Q2-18 Financial Results Highlights

Emirates NBD Profile Operating Environment Emirates NBD 22 Loan and Deposit Trends Highlights Gross loans grew 4% in H1-18 with growth across all sectors Corporate lending grew 3% since year- end due to growth in the services and trade sectors Consumer lending grew 8% since year- end with growth in mortgages and term loans Islamic financing grew 5% since year- end due to growth in manufacturing, trade, Fl and retail sectors Deposits grew 3% in H1-18 with an increase In both CASA and fixed deposits CASA deposits represent 54% of total deposits, down 1% since the beginning of the year Trend in Gross Loans by Type (AED Bn) +4% 337 343 329 329 329 320 310 314 315 303 225 226 227 233 242 242 243 249 252 221 30 31 33 35 35 35 34 35 36 37 51 54 54 53 52 52 53 51 53 54 0 -0 0 -0 -0 0 -0 0. -0 0 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Q1 18 Q2 18 Islamic* Treasury/Other Q1 16 Q2 16 Corporate Consumer Trend in Deposits by Type (AED Bn) 312 311 319 320 322 291 ២៩ 298 7 7 7 +3% སྐྱི་ 327 332 335 137 113 122 133 135 133 131 132 141 146 Appendix Strategy Financial & Operating Performance * Gross Islamic Financing Net of Deferred Income 172 169 172 169 179 181 183 178 188 182 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Q1 18 Q2 18 Other Time CASA

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