Building the Bank of The Future

Funding & liquidity remains very healthy Advances to Deposit and Liquidity Coverage Ratio (%) Key Highlights 100 ADR % LCR % 217 95 187 . 210 220 190 90 182 180 85 80 140 • 83 75 80 79 80 76 70 100 Q4-22 Q1-23 Q2-23 Q3-23 Q4-23 Composition of Liabilities and Debt Issued (%) Customer Deposits 78% Emirates NBD 60 years together 1601 LCR of 210% and ADR of 76% demonstrate healthy liquidity Liquid assets* of AED 96 billion cover 13% of total liabilities, 16% of deposits AED 22 bn of term debt issued in 2023 Modest EMTN maturities in 2024 with Club Deal relationship lending the largest component ENBD issued largest ever green bond by regional bank, underlining ESG commitment DenizBank upsizes syndicated loan rollover in Q4 and issues Sustainable Finance Framework Maturity Profile of AED 70.8 bn Term Debt/Sukuk/Syndicated Loans 23.5 0.6 19.3 5.5 Debt/Sukuk 9% 12.9 0.8 3.3 10.5 0.6 Others 8% 6.4 12.1 4.7 Banks 5% 9.8 0.7 4.1 4.0 2024 2025 2026 2027 * Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 22.9 Beyond 2027 ENBD EMTNS ENBD Club Deal DenizBank EMTNS DenizBank Syndicated Loans 23

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