Emirates NBD Earnings Presentation

Improving loans and deposit mix Gross Loans by Type (All figures are in AED bn) -1% 459 463 463 457 456 DenizBank - 65 65 66 66 69 ΕΙ 47 50 52 52 53 Retail - 56 59 61 63 63 Sovereign 152 139 124 114 113 Corporate 139 150 160 163 158 - Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Deposits by Type (All figures are in AED bn) Key Highlights Gross lending ex. Sovereign grew up 12% (AED 36 bn) in FY22 - Retail lending up 12% (AED 7 bn) with strong demand across all products - Corporate lending ex. Sovereign up 14% (AED 19 bn) EI Financing and Receivables up 13% (AED 6 bn) DenizBank's gross loans up 7%, after FX Deposit mix improved in 2022 with an impressive AED 20 bn increase in CASA balance demonstrating our market penetration and strong UAE liquidity CASA represents 60% of total Group deposits DenizBank's deposits up 19% in FY22 Gross Loans by Sector (%) Net Loans by Geography (%) Sovereign 25% +10% 456 469 468 481 503 Agri 1% 82 DenizBank 69 70 73 79 Other 3% 19 Other 10 10 13 16 Manuf. 5% 117 124 118 114 128 Time CASA 254 272 264 272 274 Q4 21 Q1 22 Q2 22 Q3 22 Q4 22 Trans & Services 11% Trade 7% Construction & Hotel 5% FI & Mgmt Cos 8% Real Estate 11% Personal 25% International 25% GCC 2% UAE 73% 22

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