Investor Presentaiton

Non-funded income Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights FY-21 fee and commission income up 15% y-o-y Higher transaction volumes due to increased activity Improved brokerage and asset management fee • FX and derivative income up q-o-q - - Increased FX client business Hedging and swaps relating to DenizBank • Investment securities income up due to gain on sale of securities Non-funded income (USD mn) FY-21 FY-20 Better / (Worse) • Fee and Commission income 1,762 1,531 15% Fee and Commission expense (718) (537) (34)% Net Fee and Commission Income 1,044 994 5% Other operating income 792 514 54% Gain/loss on trading securities 41 49 (16)% Total Non-funded income 1,877 1,557 21% Fee and Commission Income (USD mn) 481 14 437 60 25 361 62 12 54 22226 • Other includes USD 0.1 bn gain from Dubai Bank 418 31 52 Brokerage &AM 249 Trade finance 407 350 352 335 Fee income 295 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 159 Other Operating Income (USD mn) 375 250 FX & Derivative 103 47 23 599 65 Property & Other 52 117 1 54 42 45 27 -5 -2. -6. 8. Investment Sec. Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 17

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