Investor Presentaiton

Funding and liquidity Advances to Deposit and Liquidity Coverage Ratio (%) ADR % LCR % 100 180 158.8 177.6 157.2 160 Highlights Income Risk Expenses Capital Liquidity Divisional Key Highlights • • OLCR of 154.8% and ADR of 90.8% demonstrate healthy liquidity Liquid assets* of AED 63 billion cover 10% of total liabilities, 13% of deposits • AED 3.7 bn of term debt issued in H1-22 DenizBank successfully upsized its 1-year rolling syndicated loan in June to AED 1.7 bn with issuance in three currencies AED 6.7 bn maturities for remainder of 2022 covered through excess issuance in 2020 and 2021 96 • 157.4 154.8 92 • 140 95.7 94.0 92.5 120 88 90.7 90.8 88 100 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Composition of Liabilities and Debt Issued (%) Customer deposits 75% Banks 7% 84 . Maturity Profile of Debt/ Sukuk Issued AED 60.3 bn 18.1 .0.0 10.6 Others 8% 0.4 9.5 7.6 0.4 7.8 18.1 6.7 0.7 0.0 6.4 0.9 9.1 Debt/Sukuk 7.0 7.8 5.8 3.8 11% 2022 2023 2024 2025 2026 Beyond 2026 DenizBank Club Deal Public & Private Placement *Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 23

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