Investor Presentaiton

Loans and deposits trends Gross Loans by Type (AED Bn) -4% -3% 479 472 475 475 459 85 DenizBank 81 79 79 65 Retail 44 45 47 49 51 Islamic* 62 62 63 63 65 65 Corporate 287 284 285 284 279 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Deposits by Type (AED Bn) -2% 464 459 458 467 456 -2% DenizBank 85 80 79 78 69 7 8 9 8 10 Other 157 139 130 134 124 Time CASA 216 232 241 246 254 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 * Gross Islamic Financing Net of Deferred Income Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights • Gross loans declined 4% (AED 20bn) in 2021 due to currency depreciation, offsetting significant demand for retail financing - - - Retail financing grew AED 7bn during a record year for personal loans, mortgages and credit cards Islamic Financing grew AED 3bn during the year Corporate loans down AED 8bn on AED 4.2bn of deferral support repayments DenizBank's Turkish Lira gross loans up 31% in 2021 Deposit mix improved in 2021 with AED 38bn increase in CASA replacing AED 33bn FDs - CASA represents 61% of total Group deposits DenizBank's Turkish Lira deposits up 19% in 2021 Gross Loans by Sector (%) Other 4% Agric. 1% Manuf. 5% Trans & Services 5% Trade 7% Construction & Hotels 6% FI & Mgmt Cos 7% Net Loans by Geography (%) International 19% Sovereign 33% GCC 3% UAE 78% Real estate 11% Personal 21% 16

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