Investor Presentaiton

Loan and deposit trends Highlights Gross loans grew 2% since start of the year due to growth in Corporate and Islamic financing Trend in Gross Loans by Type (AED Bn) +30% DenizBank Consumer +2% Corporate lending grew 3% from end 2019 due to growth in transport and communication and financial institutions sectors Corporate Islamic* 458 467 474 475 Consumer lending declined 6% from end 2019 due to lower credit card and private banking activity 98 86 87 86 87 • 343 Islamic financing grew 4% from end 2019 due to growth across a range of sectors 351 355 364 365 266 267 273 279 288 288 252 -259- -258- • CASA deposits represent 49% of total Group level deposits 37 37 41 42 41 42 43 41 • Domestic CASA engine remains strong at 57% 54 55 55 56 57 57 58 60 460 40 60 * Gross Islamic Financing Net of Deferred Income Q2 18 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Trend in Deposits by Type (AED Bn) DenizBank Other Time CASA +26% -2% 468 472 467 461 335 341 348 359 367 99 98 6 7 7- 7 7 6 36 93 615 91 146 159 165 170 177 182 188 178 167 182 176 176 183 183 180 180 190 198 Q2 18 Q3 18 Q4 18 Q1 19 Q2 19 Q3 19 Q4 19 Q1 20 Q2 20 Financial & Operating Performance 13

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