Investor Presentaiton

REVIEW OF PERFORMANCE Loan Syndications continued to be the key contributor to the unit's revenues. In 2022, it registered yet another outstanding performance in terms of transaction value and volume on both primary and secondary markets as it capitalised on opportunities provided by high levels of regional liquidity. Among the highlights of 2022, the unit announced a strategic alliance with BNY Mellon aimed at accelerating the growth of the UAE's capital markets. The collaboration unites BNY Mellon's global footprint with Emirates NBD's regional expertise to provide clients, across the UAE and globally, access to world-leading capital markets infrastructure and technology. During 2022, the launch of Emirates NBD Securities' dedicated end-to-end IPO subscription website and digital onboarding platform for Emirates NBD Securities has significantly enhanced accessibility to regional capital markets and improved the customer investment journey. The end-to-end digital process allows Emirates NBD customers to instantly acquire a DFM NIN and Emirates NBD Securities brokerage account, enabling them to participate in the IPOS and trade on the UAE exchanges. Transaction Banking Transaction Banking's exceptional growth in 2022 was bolstered by its strong and increasingly innovative digital solutions covering Trade Finance, Supply Chain Finance and Cash Management. The unit offers market leading digital banking suite that covers Virtual Accounts, API banking and Dynamic Discounting, along with the newly launched 'API Souq' and merchant acquiring through Emirates NBD Pay. As part of C&IB's commitment to continuously improve its seamless client experience and solutions, Transaction Banking launched "Emirates NBD API Souq" in 2022. The interface represents the region's most comprehensive financial API developer portal on the market, providing FinTechs, developers and corporate clients with a holistic ecosystem to rapidly develop innovative financial solutions. The launch of Emirates NBD Pay further adds to C&IB's all-inclusive suite of innovative solutions by enabling businesses to enhance their payment acceptance capabilities. Emirates NBD Pay enables clients to accept card payments across multiple channels including POS machines, payment gateway, Pay by Link, unified commerce, soft POS along with unattended kiosks. Islamic Banking Emirates NBD Islamic continued to support all areas of the business in the UAE and KSA, developing best-in-class Islamic products and originating and executing Shari'ah compliant transactions. In 2022, Emirates NBD Islamic and the Investment Banking team worked closely on multiple Sukuks and Islamic syndicated financing transactions across the region. During the year, Emirates NBD ISLAMIC ensured full compliance with Shari'ah Governance regulations issued by the Central Bank of the UAE (CBUAE). Emirates NBD 31 Looking to the Future with Confidence Emirates NBD marks UAE Flag Day ANNUAL REPORT 20 32 32

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