Investor Presentaiton

Funding & Liquidity Advances to Deposit and Liquidity Coverage Ratio (%) 180 170 177.6 157.2 ADR % LCR % 100 160 150 157.4 154.8 152.2 96 140 130 92 120 94.0 92.5 88 90.7 90.8 110 87.2 100 84 Q3 21 Q4 21 Q1 22 Q2 22 Q3 22 Composition of Liabilities and Debt Issued (%) Customer Deposits 76% Banks 6% Highlights Income Liquidity Risk Expenses Capital Divisional 10 Key Highlights LCR of 152.2% and ADR of 87.2% demonstrate healthy liquidity Liquid assets* of AED 65 billion cover 10% of total liabilities, 14% of deposits AED 4.6 bn of term debt issued in 9M'22 Emirates NBD successfully issued a US$ 500m (AED 1.8 bn) 5-year benchmark bond in October despite challenging market conditions AED 4.8 bn maturities for remainder of 2022 covered through excess issuance in 2020 and 2021 Maturity Profile of Debt/ Sukuk Issued AED 58.9 bn 18.0 0.0 10.9 0.4 9.6 Others 8% 8.0 0.4 7.6 17.9 1.0 6.4 0.0 4.8 0.5, 9.2 7.0 7.6 Debt/Sukuk 4.3 4.1 9% 2022 2023 2024 2025 2026 Beyond 2026 DenizBank Club Deal Public & Private Placement * *Includes cash and deposits with Central Banks, excludes interbank balances and liquid investment securities 21

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