Emirates NBD Financial Performance Overview

Stable Shareholder Base and Diversified Business Model Split of ownership - Anchored by the Government of Dubai Ownership structure as at 31 March 2022 Others 39% Capital Assets 5% Balanced asset composition % by segment as at 31 March 2022 CI&B 44% GM&T 20% Investment Corporation of Dubai 56% Key Highlights • • • • • A flagship bank for the Government of Dubai and the UAE Strong and supportive shareholder base from the Government of Dubai via Investment Corporation of Dubai International presence in Asia, Europe and MENAT across 13 countries. DenizBank acquisition further enhanced geographic profile Well diversified and balanced asset composition between corporate, consumer and Islamic banking Foreign ownership limit raised to 40% from 20% in July 2020 with foreign ownership at 12.3% at 21-Apr-2022 Recommendation Equity Analysts Coverage Buy Hold Sell 13 1 In AED DenizBank 16% Target Price 16.9 RBWM Price at 21-Apr-2022 15.0 10% EPS 31-Mar-2022 0.41 Islamic Banking 10% 8

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