Investor Presentaiton

Sustainable Finance Framework Bringing a diverse and robust ESG financing Framework to the market The Framework allows Emirates NBD to issue Green, Social and/or Sustainability debt instruments including Sharia'h compliant financing or investments. Debt instruments issued under the Framework are fully aligned with the four key pillars of the ICMA Green Bond Principles 2021 ("GBP 2021"), Social Bond Principles 2023 ("SBP 2023") & Sustainability Bond Guidelines 2021 ("SBG 2021") as well as the LMA Green & Social Loan Principles ("GLP 2023" & SLP 2023"). ICMA Pillars Description Emirates NBD's Sustainable Finance Framework has the following eligible project categories: Use of Proceeds Green Buildings Energy Efficiency Environmental ◉ Renewable Energy ☐ Clean Transportation ■ Pollution Prevention and Control ◉ Sustainable Water and Wastewater Management Social ◉ Access to Essential Services Affordable Housing ◉ Employment Generation (SME financing) Process for Project Evaluation and Selection Management of Proceeds ■ Emirates NBD's Sustainable Finance Committee will be responsible for governing and implementing the initiatives set out in the Framework The Sustainable Finance Committee is composed of representatives from Group Treasury, Group Sustainability, Risk, Legal, as well as subject matter experts from relevant business units such as Lending The Sustainable Finance Committees is responsible of the allocation of proceeds and the selection and evaluation in accordance with the Sustainable Finance eligibility criteria The Sustainable Finance Instruments proceeds will be managed by Emirates NBD in a portfolio approach Full allocation within 24 months from the time of issuance of each instrument Any proceeds temporarily unallocated will be invested according to the Bank's standard liquidity policy into cash or cash equivalents Reporting ■ Allocation report and an impact report will be published on an annual basis, until full allocation Limited assurance report on the allocation report provided by external auditor or other qualified party, annually until full allocation 33

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