Emirates NBD PJSC

On July 24, 2025, a letter was addressed to Mr. Hamed Ahmed Ali, the CEO of the Dubai Financial Market, regarding the disclosure of the results from the Emirates NBD Bank Board of Directors meeting held on July 23, 2025. During the meeting, the board approved the minutes from the previous meeting on April 21, 2025, approved the financial results for the three-month period ending June 30, 2025, and discussed normal business activities. The letter was signed by Dr. Ahmed Alkhalfawi, Group Company Secretary of Emirates NBD Bank, and a copy was sent to the Securities & Commodities Authority.

On 18 July 2025, Emirates NBD Bank announced that its Earnings Call Meeting will be held on Thursday, 24 July 2025, at 2:00 PM. The meeting will discuss the financial results for the second quarter ending on 30 June 2025. For more information, interested parties are directed to visit the Emirates NBD Investor Relations website. The communication was sent by Dr. Ahmed Saeed Alkhalfawi, the Group Company Secretary of Emirates NBD, with a copy forwarded to the Securities & Commodities Authority.

The Board of Directors of Emirates NBD Bank (P.J.S.C) is scheduled to meet on Wednesday, 23 July 2025, at 3:30 PM. The agenda for the meeting includes approving the minutes of the previous Board of Directors meeting, approving the financial results for the three-month period ending 30 June 2025, and discussing normal business activities. This information is communicated to Mr. Hamed Ahmed Ali, the Chief Executive Officer of the Dubai Financial Market, with a copy sent to the Securities & Commodities Authority. The letter is signed by Dr. Ahmed Saeed Alkhalfawi, the Group Company Secretary of Emirates NBD Bank.

Emirates NBD Bank has received in-principle approval from the Reserve Bank of India to establish a Wholly Owned Subsidiary (WOS) in India. Currently operating in India as a foreign bank with branches in Mumbai, Gurugram, and Chennai, the proposed WOS will enhance Emirates NBD's presence in the country. Hesham Abdulla Al Qassim, Vice Chairman and Managing Director, emphasized India's strategic importance and the bank's commitment to the UAE-India partnership. Shayne Nelson, Group CEO, expressed enthusiasm for expanding services and client relationships in India, aligning with Emirates NBD’s international growth strategy.

Emirates NBD reported a 56% increase in profit before tax, reaching AED 7.8 billion, driven by strong loan growth and an improved deposit mix, resulting in an 11% year-on-year income increase. The bank's assets exceeded AED 1 trillion, supported by significant loan and deposit growth in a robust regional economy. Deposits rose by 5%, with a record AED 27 billion increase in low-cost Current and Savings Accounts, while loans grew by AED 18 billion in the first quarter of 2025, with more than half from the international network. Emirates Islamic achieved quarterly profitability exceeding AED 1 billion for the first time, underscoring its position as a leading Islamic bank in the UAE. The growing affluent population in the region boosted Assets Under Management to USD 50 billion, highlighting Emirates NBD's focus on Wealth Management and new products. Strategic investments in the Group's regional presence, digital capabilities, and GenAI are contributing to income, mitigating the effects of lower interest rates. Key highlights for Q1 2025 include a 56% increase in profit before tax due to significant loan growth from regional expansion, a low-cost funding base, and strong transaction volumes. Total income rose by 5% to AED 11.9 billion. Loans grew by 3.5% in Q1 2025, with AED 18 billion in lending, and deposits increased by AED 31 billion, including a record AED 27 billion in Current and Savings Accounts. The impaired loan ratio improved to 3.1% due to impressive recoveries, and Emirates Islamic's quarterly profit exceeded AED 1 billion for the first time. Other financial metrics include a net profit of AED 6.2 billion, expenses of AED 3.7 billion, a net interest margin of 3.58%, a cost-to-income ratio of 30.9%, a non-performing loan ratio of 3.1%, and a CET-1 ratio of 14.7%.

Date: 22 April 2025 To: Mr. Hamed Ahmed Ali, Chief Executive Officer, Dubai Financial Market, P.O. Box 9700, Dubai - United Arab Emirates Subject: Disclosure of the results of Emirates NBD Bank (P.J.S.C) Board of Directors Meeting The Board of Directors of Emirates NBD Bank (P.J.S.C) held a meeting on Monday, 21st April 2025, where they discussed the following agenda items: 1. Approval of the previous Board of Directors meeting minutes held on 28 January 2025. 2. Approval of the financial results for the three-month period ended 31 March 2025. 3. Discussion of normal business activities. Best Regards, Dr. Ahmed Alkhalfawi, Group Company Secretary, Emirates NBD Bank (P.J.S.C) Cc: Securities & Commodities Authority

On 16th April 2025, a letter was sent to Mr. Hamed Ahmed Ali, the CEO of the Dubai Financial Market, regarding an upcoming earnings call meeting for Emirates NBD Bank (P.J.S.C). The meeting is scheduled for Tuesday, 22nd April 2025, at 2:00 PM, to discuss the financial results for the first quarter ending 31st March 2025. Further details can be found on the Emirates NBD's Investor Relations website. The letter was signed by Dr. Ahmed Saeed Alkhalfawi, the Group Company Secretary of Emirates NBD Bank, with a copy sent to the Securities & Commodities Authority.

On April 16, 2025, a letter was sent to Mr. Hamed Ahmed Ali, CEO of the Dubai Financial Market, from Emirates NBD Bank (P.J.S.C), informing him of an upcoming Board of Directors meeting. The meeting is scheduled for April 21, 2025, at 3:30 pm. The agenda includes approving the minutes from the previous meeting, approving the financial results for the quarter ending March 31, 2025, and discussing normal business activities. The letter is signed by Dr. Ahmed Saeed Alkhalfawi, Group Company Secretary, with a copy sent to the Securities & Commodities Authority.

Since January 2023, there has been press speculation about Emirates NBD Bank PJSC being involved in potential acquisitions in the region, including in Egypt. The bank regularly explores growth opportunities through both internal resources and external operations like mergers and acquisitions. Emirates NBD confirms that, to date, there have been no material developments necessitating a specific announcement regarding these speculations. Should any significant developments occur, the bank will disclose them in accordance with its regulatory obligations. For further inquiries, contact Patrick Clerkin, Group Head of Investor Relations, or Ibrahim Sowaidan, Group Corporate Affairs.