Emirates NBD Earnings Presentation

Emirates NBD at a glance Key Highlights Emirates NBD's International Presence 670 Turkey 1. Largest financial institution in Dubai, 4th largest in the GCC 13 Austria 2. Leading retail banking franchise with a branch network of 879 branches throughout the MENAT region with operations in 13 countries 7 Germany 1 Moscow 3. Leader in digital banking: largest digital lifestyle bank in the region 1 Bahrain 4. 55.8% indirectly owned by the Government of Dubai through ICD 1 London 68 Egypt 8 KSA Stable Credit Ratings 107 UAE 3 India Short-term Long-term Outlook 1 Singapore Moody's P-1 A2 Stable 1 Jakarta 1 Fitch F1 A+ Stable Beijing CI A1 A+ Stable Emirates NBD Emirates NBD Rep. Offices DenizBank 5

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