Investor Presentation

Consistent profitability due to diversified and resilient business model Return on Average Tangible Equity (excluding 2019 NI gain) 11% 16% 20% 18% 19% 20% 17% 10% 13% 17% 27% Total Income Net Profit CAGR (13-9M'23): 14% CAGR (13-9M'23): 22% 17.4 15.2 15.4 14.4 14.7 11.8 10.0 8.3 7.1 7.2 5.1 3.3 32.5 32.7 23.8 23.2 22.4 22.7 14.5 17.3 17.5 13.0 9.3 7.0 9.1 7.3 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 9M'23 ■Total Income (AED Bn) ■Net Profit (AED Bn) ■9M'23 Total Income ■9M'23 Net Profit * 2019 includes gain on disposal of NI AED 4.4 bn 15

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