Emirates NBD Investor Presentation H1 2021

Strong track record of profitability Consistently profitable due to diversified and resilient business model 9.1% 9.3% 8.8% 10.5% 15.7% 19.7% 18.0% 18.8% 20.3% 16.5% 9.5% 13.1% 3.2 Operating Revenue '10-'20 CAGR: 8% Net Profit '10-'20 CAGR: 11% 6.3 6.1 4.7 4.1 4.2 4.0 4.0 3.9 3.1 2.7 2.3 1.9 2.0 1.4 0.9 0.7 2.6 2.7 2.8 LLLI 0.6 0.7 2010 2011 2012 2013 2014 ■Operating Revenue (USD Bn) 1.9 1.3 2015 2016 2017 2018 ■Net Profit (USD Bn) 2019 Return on Average Tangible Equity Excl. NI gain for 2019 2020 H1 2021 Emirates NBD Profile 11

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