Emirates NBD Earnings Overview H1-2023

Leader in Digital Banking and Innovation Overview liv is Emirates NBD's digital bank with over 450,000 customers. It has been refreshed with a new product portfolio and value proposition, focused on enabling the Gen Now to "Liv Ahead". Key products: О Liv Bonus Multiplier Account - A gamified savings/current account providing up to 3% increment on salary for banking more with Liv Liv Money Ahead - A rewarding Fixed Deposit account providing upfront interest of 4%, with a lock-in period of 120 days during the campaign 。 Liv World Credit Cards - Allow one- click switching between reward programs, without requiring a change of the card number or card plastic BE READY FOR MORE MONEY liv ahead liv WORLD PLATINUM DEBIT mastercord لا Liv Goal Account - A savings accounts through which customers can set specific goals and set up rules to save for them in a targeted way Liv Young - Enables parents and guardians to open a mobile-based account for their children and wards between the ages of 8 to 17 • Key Digital Developments Enhanced everyday banking app ENBD X launched with 150+ services, including 100+ STPS Launched a digital wealth platform, embedded in ENBD X, enabling customers to trade >11K global and local equities and ETF across 21 global and local stock exchanges Enabled instant journeys across accounts, credit cards, and personal loans on tablet banking, reducing back-office processing significantly Upgraded website platform to best-in-class Sitecore CMS, enabling faster performance and improved security Accelerated ATM cash withdrawal by 2.6x through journey optimizations Revamped WhatsApp banking application, activating 14 high-use journeys Transactions via digital channels Eligible Retail Business customers digitally active Eligible Corporate clients opting for digital platform 2021 2021 2021 96% 84% 91% 98% 85% 91% H1 2023 H1 2023 H1 2023 7

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