Emirates NBD Digital Banking Innovation Update

Stable Shareholder Base and Diversified Business Model Split of Ownership - Anchored by the Government of Dubai Ownership structure as of 30 September 2022 Key Highlights Others 39% Capital Assets 5% Balanced Asset Composition % by segment as of 30 September 2022 Deniz Bank, 17% GM&T, 22% Islamic Banking 11/10/2022 4:49 PM 10% ' Investment Corporation of Dubai 56% A flagship bank for the Government of Dubai and the UAE Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 12.4% at 1 Nov 2022 Equity Analysts Coverage RBWM, 11% Recommendation All figures in AED Buy Hold Sell 13 Target Price 17.1 CI&B, 41% Price as of 28 October 2022 13.25 EPS as of 30 September 2022 1.38 8

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