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Building the Bank of The Future

Dubai: Positioning for future growth Dubai property prices growth 30 % y/y sales prices GOGERN 25 -10 -15 Jan-15 Jul-15 Jan-16 Jul-16 Dubai Tourists (in millions) 15.92 2018 16.73 2019 Real estate transactions Existing properties ■ Off plan Dubai apartments -Dubai villas 40,000 35,000 30,000 25,000 20,000 15,000 10,000 Jan-17 Jul-17 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 Jul-20 Jan-21 Jul-21 Jan-22 Jul-22 5,000 Jan-23 Jul-23 0 7.28 5.51 2020 Source: UAE Central Bank, Bloomberg, UAE Ministry of Health, Asteco Emirates NBD 60 years together 1601 Q1 2019 Q3 2019 Q1 2020 Q3 2020 Q1 2021 Q3 2021 Q1 2022 Q3 2022 Q1 2023 Q3 2023 Dubai occupancy rates and RevPAR 17.15 100 14.36 80 60 40 20 Occupancy % lhs -RevPAR USD rhs 250 200 150 100 50 0 0 2021 2022 2023 Jan-22 May-22 Sep-22 Jan-23 May-23 Sep-23 13
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