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Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment 2016 & H1 2017 Selected Awards M.E EXCELLENCE AWARDS The Banker Top 500 Banking Brands Emirates NBD emeafinance THE ASIAN BANKERĀ® STRATEGIC BUSINESS INTELLIGENCE FOR THE FINANCIAL SERVICES COMMUNITY 'Smart Financial Services Excellence Award' 'Top banking brand in the UAE' 'Best equity house in the Middle East' Best Retail Bank in the Middle East', 'Best Retail Bank in UAE' and 'Auto Loan Product of the Year in Asia Pacific' SERVICE OLYMPIAN AWARDS 'Most Improved Website' and 'Best Social Media Reach' Emirates Islamic - The Banker GLOBAL FINANCIAL INTELLIGENCE SINCE 1926 MENA FUND MANAGER PERFORMANCE AWARDS 'Bank of the Year - UAE 2016' 'Sector Fund of the Year' Efma Emirates NBD's Fitness Account recognised for innovation in digital banking Banker MIDDLE EAST PRODUCT AWARDS 'Best Retail Customer Service' and 'Best Online Banking Services' EUROMONEY AWARDS FOR EXCELLENCE 2017 'Best Digital Bank in the Middle East', 'Best Bank in the UAE' and 'Best Bank in the Middle East' SMART CARD & PAYMENTS Awards MIDDLE EAST Gulf Customer Experience Awards 'Best Prepaid Program - Emirates Islamic' 'best Customer Experience Team' 28
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