Book size: 1250; Registration: Reg S Only; Comments: EUR500m 5yr Green, cpn 3.236% at 100, yld 3.236%. Spread: MS+77. OBL 2.2 10/10/30 #192 + 90.6bps | Px: 99.420 | HR: 104%. LEI: 54930029BCN8HF3B1286. Deal Stats: By Type: Fund Managers 72%, Banks & PBs 23%, OI/PF/Ins 5%. By Region: Europe 39%, UK 29%, Asia 15%, MENA 11%, US offshore 6%;

Green Bonds Reoffer: MS+77bp / 100 / 3.236% Benchmark: OBL 2.2 10-Oct-30 #192 @ 99.42 / B+90.6bp / HR 104% Final Books in excess of €1.25bn (excl. JLM interest) Launched: €500mn @ MS+77bp Book Update: Books above €1.25bn (excl. JLM) IPTs: MS+100/105bp Issuer: Emirates NBD Bank PJSC (“ENBD”) Issuer LEI: 54930029BCN8HF3B1286 Issuer Ratings: A1/A+ (Moody's/Fitch) Expected Issue Ratings: A1/A+ (Moody's/Fitch) Format: Reg S, Category 2, Registered (issued under ENBD’s USD 20bn Euro Medium Term Note Programme) Ranking: Senior Unsecured Issue Size: €500mn Tenor: 5-year Pricing Date: 10-Feb-26 Settlement Date: 13-Feb-26 (T+3) Maturity Date: 13-Feb-31 Coupon: 3.236%, Fixed rate, Annual Day Count Fraction: Actual/Actual (ICMA) Specified Denominations: €100,000 and integral multiples of €1,000, in excess thereof Use of Proceeds: An amount equal to the net proceeds of the issuance is intended to finance or refinance a portfolio of eligible Green loans, Sharia’h-compliant financings, or investments, as outlined in the Use of Proceeds section under Green Eligible Categories of ENBD’s Sustainable Finance Framework 2025. Second Party Opinion Provider: ISS Corporate Solutions, Inc. Sustainable Finance Framework and the Second Party Opinion: The Sustainable Finance Framework and the Second Party Opinion relating thereto are accessible through the Issuer's website at: https://www.emiratesnbd.com/en/about-emiratesnbd/sustainability/sustainable-finance Investor Presentation: www.netroadshow.com/nrs/home/#!/?show=da87e326 Governing Law: English law Listing: Euronext Dublin and Nasdaq Dubai Clearing systems: Euroclear and Clearstream, Luxembourg ISIN / Common Code: XS3296967667 / 329696766 Stabilisation: FCA / ICMA Billing & Delivery: BNP PARIBAS Joint Lead Managers & Joint Bookrunners: Barclays, BNP PARIBAS, Crédit Agricole CIB, Emirates NBD Capital, HSBC and ING Timing: TOE: 15:43 UKT / 16:43 CET | FTT: 11-Feb-26 at 08:00 UKT / 09:00 CET

An amount equal to the net proceeds of the issuance is intended to finance or refinance a portfolio of eligible Green loans, Sharia’h-compliant financings, or investments, as outlined in the Use of Proceeds section under Green Eligible Categories of ENBD’s Sustainable Finance Framework 2025.