Building the Bank of The Future

Emirates NBD Sustainability Strategy Emirates NBD commits to both regional and international sustainability development goals which enhances the overall agenda for sustainable business strategy and management approach. Sustainability Approach ▪ Emirates NBD's sustainability strategy takes direction from the United Nations SDGs, the UAE's Vision 2030, and the United Nations Environmental Programme Dubai Declaration for Sustainable Finance ■ We began formally reporting on our ESG efforts in 2016 with the publication of our first Sustainability Report. ▪ Emirates NBD is committed to UAE's Net Zero 2050 target. Sustainable Finance & Responsible Banking ▪ Emirates NBD exposure to 'hard to abate' sectors remains very minimal. Emirates NBD Loan Book Sovereign 25% * Personal Real Estate Services Others 25% 11% 11% 28% Sustainability Governance Group Executive Committee [Group Head of ESG member] Board of Directors Board Nomination and Risk Committee – ESG ESG integration across Emirates NBD CIB Risk Strategy ▪ Emirates NBD also caters to the local customer base by offering Sharia'h compliant financing solutions. ▪ We have committed to playing an important role in growing the Micro, Small and Medium Enterprises (MSME) economy in the UAE. RBWM Compliance Corporate Affairs GM&T Legal Internal Audit Emirates NBD is a regional leader in arranging ESG issuances across conventional and Sukuk format. Subsidiaries Finance Human Resources 29 *Gross Loan by sector - FY2022 annual report

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