Building the Bank of The Future

Consistently strong returns on equity Return on Average Tangible Equity (excluding 2019 NI gain) 11% 16% 20% 18% 19% 20% Emirates NBD 60 years together 1601 17% 10% 13% 17% 24% Total Income Net Profit CAGR (2013-2023): 14% CAGR (2013-2023): 21% 23.2 23.8 22.4 17.4 15.2 14.4 14.7 15.4 14.5 11.9 L 10.0 8.3 7.1 7.2 5.1 3.3 32.5 13.0 9.3 7.0 43.0 21.5 2013 2014 2015 2016 2017 ■Total Income (AED Bn) 2018 2019 2020 2021 2022 2023 ■Net Profit (AED Bn) * 2019 includes gain on disposal of NI AED 4.4 bn 16

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