Investor Presentaiton

EMIRATES NBD REVIEW OF PERFORMANCE ANNUAL REPORT 2021 secure and uninterrupted services to customers through all its banking channels and be a trusted banking partner to customers, particularly in the SME and agriculture sectors that play a crucial role in the long-term success and sustainable development of the Turkish economy. In addition, the bank continued to support key niche sectors of Turkey including tourism, education, infrastructure, sports, health, municipalities, shipping and energy, despite challenging economic conditions. With a focus on ecosystem banking, DenizBank has intensified efforts to support the entrepreneurial ecosystem and fintechs in Turkey. It established NEOHUB, a new fintech subsidiary that combines the strengths of the Deniz Aquarium Innovation and Acceleration Center, Deniz Ventures Investment Fund and DenizBank's innovative electronic wallet fastPay, to support diverse business models and initiatives that carry growth potential both within and outside of the bank. It also introduced an Entrepreneur Certificate Programme that has attracted significant interest from employees. DenizBank successfully raised USD 1.5 billion of international funding through securitisation and other transactions in 2021. DenizBank secured a USD 410 million syndicated loan with 1-year maturity in Dollar, Euro and Chinese Yuan Tranches, marking the first Turkish bank syndication that includes a Renminbi denominated tranche. The proceeds of the loan is being utilised to finance international trade transactions of the bank's customers, which primarily include tourism, shipping, export-oriented and agriculture businesses. DenizBank signed its first sustainability-linked syndicated loan facility in October 2021 with a total amount of USD 840 million, resulting in a rollover ratio of 110%. The deal is the most widely participated syndication in the Turkish banking industry in the past two years, supported by 49 lenders across 22 countries. Disbursement was completed in November 2021. With this transaction, the bank aims to boost its contribution to national development targets in a socially and environmentally responsible manner. In order to lengthen the maturity of its funding base, the bank successfully secured USD 435 million equivalent financing in February 2021, backed by its Diversified Payment Rights Securitisation Programme. The majority of the proceeds are being used for environmentally friendly and sustainable projects. The transaction was well received, achieving a maturity of up to 7 years with the participation of a pool of investors ranging from supranational institutions to institutional investors and commercial banks from the US, Asia, and Europe. It was recognised as Structured Finance Deal of the Year 2021 by Bonds & Loans Turkey Awards, and Deal of the Year Europe by The Banker. - As part of ongoing sustainability efforts, DenizBank established a Sustainability Committee and Sustainability Management System (SMS) in 2021. Chaired by the Bank's CEO, the Committee will collaborate with a Board of Directors composed of eight members, four of which are bank Board Members. It also focused on the integration and adoption of Emirates NBD's corporate values launched in 2021. The Bank combined its values, followed since establishment with Emirates NBD's Collaboration, Ownership, Drive, and Enterprising (CODE) to develop its İSTE value set. DenizBank will continue to be an important pillar in Emirates NBD's international network, diversifying its assets and income outside the UAE. International Our international locations have continued to display strong business resilience in the second year of the pandemic delivering healthy performance indicators, coupled with tight operational standards and commitment to customer service delivery. Despite the muted economic conditions and second COVID-19 waves in several markets throwing off GDP projections, our international locations did well to meet and in some cases exceed management expectations. Income from five international markets (Egypt, KSA, UK, Singapore and India) grew a healthy 12% over 2020, alongside a 20% growth in operating profits, attributed الإمارات الإسلامي - ΞΙ EMIRATES ISLAMIC largely to the efforts of our teams to sustain business momentum across markets and the steps taken to improve efficiency by managing our costs. International continues on its journey to further improve operational excellence with ongoing digital transformation efforts in progress; whilst also making efforts to manage evolving regulatory and compliance requirements in line with the industry. Further, the international locations are committed to supporting clients with the IBOR transition which was finalised at the end of 2021. All locations are actively including more sustainable practices into their business ethos and are mindful of the role they can play in managing climate change. بنك الإمارات دبي الوطني Emirates NBD تنفيذ tanfeeth Emirates NBD Group participates in Sharjah National Career Exhibition 31 32

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