Emirates NBD Investor Presentation

Stable Shareholder Base and Diversified Business Model Split of Ownership - Anchored by the Government of Dubai Ownership structure as of 31 March 2023 Others 39% Capital Assets 5% Investment Corporation of Dubai 56% Dividend grew 150% since 2013 Dividend growth (CAGR) of 10% p.a. 0.60 0.50 0.40 0.40 0.40 0.40 0.40 0.40 0.35 0.25 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 • Key Highlights . A flagship bank for the Government of Dubai and the UAE • Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 13.1% on 8 June 2023 Equity Analysts Coverage Recommendation Target Price Price Price as of 8 June 2023 Q1-2023 EPS All figures in AED Buy Hold Sell 13 1 17.53 14.00 0.93 9

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