Investor Presentaiton

Divisional performance Operating Segment Metrics H1-22 Increase / (Decrease) Income (mn) 4,653 Retail Banking and Wealth. Management Expenses (mn) 1,218 -16% Loans (bn) 58.8 Deposits (bn) 194.8 9% 9% Income (mn) 2,726 -6% Corporate and Institutional Banking Expenses (mn) 274 -2% Loans (bn) 255.9 -3% Deposits (bn) 145.9 -9% • 17% Highlights Income Risk Expenses Capital Liquidity Divisional Key Highlights Retail Banking and Wealth Management . Record half-year for income, loans & cards acquisitions and balance sheet growth Lending grew by AED4.9 bn, whilst CASA grew by a record AED 15.5bn in H1 Launched DEWA & TECOM IPO portal on Emirates NBD website with real time direct integration with DFM Launched Emirates NBD Etihad Guest Credit Card with one of the highest Etihad Guest earning and rewards opportunities; signed a strategic partnership with RSA Corporate and Institutional Banking • • Supporting IPOs, with end-to-end IPO subscription website offering real-time on-boarding through a state-of-the-art fully digital platform Implemented cutting-edge new BusinessONLINE platform Profitability boosted by higher fee income and lower impairment allowances Strong growth in new lending offset substantial contractual repayments Developing strategic partnership with major Government entities and Corporates by digitizing service platforms Emirates Islamic • Net profit up 23% y-o-y to AED 701m on higher income and lower provisions Customer financing at AED 47.4 bn, increased 11% in H1-22 Customer deposits increased 15% in H1-22 with CASA now 76% of total deposits Global Markets and Treasury . Net interest income grew 264% y-o-y in H1-22 due to higher income from balance sheet positioning, hedges and an increase in banking book investment income. Non funded income was 289% higher with a significant performance delivered by Rates, Credit and Foreign exchange Trading. International Treasury functions grew their revenue contribution by 186%. DenizBank • • • Income up 42% (AED 1.4bn) helping offset AED 1.9bn hyperinflation adjustment. Impairment allowances AED 0.6 bn lower on strong writebacks and recoveries Total loans & deposits up 3% & 6% respectively in AED on strong growth Income (mn) 1,370 16% Expenses (mn) 594 -13% Emirates Islamic Loans (bn) 47.4 11% • Deposits (bn) 54.3 15% Income (mn) 420 >100% Expenses (mn) 79 Global Markets and Treasury -1% | Assets (bn) 142.0 21% Liabilities (bn) 32.0 14% • Income (mn) 4,715 42% Expenses (mn) 1.102 3% DenizBank Loans (bn) 62.9 3% 6% Deposits (bn) 73.0 24

View entire presentation