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Financial & Operating Performance

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Key strengths Size One of the largest financial institutions by asset size in the GCC (top 3); 2nd largest in the UAE Flagship Flagship bank for the Government of Dubai and the UAE, playing a strategic role in developing the economy Balance Sheet Well-capitalized with a strong balance sheet that is positioned to grow and deliver outstanding value to its stakeholders Geographic Presence Sizeable footprint in the UAE (with the largest branch network); international presence in Asia, Europe and MENA. Emirates NBD Diversified Offering Fully fledged, diversified financial services offering and regional leader in digital banking Emirates NBD Ownership 56% owned by the Government of Dubai (via Investment Corporation of Dubai) Profitable Consistently profitable, despite low commodity price environment and other regional headwinds 9
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