Emirates NBD Investor Presentation

Capital ratios remain solid Capital (AED bn) 5.6 81.4 (0.1) 76.6 (0.7) 5.7 96.2 • 9.1 CET1 31-Dec-22 Net Earnings Interest on AT1 ECL CET1 add-back 31-Mar-23 T1 T2 Capital 31-Mar-23 Risk Weighted Assets (AED bn) • • Key Highlights CET-1 ratio improved by 0.4% to 15.8% during Q1-23 as AED 5.6 bn of net earnings more than offset 3% increase in RWAs Capital ratios well above 11% / 12.5% / 14.5% CBUAE min. requirement CET-1 at 15.3% excluding ECL regulatory add-back IAS 29 hyperinflation adjustment is capital neutral Capital Ratios (%) 12% 18.5 18.7 18.1 18.0 18.3 1.1 1.1 1.1 515 1.1 1.1 499 479 490 1.9 1.8 458 ■T2% 2.0 1.9 1.8 117 122 132 139 113 31 31 33 33 ■ AT1% 31 11 11 11 12 10 304 320 326 323 331 Q1-22 Credit Risk Q2-22 Q3-22 Q4-22 Q1-23 Market Risk ■Operational Risk DenizBank CET1% 15.0 15.0 15.5 15.4 15.8 Q1-22 Q2-22 Q3-22 Q4-22 Q1-23 25

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