RAKBANK Investor Presentation - Q4/12M 2021

RAKBANK Investor Presentation - Q4/12M 2021 Highlights Net profit increased by 50% FY 21 v/s FY 20 Impairment charges declined by 35% FY 21 v/s FY 20 Gross Loans & Advances increased by 6.1 % Return on Equity at 9.5 % for FY 21 . FY 21 v/s FY 20 RAKBANK Simply Better • • . Gross Loans and Advances increased by 6.1% YOY and Customer Deposits increased by 1.9 % YOY Provision for credit loss continues to improve, declining by AED 586.6 million in in year ending 2021 vs 2020 Total operating income dropped by AED 333.5 million in year ending 2021 vs 2020 Non-performing Loans and Advances to Gross Loans and Advances Ratio improved to 4.1% as at 31 December 2021 vs 5.2 % as at 31 December 2020 2

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