Funding & Liquidity Highlights

Highlights Income Liquidity Risk Expenses Capital Divisional 10 ( 9M'22 results -convenience translation to US$ Emirates NBD Emirates NBD DenizBank Excluding DenizBank Income Statement 9M'22 9M'21 All figures are in USD bn Better / (Worse) 9M'22 9M'21 Better / (Worse) 9M'22 9M'21 Better / (Worse) Net interest income 4.2 3.4 23% 2.9 2.4 23% 1.3 1.1 24% Non-funded income 2.0 1.3 52% 1.3 1.0 24% 0.7 0.3 164% Total income 6.2 4.7 31% 4.2 3.4 23% 2.0 1.3 52% Operating expenses (1.7) (1.6) (12)% (1.3) (1.1) (16)% (0.5) (0.5) (1)% Pre-impairment operating profit 4.4 3.2 41% 2.9 2.3 26% 1.6 0.9 78% Impairment allowances (0.9) (1.0) 12% (0.7) (0.7) 0% (0.2) Tax and others (0.4) (0.2) (168)% (168)% (0.1) (0.0) (25)% (0.4) (0.4) 35% (0.1) (221)% Profit after tax & before hyperinflation 3.1 2.0 58% 2.2 1.6 38% 1.0 0.4 134% Hyperinflation adjustment (0.7) - N/M N/M (0.7) - N/M Net profit 2.5 2.0 25% 2.2 1.6 38% 0.3 0.4 (25)% Cost: income ratio NIM 28.2% 33.1% (4.9)% 30.8% 32.6% (1.8)% 22.8% 34.2% (11.4)% 3.10% 2.51% 0.59% 2.53% 2.11% 0.42% 6.04% 4.28% 1.76% Key Highlights Group profit up 25% on strong diversified income growth - ENBD income higher from improving transaction volumes and increased margins DeinzBank income higher from increased lending, wider margins and hedging Lower provisions as 90bp cost of risk for 9M'22 reflects robust operating environment USD 0.3 bn net profit from DenizBank despite USD 0.7 bn hyperinflation adjustment Accelerating investment in international growth and digital Higher NIMS reflect rising interest rates and an improvement in DenizBank margins Strong new lending to retail and corporates helping offset sovereign repayments 26

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