Investor Presentaiton

GROUP CEO'S MESSAGE Emirates NBD had another strong year with several significant milestones and achievements across all fronts, delivering a record performance with a net profit of AED 13 billion, up 40%. With total assets up 8% at AED 742 billion, we begin 2023 with improved profitability and a healthy balance sheet. The Group rolled out several new initiatives in 2022 that further strengthened our market position and accelerated customer acquisition. Emirates NBD and Emirates Islamic have around a 30% market share of UAE Debit and Credit Card spend, processing over 1 million transactions per day. We also launched an Emirati package with bespoke offerings across accounts, cards, loans and investment products, reinforcing the Group's commitment to empowering its UAE National customers with tailored solutions. Adoption of the Group's digital products and services continued to ramp up during the year, with 84% of customers becoming digitally active. Contactless payments also increased rapidly now accounting for about 95% of all point of sale transactions. An enhanced version of the Bank's mobile app 'ENBD X' was launched to deliver a new standard in customer experience. Corporate and Institutional Banking also delivered robust performance and solid growth through 2022 attaining a leadership position in domestic and regional IPO transactions. The Group played a lead role in the delivery of over AED 31 billion IPOS, including DEWA, TECOM, Salik, Empower and Taaleem. This supports growth in Dubai's economy, with an end-to-end IPO subscription website offering real-time on-boarding through a state-of-the-art fully digital platform. Emirates NBD remains committed to developing a dynamic organisation and creating a culture that empowers the workplace of the future. The Group has promoted a self-learning culture by providing 24/7 access to digital content. In addition, UAE Nationals were provided with a platform to develop data and analytics capabilities through focused training, education and coaching, nurturing a pipeline of talent for constantly evolving roles. Additionally, the Group maintained focus on gender diversity, collaborating with organisations such as UN Women, Dubai Chamber, UAE Gender Balance Council and the Pearl Initiative to deliver gender balance policies across the Group. In conclusion, I would like to thank the Chairman, H.H. Sheikh Ahmed Bin Saeed Al Maktoum, Vice Chairman and Managing Director, Hesham Abdulla Al Qassim, the Board of Directors and the senior management team, as well as Emirates NBD's talented and dedicated staff for their contributions to another successful year. We look towards 2023 with optimism and confidence that Emirates NBD will maintain its market leadership position as the strongest bank in the UAE. 11 Emirates NBD Looking to the Future with Confidence SHAYNE NELSON GROUP CEO EMIRATES NBD ANNUAL REPORT 20 12 12

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