Investor Presentaiton

NIMs trending towards top end of guidance Net Interest Margin (%) Quarterly NIM --YTD NIM 3.57 Highlights 2.47 3.09 2.89 2.82 3.10 2.65 2.65 2.59 2.60 2.86 Fed Funds Upper Bound 2.51 2.53 1.5% 2.5% 1.75% 0.25% 0.25% 0.25% 0.50% 2017 2018 2019 2020 Q3 21 Q4 21 Q1 22 1.75% Q2 22 3.25% Q3 22 NIM drivers 9M-22 vs 9M-21 (%) 2.51 3.10 (0.07) (0.15) 0.17 0.64 9M 21 Loan Yield Deposit Cost Emirates NBD Treasury, & Other Income Liquidity Risk Expenses Capital Divisional Key Highlights 9M'22 NIM improved 59 bps y-o-y due to rate rises and improving DenizBank NIMS Q3-22 NIM up 48 bps q-o-q on ENBD's improved loan and deposit mix Loan yields up 94 bps on higher retail balances and rising interest rates as 3m EIBOR increased 85bp in Q2 and 168bp Q3 DenizBank margins stable in Q3 as impact of new regulations designed to encourage lower lending rates begin to take affect NIM drivers Q3-22 vs Q2-22 (%) 3.09 (0.25) (0.17) 3.57 0.94 (0.05) DenizBank 9M 22 Q2 22 Loan Yield Deposit Cost Treasury DenizBank Q3 22 & Others Emirates NBD 16

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