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Investor Presentaiton

Emirates NBD at a glance Emirates NBD's International Presence Market share in the UAE* ➤ Assets 18%; Loans 23%; Deposits 20% ➤ Largest financial institution in Dubai, 4th largest in the GCC ➤ Leading retail banking franchise with a branch network of 900 branches throughout the MENAT region with operations in 13 countries ➤ Leader in digital banking: largest digital lifestyle bank in the region ➤ 55.8% indirectly owned by the Government of Dubai through ICD ➤ Stable credit ratings Rated A3 / A+ by Moody's / Fitch London 8 Germany 17 Moscow 1 Austria Turkey 686 68 Egypt *Emirates NBD as at 31-Dec-21 excluding DenizBank Bahrain 7 KSA 110 Mumbai UAE 1 Emirates NBD Emirates NBD Rep. Offices DenizBank Singapore 1 1 Jakarta Beijing 1 5
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