Emirates NBD Investor Presentation H1 2021

Non-funded income Highlights Composition of Non-Funded Income (USD million) • Q2-21 core gross income up 6% y-o-y on higher transaction volumes and increased income from trade finance, brokerage and asset management USD million Q2-21 Q2-20 Better / (Worse) Better / Q1-21 (Worse) • Core gross income declined 28% q-o-q on lower foreign exchange and derivative income from hedging and swaps relating to DenizBank • Investment securities income improved y-o-y and declined q-o-q due to non-recurrence of disposals in Q1-21 Core gross income 495 466 6% 686 (28)% Fees & commission expense (159) (101) (58)% (181) 12% Core income 337 366 (8)% 505 (33)% Property income/(loss) 5 2 135% 2 188% Investment securities & other income 17 7 155% 58 (70)% Total Non-Funded Income 359 375 (4)% 565 (37)% Trend in Core Gross Income (USD million) +6% 686 578 -28% 205 495 466 195 15 387 57 60 25 164 11- 25 56 54-12- 62 29-11- 407 316 350 263 295 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Forex, Rates & Other Brokerage & AM fees Trade finance Fee Income Financial and Operating Performance 17

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