Investor Presentaiton

Executive Summary 9M'22 Results Key Highlights AED Strong momentum continues with 9M'22 profit up 25% to AED 9.1bn, almost at 2021 full-year profit level G Quarterly profit exceeds $1 billion equivalent AED Income 31% higher driven by improved loan & deposit mix coupled with higher interest rates Key Metrics and Guidance Net Profit AED 9.1bn +25% y-o-y NIM 3.10% 2022 guidance: 3.20-3.30% CET 1 15.5% LCR 152.2% 10 AED Strong new lending from retail and corporate customers International contributes 40% of diversified income, with DenizBank delivering strong customer income growth Solid balance sheet and strong operating profit remain core strengths of the Group Cost to Income 28.2% 2022 guidance: Within 33% NPL 5.8% 2022 guidance: < mid 6% Loan Growth (1)% in 9M'22 2022 guidance: Low-single digit NPL Cover 142.6% 2022 CoR guidance: 100-125 bps 13

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