Investor Presentaiton

Loans and deposits trends Gross Loans by Type (USD Bn) -4% -3% 130 129 129 129 125 23 22 22 21 18 DenizBank 12 12 13 13 14 Retail 17 17 17 17 18 Islamic* 78 Corporate 77 78 77 76 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Deposits by Type (USD Bn) -2% 126 125 125 127 124 DenizBank Other 2 2 2 22 21 21 2 2 2 38 35 36 223 2 -2% Time Highlights Income Expenses Risk Capital Liquidity Macro Divisional Key Highlights • Gross loans declined 4% (USD 5.5bn) in 2021 due to currency depreciation, offsetting significant demand for retail financing - Retail financing grew USD 1.9bn during a record year for personal loans, mortgages and credit cards - Islamic Financing grew USD 0.8bn during the year Corporate loans down USD 2.2bn on USD 1.2bn of deferral support repayments - DenizBank's Turkish Lira gross loans up 31% in 2021 Deposit mix improved in 2021 with USD 10bn increase in CASA replacing USD 9bn FDs - CASA represents 61% of total Group deposits DenizBank's Turkish Lira deposits up 19% in 2021 Gross Loans by Sector (%) Other 4% Agric. 1% Manuf. 5% Trans & Services 5% Trade 7% Construction & Hotels 6% Net Loans by Geography (%) International 19% Sovereign 33% GCC 3% CASA 59 63 65 67 69 FI & Mgmt Cos 7% Real estate 11% Personal 21% Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 * Gross Islamic Financing Net of Deferred Income UAE 78% 16

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