Investor Presentaiton

Non-funded income Better / Non-funded income (USD mn) Q1-22 Q1-21 Q4-21 (Worse) Better/ (Worse) Fee and Commission income 416 481 (14)% 419 (1)% Fee and Commission expense (165) (181) 9% (200) 18% • Net Fee and Commission Income 250 300 (16)% 218 15% Other operating income 324 249 30% 375 (14)% Gain/loss on trading securities Total Non-funded income 3 16 (83)% 4 (21)% 576 565 2% 597 (3)% • Fee and Commission Income (USD mn) - -14% 481 14 437 60 25 62 22226 Highlights Income Expenses Risk Capital Liquidity Divisional Key Highlights • Q1-22 fee and commission income 14% lower y-o-y mainly from Turkish Lira depreciation, partially offset by higher income from increased retail card business at ENBD Other operating income up 30% y-o-y Mainly due to higher Retail FX volumes and increased derivative business as customers hedged against rising interest rates 75% of FX & Derivative income from ENBD Other operating income lower q-o-q as Q4 includes Dubai Bank gain 418 416 31 16 Brokerage &AM 52 54 249 Trade finance 159 407 350 352 335 346 Fee income Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Other Operating Income (USD mn) 375 323 250 251 FX & Derivative 103 65 47 599 52 117 Property & Other 54 45 42 -2. 6- 8. Q1 21 Q2 21 Q3 21 Q4 21 59 13. Q1 22 Investment Sec. 18

View entire presentation