Investor Presentaiton

Liquidity within the UAE banking system remains healthy Highlights Breakdown of UAE bank credit by economic activity The gross AD ratio for the UAE remained healthy at 95.3% in May 2020 12 110 % y/y AD Ratio (RHS) Bank Loans (LHS) Bank Deposits (LHS) % 10 • Growth in the UAE bank deposits was up 6.1% y-o-y in May. Deposit growth averaged 5.0% in Jan-May 2020 105 8 • Gross loans increased 5.8% y-o-y in May. Bank credit growth averaged 5.2% in Jan-May 2020 6 100 GCC banking market, June 2020 UAE KSA Qatar Kuwait Banking Assets USD Bn Oman 81 236 425 Source: UAE Central Bank, Bloomberg; *ENBD as at 30-June-20 excluding DenizBank 748 4 2 95 0 90 Mar-16 Aug-16 Jan-17 Jun-17 Nov-17 Apr-18 Sep-18 Feb-19 Jul-19 Dec-19 May-20 UAE banking market (USD Bn), June 2020* 862 Gross Loans 105 380 485 Deposits 100 408 508 Assets 153 709 862 ■Emirates NBD Other Banks Economic Environment 21

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