Investor Presentaiton

19 STRATEGY 2023 Looking to the Future with Confidence In 2023, the Group will continue to expand its branch footprint in Egypt and KSA while further developing competitive niches in the United Kingdom (UK), Singapore and India. We remain focused on optimising network linkages between our markets to drive business growth as well to share synergies on controls and best practices. Specifically, Emirates NBD will continue to tap into opportunities between DenizBank and the Group's network to further bolster business and support linkages. A key imperative for 2023 would be to maintain business momentum across international markets and manage risk factors as global macroeconomic challenges continue to unfold. The Group also continues to assess new growth avenues by evaluating select markets and potential targets for organic and inorganic growth. Build market leading infrastructure IT In 2022, Emirates NBD leveraged upgraded technology capabilities from the transformation journey completed in 2021 as core advantage to deliver a phenomenal business performance. This was done by utilising end-to- end operational efficiencies while scaling up new ways of working via lean processes and productivity improvements. The Group concluded the consolidation and upgrade of its core banking system for India and launched retail assets on the new platform including personal loans and credit cards. Special emphasis was laid on enhancement of the Group's overall cloud capabilities and network infrastructure with the help of latest technology stack and automation, while also reinforcing security and stability for customer-centric N Nasdaq Dubai H.E. Mohamed Bin Hadi Al Hussaini rings Nasdaq Dubai's bell to celebrate listing of the first Dirham-denominated treasury bonds issued by the UAE Federal Government applications. The organisation provided a seamless experience to both customers and staff by building a software driven data centre network that enabled self-service provisioning capability. In 2023, the Group aims to work towards further maturity of agile model and being well prepared to pivot and change direction in this fast-paced environment. Greater cloud adoption and bringing in the best of cybersecurity capability will be a key focus area and the Group will endeavour to experiment with new technologies through means of partnership with FinTech firms. Develop a dynamic organisation At an organisational level, Emirates NBD strives to constantly improve efficiency drivers to accelerate growth and truly become the 'Bank of the Future'. A significant increase in STP levels at the time of customer onboarding for (CASA) has been achieved and 90% of Emirates NBD CASA is digitally sourced whereas half the credit cards are sourced via Tablet. Digital channels have been introduced for Business Banking and Personal Loans. The Group accelerated agile learning that resulted in improved maturity of the operating model over 2022 and there has been more than 80% training coverage on various learning models. Emirates NBD remains committed to building a high-capacity organisation and creating a culture that enables Workplace of Future. The Group has promoted a self-learning culture by providing 24/7 access to digital content and 80% of Emirates NBD's total structured learning is through digital content. UAE Nationals were provided with a platform to develop Data and Analytics capability through focused training, education and coaching to build a pipeline of talent for in-demand roles and contribute to the UAE's long-term digital skill building agenda. Various internal mentoring and coaching programmes were launched to provide non- training support to aspiring talent and embed overall leadership capabilities in our employees' mindsets. The Group also successfully launched second cohort of 'Ruwad', - Emirates NBD's elite, flagship graduate programme. Several senior Emiratis completed Oxford University's exclusive professional leadership programme in the UK and a plethora of learning opportunities were also made available through INSEAD and Hult. The Group expanded university sponsorship programme with several reputed universities, thus, financially supporting UAE National employees to complete courses of their interest. Efforts have been made to roll out learning programmes on Consumer Protection and there has also been an increased focus on learning programmes to be launched on ESG to help the Group achieve its commitments towards ESG goals. In addition, the Group aims to continue focusing on gender diversity across the organisation. Emirates NBD has collaborated and partnered with various organisations such as UN Women, Dubai Chamber, UAE Gender Balance Council, Pearl Initiative, etc. to deliver gender balance policies across the Group and thus, building a pathway for women's professional growth and development. Several activities have been launched to facilitate networking and promoting physical as well as mental well-being of women within the organisation. These activities aim at creating the right ethos for women and the Group is well in course of achieving its target of 25% women in Senior Leadership roles by 2027. In 2023, the Group will focus on transforming HR technological landscape and developing a new career architecture model to better suit the need of its employees and enable operational efficiencies. Emirates NBD ANNUAL REPORT 20 20

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