Q2-18 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Emirates NBD 21 • • Funding and Liquidity Highlights Liquidity Coverage Ratio of 158.7% and AD ratio of 94.4% demonstrates healthy liquidity position Liquid assets* of AED 67.5 Bn as at H1-18 (16.1% of total liabilities) Debt & Sukuk term funding represent 10% of total liabilities In H1-18, AED 6.7 Bn of term-debt issued in 5 currencies with maturities out to 30 years AED 3.2 Bn of expensive Tier 2 debt was called in H1-18 Modest maturities of AED 0.3 Bn for remainder of 2018 enable Group to consider debt issues opportunistically Advances to Deposit (AD) Ratio (%) 118.5 98.1 105.1 102.0 99.5 95.2 95.9 96.1 94.2 92.8 93.4 95.0 94.4 92.5 93.1 18 93.8 94.4 Q4 Q4 Q4 Q4 Q4 Q4 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 09 10 11 12 13 14 15 16 16 16 16 17 17 17 17 18 18 789 829 Target range AD Ratio Composition of Liabilities/Debt Issued (%) Liabilities (AED 418 Bn) Debt/Sukuk (AED 43.2 Bn) Maturity Profile of Debt Issued (AED Bn) 13.2 Maturity Profile of Debt/Sukuk Issued Customer deposits 80% Banks 5% Others 5% Debt/Sukuk 10% Syn bank borrow. 1% Loan secur. 0% 7.0 EMTNS 8% Sukuk 1% 0.3 AED 43.2 Bn 6.2 8.3 7.8 6.2 *Including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 2.2 1.4 0.5 0.5 0.8 1.0 0.2 0.3 0.2 0.4 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2032 2037 2038 2048 Club Deal Public & Private Placement

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