Building the Bank of The Future

Emirates NBD 60 years together 160 Overview liv is Emirates NBD's digital-only bank with over 450K customers. It is focused on fulfilling the unique financial needs of Generation Now, comprising Gen Ys and Gen Zs through innovative offerings and a superior digital experience. Key products: Liv Bonus Multiplier Account - A gamified savings/current account providing up to 3% increment on salary for banking more with Liv Liv Money Ahead - A rewarding Fixed Deposit account providing upfront interest of 4%, with a lock-in period of 120 days Liv World Credit Cards - Allow one- click switching between reward programs, without requiring a change of the card number or card plastic BE READY FOR MORE MONEY liv ahead liv WORLD PLATINUM mastercord DEBIT لا 。 Liv Goal Account - A savings accounts through which customers can set specific goals and set up rules to save for them in a targeted way Liv Young - Enables parents and guardians to open a mobile-based account for their children and wards between the ages of 8 to 17 ● Key Digital Developments Migrated UAE's retail customer base of 1M+to mobile banking superapp ENBD X, which has 150+ services (including 100+ STPs) Launched a digital wealth platform, embedded in ENBD X, enabling customers to invest in >11K global and local equities and ETFs across 21 global and local stock exchanges as well as 230+ mutual funds by top asset managers Enabled instant journeys across accounts, credit cards, personal loans and fixed deposits on tablet banking, reducing back-office processing significantly Upgraded website platform to best-in-class Sitecore CMS, enabling faster performance and improved security Accelerated ATM and CDM journeys by up to 2.6x through journey optimizations Revamped WhatsApp banking application, activating 15 high-use journeys Transactions via digital channels Eligible Retail Business customers digitally active Eligible Corporate clients opting for digital platform 2021 2021 2021 96% 84% 91% 98% 85% 91% H1 2023 H1 2023 H1 2023 7

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