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Investor Presentaiton

Credit quality Impaired loans and allowances 6.1 7.9 9.8 • 6.3 6.2 6.3 6.4 • 9.9 10.1 10.1 10.3 8.1 7.9 7.9 8.0 • 125.1 122.5 126.7 127.5 128.5 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Impaired Loans (USD Bn) * Impairment Allowances (USD Bn) NPL Ratio (%) Coverage ratio (%) Coverage by Stage** Stagewise ECL (USD bn) 10.1 10.3 Stage 1 1.0% 22.2% 0.9% 1.0 1.0 22.0% Stage 1 Stage 2 1.9 1.9 Stage 2 Stage 3 91.1% 92.6% 7.2 7.4 Stage 3 FY-21 Q1 22 FY-21 Q1 22 Highlights Income Expenses Risk Capital Liquidity Divisional Key Highlights NPL ratio increased marginally by 2 bps to 6.4% in Q1-22 Coverage ratio strengthened 1% to 128.5% in Q1-22 。 S3 coverage up to 92.6% on higher provisions during the quarter o S1 and S2 coverage broadly stable 116 bps cost of risk back in middle of guidance range and below 2021 level of 124bp . USD 0.6 bn out of original USD 2.9 bn of deferral support remains outstanding *Includes purchase originated credit impaired loans of AED 1.0bn (Dec-21: AED 1bn) acquired at fair value / **Stage 3 coverage adjusted for POCI acquired at FV Total Gross Loans Q1-22, USD 126bn Stage 1 87% 87% Stage 2 7% FY-21 7% USD 125n 6% Stage 3 6% 20
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