Emirates NBD Investor Presentation

Leader in Digital Banking and Innovation Overview liv. digital bank by Emirates NBD with over 500,000 customers. Product suite expanded with innovative products including: Liv. credit cards which offers customers the flexibility to choose and easily switch between reward programmes along with added lifestyle benefits Liv. Young, the region's first banking app and debit card for kids aged 8- 18, helping build good money habits with features such as saving with goal accounts, tracking spend and earning by completing tasks/ chores. Liv. Bonus multiplier account providing customers with ability to boost saving rates with every additional product enrolled In line with ENBD's commitment to KSA and Vision 2030, we have continuously enhanced digital services in the Kingdom. ENBD mobile app now offers a wider choice of features and services, so have merged the Liv. KSA portfolio into it, offering all KSA customers a holistic and uniform banking experience. Key Digital Developments 90% of all face-to-face card payment transactions now 'contactless' through Mobile wallet Continued to develop its digital platforms with enhancements to the mobile digital account opening process in UAE and roll out of a self-service tablet banking proposition for account opening & credit cards in KSA The mobile app was enhanced with new features for payments and transfers Enhanced tablet banking solution for new credit card sourcing launched Launched DEWA & TECOM IPO portal on Emirates NBD website with real time direct integration with Dubai Financial Market (DFM) Transactions via digital channels Eligible Retail Business customers digitally active Eligible Corporate clients opting for digital platform 2021 2021 2021 96% 84% 98% 85% 91% 91% Q1 2023 Q1 2023 Q1 2023 6

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