Emirates NBD Earnings Overview H1-2023

... with consistent profitability due to diversified and resilient business model Return on Average Tangible Equity (excluding 2019 NI gain) 11% 16% 20% 18% 19% 20% 17% 10% 13% 17% 30% Total Income CAGR (13-22): 11% Net Profit CAGR (13-22): 15% 17.4 15.2 15.4 14.4 14.7 11.8 10.0 8.3 7.1 7.2 5.1 3.3 23.8 23.2 22.4 14.5 32.5 21.3 13.0 14.2 9.3 12.3 11.5 7.0 6.2 4.8 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 H1-23 ■Total Income (AED Bn) ■Net Profit (AED Bn) H1 Total Income H1 Net Profit * 2019 includes gain on disposal of NI AED 4.4 bn 12

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