Investor Presentaiton

• Leader in Digital Banking and Innovation • • • liv. The lifestyle digital bank for millennials - launched its innovative digital credit card offering a truly customized experience, and personal loans to Liv. customers Reaching a milestone of 10,000 customers in KSA despite launch during Covid-19 in the SAMA Sandbox In partnership with AECB, now enables instant access to credit scores to help customers for a healthier financial future Sure, Smartphone insurance - range of insurance products Expanded range of services with international transfers UAE's fastest growing retail bank; +10,000 customers p/month despite economic slowdown Continues to attract an overwhelming base of millennials as their primary spend account; Strong customer engagement Crossed 390,000 customers - Google Play Store rating 4.4 / 5 • • Key Digital Developments Committed to continue with safe operations during C-19 situation Instant mobile account opening without the need to visit a branch now represent 41% of customer accounts openings for Emirates NBD Introduced new touchpoint with Voice Banking on Amazon Alexa New contactless sales processes rolled out for retail loans, cards Chat Banking service via WhatsApp simplifies banking experience Launched website based deferments and new account opening Digitally active customers enrolled to smart pass - secure soft token Announced the launch of our digital business bank E20. Transactions via digital channels Retail Business customers digitally active Corporate clients opting for digital platform Qoo 94% 75% 74% Emirates NBD Profile 8

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