Investor Presentaiton

Emirates NBD delivers strong results and maintains solid balance sheet in H1-22 Key Highlights AED Strong momentum continues with H1-22 profit up 11% to AED 5.3bn Key Metrics & Guidance Net Profit AED 5.3bn +11% y-o-y CET 1 15.0% AED AED Improved loan & deposit mix with higher interest rates enabling Group to raise margin guidance Record demand for retail financing and loan growth emerging amongst corporate customers International contributing 41% of diversified income, with DenizBank delivering particularly strong income growth Diversified balance sheet, strong operating profits and solid capital base remain core strengths of the Group NIM 2.86% 2022 guidance / Revised: 2.70-2.80% 3.20-3.30% Cost to Income 28.7% 2022 guidance: Within 33% NPL 6.1% 2022 guidance: mid 6% LCR 154.8% Loan Growth 1% in H1-22 2022 guidance: Low-single digit NPL Cover 133.3% 2022 CoR guidance: 100-125 bps 14

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