Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Summary Profitability Credit Quality Provisions Capital & Liquidity Income Net Interest Margin CI Ratio Outlook Emirates NBD • Net profit of AED 5.0 Bn for Q3-15 YTD improved 27% y-o-y due to growth in net interest income and lower provisions • NPL ratio improved to 7.1% helped by over AED 1 billion of writebacks and recoveries • Cost of risk continues to normalise, falling for 5th consecutive quarter • Provisions of AED 2.8 Bn in Q3-15 YTD, strengthened coverage ratio to 115.3% • Tier 1 ratio remained at 18.0% • AD ratio of 97.2% demonstrates strong bank liquidity during a challenging quarter • Total income rose 2% y-o-y to AED 11.2 Bn helped by an improving asset mix and an efficient funding base • NIMs marginally declined to 2.80% as downward pressure on loan spreads largely offset by growth in low-cost CASA deposits • Cost to Income ratio within management target at 30.1% in Q3-15 • Some signs of a slowdown in the economy due to lower oil prices and a strong dollar, but this is from a relatively high base • The strong balance sheet enables the Bank to meet challenges and to take advantage of any regional growth opportunities 25

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