Investor Presentaiton

Loans and deposits trends Gross Loans by Type (AED Bn) +1% 475 475 459 463 463 DenizBank 79 79 65 65 66 - EI* 46 47 47 50 52 - 52 54 56 59 Retail 61 - Highlights Income Risk Expenses Capital Liquidity Divisional Key Highlights • Gross loans grew 1% (AED 4bn) in H1-22 Retail lending up 8% (AED 5 bn) with strong demand across all products El Financing and Receivables up 11% (AED 5 bn) DenizBank's gross loans up 26% in H1-22 Deposit mix improved in H1-22 with AED 10bn increase in CASA balance - CASA represents 62% of total Group deposits DenizBank's deposits up 32% in H1-22 298 296 291 289 284 - Corporate Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Deposits by Type (AED Bn) +2% 458 467 469 468 456 DenizBank 79 78 70 69 73 9 8 10 10 13 Other 117 130 134 124 118 Time Gross Loans by Sector (%) Other 3% Agric. 1% Manuf. 5% Trans & Services 10% Trade 7% Construction & Hotels 5% Net Loans by Geography (%) Sovereign 27% International 20% CASA 241 246 254 272 264 FI & Mgmt Cos 9% Personal 22% Real estate 11% Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 * Gross Islamic Financing Net of Deferred Income GCC 4% UAE 76% 18

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