Investor Presentaiton

Emirates NBD Divisional Performance Wealth Management Retail Banking & Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD Profile Islamic Banking • • . • • Revenues increased 7% y-o-y and declined 2% q-o-q In Q2-17, fee income accounted for 33% of total RBWM revenue Loans grew 2% across a range of products particularly mortgages; and deposits by 7% from end 2016 The bank continues to optimize its distribution network with 580 ATMs and 94 branches as at 30-Jun-17 RBWM enhanced its digital banking leadership by launching a new online platform featuring a rich user interface, intuitive widgets and FaceBanking (video banking facility). In May 2017, the bank launched SkyShopper, an e-commerce platform enabling shopping across multiple stores from the same portal El well positioned after the 2016 business review as reflected by the 182% increase in half-year net profit Revenues declined 3% q-o-q and declined 6% y-o-y Financing receivables declined 3% from end 2016 due to a slowdown in new business as El tightened underwriting standards Customer accounts increased 2% from end 2016 as El's focused approach to improve liabilities mix and cost of funding led to a shift from expensive wakala deposits to CASA balances. As at end Jun-17, CASA represented 69% of El's customer deposits As at 30-Jun-17, El had 63 branches and an ATM & CDM network of 206 Balance Sheet Trends Revenue Trends AED Bn +7% AED Mn +2% -2% 152.1 141.6 1,670 1,629 1,522 625 539 583 38.7 39.4 940 1,045 1,090 Balance Sheet Trends AED Bn Q4-16 Q2-17 Q2 16 Q1 17 Q2 17 Loans Deposits NFI NII Revenue Trends +2% AED Mn -3% -3% 613 599 579 41.1 41.8 171 179 182 36.5 35.5 442 420 397 Q4-16 Q2-17 Q2 16 Q1 17 Q2 17 Financing receivables NFI NII Customer accounts 23

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