is popular with customers • Liv. Blog launched, containing a growing list of articles on many topics including money matters and safety & awareness • In KSA, Liv. has 80,000 customers and is growing by about 8,000 customers per month Liv. is actively migrating to a cloud-based architecture, enabling Liv. to expands to new countries and scale easily Key Digital Developments • 86% of all face-to-face card payment transactions now 'contactless' through Mobile wallet • EXPO 2020 Dubai branch opened with a Future Banking space showcasing the Group's pioneering vision for the future of global banking Integrated website with UAE PASS for seamless digital account opening. • Launched Instant Quick Account Opening for UAE National Individuals and SMEs E20. Digital business bank live for most DED licensed entities and continues to scale up Transactions via digital channels Eligible Retail Business customers 98% digitally active 79% Eligible Corporate clients opting for digital platform 91% OOO 6

View entire presentation