Emirates NBD Investor Presentation

Executive Summary Q1 23 Results Key Highlights 8 AED Record quarterly profit of AED 6 bn on higher income & strong recoveries 1600 Record AED 10.5 bn quarterly income on improved loan & deposit mix coupled with higher interest rates AED Deposits grew 7% by AED 35 bn, including AED 19 bn CASA growth AED Recharged international and digital strategy to ($) drive future growth Key Metrics and Guidance Profit Income NIM AED 6 bn AED 10.5 bn 4.05% +119% Record retail financing with over AED 8 bn disbursed and over 144,000 credit cards issued Cost to Income 25.3% Guidance Solid balance sheet with improvement in capital, liquidity and credit quality and strong profit remain core strengths of the Group ≤ 33% NPL Cover +64% Guidance 3.8-4.0% LCR CET 1 187% 15.8% 152% NPL ratio 5.6% Guidance Revised to -6% Cost of Risk 41 bp Guidance Revised to ~50-70 bp Loan Growth 3% Guidance mid-single digit 17

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