Investor Presentaiton

Leader in Digital Banking and Innovation • . liv. • Liv., the digital bank by Emirates NBD further strengthened its proposition growing its customer base to more than 660,000 customers in UAE & KSA Liv. during 2022 has launched Liv. Young, the region's first banking app and debit card for kids aged 8-18 years. Liv. Young helps kids build good money habits with features such as saving with goal accounts, tracking their spends, and earning by completing tasks/ chores assigned by parents Liv. Prime the subscription-based membership programme, offering customers an enhanced banking and lifestyle experience & Liv. credit cards which offers customers the flexibility to choose and easily switch between reward programmes along with added lifestyle benefits continued to gain traction in the year • Liv. continued to engage customers through various marketing campaigns including the roll out of Liv. Blog to help customers stay up-to-date on money matters Key Digital Developments • 90% of all face-to-face card payment transactions now 'contactless' through Mobile wallet • Continued to develop its digital platforms with enhancements to the mobile digital account opening process in UAE and roll out of a self-service tablet banking proposition for account opening & credit cards in KSA • The mobile app was enhanced with new features for payments and transfers • An enhanced tablet banking solution for new credit card sourcing was launched • Launched DEWA & TECOM IPO portal on Emirates NBD website with real time direct integration with Dubai Financial Market (DFM) Transactions via digital channels 96% 2021 Eligible Retail Business customers digitally active 84% 2021 Eligible Corporate clients opting for digital platform 91% 2021 98% 85% 91% H1 2022 H1 2022 H1 2022 60

View entire presentation