60 Years Together

Divisional Performance Operating Segment Metrics H1-23 H1-22 %A YOY Income (mn) 7,948 5,670 40% Expense (mn) 1,974 1,595 24% Retail Banking and Profit (mn) 4,227 3,619 Wealth Management 17% . Loans (bn) 107 91 17% Deposits (bn) 282 237 19% Income (mn) 4,097 3,006 36% Expense (mn) 337 311 8% Corporate and Institutional Banking Profit (mn) 4,060 1,878 > 100% Loans (bn) 306 306 (0)% Deposits (bn) 194 177 9% Income (mn) 2,074 453 > 100% Global Markets and Expense (mn) 98 88 11% Treasury Profit (mn) 1,963 291 > 100% Income (mn) 5,419 4,715 15% Expense (mn) 1,657 1,102 50% DenizBank Profit (mn) 1,900 569 > 100% Loans (bn) 67 66 1% Deposits (bn) 80 73 10% Key Highlights Retail Banking and Wealth Management had an excellent first half with highest ever revenue, strongest ever acquisition of loans and a substantial growth in balance sheet Robust business momentum continues with loan origination up 23 % y-o-y and Credit Card acquisitions up 31% y-o-y One-third market share of UAE Credit Card spend as card spends grew 30% y-o-y Lending increased by a record AED 12 bn and Deposits grew by AED 24 bn in first half of 2023 Income grew 40% y-o-y as RBWM delivered its highest ever half yearly revenue and non- funded income 'ENBD X' enhanced mobile banking app rolling out, delivering a new standard in customer service Liv refreshed, offering Gen Now an exciting all-purpose digital-banking companion Corporate and Institutional Banking capitalized its strategic partnership with major Government entities and Corporates by enhancing digitized service platforms Profitability jumped 116% on increased customer hedging, higher Trade Finance, CASA and Investment Banking income and strong recoveries Strong new lending and CASA growth ENBD Securities provides digital onboarding and instant trading access on ADX's Business Online services expanded and launched in India & KSA Global Markets and Treasury delivered an outstanding performance, contributing AED 2 billion in revenue during the first half of 2023 • Income rose fivefold driven by favorable Balance Sheet positioning coupled with a significant increase in banking book investment income Emirates NBD took the lead in offering carbon futures trading ahead of COP28, empowering customers to offset their carbon emissions. The product offering was further enhanced with real-time FX rates now available to customers The trading desk delivered another solid performance despite volatile market conditions Sales revenue increased by 54% with income from structured products growing by 63% DenizBank Profit up 234% to AED 1.9 billion helped by higher income and strong recoveries 26

View entire presentation