Investor Presentaiton

Leader in Digital Banking and Innovation liv. Liv. is now over 580,000 customer strong in UAE & KSA, making it the largest digital lifestyle bank in the region. • Liv. has expanded its product offering to add 2 products: ⚫ Liv. USD account: Keeping investors in mind, Liv. USD account allows customers to save in USD with attractive interest rates and transfer funds globally to their investment platforms for free. • Liv. Cash: One-click overdraft facility for customers to meet their short-term needs. • Liv. has also 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 first lifestyle-banking subscription plan in the region) and Liv. Sure (General Insurance products) continue to be strong revenue generators for Liv. Key Digital Developments • 90% of all face-to-face card payment transactions now 'contactless' through Mobile wallet . • . • EXPO 2020 Dubai branch opened with a Future Banking space showcasing the Group's pioneering vision for the future of global banking Emirates NBD Voice Banking was extended to Amazon Alexa devices. The service was upgraded with the addition of more features and is available in both English & Arabic. • Launched Instant Quick Account Opening for UAE National Individuals and SMES The Emirates NBD Expo 2020 Prepaid Card was launched, a digital-first offering available to resident customers and visitors via a dedicated mobile app, Joyn Transactions via digital channels Eligible Retail Business customers digitally active Eligible Corporate clients opting for digital platform 96% 2020 84% 2020 90% 2020 98% 85% 91% 2021 2021 2021 60

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