Building the Bank of The Future

Business loan and deposit growth momentum continues Gross Loans by Type (AED bn) 5% 456 470 479 494 481 69 73 67 67 74 95 101 107 110 114 DenizBank ■Retail 113 116 112 111 81 Sovereign ■Corporate 179 180 193 206 212 Q4-22 Q1-23 Q2-23 Q3-23 Q4-23 Key Highlights . Gross lending up 5% in 2023 on very strong underlying growth - Retail lending up 19% with healthy demand across all products Emirates NBD 60 years together - Corporate lending up 18% on strong origination throughout the region in Manufacturing, Trade, Transport, Communication and Conglomerates, more than offsetting Sovereign repayments - DenizBank's TL gross loans up 63%. Gross loans up 5% after FX Deposit franchise is a proven key strength of ENBD with AED 82 bn growth in 2023 including an impressive AED 30bn increase in CASA - CASA up 10%, limited net migration - CASA represents 60% of total Group deposits (54% excluding Escrow accounts) - DenizBank's TL deposits up 77%. Deposits up 11% after FX 1601 Deposits by Type (AED bn) 16% Gross Loans by Sector (%) Personal 27% Sovereign 17% 556 570 585 538 FI & Mgmt Cos 13% 503 80 86 91 89 DenizBank 82 139 146 170 133 128 ■Time ■ CASA 293 316 336 338 323 Q4-22 Q1-23 Q2-23 Q3-23 Q4-23 Net Loans by Geography (%) UAE 75% Transport & Services 12% Real Estate 9% Trade 7% Manufacturing 6% Construction & Hotels 4% Other 3% Agriculture 1% International 21% GCC 4% 20

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