Emirates NBD Economic Environment and Business Outlook

Emirates NBD at a glance Key Highlights 1. Largest financial institution in Dubai, one of the largest and most profitable in GCC 2. Leading retail banking franchise with a branch network of 855 branches throughout the MENAT region with operations in 13 countries 3. Leader in digital banking: largest digital lifestyle bank in the region Emirates NBD's International Presence 650 Turkey 11 Austria 3 Germany 1 Moscow 1 Bahrain 4. 55.8% indirectly owned by the Government of Dubai through ICD 1 London 68 Egypt 9 KSA Stable Credit Ratings 107 UAE 3 India Short-term Long-term Outlook 1 Singapore Moody's P-1 A2 Stable 1 Jakarta 1 Fitch F1 A+ Stable Beijing CI A1 A+ Stable Emirates NBD Emirates NBD Rep. Offices DenizBank 5

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