Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Capital Adequacy • Highlights In Q2-17, Tier 1 ratio improved by 0.5% to 18.3% and CAR increased by 0.5% to 20.7% Increase in Tier 1 capital from retained earning more than offsetting modest increase in risk weighted assets Capital Movements AED Bn Capitalisation Emirates NBD 19 20.5 20.5 21.2 20.2 20.7 17.9 18.3 18.0 18.7 17.8 51.8 53.5 54.4 53.4 55.3 6.6 6.7 6.5 6.4 6.4 45.3 46.8 47.8 47.0 48.9 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 T2 T1 -T1 % CAR % Tier 1 Tier 2 Total Capital as at 31-Dec-2016 Net profits generated +5% 47.8 6.5 54.4 3.9 3.9 253.5 FY 2016 dividend paid (2.2) (2.2) 24.1 260.6 24.1 256.2 5.1 5.5 25.7 263.8 25.7 267.1 25.7 5.0 7.3 8.4 Risk Weighted Assets - Basel II (AED Bn) Tier 1 Issuance/Repayment Tier 2 Issuance/Repayment Amortisation of Tier 2 Interest on T1 securities Other 224.3 231.0 225.4 230.9 233.0 1 (0.3) (0.3) Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 (0.3) (0.1) (0.4) Capital as at 30-Jun-2017 48.9 6.4 55.3 Operational Risk Market Risk Credit Risk

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