Investor Presentation

Executive Summary Q3 23 Results Record profit of AED 17.5 bn in AED 9M'23 on higher 品 income & strong AED அ) recoveries Deposits grew 13% by AED 67 bn, including AED 33 bn CASA growth Sustainable Finance Framework launched and issued largest ever green bond from a regional bank AED ($) Record income of AED 32.7 bn in 9M'23 on strong loan & deposit mix coupled with higher interest rates 8% loan growth on strong Retail lending momentum with Corporate closing landmark deals across the region Key Metrics and Guidance Profit Income NIM AED 17.5 bn AED 32.7 bn 4.00% +92% +44% Guidance 3.8-4.0% Cost to Income LCR CET 1 25.5% Guidance Solid balance sheet with improvement in capital, liquidity and credit quality and strong profit remain core strengths of the Group ≤ 33% NPL Cover 145% 190% 16.9% NPL ratio 5.5% Guidance revised to less than 6% Cost of Risk 42 bp Guidance -50-70 bp Loan Growth 8% Guidance high-single digit 14

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