Investor Presentaiton

Appendix 1: Türkiye Consumer Price Index +133% 64% Hyperinflation 42% • 978 844 687 419 427 441 451 466 477 505 524 547 571 . Key Highlights Loss on net monetary position for DenizBank was AED 1.9 bn for first six months of 2022 AED 1.9 bn debit P&L charge with corresponding credit offset to OCI making it capital neutral Jul 19 Sep 19 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 Jun 22 1.40 1.00 • Turkish CPI grew by 133% over preceding three-years and by 42% in 2022 - In accordance with IAS 29 Financial Reporting in Hyperinflationary Economies, DenizBank's results and financial position included within ENBD's consolidated Financial Statements are adjusted with effect from 1-Jan-22 Monetary Assets Net Monetary Position + Non-monetary Assets • Monetary Liabilities ● Equity Non-monetary Liabilities • 0.20 [(0.70)] 0.60 2.50 0.00 (1.90)] 0.60 Net Profit H1-21 Income Expenses Provisions P&L Tax & others Profit after Hyperinflation Net Profit Indexation Tax H1-22 Adj H1-22 AED 0.6 bn credit to equity representing the impact of indexing non-monetary items from date of acquisition until 31-Dec-21 The positive impact on capital of 21 bps from hyperinflation adjustment is excluded from capital adequacy computations EPS for first six months of 2022, excluding hyperinflation adjustment is 57% higher at AED 1.10 compared to 0.70 for H1 2021 IAS 29 is not applied to local accounts in H1-22 25

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