Investor Presentaiton

Leader in Digital Banking and Innovation liv. Liv. is now over 640,000 customer strong in UAE & KSA, making it the largest digital lifestyle bank in the region. • Liv. has expanded its product offering to add 2 products: • Liv. USD account: Keeping investors in mind, Liv. USD account allows customers to save in USD with attractive interest rates and transfer funds globally to their investment platforms for free. • Liv. Cash: One-click overdraft facility for customers to meet their short-term needs. • Liv. has also launched Liv. Young, the region's first banking app and debit card for kids aged 8-18 years. Liv. Young helps kids build good money habits with features such as saving with goal accounts, tracking their spends, and earning by completing tasks/ chores assigned by parents. • Liv. Prime (the first lifestyle-banking subscription plan in the region) and Liv. Sure (General Insurance products) continue to be strong revenue generators for Liv. Key Digital Developments • 90% of all face-to-face card payment transactions now 'contactless' through Mobile wallet • An enhanced tablet banking solution for new credit card sourcing was launched • Launched DEWA IPO portal on Emirates NBD website with real time direct integration with Dubai Financial Market (DFM) • A self-service tablet banking proposition for account opening was rolled out in KSA Transactions via digital channels Eligible Retail Business customers digitally active Eligible Corporate clients opting for digital platform 96% 2021 84% 2021 98% 85% Q1 2022 Q1 2022 91% 2021 91% Q1 2022 60

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