Financial & Operating Performance

Emirates NBD Profile Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD 22 Loan and Deposit Trends Highlights Gross loans grew 5% in 2017 with growth mainly from corporate lending Corporate lending grew 7% in 2017 due to growth in real estate, services and trade sectors Consumer lending grew 3% in 2017 with growth in credit cards and mortgages Islamic financing contracted 3% in 2017 due to a slowdown in new business as Emirates Islamic tightened underwriting standards Deposits grew 5% in 2017 with higher growth in fixed deposits in Q4 reflecting competition for liquidity over year-end CASA deposits represent 55% of total deposits Trend in Gross Loans by Type (AED Bn) 33 +5% 329 329 329 320 310 314 315 303 294 285 215 221 225 226 227 233 242 242 243 209 29 30 30 31 33 35 35 35 =4 34 35 46 48 51 54 54 53 52 52 53 51 1 0. 0 -0 -0. 0. -0 0 -0 Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Corporate Islamic* Treasury/Other Consumer 33 Trend in Deposits by Type (AED Bn) * Gross Islamic Financing Net of Deferred Income +5% 312 311 319 320 322 327 287 269 པླ☁ 291 298 7 133 133 131 132 141 99 121 113 122 135 164 160 172 169 172 169 179 181 181 Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Q3 17 Q4 17 Other Time CASA 183 178

View entire presentation