Emirates NBD Financial Performance Q1 2020

Strong track record of profitability Consistently profitable due to diversified and resilient business model 9.1% 9.3% 8.8% 10.5% 15.7% 19.7% 18.0% 18.7% 20.3% 24.2% 12.0% Operating Revenue '10-'19 CAGR: 10% Net Profit '10-'19 CAGR: 23% Record year for revenue and profit 6.1 4.7 4.1 4.2 4.0 3.9 4.0 3.2 2.6 2.7 2.8 2.7 2.3 1.9 2.0 1.4 0.9 0.6 0.7 0.7 1.9 0.6 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Q1 2020 ■Operating Revenue (USD Bn) Net Profit (USD Bn) Return on Average Tangible Equity Emirates NBD Profile 7

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