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Investor Presentaiton

Emirates NBD at a glance Key Highlights 1. Largest financial institution in Dubai, one of the largest and most profitable in GCC 2. Leading retail banking franchise with a branch network of 850 branches throughout the MENAT region with operations in 12 countries 3. Leader in digital banking: largest digital lifestyle bank in the region 639 Turkey 11 Austria Emirates NBD's International Presence 3 Germany 1 Bahrain 1 London 4. 41% indirectly owned by the Government of Dubai through ICD 67 Egypt 15 KSA 109 UAE Stable Credit Ratings 3 India त 1 Singapore Short-term Long-term Outlook 1 Jakarta Moody's P-1 A2 Stable 1 Beijing Fitch F1 A+ Stable CI A1 A+ Stable Emirates NBD Emirates NBD Rep. Offices DenizBank Emirates NBD 60 60 years together 5
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