Emirates NBD Earnings Presentation

Executive Summary FY 22 Results Key Highlights Key Metrics and Guidance AED AED Strong momentum continues with AED 13 bn profit up 40% in 2022 Income 36% higher driven by improved loan & deposit mix coupled with higher interest rates Net Profit AED 13 bn +40% Income AED 32.5 bn +36% Deposits grew by AED 47 bn including AED 20 bn CASA growth AED Record retail financing and AED 50 billion of new corporate lending NIM 3.43% Guidance 2022: 3.2-3.3% 2023: 3.8-4.0% Cost to Income LCR CET 1 28.5% Guidance 2022: ≤ 33% 2023: 33% 182% 15.4% International contributes 39% of diversified income, with ($) Solid balance sheet with improvement in capital, liquidity and credit DenizBank delivering quality and strong strong customer operating profit remain income growth core strengths of the Group NPL Cover 145% Cost of Risk NPL 6.0% Guidance 2022: < mid 6% 2023: < mid 6% 108 bp Guidance 2022: 100-125 bp 2023: ≤ 100 bp Loan Growth Ex. Sovereign 12% Total Loan Growth Guidance 2022: low-single digit 2023: mid-single digit 16

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