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Investor Presentaiton

Emirates NBD at a glance Emirates NBD's International Presence Market share in the UAE* ➤ Assets 18%; Loans 23%; Deposits 20% ➤ Largest financial institution in Dubai, 4th largest in the GCC ➤ Leading retail banking franchise with a branch network of 900 branches throughout the MENAT region with operations in 13 countries ➤ Leader in digital banking: largest digital lifestyle bank in the region ➤ 55.8% indirectly owned by the Government of Dubai through ICD ➤ Stable credit ratings Moscow 1 London 8 Germany 13 Austria Turkey 694 68 Egypt Short-Term Long-Term Outlook Moody's P-1 A2 Stable Fitch F1 A+ Stable CI A1 A+ Stable *Emirates NBD as at 31-Dec-21 excluding DenizBank Bahrain 7 KSA 107 Mumbai UAE 1 Emirates NBD Emirates NBD Rep. Offices DenizBank Singapore 1 1 Jakarta Beijing 1 5
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