Investor Presentation Q3 2021

Stable Shareholder Base and Diversified Business Model Split of ownership - Anchored by the Government of Dubai Ownership structure as at 30 September 2021 Others 39% Capital Assets 5% Balanced asset composition % by segment as at 30 September 2021 CIB 45% Investment Corporation of Dubai 56% GMT 18% DenizBank 18% RBWM 10% Islamic Banking 9% 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 11.9% at 26-Oct-2021 Recommendation Equity Analysts Coverage Buy Hold Sell 11 1 In AED Target Price 15.9 Price at 26-Oct-2021 13.9 EPS 30-Sep-2021 0.38 8

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