Investor Presentaiton

Appendix Emirates NBD Profile Strategy Financial & Operating Performance Operating Environment CRM Started multichannel CRM foundation and Mobile Banking vision 2013 Emirates NBD is the regional leader in digital innovation 2012 New Dynamic IVR 2015 Introduced Direct Remit to Pakistan Remit to Pak in just 60 secs Emirates NBD Introduced ENBD Pay NFC based mobile contactless payment service 10 Introduced 1st Generation of Mobile Banking App IPO Introduced Direct Remit to Philippines Remit to Phil in just 60 secs Introduced IPO Subscription through ATM, Online and Mobile 04 Inaugurated FutureLab Pepper Robot mePay cardless cash withdrawal Introduced The new ITM The First video based interactive teller machine in MENA Introduced mePay Introduced P2P money Introduced Remote Cheque Deposit for the first time outside of US and Canada Investment Portfolio Widgets on Mobile Banking transfer service for Emirates NBD Customers Introduced Get Queuing Ticket For the first time in the region Introduced Direct Remit 2 Mobile Cash Remit cash to any Indian Mobile number 2017 liv. Digital Bank for Millennials 4.5/5 (Avg. Rating) 2014 IVR for SME WU Introduced Western Union Transfers through mobile banking for the first time in the region 5 Introduced Direct Remit to India Remit to India in just 60 secs Introduced Direct Remit 2 Mobile Remit to India Mobile number in just 60 secs Introduced Shake n' Save The First Mobile Savings product in the region Introduced Social Banking Twitter inquiry service for the first time in MENA sm Introduced Direct Remit to Egypt Remit to Egypt in just 60 secs CRM 2016 Introduced Direct Remit to Sri Lanka Remit to SL in just 60 secs CRM Cockpit app smart, paperless and instant banking Introduced SkyShopper FaceBanking 6 th best app worldwide (as ranked by Forrester) EUROMONEY AWARDS FOR EXCELLENCE 2017 Best Digital Bank in the Middle East Introduced InstaLoan The first instant paperless loan disbursal in MENA Introduced Apple Pay Samsung Pay ICCS Collect digital warehousing and processing of cheques

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