#1Emirates NBD 601 60 years together COP28 UAE Principal Banking Partner ra Results Presentation | Q3 2023 26 October 2023#2Important Information Disclaimer The material in this presentation is general background information about Emirates NBD's activities current at the date of the presentation. It is information given in summary form and does not purport to be complete. It is not intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any particular investor. These should be considered, with or without professional advice when deciding if an investment is appropriate. The information contained here in has been prepared by Emirates NBD. Some of the information relied on by Emirates NBD is obtained from sources believed to be reliable but does not guarantee its accuracy or completeness. 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There are several factors which could cause actual results to differ materially from those expressed or implied in forward-looking statements. Among the factors that could cause actual results to differ materially from those described in the forward-looking statements are changes in the global, political, economic, business, competitive, market and regulatory forces, future exchange and interest rates, changes in tax rates and future business combinations or dispositions. Emirates NBD undertakes no obligation to revise or update any forward- looking statement contained within this presentation, regardless of whether those statements are affected as a result of new information, future events or otherwise. Rounding Rounding differences may appear throughout the presentation.#3Executive Summary Q3 23 Results Record profit of AED 17.5 bn in AED 9M'23 on higher 品 income & strong AED அ) recoveries Deposits grew 13% by AED 67 bn, including AED 33 bn CASA growth Sustainable Finance Framework launched and issued largest ever green bond from a regional bank AED ($) Record income of AED 32.7 bn in 9M'23 on strong loan & deposit mix coupled with higher interest rates 8% loan growth on strong Retail lending momentum with Corporate closing landmark deals across the region Key Metrics and Guidance Profit Income NIM AED 17.5 bn AED 32.7 bn 4.00% +92% +44% Guidance 3.8-4.0% Cost to Income LCR CET 1 25.5% Guidance Solid balance sheet with improvement in capital, liquidity and credit quality and strong profit remain core strengths of the Group ≤ 33% NPL Cover 145% 190% 16.9% NPL ratio 5.5% Guidance revised to less than 6% Cost of Risk 42 bp Guidance -50-70 bp Loan Growth 8% Guidance high-single digit 1#4Emirates NBD, the Principal Banking Partner at COP28 Delivering ESG Solutions for a greener future Emirates NBD 60 60 years together COP28 UAE Principal Banking Partner EUROMONEY AWARDS FOR EXCELLENCE 2023 Recognised as Best Bank for ESG in the UAE at the Euromoney Excellence Awards 2023 Published Sustainable Finance Framework allowing green and sustainability-linked bond issuance Net-Zero Goals commitment by signing UAE Climate-Responsible Companies Pledge Emirates NBD's COP 28 program CO2 Carbon Trading introduced Emirates NBD becomes 1st UAE as Supporting clients access sustainable finance Expanding ESG awareness ○ bank to offer carbon emission Ø offsetting solution to customers Strong regional Green Bond origination credentials, helping raise US$ 11 billion through Green Bond issues in 2023 5% reduction in Scope 2 emissions from 2022-23 84% reduction in paper usage from 2020-22 Committed to supporting gender equality by signing UAE Gender Balance Pledge 18% Female Leadership in 2023, up from 15% in 2022 Leading on disclosures and transparency Sharing ESG best practice and developing partnerships Expanding sustainable finance product suite श्री Emirates NBD issued US$ 750 million green-bond, the largest ever from a regional bank ESG-Linked Supply Chain Finance Program pioneered in partnership with Emirates Global Aluminium Deniz Ventures makes Innovation Fund investment in Green FinTech start-up Erguvan & 2#5AED 17.5 bn record profit rises 92% y-o-y on strong diversified income growth and healthy recoveries Income Statement 9M'23 9M'22 %ΔΥΟΥ Q3-23 %A YOY %A QOQ (All figures are in AED bn) Key Highlights Net interest income 22.3 15.5 43% 7.8 29% 8% Non-funded income 10.5 7.2 46% 3.6 49% 0% Total income 32.7 22.7 44% 11.4 35% 6% Operating expenses (8.4) (6.4) 31% (2.9) 24% 3% Operating profit 24.4 16.3 50% 8.5 39% 7% before impairment Impairment allowances (1.5) (3.3) (54)% (0.6) (60)% 16% Profit before tax & others 22.9 13.0 75% 8.0 67% 6% Hyperinflation adjustment (3.2) (2.4) 31% (1.8) 236% Tax (2.2) (1.5) 44% (0.9) 102% 248% 22% Profit 17.5 9.1 92% 5.2 38% (16)% Cost: income ratio 25.5% 28.2% (2.7)% 25.3% NIM 4.00% 3.10% 90 bps 4.08% (1.9)% 51 bps (0.7)% 21 bps Balance Sheet 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QOQ Total Assets 836 742 13% 811 3% Total Gross Loans 494 456 8% 479 3% Deposits 570 503 13% 556 3% CET-1 16.9% 15.4% 1.5% 16.6% 0.3% LCR 190% 182% 8% 217% (27)% NPL ratio 5.5% 6.0% (0.5)% 5.6% (0.1)% Group profit up 92% on strong diversified income growth and healthy recoveries - ENBD income higher from balance sheet growth, improving loan and stable funding mix, increased margins and higher transaction volumes - DeinzBank non-funded income higher in 9M'23 from higher customer transaction volumes and margins, hedges and swaps; Q3-23 net interest income higher due to wider margins, loan growth, CPI-linked income and indexation NIMs at top-end of guidance as higher funding cost at ENBD offset by wider DenizBank margins Cost of risk remained low in 9M'23 at 42 bp on strong recoveries and robust operating environment 13% balance sheet growth to AED 835 bn AED 33 bn CASA growth with limited migration to Fixed Deposits in Q3 Corporate lending closing landmark deals across region and Retail lending continuing strong growth momentum AED 1.9 bn profit contribution from DenizBank despite challenging operating environment Higher income enables accelerated investment in digital, AI and international expansion propelling future business growth 3#6NIMs at top-end of guidance Net Interest Margin (%) Quarterly NIM 4.40 -YTD NIM 4.05 4.08 • 3.96 3.57 4.05 3.87 4.00 • 3.43 3.10 Fed Funds Upper Bound 2.89 2.65 2.53 1.75% 0.25% 0.25% 3.25% 4.50% 5.00% 5.25% 5.50% 2019 2020 2021 Q3-22 Q4-22 Q1-23 02-23 Q3-23 Key Highlights 9M'23 NIM up 90 bps y-o-y due to improved loan & deposit mix and higher interest rates Q3-23 NIM up 21 bps q-o-q on higher DenizBank NIM due to improved loan pricing, higher CPI-linked and indexation income, more than offsetting higher funding costs and competitive loan pricing at ENBD NIMS at top-end of 3.8-4.0% guidance range NIM drivers 9M'23 vs 9M'22 (%) 3.10 3.04 (1.06) (0.66) (0.42) NIM drivers Q3-23 vs Q2-23 (%) 4.00 0.45 4.08 3.87 0.17 (0.19) (0.22) 9M'22 Loan Yield Deposit Cost Treasury & Other DenizBank 9M'23 Q2-23 Loan Yield Deposit Cost Treasury & Other DenizBank Q3-23 4#7Non-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 50#8Strong Loan and Deposit growth Gross Loans by Type (AED bn) 8% 494 457 456 470 479 66 69 73 67 67 94 95 101 107 110 DenizBank ■Retail 114 113 116 112 111 ■Sovereign ■Corporate 183 179 180 193 206 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Deposits by Type (AED bn) 13% Key Highlights • Gross lending up 8% in 9M'23 - - Retail lending up 16% with strong demand across all products Corporate lending up 15% on strong origination throughout region in Manufacturing, Trade, Transport and Communication and conglomerates - DenizBank's TL gross loans up 33%. Gross loans down 3% after FX Deposit franchise is a proven key strength of ENBD with AED 67 bn growth in 9M'23 including an impressive AED 33bn increase in CASA - Limited CASA migration in Q3-23 CASA represents 59% of total Group deposits - DenizBank's TL deposits up 94%. Deposits up 5% after FX Gross Loans by Sector (%) Agri 1% 538 556 570 Other 3% 503 481 80 86 Manuf. 5% 89 DenizBank 79 82 26 31 22 Trans & Services 12% 19 16 139 Other 133 146 114 128 Trade 7% ■Time Construction & Hotels 5% ■CASA 272 274 293 311 307 FI & Mgmt Cos 11% Real Estate 9% Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Net Loans by Geography (%) Sovereign 22% Personal 26% International 20% GCC 3% UAE 77% 6#9Credit quality improving with market leading coverage Impaired loans and allowances 5.8 6.0 5.6 5.6 5.5 . 26.6 37.9 27.3 143 39.4 39.8 39.3 39.2 26.2 26.8 27.0 152 147 145 145 Q3-22 Q4-22 Impaired Loans (AED Bn) Coverage Ratio (%) Q1-23 Q2-23 Coverage by Stage Q3-23 Impairment Allowances (AED Bn) NPL Ratio (%) Stagewise ECL (AED bn) Key Highlights NPL ratio improved by 0.5% to 5.5% in 9M'23 on strong writebacks and recoveries Coverage ratio remained healthy at 145% in 9M'23 - S1 coverage increased due to Turkish earthquake and higher rate environment overlay - S2 coverage increased to 29.2% - S3 coverage slightly lower at 94.8% . 2023 cost of risk guidance maintained at ‘50-70bp' and NPL guidance revised to 'less than 6%' Total Gross Loans FY-22 | AED 456 bn 1.2% 26.8% Stage 1 87.7% 1.3% 39.4 39.2 Stage 1 Stage 2 6.4% 29.2% 4.8 5.7 7.8 Stage 3 6.0% ■Stage 2 7.5 98.3% 94.8% ■Stage 3 26.8 26.1 Q4-22 Q3-23 Q4-22 Q3-23 9M'23 | AED 494 bn Stage 1 89.4% Stage 2 5.2% Stage 3 5.5% 7#10Costs firmly controlled with focus on future growth Cost to Income Ratio (%) 10000 33.0% Key Highlights . 9M'23 cost to income ratio at 25.5% comfortably within guidance as continued acceleration of investment for growth supported by higher income Staff costs increased y-o-y to deliver strong business growth and investment in human capital for future growth in digital and international IT and Communication costs increased q-o-q on continued investment to deliver market leading technology solutions 29.1% 28.2% 28.5% 26.0% • 27.4% 25.3% 25.5% 25.3% 25.6% 25.3% Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 CI Ratio (YTD) CI Ratio (QTD) Upper Guidance range Operating expenses trends (AED m) 24% 2,858 2,817 2,896 2,642 2,327 601 857 794 620 268 499 219 219 211 217 Other Cost 177 268 236 178 255 IT & Commun. Dep. & Amort. 1,810 Staff Cost 1,396 1,514 1,567 1,634 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Operating expenses composition (%) Breakdown as of 9M'23 O Staff 62% Other 11% Depreciation 8% IT 5% Communication 4% Service & Legal 3% Occupancy 3% Equip. & Supp. 2% Marketing 2% Amortization 0% 80#11Funding & Liquidity remains very healthy Advances to Deposit and Liquidity Coverage Ratio (%) Key Highlights 105 ADR % -LCR % 217 220 • LCR of 190% and ADR of 80% demonstrate healthy liquidity 100 187 190 182 • Liquid assets* of AED 80 billion cover 11% of total liabilities, 14% of deposits 180 95 152 90 140 • 85 100 87 AED 14 bn of term debt issued in 2023 fully covers 2023 maturities ENBD issued largest ever green bond by regional bank, underlining ESG commitment DenizBank further diversifies funding through issue of US$ 230m and EUR 50m Murabaha term financing agreement 80 83 80 79 80 75 60 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Composition of Liabilities and Debt Issued (%) Customer Deposits 78% Maturity Profile of Debt/Sukuk Issued AED 64.9 bn 19.0 06 14.4 0.6 11.4 10.3 0.6 Debt/Sukuk 9% 6.4 0.6 18.4 4.6 5.1 Others 8% 10.8 9.7 0.7 1.1 7.4 Banks 5% 4.0 3.9 * Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 2023 2024 2025 ENBD 2026 ■Club Deal DenizBank 2027 Beyond 2027 9#12Capital ratios extremely strong Capital (AED bn) 76.6 5.9 105.0 9.1 14.6 90.0 (0.4) (0.8) CET1 31-Dec-22 Net Earnings Interest on AT1 ECL add-back 30-Sep-23 CET1 T1 T2 Capital 30-Sep-23 Risk Weighted Assets (AED bn) Key Highlights CET-1 ratio improved by 1.5% to 16.9% during 9M'23 as the AED 14.6 bn increase in net earnings more than offsets a 7% increase in RWAS • Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement . CET-1 at 16.4% excluding ECL regulatory add-back • IAS 29 hyperinflation adjustment is capital neutral Capital Ratios (%) 19.5 19.7 7% 18.5 18.3 18.7 1.1 1.1 1.1 1.1 1.1 1.8 1.7 1.9 1.8 1.8 533 490 499 515 508 123 132 139 129 138 31 33 33 33 33 15.5 15.4 15.8 16.6 16.9 11 11 12 12 12 326 323 331 334 351 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Q3-22 Q4-22 Q1-23 Credit Risk Market Risk Q2-23 Operational Risk Q3-23 ■CET1% AT1% T2% DenizBank 10#13Divisional Performance 62% Key Highlights Retail Banking and Wealth Management continued its excellent performance with its highest ever nine-month revenue, strongest ever acquisition, and substantial growth in balance sheet Lending increased 16% by AED 15 bn and Deposits grew by AED 29 bn in 9M' 2023 One-third market share of UAE Credit Card spend as card spend grew 28 % y-o-y Income grew 36% on record volumes, improved margins and highest ever non-funded income 'ENBD X' mobile banking app successfully rolled out, using latest technology, security and user experience trends propelling it to the #1 Finance app in the region Signature launched offering ultra-HNW customers unrivalled benefits, services and privileges AUMS grew by an impressive 28% in 2023, reflecting ENBD's full-service platform on the back of Digital wealth platform expansion giving customers access to over 11,000 global equities Corporate and Institutional Banking strengthened its strategic partnership with major Government entities and Corporates by enhancing digitized service platforms Profitability jumped 104% due to significant growth in revenues on increased lending, higher cross-sell across products and strong recoveries Corporate lending (ex. Sovereign) up 15% on strong origination throughout region in Manufacturing, Trade, Transport and Communication and conglomerates Landmark corporate deals including AED 10 billion hybrid Credit Facilities and US$ 3.5 billion revolving Credit Facility closed for large multinational customers 'Emirates NBD Pay', our Merchant Acquiring service, onboarded more than 20 clients, with over AED 3.5 billion transaction value since launch ESG-Linked Supply Chain Finance Program launched with Emirates Global Aluminum Global Markets and Treasury delivered an outstanding performance, generating almost AED 3 billion in income in the first nine months of 2023 Income grew by 186% driven by favorable Balance Sheet positioning coupled with a significant increase in banking book investment income The trading desk reported robust numbers with Foreign Exchange trading posting 89% growth Sales delivered strong growth, driven by Foreign Exchange and Structured products Group Funding issued a US$ 750m green bond, the largest ever from a regional bank DenizBank Profit up 63% to AED 1.9 billion helped by higher income and strong recoveries Operating Segment Metrics 9M'23 9M'22 %A YOY Income (mn) 12,057 8,888 36% Expense (mn) 3,021 2,505 21% Retail Banking and Wealth Management Profit (mn) 6,367 5,548 15% Loans (bn) 110 94 17% Deposits (bn) 287 243 18% Income (mn) 5,895 4,544 30% Expense (mn) 516 478 8% Corporate and Institutional Banking Profit (mn) 5,702 2,788 > 100% Loans (bn) 317 297 7% Deposits (bn) 197 159 24% Income (mn) 2,976 1,040 > 100% Global Markets and Expense (mn) 149 133 12% Treasury Profit (mn) 2,762 847 > 100% Income (mn) 9,026 7,424 22% Expense (mn) 2,664 1,702 57% DenizBank Profit (mn) 1,851 1,139 Loans (bn) 67 66 1% Deposits (bn) 86 79 9% 11#14Appendix SIMRANFIRAY KAM Emirates NBD 60 years together 1601 PERE#15Sep-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#16Financial Results Highlights 9M'23 Emirates NBD 60 Emirates NBD Excluding DenizBank 160 DenizBank Income Statement 9M'23 9M'22 %A YOY Q3-23 %A QOQ 9M'23 9M'22 ΔΥΟΥ Q3-23 %A QOQ 9M'23 9M'22 %A YOY Q3-23 %A QOQ (All figures are in AED bn) Net interest income 22.3 15.5 43% 7.8 8% 18.0 10.6 69% 6.0 (3)% 4.3 4.9 (13)% 1.9 73% Non-funded income 10.5 7.2 46% 3.6 0% 5.7 4.7 23% 1.8 1% 4.7 2.5 89% 1.7 (1)% Total income 32.7 22.7 44% 11.4 6% 23.7 15.3 55% 7.8 (2)% 9.0 7.4 22% 3.6 27% Operating expenses (8.4) (6.4) 31% (2.9) 3% (5.7) (4.7) 21% (1.9) (8)% (2.7) (1.7) 56% (1.0) 32% Operating profit 24.4 16.3 50% 8.5 7% 18.0 10.6 70% 5.9 0% 6.4 5.7 11% 2.6 25% before impairment Impairment allowances (1.5) (3.3) (54)% (0.6) 16% (2.1) (2.4) (12)% (0.6) (10)% 0.6 (0.8) (176)% 0.0 (81)% Profit before tax & others 22.9 13.0 75% 8.0 6% 15.9 8.2 94% 5.3 1% 7.0 4.9 43% 2.6 17% Hyperinflation adjustment (3.2) (2.4) 31% (1.8) 248% (3.2) (2.4) 31% (1.8) 248% Tax (2.2) (1.5) 44% (0.9) 22% (0.2) (0.2) 16% (0.1) (5)% (2.0) (1.3) 48% (0.9) 24% Profit 17.5 9.1 92% 5.2 (16)% 15.6 8.0 96% 5.3 1% 1.9 1.1 63% 0.0 (104)% Cost: income ratio 25.5% 28.2% (2.7)% 25.3% (0.7)% NIM 4.00% 3.10% 90 bps 4.08% 21 bps 24.0% 30.8% 3.85% 2.53% (6.8)% 24.1% 132 bps 3.69% (1.9)% (24) bps 29.4% 22.8% 4.75% 6.04% (129) bps 6.6% 28.1% 1.8% 6.16% 262 bps Balance Sheet 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ Total Assets 836 742 13% 811 3% 700 618 13% 686 2% 136 124 9% 125 8% Total Gross Loans 494 456 8% 479 3% 427 387 10% 412 4% 67 69 (3)% 67 1% Deposits 570 503 13% 556 3% 484 421 15% 476 2% 86 82 5% 80 8% 13#17US$ convenience translation Emirates NBD 60 Emirates NBD 601 Excluding DenizBank DenizBank Income Statement 9M'23 9M'22 %A YOY Q3-23 %A QOQ 9M'23 9M'22 ΔΥΟΥ Q3-23 %A QOQ 9M'23 9M'22 %A YOY Q3-23 %A QOQ (All figures are in USD bn) Net interest income 6.1 4.2 43% 2.1 8% 4.9 2.9 69% 1.6 (3)% 1.2 1.3 (13)% 0.5 73% Non-funded income 2.8 2.0 46% 1.0 0% 1.6 1.3 23% 0.5 1% 1.3 0.7 89% 0.5 (1)% Total income 8.9 6.2 44% 3.1 6% 6.5 4.2 55% 2.1 (2)% 2.5 2.0 22% 1.0 27% Operating expenses (2.3) (1.7) 31% (0.8) 3% (1.6) (1.3) 21% (0.5) (8)% (0.7) (0.5) 56% (0.3) 32% Operating profit 6.6 4.4 50% 2.3 7% 4.9 2.9 70% 1.6 0% 1.7 1.6 11% 0.7 25% before impairment Impairment allowances (0.4) (0.9) (54)% (0.2) 16% (0.6) (0.7) (12)% (0.2) (10)% 0.2 (0.2) (176)% 0.0 (81)% Profit before tax & others 6.2 3.6 75% 2.2 6% 4.3 2.2 94% 1.5 1% 1.9 1.3 43% 0.7 17% Hyperinflation adjustment (0.9) (0.7) 31% (0.5) 248% (0.9) (0.7) 31% (0.5) 248% Tax (0.6) (0.4) 44% (0.3) 22% (0.1) (0.1) 16% (0.0) (5)% (0.5) (0.4) 48% (0.2) 24% Profit 4.8 2.5 92% 1.4 (16)% 4.3 2.2 96% 1.4 1% 0.5 0.3 63% 0.0 (104)% Cost: income ratio NIM 25.5% 28.2% 4.00% 3.10% (2.7)% 90 bps 25.3% 4.08% (0.7)% 21 bps 24.0% 30.8% 3.85% 2.53% (6.8)% 24.1% 132 bps 3.69% (1.9)% (24) bps 29.4% 22.8% 6.6% 28.1% 1.8% 4.75% 6.04% (129) Bps 6.16% 262 bps Balance Sheet 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ 30-Sep-23 31-Dec-22 %A YTD 30-Jun-23 %A QoQ Total Assets 227 202 13% 221 3% 191 168 13% 187 2% 37 34 9% 34 8% Total Gross Loans 135 124 8% 131 3% 116 105 10% 112 4% 18 19 (3)% 18 1% Deposits 155 137 13% 151 3% 132 115 15% 130 2% 23 22 5% 22 8% 14#18Emirates NBD 60 years together 160