Emirates NBD Earnings Presentation

Funding & Liquidity remains very healthy Advances to Deposit and Liquidity Coverage Ratio (%) ADR % 180 LCR % 178 160 182 100 96 157 155 152 140 93 91 91 92 87 120 88 82 100 84 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Composition of Liabilities and Debt Issued (%) Banks 6% Others 8% Key Highlights * LCR of 182% and ADR of 82% demonstrate healthy liquidity Liquid assets of AED 75 billion cover 12% of total liabilities, 15% of deposits AED 7 bn of term debt issued in 2022 despite challenging market conditions AED 8.6bn maturities in 2023 comfortably within Group's issuance capabilities Emirates NBD successfully issued an AED 1 bn 3-year public bond in Jan-23, becoming the first issuer to access this market since UAE Ministry of Finance developed local yield curve Maturity Profile of Debt/ Sukuk Issued AED 57.2bn 8.6 10.9 9.5 7.8 20.4 0.0 Customer Deposits 78% 0.4 0.4 20.3 Debt/Sukuk 9% 1.6 0.0 6.4 9.1 7.0 7.7 4.1 2023 2024 2025 2026 Beyond 2026 * Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities ENBD ■Club Deal ■Deniz Bank 25

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