Emirates NBD Digital Banking Innovation Update

Consistently profitable due to diversified and resilient business model 8.8% 10.5% 15.7% 19.7% 18.0% 18.8% 20.3% 16.5% 9.5% 12.8% 16.4% Total Income CAGR (12-21): 10% Net Profit CAGR (12-21): 15% 17.4 15.2 15.4 14.7 14.4 11.8 10.2 10.0 8.3 7.1 7.2 5.1 3.3 2.6 2012 2013 2014 2015 2016 11/10/2022 4:49 PM 2017 2018 23.8 23.2 22.4 22.7 14.5 9.3 9.1 7.0 2019 2020 2021 9M 2022 ■Total Income (AED Bn) ■Net Profit (AED Bn) 10

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