Q2-16 Financial Results Highlights

Emirates NBD Profile Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD Emirates NBD delivered a solid set of results in H1-16 amid a challenging environment H1 2016 at a glance H1 2016 VS. revised 2016 guidance Profitability Net profit AED 3.7 Bn +12% y-o-y Net interest margin 2.58% 2.55 2.65% range Cost-to-income ratio 32.3% 33% management target Credit Quality NPL ratio 6.6% Coverage ratio 118.5% Capital & Tier 1 ratio Liquidity 17.8% Capital adequacy 20.5% ratio AD ratio 96.1% 90-100% management target Assets Loan growth (net) 6% ytd mid-to-high single digit 2016 Macro themes Regional Resilience of UAE economy due to non-oil sectors Regional stock market movement largely correlated to rebound in oil price. Global Recovering US economy Rebound in oil price from $30 per barrel in January to around $50 per barrel in June Strong dollar impact on Dubai tourism counterbalanced by growth in visitors from new routes Tighter banking system liquidity due to government deposits outflows; eased via international deposits & debt issuances • Focus continues on SME credit quality • Global stock market volatility dampened investor confidence Slowdown in global growth contributed to weaker business and investor sentiment UK's decision to leave the E.U. 12

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