Emirates NBD Q1 2023 Financial Highlights

... with consistent profitability due to diversified and resilient business model Return on Average Tangible Equity (excluding 2019 NI gain) 11% 16% 20% 18% 19% 20% 17% 10% 13% 17% 30% Total Income CAGR (13-22): 11% Net Profit CAGR (13-22): 15% 23.8 23.2 22.4 17.4 15.2 15.4 14.4 14.7 14.5 11.8 3.3 2013 10.0 8.3 7.1 7.2 5.1 2014 * 2019 includes gain on disposal of NI AED 4.4 bn 2015 2016 2017 2018 2019 ■Total Income (AED Bn) ■Net Profit (AED Bn) 32.5 13.0 9.3 7.0 6.2 6.4 10.5 6.0 2.3 2.7 2020 2021 2022 Q1-23 12

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