Investor Presentaiton

5 CONTENTS CON Emirates NBD Chairman's Message 07 Vice Chairman and Managing Director's Message Group CEO's Message Innovative Products and Services 28 · -'ייייס 31 • Corporate and Institutional Banking Overview Corporate Banking - Financial Institutions - Investment Banking and Securities Services - Transaction Banking - Islamic Banking Global Markets and Treasury Emirates Islamic • DenizBank International Information Technology and Operations - Tanfeeth Group Human Resources Economic Overview Strategy 2023 16 33 • • Review of Performance 21 . Financial Overview Retail Banking and Wealth Management - Overview - New Product Launches and Campaigns - - Liv. Digital Bank Brand Leadership - Distribution · Digital Innovation - Customer Service - Personal Banking Priority Banking Business Banking - Private Banking 27 41 44 • • Group Risk Management 49 . Group Compliance 51 66 Looking to the Future with Confidence The Board and its Committees Management Financial Highlights Awards and Accolades Emirates NBD Headquarters Emirates NBD Overseas Branches and Representative Offices Emirates NBD Overseas Subsidiaries Other Subsidiaries and Associate Contacts ANNUAL REPORT 20 6

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