Emirates NBD Earnings Presentation

Non-funded Income Non-funded income FY-22 FY-21 %ΔΥΟΥ (All figures are in AED bn) Fee and Commission income 7,004 6,475 8% Fee and Commission expense (2,923) (2,639) 11% Net Fee and Commission 4,081 3,836 6% Income Other operating income 5,152 2,910 77% Gain/loss on trading securities 52 151 (66)% Total Non-funded income 9,285 6,897 35% Fee and Commission Income Key Highlights Healthy trend in fee and commission income, 8% higher y-o-y from increased local and international retail card business at both ENBD and DenizBank and strong investment banking revenue Other operating income up 77% in 2022 due to higher retail FX volumes as customers increased remittance at favorable rates and higher corporate hedging activity to lock in lower funding costs Other operating income lower in Q4-22 due to lower property gains and FX and derivative income reverting to levels of earlier quarters Other Operating Income (All figures are in AED bn) (All figures are in AED bn) 1,538 1,527 1,801 1,806 1,870 1,378 1,188 1,552 1,388 1,041 63 54 73 Brokerage & AM fees 113 192 58 233 218 228 Trade Finance LO 5 28 198 359 49 28 158 430 217 85 49 Fee Income 1,505 1,533 1,569 1,232 1,271 Investment Sec. Property & Other 1,188 1,202 921 922 907 FX & Derivative Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 21

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