Investor Presentaiton

NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 36 OPERATING SEGMENTS (CONTINUED) 31 December 2020 Net interest income and income from Islamic products net of distribution to depositors Net fees, commission and other income Total operating income/(loss) General and administrative expenses Share of profit of associate and loss on its Net impairment loss on financial assets Taxation charge disposal Group profit/(loss) for the year Segment Assets Segment Liabilities and Equity 73 EMIRATES NBD BANK PJSC - GROUP CONSOLIDATED FINANCIAL STATEMENTS - FOR THE YEAR ENDED 31 DECEMBER 2021 74 37 NOTES TO THE GROUP CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 SUBSIDIARIES The direct subsidiaries of the Group are as follows: As at 31 December 2021 Subsidiaries: Group % Share holding Nature of business Country of incorporation 1 Buzz Contact Centre Solutions LLC 100 2 DenizBank Anonim Sirketi 100 Call centre management services Dubai, U.A.E. Banking Turkey 3 Emirates Funds LLC 100 Asset management Dubai, U.A.E. 4 Emirates Funds Managers (Jersey) Limited 100 Asset management Jersey, England 5 Emirates Islamic Bank PJSC 99.9 Islamic banking Dubai, U.A.E. 6 Emirates Money Consumer Finance LLC 100 Consumer finance Dubai, U.A.E. 7 Emirates NBD Asset Management Limited 100 Asset management Dubai, U.A.E. 8 Emirates NBD Capital (KSA) LLC 100 Investment services KSA 9 Emirates NBD Capital PSC 100 Investment services Dubai, U.A.E. 10 Emirates NBD Egypt S.A.E. 100 Banking Egypt Medium term borrowing and 11 Emirates NBD Global Funding Limited 100 money market transactions 12 Emirates NBD Properties LLC 100 Real estate management Cayman Islands Dubai, U.A.E. 13 Emirates NBD Securities LLC 100 Brokerage services Dubai, U.A.E. 14 Emirates NBD Trust Company (Jersey) Limited 100 Trust administration services Jersey, England 15 ENBD London Branch Nominee Company 100 Asset management England 16 Tanfeeth LLC 100 Shared services organisation Dubai, U.A.E. 17 The Emirates National Dubai Real Estate Company LLC 100 Nominee company for mortgage business KSA Names Other entities consolidated by the Group based on an assessment of control are as follows: Nature of business 1 Group tranche of Emblem Finance Company No. 2 Limited SPE for asset securitisation 2 Emirates NBD Global Markets Limited SPE for funding purpose 3 ENBD Asset Finance Company No.1 DAC (under liquidation) 4 ENBD Asset Finance Company No.2 Limited 5 Emirates NBD Tier 1 Limited 6 Emirates NBD 2014 Tier 1 Limited 7 EIB Sukuk Company Limited 8 El Funding Limited SPE for asset securitisation SPE for asset securitisation SPE for funding purpose SPE for funding purpose SPE for asset securitisation SPE for asset securitisation بنك الإمارات دبي الوطني Emirates NBD

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