Investor Presentation

Funding & Liquidity remains very healthy Advances to Deposit and Liquidity Coverage Ratio (%) Key Highlights 105 ADR % -LCR % 217 220 • LCR of 190% and ADR of 80% demonstrate healthy liquidity 100 187 190 182 • Liquid assets* of AED 80 billion cover 11% of total liabilities, 14% of deposits 180 95 152 90 140 • 85 100 87 AED 14 bn of term debt issued in 2023 fully covers 2023 maturities ENBD issued largest ever green bond by regional bank, underlining ESG commitment DenizBank further diversifies funding through issue of US$ 230m and EUR 50m Murabaha term financing agreement 80 83 80 79 80 75 60 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Composition of Liabilities and Debt Issued (%) Customer Deposits 78% Maturity Profile of Debt/Sukuk Issued AED 64.9 bn 19.0 06 14.4 0.6 11.4 10.3 0.6 Debt/Sukuk 9% 6.4 0.6 18.4 4.6 5.1 Others 8% 10.8 9.7 0.7 1.1 7.4 Banks 5% 4.0 3.9 * Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 2023 2024 2025 ENBD 2026 ■Club Deal DenizBank 2027 Beyond 2027 22

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