Investor Presentation

ESG Journey Emirates NBD's ESG commitment over the years have enhanced, covering larger and wider aspects of ESG principles. Our journey has been fruitful, and we expect further development in the upcoming years given the plan to standardize the ESG practices and contributions. As part of accelerating our ESG development, Emirates NBD appointed HSBC and ING to assist in developing an ESG sustainability framework ☐ Green Auto Loans Digital Banking: AED 1 Billion Digitisation Programme transformation Instant Account Opening on Mobile E-Savings Account The Scholar Plus Loan LetsLink Women's Club ◉ Emirates NBD Capital issued 24 ESG bond including: First ever USD corporate green Sukuk First-ever COVID-19 Sustainability Sukuk $1.75 billion ESG-linked syndicated loan Introduced Bio Cards Masdar Green REIT - investing in sustainable real estate assets Structuring & Managing the first sustainable REIT Amounting to AED 949 million 'See Her Empowered' (SHE) programme ■ ◉ ■ Published Sustainable Finance Framework Named the Principal Banking Partner at COP 28 Recognised as Best Bank for ESG in the UAE at the Euromoney Excellence Awards 2023 Raising US$ 3.5 billion through 15 Green Bond issues Last 3 years 88.1 Mn Pre 2019 2019 2020 2021 2022 2023 MA 89 Mn 90.5 Mn 64.6 Mn 123.1 Mn Liv. Digital banking launched in 2017 E-Cheque: mobile cheque deposit in 2015 Exchanger Programme Est. 2015 ■ First sustainability sukuk: issued by EmCap with Islamic Development Bank Launch of the E20. Launch of BusinessONLINE Electing first female director Appointing Group Head of ESG Female workforce grown by 28% in middle management rules Paper savings of roughly 3.3 million DenizBank ranked highest market share 38% in agricultural lending DenizBank has provided a project financing support of USD 1.1 billion for renewable energy projects and sustainability to date 31

View entire presentation