Investor Presentation

Stable Shareholder Base and Diversified Business Model Split of Ownership - Anchored by the Government of Dubai Ownership structure as of September 2023 Others 39% Capital Assets 5% Dividend per share grew 150% since 2013 Dividend per share growth (CAGR) of 10% p.a. Investment Corporation of Dubai 56% 0.60 0.50 0.40 0.40 0.40 0.40 0.40 0.40 0.35 0.25 Key Highlights • A flagship bank for the Government of Dubai and the UAE . • . Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership at 14.1% on 2nd November 2023 with FOL limit increased to maximum permissible 40% in July 2020 Equity Analysts Coverage Buy Hold Sell 15 1 Recommendation Average Target Price Price as on 2nd November 2023 9M'23 EPS 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 All figures in AED 20.02 17.15 2.71 6

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