Investment Bank. Net Interest Income** 32 6% 19 6% 67% % 91 9% 179% Capital Gain (Loss) on Investments***

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1 Consolidated Balance Sheet Investment Commercial Consolidated EGP (mn) Bank Bank EFG Hermes Loans N/M 9,72 9,12 Total Assets 13,473 35,53 47,98 Deposits N/M 31,77 31,138 Equity 8,22 2,633 9,44 Source: EFG Hermes balance sheet Financial Summary Investment Bank Commercial Bank* EGP (mn) 2Q1 Total Operating Revenue ,654 1, Total Operating Expenses Net Operating Profit , Net Operating Margin 2.8% 42.2% 53.3% 63.9% 55.7% 53.1% 46.8% 53.6% 48.1% Net Profit After Tax & Minority Interest ** Only 3Q21 figures of commercial bank (Crédit Libanais) are included in consolidated 9M21 results Source: EFG Hermes management accounts and Crédit Libanais data Consolidated EFG Hermes EGP (mn) 2Q1 Total Operating Revenue ,91 1,52 Total Operating Expenses Net Operating Profit , Net Operating Margin 37.4% 42.2% 53.3% 62.5% 55.7% Net Profit After Tax & Minority Interest Source: EFG Hermes management accounts Consolidated Revenue EGP (mn) Investment Bank - Fee & Commission Revenue Investment Bank - Capital Markets & Treasury Operations Revenue of which: * % % 5% % % 14% 56 11% 52 15% 9% % % 485% Net Interest Income** 32 6% 19 6% 67% % 91 9% 179% Capital Gain (Loss) on Investments*** 24 5% 32 1% -25% % 79 8% 835% Revenue from Bank Audi**** % % N/M % 36 29% N/M Commercial Bank Revenue % N/R N/R % N/R N/R Total Revenue 497 1% 341 1% 46% 1,91 1% 1,52 1% 82% * Only 3Q21 revenue of commercial bank (Crédit Libanais) are included in consolidated 9M21 revenue **Net of bank interest paid, bank charges, FX differences and intercompany revenue (expenses) ***Represents realized & unrealized gains/loss on trade facilitation account, includes EGP million of capital gain on sale of Bank Audi in 1Q 21 **** Being share of profit of associate in 3Q 29 & 9M 29 Source: EFG Hermes management accounts

2 Consolidated Operating Expenses Investment Bank Commercial Bank Consolidated EFG Hermes EGP (mn) Total Operating Revenue Total Operating Expenses Net Operating Profit Net Operating Margin 2.8% 53.1% 37.4% Employee Expenses Employee Expenses/Total Oper. Revenue 56.2% 28.2% 41.8% Employee Expenses/Total Oper. Expenses 71.% 6.1% 66.8% Other Operating Expenses Other Operating Expenses/Total Oper. Revenue 23.% 18.7% 2.8% Other Operating Expenses/Total Oper. Expenses 29.% 39.9% 33.2% Source: EFG Hermes Management Accounts Investment Bank Commercial Bank Consolidated EFG Hermes EGP (mn) * Total Operating Revenue 1, ,91 Total Operating Expenses Net Operating Profit 1, ,193 Net Operating Margin 63.9% 53.1% 62.5% Employee Expenses Employee Expenses/Total Oper. Revenue 24.7% 28.2% 25.1% Employee Expenses/Total Oper. Expenses 68.4% 6.1% 67.% Other Operating Expenses Other Operating Expenses/Total Oper. Revenue 11.4% 18.7% 12.4% Other Operating Expenses/Total Oper. Expenses 31.6% 39.9% 33.% * Includes EFG Hermes Investment Bank 9M21 and Crédit Libanais 3Q21 numbers. Source: EFG Hermes Management Accounts

3 A. The Investment Bank Total Revenues Total Revenue Breakdown EGP (mn) Total Fee & Commission Revenue Capital Markets & Treasury Operations Revenue of which: % % 5% 657 4% % 14% 56 23% 52 15% 9% 997 6% % 485% Net Interest Income* 32 13% 19 6% 67% % 91 9% 179% Capital Gain (Loss) on Investments** 24 1% 32 1% -25% % 79 8% 835% Revenue from Bank Audi*** % % N/M % 36 29% N/M Total Revenue 241 1% 341 1% -29% 1,654 1% 1,52 1% 57% * net of bank interest paid, bank charges, FX differences and intercompany revenue (expenses) ** represents realised & unrealised gains/loss on trade facilitation account, includes EGP million of capital gain on sale of Bank Audi in 1Q 21 *** being share of profit of associate in 3Q 29 & 9M 29 Source: EFG Hermes Management Accounts

4 a. Fee and Commission Revenue Brokerage Average Daily Commission USD (Thousands) Asset Management AuMs USD (bn) Q6 2Q6 3Q6 4Q6 1Q7 2Q7 3Q7 4Q7 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 1Q7 2Q7 3Q7 4Q7 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 Source: EFG Hermes Source: EFG Hermes Fees and Commission Revenue (EGP mn) Brokerage: Egypt % % -22% Brokerage: UAE 6 3.3% % -59% Brokerage: KSA 3 1.6% 1 5.8% -71% Brokerage: Oman 2.9% 4 2.1% -57% Brokerage: Kuwait 1 5.6% % -2% Brokerage: Jordan.2%.% NM Total Brokerage % % -31% Asset Management: Egypt % % 37% Asset Management: Regional % % -29% Total Asset Management % % -8% Private Equity % % 5% Investment Banking: Egypt % 9 4.9% 23% Investment Banking: Regional 11 6.%.% NM Total Investment Banking % 9 4.9% 361% Total Fees & Commissions 185 1% 176 1% 5% Source: EFG Hermes Management Accounts

5 (EGP mn) 9M 21 9M 29 Brokerage: Egypt % % -15% Brokerage: UAE % % -4% Brokerage: KSA 9 1.4% % -24% Brokerage: Oman 7 1.% 1 1.8% -35% Brokerage: Kuwait % 5 8.8% -15% Brokerage: Jordan.1%.% NM Total Brokerage % % -19% Asset Management: Egypt % % 18% Asset Management: Regional % % -9% Total Asset Management % % % Private Equity % % 4% Investment Banking: Egypt % 17 3.% 664% Investment Banking: Regional % 8 1.3% 48% Total Investment Banking % % 478% Total Fees & Commissions 657 1% 575 1% 14% Source: EFG Hermes Management Accounts Activity During Quarter (difference beginning & ending indices) Indices Volumes Indices 2Q1 Volumes 2Q1 2Q1 Egypt 2% -11% 1% -2% -4% 1% -42% Dubai 23% -21% 15% -23% -77% 15% -54% Abu Dhabi 19% -14% 6% -14% -62% 6% -1% Saudi Arabia 13% -1% 5% 1% -45% 5% -5% Bahrain -2% -1% 3% -7% -59% 3% -43% Jordan -2% -7% -2% -14% -17% -2% -35% Kuwait -3% -13% 7% -11% -55% 7% -12% Lebanon 3% -6% -5% -2% -39% -5% -4% Morocco -7% 3% 1% 11% 26% 1% 11% Oman 17% -1% 7% -2% -61% 7% -28% Qatar 14% -8% 12% 4% -5% 12% -47% Total Weighted Average 1% -1% 6% -4% -44% 6% -4% Average of Egypt & GCC 13% -11% 7% -4% -5% 7% -44% Source: Regional Markets and EFG Hermes

6 Brokerage Revenue by Desk Call Centre Pure Online 1% 5% HNWI 17% Western Institutions 25% Regional Institutions 6% Retail & VIP 46% Source: EFG Hermes Egypt EFG Hermes Executions and Market Share (EGP bn) % % 3% % Q7 2Q7 3Q7 4Q7 Source: EGX and EFG Hermes Executed by EFG-Hermes Market Share % 55% 37% 41 1% 91 4% 32% 34% 28% 56 24% 25% 43 18% Q8 2Q 8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 7% 6% 5% 4% 3% 2% 1% %

7 UAE EFG Hermes Executions and Market Share 35% 3% 25% 2% 15% 1% 5% % EFG-Hermes Excutions in UAE Market Share in DFM Market Share in ADX (USD mn) 6,84 7,,325 8, 7, 5,712 5, % 6, 24.6% 18.2% 3, % 2.% 23.3% 21.% 18.3% 18.5% 19.3% 19.6% 5, 13.6% 15.7% 4, 16.% 16.4% 14.7% 13.1% 17.% 11.8% 11.1% 17.5% 2, % 13.2% 13.6% 2, %1.% 3, 3,748 9.% 1.1% 9.% 1,83 5.% 2,429 2,24 2,274 1,326 2, 1, , 1Q7 2Q7 3Q7 4Q7 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 Source: DFM, ADX and EFG Hermes Saudi Arabiaa EFG Hermes Executions and Market Share (SAR mn) Executed by EFG-Hermes Market Share 1, 9,285 8,478 8, 2.4% 6, 5, 81 4, % 1.6% 1.6% 3,652 4, 2,872 3, % 1.% 2,.9% 1.1%.6% 2,632 3,54 1,117 1.% 1,915 2,77.7% 1, % 2Q7 3Q7 4Q7 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 3% 3% 2% 2% 1% 1% % Source: Tadawul and EFG Hermes

8 Oman EFG Hermes Executions and Market Share G b ll (OMR mn) % 16.9% Executed by EFG-Hermes Market Share % 24.3% 21.5% 23.3% 19.2% % 18.8% 21.4% % % 3% 25% 2% 15% 1% 5% % 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 Source: Muscat Securities Market and EFG Hermes Kuwait EFG Hermes Executions and Market Share G b ll (KWD mn) 3,5 3, 12 3, 2, % 2,5 2, 26.3% 1,5 1, Executed by EFG-Hermes Market Share 36.% 35.4% 2, % 29.1% 3.2% 27.4% 23.5% 1, % 1,472 1, ,496 1, % 35% 3% 25% 2% 15% 1% 5 5% % 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 Source: Kuwait Securities Exchange and EFG Hermes

9 Research Research Coverage Universe 12 Egypt UAE KSA Others M21 Source: EFG Hermes

10 I. Asset Management Development of Listed Assets under Management (EGP bn) Portfolios Offshore Equity Funds Money Market & Fixed Income Egypt Equity Funds Q7 2Q7 3Q7 4Q7 1Q8 2Q8 3Q8 4Q8 1Q9 2Q9 4Q9 1Q1 2Q1 Source: EFG Hermes Assets under Management by Type of Client Private Bank, 4.1% Retail, 1.3% Other,.2% Endowment, 9.5% Fund of Funds, 4.8% SWF, 23.4% Foundation/ Endowment/ Insurance, 2.9% Institutional, 24.3% HNWI/Family Office, 11.5% Source: EFG Hermes

11 Assets under Management by Funds Origination Other,.1% Asia, 3.4% Europe, 16.3% USA, 12.% MENA, 68.2% Source: EFG Hermes b. Capital Markets and Treasury operations EGP (mn) Total Fee & Commission Revenue % % 5% 657 4% % 14% Capital Markets & Treasury Operations Revenue 56 23% 52 15% 9% 997 6% % 485% of which: Net Interest Income* 32 13% 19 6% 67% % 91 9% 179% Capital Gain (Loss) on Investments** 24 1% 32 1% -25% % 79 8% 835% Revenue from Bank Audi*** % % N/M % 36 29% N/M Total Revenue 241 1% 341 1% -29% 1,654 1% 1,52 1% 57% * net of bank interest paid, bank charges, FX differences and intercompany revenue (expenses) ** represents realised & unrealised gains/loss on trade facilitation account, includes EGP million of capital gain on sale of Bank Audi in 1Q 21 *** being share of profit of associate in 3Q 29 & 9M 29 Source: EFG Hermes Management Accounts

12 Operating Expenses Fee & Commission Income Capital Markets & Treasury Operations Total Investment Bank Total Operating Revenue % % % Total Operating Expenses % % % Net Operating Profit % % % Net Operating Margin 11% 2% 54% 89% 21% 53% Employee Expenses % % % Employee Exp./Total Oper. Revenue 64% 52% 3% 6% 56% 3% Employee Exp./Total Oper. Expenses 72% 65% 67% 54% 71% 64% Number of Employees 1, % Other Operating Expenses % 9 8 6% % Other Operating Exp./Total Oper. Revenue 25% 28% 15% 5% 23% 17% Other Operating Exp./Total Oper. Expenses 28% 35% 33% 46% 29% 36% Source: EFG Hermes Management Accounts Fee & Commission Income Capital Markets & Treasury Operations Total Investment Bank Total Operating Revenue % % 1,654 1,52 57% Total Operating Expenses % % % Net Operating Profit % % 1, % Net Operating Margin 2% 26% 93% 91% 64% 56% Employee Expenses % % % Employee Exp./Total Oper. Revenue 54% 45% 5% 4% 25% 26% Employee Exp./Total Oper. Expenses 68% 61% 69% 43% 68% 59% Number of Employees 1, % Other Operating Expenses % % % Other Operating Exp./Total Oper. Revenue 25% 29% 2% 5% 11% 18% Other Operating Exp./Total Oper. Expenses 32% 39% 31% 57% 32% 41%

13 B. The Commercial Bank In USD (mn) FY29 Deposits 5,31 4,546 4,77 Loans 1,564 1,176 1,279 Total Assets 6,278 5,184 5,482 Shareholders' Equity Pre-provisions Operating Income Net Income Source: EFG Hermes and Crédit Libanais Total Assets Growth USD (mn) 7, 6,278 6, 5,482 5, 4,454 3,776 4, 3, 2, 1, M21 Loans and Deposits Market Share Loans Market Share Deposits Market Share 5.5% 5.4% 4.78% 4.86% 5.% 4.57% 4.51% 4.62% 4.5% 3.91% 4.% 3.67% 3.5% 3.% 2.5% 2.% M21 Source: Crédit Libanais data Source: Crédit Libanais data Loan Book Breakdown by Currency 1% Foregin Currency Local Currency 8% 6% 4% 71% 67% 29% 33% 6% 4% 2% % M21 Source: Crédit Libanais data

14 Loan Book Breakdown by Type Accrued Interest receivable,.2% SME, 14.8% Corporate, 31% Retail, 54% Source: Crédit Libanais data Loan Book Breakdown by economic sector Agriculture, 1% Industry, 17% Retail consumers, 54% Commerce& Trade, 24% Construction & Real Estate, 4% Source: Crédit Libanais data

15 Loans to Deposits Ratio 35% 3% 25% 2% 15% 1% 5% % 29.5% 26.5% 27.17% 24.6% M21 Source: Crédit Libanais data ROAE ROAA 25.% 2.% 15.% 1.% 5.%.% 11.93% 19.34% 17.82% 23.91% 1.6% 1.4% 1.2% 1.%.8%.6%.4%.2%.% 1.% 1.47% 1.24% 1.49% M M21 Source: Crédit Libanais data Source: Crédit Libanais data

16 In this earnings release EFG Hermes may make forward looking statements, including, for example, statements about management s expectations, strategic objectives, growth opportunities and business prospects. Such forward looking statements by their nature may involve a number of risks, uncertainties and assumptions that could cause actual results or events to differ materially from those expressed or implied by these statements. Examples may include financial market volatility; actions and initiatives taken by current and potential competitors; general economic conditions; and the effect of current, pending and future legislation, regulations and regulatory actions. Furthermore, forward looking statements contained in this document that reference past trends or activities should not be taken as a representation that such trends or activities will continue. EFG Hermes does not undertake any obligation to update or revise any forward looking statements. Accordingly, readers are cautioned not to place undue reliance on forward looking statements, which speak only as of the date on which they are made. This document is provided for informational purposes only. It does not constitute an offer to sell or a solicitation of an offer to buy any securities or interests described within it in any jurisdiction. We strongly advise potential investors to seek financial guidance when determining whether an investment is appropriate to their needs. EFG Hermes Holding SAE has its address at Building No. B129, Phase 3, Smart Village km 28 Cairo Alexandria Desert Road, 6 October and has an issued capital of EGP 1,939,32,. المجموعة المالية هيرميس القابضة شرآة مساهمة القرية الذآية مبنى ١٢٩ ب المرحلة الثالثة السادس من أآتوبر رأس المال المصدر: ١ ٩٣٩ ٣٢٠ ٠٠٠ جم Stock Exchange & Symbol: Cairo: HRHO.CA London: HRHOq.L Bloomberg: EFGH Reuters pages: EFGS.HRMS.EFGI.HFISMCAP.HFIDOM EFG Hermes (Holding Main Office) Building No. B129, Phase 3, Smart Village km 28 Cairo Alexandria Desert Road, 6 October Egypt Tel Fax efg-hermes.com