Emirates NBD Digital Banking Innovation Update

Emirates NBD at a glance Key Highlights · Largest financial institution in Dubai, 4th largest in the GCC . Emirates NBD's International Presence 16 1 Moscow 7 Germany 1 London Leading retail banking franchise with a branch network of (13) Austria 900 branches throughout the MENAT region with operations in 13 countries • Leader in digital banking: largest digital lifestyle bank in the region • 55.8% indirectly owned by the Government of Dubai through ICD Stable Credit Ratings Moody's Fitch CI Short-term Long-term Outlook P-1 A2 Stable F1 A+ Stable A1 A+ Stable 696 Turkey 68 Egypt 7 KSA 1 Bahrain 105UAE 1 Mumbai Beijing 1 1 Singapore 1 Jakarta Emirates NBD Emirates NBD Rep. Offices DenizBank 5

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