Q2-18 Financial Results Highlights

Emirates NBD Profile Operating Environment Strategy Financial & Operating Performance Appendix Emirates NBD 12 Costs +4% Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED Bn) Revenues +7% Profits (AED Bn) Pre-Provision Operating Profits Net Profits +8% +27% 15.2 14.4 14.7 15.5 4.7 4.9 4.8 4.2 4.4 10.1 10.5 10.6 8.3 9.9 11.9 7.1 7.2 7.4 7.7 7.1 8.0 +13% 8.5 6.3 2.3 2.3 2.5 2.4 2.6 7.7 5.1 5.2 5.4 4.7 2.6 5.1 4.5 5.8 3.8 3.5 5.0 +17% 4.0 +12% 3.3 +29% 2.8 5.5 7.0 7.6 7.7 7.5 1.9 2.1 2.2 2.5 2.3 4.9 5.3 5.2 5.2 1.4 3.6 3.3 3.7 3.9 1.8 2.3 2013 2014 2015 2016 2017 H1- 2013 2014 2015 2016 2017 H1- 18 18 2013 2014 2015 2016 2017 H1- 18 2013 2014 2015 2016 2017 H1-18 Assets and Loans (AED Bn) Assets Loans Deposits and Equity (AED Bn) Deposits +8% +6% 448 470 478 +8% 407 342 363 +2% 271 290 304 316 +11% 238 246 +4% 311 327 335 258 287 +3% 54 54 240 45 48 0% 41 35 Equity 2013 2014 2015 2016 2017 H1-18 2013 2014 2015 2016 2017 H1- 2013 2014 2015 2016 2017 H1-18 2013 2014 2015 2016 2017 H1-18 18 Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles. All P&L numbers are YTD, all Balance Sheet numbers are at end of period Source: Financial Statements

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