Investor Presentaiton

Stable Shareholder Base and Diversified Business Model Split of ownership - Anchored by the Government of Dubai Ownership structure as at 30 June 2022 Others 39% Capital Assets 5% Balanced asset composition % by segment as at 30 June 2022 GM&T 20% Investment Corporation of Dubai 56% CI&B 43% DenizBank 16% Key Highlights • • • • • A flagship bank for the Government of Dubai and the UAE Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 12.4% at June 2022 Recommendation In AED Equity Analysts Coverage Buy Hold Sell 11 1 Target Price 17.1 RBWM Price at 28-Jul-2022 13.25 11% 0.80 EPS 30-Jun-2022 Islamic Banking 10% 8

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