Investor Presentaiton

Divisional performance Operating Segment Metrics FY-21 Income (mn) 8,045 Retail Banking and Wealth Management Expenses (mn) 2,239 Loans (bn) 53.9 Deposits (bn) 178.8 Income (mn) 5,664 -4% Corporate and Institutional Banking Expenses (mn) 541 -11% Loans (bn) 264.8 -4% Deposits (bn) 160.2 -4% Income (mn) 2,398 Expenses (mn) 1,191 Emirates Islamic Loans (bn) 42.6 Deposits (bn) 47.3 Income (mn) (61) Expenses (mn) 158 Global Markets and Treasury Assets (bn) 145.6 Liabilities (bn) 23.3 -25% Income (mn) 7,042 Expenses (mn) 2,213 DenizBank Loans (bn) 61.1 -25% Deposits (bn) 68.8 -19% Increase / (Decrease) 4% Highlights Income Expenses Risk Capital Liquidity Macro Divisional 9% 17% • 8% 15% 10% 4% 1% -7% 18% -3% -2% Key Highlights Retail Banking and Wealth Management • • • • Record year for consumer loan origination, cards acquisitions and low-cost CASA Customer advances increased 17% and CASA grew AED 20bn (15%) during 2021 Retail Banking, Private Banking & Asset Mgmt all delivered double-digit NFI growth Close to 25% market share of UAE debit and credit card spends Revamped Mobile & Online platforms and Business Banking proposition Corporate and Institutional Banking • • • • • Record year in the capital markets and strong growth in International segment 8% growth in non-funded income and volumes were offset by falling interest rates Significant CASA growth helped improve liquidity mix and improve funding cost Strong new loan origination helped partially cover anticipated repayments in 2021 EmCap successfully led key ESG transactions from the region Emirates Islamic Profit grew on higher non-funded income and lower impairment allowances ADR healthy at 90%; CASA represent 77% of total deposits Issued a USD 500mn 5-year Senior Sukuk Launched the Expo Mastercard Credit Card and Branch at Expo 2020 Dubai Global Markets and Treasury • NII up 61% y-o-y on increased income from hedging & banking book investments Group Funding helped issue USD 6.75bn of term debt Demonstrated readiness for global transition to new indices by issuing notes based on new reference rates and helping customers update documentation DenizBank 86% • . Net profit up 20% on higher non-funded income and lower impairments in 2021 • Income down 3% primarily due to lower net interest income on FX translation • Cost of risk improved to 343 bps in 2021 as DenizBank continues to boost coverage • Turkish Lira net loans and deposits up 26% and 19% in 2021 24

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