Investor Presentation Q3 2021

ESG Performance - Key Sustainability Developments Key developments Certified with ISO 26000 CSR Label by Dubai Chamber R 2021 DUBAI CHAMBER CSR LABEL Community Outreach Philanthropy • AED We contributed USD 24.5 million to the local community in 2020 Environmental Sustainability • • Working towards a single-use plastic free workplace Continuous paper reduction through increased digitization across departments Green & Social Banking choices • Green Home Loans Paperless accounts (Liv. & E-Savings) • Green Auto Loans • . First bank to offer card made from recycled plastic Volunteering - Exchanger Program • • • 3,200+ volunteering hours | 147 activities | 1450+ community beneficiaries 82 volunteers for Expo 2020 Diversity & Inclusion Social and Financial Inclusion • . 66% Branches are accessible | 20 accessibility elements New Assistive Technology deployed at the Expo 2020 Branch 2100+ employees trained through inclusion workshops 43 People with disabilities placed in full-time employment Responsible Lending & Investment • • First bank from the Gulf region to issue an ESG-linked syndicated loan Emirates NBD Asset Management signed up to the UN Principles of Responsible Investment EmCap successfully closed Islamic Development Bank's first ever USD Sustainability Sukuk Financial Wellness • . Financial Wellness educational programme 275 students | Customer Satisfaction (CSAT) = 9.21 7

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