Emirates NBD Investor Presentation H1 2021
Leader in Digital Banking and Innovation
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liv.
The lifestyle digital bank for millennials - launched its innovative
digital credit card offering a truly customized experience, and
personal loans to Liv. customers
• UAE's largest digital bank with 470K+ customers; adding
10,000 customers every month despite economic slowdown
Shifting from a digital bank to first super-app in the region
Best-in-class lifestyle offering in partnership with leaders in
gaming, entertainment, dining, travel, music, videos, etc.
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Launched Liv. Prime a subscription based program that
offers customers increased banking privileges as well as a range
of exclusive lifestyle based offers.
• Also launched accident and health insurance providing coverage
for critical illness, disability, hospitalization and accidents at low
monthly premiums
In KSA, Liv. continues to grow impressively with over 76,000
customers.
In KSA, Liv. introduced the ability to convert loyalty points as
donation to charities during the holy month of Ramadan
Continues to attract millennials as their primary account; strong
customer engagement
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Key Digital
Developments
• Mobile wallet 'contactless' payments continues to strengthen with 86% of all
face-to-face card payment transactions
Instant mobile account opening at -26% of all sourcing
Enhanced digital security framework with a new time-based OTP authentication
for all customers
• Integrated website with UAE PASS for seamless digital account opening
• Launched Instant Quick Account Opening For UAE National Individual And SME
Customers
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• Digital business bank E20. live for most of DED licensed entities and
continues to scale up
Transactions
via digital
channels
Eligible Retail
Business customers
digitally active
Eligible Corporate
clients opting for
digital platform
98%
78%
91%
Emirates NBD Profile
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