Q3 2023 Results Presentation

Sep-20 477 Dec-20 505 524 Hyperinflation Türkiye Consumer Price Index 547 571 687 254% 119% 844 Jun-22 846 Sep-22 1,047 Dec-22 1,128 Mar-23 1,270 Jun-23 1,352 Turkish CPI grew by 254% over preceding three-years and by 62% in the preceding 12 months DenizBank's results and financial position included within ENBD's consolidated Financial Statements are adjusted for hyperinflation with effect from 1-Jan-22 Monetary Assets Non-monetary Assets · Monetary Liabilities Net Monetary 1 Equity Position Non-monetary Liabilities 62% Sep-23 1,691 • Key Highlights 1.6 1.1 (1.0) 1.5 3.3 (0.8) 1.9 (0.6) Net profit 9M'22 Income Expenses Provisions Profit before Hyperinflation Tax tax & others Adjustment Profit 9M'23 28 bps positive impact on capital from hyperinflation adjustment is excluded from capital adequacy computations Group EPS for 9M'23, excluding hyperinflation adjustment, is 82% higher at AED 3.21 compared to AED 1.76 for 9M'22 Hyperinflation accounting not mandated by local regulator 12

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