Investor Presentaiton

EMIRATES NBD CONTENTS 5 07 18 19 Chairman's Message Vice Chairman and Managing Director's Message Group CEO's Message Innovative Products and Services Economic Overview Strategy 2022 Review of Performance . . Financial Overview Retail Banking and Wealth Management - Overview - New Product Launches and Campaigns - Liv. digital bank - Brand leadership - Distribution - Digital Innovation - Customer Service ANNUAL REPORT 2021 25 - Personal Banking Priority Banking - Business Banking - Private Banking and Wealth Management • Corporate and Institutional Banking - Corporate Banking - Financial Institutions 25 - Investment Banking - Transaction Banking - Islamic Banking 28 • Global Markets and Treasury 28 • Emirates Islamic ⚫ DenizBank International • Information Technology and Operations - Tanfeeth 38 • Group Human Resources 38 • Group Risk Management • Group Compliance 46 The Board and its Committees Management 47 Financial Highlights Awards and Accolades Emirates NBD Branches and Contacts Emirates NBD Overseas Branches and Representative Offices Emirates NBD Overseas Subsidiaries Other Subsidiaries and Associate Contacts 64 6

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