Investor Presentation

Non-funded Income showing steady growth Non-funded income Q3-23 Q3-22 %A YOY Q2-23 %A QOQ Key Highlights (All figures are in AED m) • Fee and Commission income 2,394 1,806 33% 1,993 20% Fee and Commission expense (1,116) (744) 50% (874) 28% • Net Fee and Commission Income 1,277 1,062 20% 1,120 14% • Other operating income. 2,174 1,388 57% 2,394 (9)% Gain/loss on trading securities 140 (45) (408)% 78 79% Total Non-funded income 3,592 2,404 49% 3,592 0% Healthy trend in fee and commission income from increased local & international retail card business at both ENBD and DenizBank, strong investment banking revenue and increased Trade Finance Fee income up 20% q-o-q partly on higher card spend volumes at DenizBank Other operating income up 57% y-o-y due to increased retail customer FX remittance volumes, additional corporate hedging, and increase in hedging and swap income relating to DenizBank Q3-23 FX & derivative income lower on tighter FX transaction spreads in Turkey, partially offset by higher gains on investments Fee and Commission Income Other Operating Income (AED m) (AED m) 2,016 1,993 2,394 78 277 1,806 1,870 68 69 54 73 267 271 218 228 2,039 287 2,394 23 284 2,174 91 328 311 1,388 28 2,038 158 2,087 1,533 1,569 1,681 1,653 1,041 85 1,755 49 1,441 1,202 907 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Q3-22 Q4-22 FX & Derivative Q1-23 Property & Others Q2-23 Investment Securities Q3-23 ■Fee Income ■Trade Finance Brokerage and AM Fees 18

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