Investor Presentaiton

Net interest income - NIM guidance revised up 50 bps 2.65 Quarterly NIM YTD NIM Net Interest Margin (%) 2.65 2.59 2.60 3.09 Highlights Income Risk Expenses Capital Liquidity Divisional Key Highlights 2.86 • • Q2-22 NIM up 65 bps y-o-y on ENBD's improved loan and deposit mix and wider margins at DenizBank - Loan yields up 51 bps on higher retail balances and rising interest rates DenizBank margins widening from core growth H1-22 NIM improved 41 bps y-o-y as rate rises feeding through and improving DenizBank NIMs 2022 guidance revised up 50bp to 3.20-3.30% on further anticipated rate rises and wider margins from DenizBank 2.46 2.46 2.45 2.42 2.53 2.51 2.44 2020 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 0.28 2.45 NIM drivers H1-22 vs H1-21 (%) 0.03 (0.07) 2.86 0.17 NIM drivers Q2-22 vs Q2-21 (%) 3.09 0.28 (0.02) (0.12) 0.51 2.44 H121 Loan Yield Deposit Cost Treasury DenizBank H1 22 Q2 21 Loan Yield & Other Deposit Cost Treasury DenizBank Q2 22 & Others Emirates NBD Emirates NBD 17

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