Q2-16 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Capital Adequacy Highlights ⚫ In Q2-16, Tier 1 ratio and CAR increased by 0.2% to 17.8% and 20.5% respectively Increase in Tier 1 capital from retained earnings more than offset modest increase in risk weighted assets Capitalisation Emirates NBD 19 21.0 20.9 20.7 20.3 20.5 18.0 18.0- 18.0 17.6 17.8 47.5 49.1 50.9 50.2 51.8 6.8 6.8 6.7 6.6 6.7 40.8 42.3 44.2 43.6 45.2 Q2 15 Q3 15 T2 T1 Q4 15 -T1 % Q1 16 Q2 16 CAR % Capital Movements AED Bn Capital as at 31-Dec-2015 Risk Weighted Assets - Basel II (AED Bn) Tier 1 Tier 2 44.2 6.7 Total 50.9 +12% Net profits generated 3.7 3.7 226.7 FY 2015 dividend paid (2.2) (2.2) 21.3 235.3 21.3 245.5 247.7 253.5 3.9 4.5 24.1 4.2 24.1 24.1 3.9 5.1 Tier 1 Issuance/Repayment Tier 2 Issuance/Repayment Amortisation of Tier 2 Interest on T1 securities Goodwill 201.5 209.5 217.2 219.6 224.3 (0.3) 0.1 (0.3) 0.1 Q2 15 Q3 15 Q4 15 Q1 16 Q2 16 Other (0.4) (0.0) (0.4) Operational Risk Market Risk Credit Risk Capital as at 30-Jun-2016 45.2 6.7 51.8

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