Emirates NBD Earnings Presentation

Consistently profitable due to diversified and resilient business model Return on Average Tangible Equity (excluding 2019 NI gain) 9% 11% 16% 20% 18% 19% 10.2 2.6 20% 17% 10% 13% 17% Total Income CAGR (12-22): 12% Net Profit CAGR (12-22): 17% 17.4 15.2 15.4 14.4 14.7 11.8 2012 2013 23.8 23.2 22.4 14.5 32.5 13.0 9.3 7.0 10.1 4.4 10.0 8.3 7.1 7.2 5.1 3.3 2014 Total Income (AED Bn) 2015 2016 2017 Net Profit (AED Bn) 2018 2019 2020 ■Gain on Disposal of NI 2021 2022 17

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