Q2-18 Financial Results Highlights slide image

Q2-18 Financial Results Highlights

Emirates NBD Profile Operating Environment Dubai Economic Update (3/3) Highlights Softness in residential real estate prices continues with apartment prices faring better than villas Apartment prices were down -6.2% y-o-y in March, compared with -6.6% y-o-y in March last year. Villa prices fell -10.1% y-o-y in March Higher interest rates, declining rents and increasing supply are likely to remain headwinds in 2018. Dubai residential real estate prices expected to recover modestly in 2019 and rise further in 2020-2021 Dubai residential property prices Financial & Operating Performance | % y/y Strategy Appendix Residential property prices 350 300 250 200 150 100 50 0 Feb-03 Dec-03 Oct-04 Aug-05 Jun-06 Apr-07 Feb-08 Dec-08 Oct-09 Aug-10 Jun-11 Emirates NBD 6 Apr-12 Feb-13 Dec-13 Oct-14 Aug-15 Jun-16 Apr-17 Feb-18 Dubai Abu Dhabi Source: Bank of International Settlements Dubai transaction volumes āš«Apartments Villas 1600 Apartments (LHS) Villas (RHS) 200 63 180 1400 160 O 1200 140 36927 2 -12 -15 -18 1000 120 100 800 80 600 60 400 40 200 20 Jan-15 Source: Phidar Advisory, Emirates NBD Research Jun-15 Nov-15 Apr-16 Sep-16 Feb-17 Jul-17 Dec-17 Jan-14 Jul-14 Jan-15 Jul-15 Jan-16 Jul-16 Source: Phidar Advisory, Emirates NBD Research Jan-17 Jul-17 Jan-18
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