Emirates NBD Investor Presentation

Improving loans and deposit mix Gross Loans by Type* (AED bn) Key Highlights Gross lending up 3% in Q1-23 Retail lending up 6% with strong demand across all products Corporate lending up 1% - DenizBank's gross loans up 6% after FX Deposit mix remained healthy in Q1-23 with an impressive AED 19bn increase in CASA balance demonstrating our market understanding and penetration and strong UAE liquidity - CASA represents 60% of total Group deposits DenizBank's deposits up 27% y-o-y 1% . 463 463 457 470 456 65 66 66 69 73 88 91 94 DenizBank 95 101 Retail 139 124 114 113 116 ■Sovereign ■Corporate 170 182 183 179 180 - Q1-22 Deposits by Type (AED bn) Q2-22 Q3-22 Q4-22 Q1-23 15% Gross Loans by Sector (%) 538 Agri 1% 503 469 468 481 Other 3% 89 82 Manuf. 5% 70 73 79 22 DenizBank 19 10 13 16 Trans & Services 10% 133 Other 117 118 114 128 Trade 7% Time Construction & Hotel 5% FI & Mgmt Cos 9% ■CASA 272 264 272 274 293 Real Estate 10% Q1-22 Q2-22 Q3-22 Q4-22 Q1-23 * EI loans re-segmented under relevant sectors Net Loans by Geography (%) Sovereign 25% Personal 26% International 25% GCC 2% UAE 73% 21

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