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Investor Presentaiton

Financial & Operating Performance Emirates NBD Profile Operating Environment Appendix Strategy Emirates NBD 19 Credit Quality Highlights • • NPL ratio improved to 6.2% during 2017 Impaired loans were steady at AED 20.3 Bn during 2017 helped by AED 1,777 Mn of write backs & recoveries FY 2017 cost of risk at 68 bps continued to moderate as net impairment charge of AED 2,229 Mn improved 15% y-o-y Impaired Loan & Coverage Ratios (%) 120.1 122.5 123.5 124.9 124.5 111.5 99.6 76.1 66.2 - 59.8 57.5 '49.4 43.4 13.9 • Coverage ratio strong at 124.5% 4.3 4.0 3.6 7.9 7.1 6.4 • Total portfolio impairment allowances amount to AED 7.6 Bn or 3.20% of credit RWA 6.3 6.1 6.1 6.2 9.5 10.3 10.3 Impaired Loans and Impairment Allowances (AED Bn) Impaired Loans 14.3 14.1 13.8 14.0 13.7 13.8 13.7 14.0 Q4 11 Q4 12 Q4 13 Q4 14 Q4 15 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Impact of DW % NPL ratio Coverage ratio, excl. DW % Coverage ratio +1% 21.0 20.4 20.1 20.3 20.1 20.2 20.1 20.3 +1% 23.9 24.1 24.3 24.3 24.7 24.9 25.2 25.3 Impairment Allowances 18.0 18.5 18.5 18.7 19.1 19.3 19.3 19.7 0.7 0.6 0.7 0.7 0.7 0.7 0.7 5.9 5.5 0.1 5.6 0.1 5.5 0.1 5.6 0.1 5.6 0.1 5.6 0.1 0.8 5.5 0.1 0.8 0.8 0.8 0.8 0.8 0.8' 0.9 0.9 5.0 4.8 0.1 5.0 4.8 4.7 0.1 0.1- -0.1 0.1 0.1 4.7 -0.1. 4.9 0.0 4.6 -0.0 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Core Corporate Retail Islamic Other Debt Securities
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