Funding & Liquidity Highlights

Divisional Performance Highlights Income Liquidity Risk Expenses Capital Divisional Key Highlights 22% Retail Banking and Wealth Management 19% 23% 12% 11% Lending increased by AED 6.5 bn, whilst CASA grew by a record AED 20 bn in first nine months of 2022 Launched the Emirates NBD Etihad Guest Credit Card offering one of the highest Etihad Guest earning and reward opportunities in the market as well as a 5-year strategic partnership with RSA Middle East covering general insurance products Successfully launched a series of UAE Strategic Investment Funds supporting investments into IPOs in UAE Extended tablet banking to credit cards allowing customers to apply for bundled products, and get instant credit decisioning Launched DEWA, TECOM and Salik IPO portal on the Emirates NBD website with real time direct integration with DFM for new investors Corporate and Institutional Banking Launched state-of-the-art fully digital platform to manage end-to-end IPO subscription website offering real- time on-boarding Implemented cutting-edge new platform for business ONLINE Net Profit is 1% higher on lower impairment allowances and higher fee income as increased equity capital market activity offset lower debt capital market volumes Strong growth in new lending offset substantial contractual repayments Emirates Islamic Net profit up 31% y-o-y to AED 1,054m on higher income and lower provisions Customer financing at AED 47.8bn, increased 12% from 2021, and customer deposits increased 16% in Q3- 22 with CASA now 77% of total deposits Global Markets and Treasury . Income grew 136% y-o-y in 9M'22 due to higher net interest income from balance sheet positioning, hedges and an increase in banking book investment income Non funded income 69% higher on strong Rates, Credit and FX Trading performance International Treasury functions grew revenue by 75% y-o-y Robust client FX flows with revenue increasing by 70% during 9M'22 DenizBank Income up by AED 2.5 billion (52%) and Impairment allowances AED 0.5 billion lower on strong writebacks and recoveries helping offset AED 2.4 billion hyperinflation adjustment Operating Segment Metrics 9M'22 Increase/ (Decrease) Income (mn) 7,312 Expense (mn) 1,923 Retail Banking and Wealth Management Profit (mn) 4,700 Loans (bn) 60 Deposits (bn) 199 Income (mn) 4,097 (5)% Expense (mn) 419 1% Corporate and Institutional Banking Profit (mn) 2,396 1% Loans (bn) 248 (6)% Deposits (bn) 148 (8)% Income (mn) 2,185 Expense (mn) 987 Emirates Islamic Profit (mn) 1,054 Loans (bn) 48 Deposits (bn) 55 Income (mn) 973 22% 22% 31% 12% 16% • >100% Global Markets and Treasury Expense (mn) 118 1% >100% Profit (mn) 795 Income (mn) 7,424 52% Expense (mn) 1,702 1% DenizBank Profit (mn) 1,139 (25)% Loans (bn) 63 3% Deposits (bn) 79 15% 23

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