Financial & Operating Performance

Appendix Emirates NBD Divisional Performance Wealth Management Revenues increased 11% y-o-y Net interest income grew 17% led by liabilities. Fee income grew 1% supported by wealth, FX and cards and accounts for 35% of total RBWM revenue Loan growth was flat as growth in credit cards and mortgages was offset by a decline in micro-SME balances RBWM continued to lead the market in digital and innovation with the launch of Liv., the UAE's first digital bank targeted at millennials; FaceBanking video banking service; and EVA, the region's first voice-based virtual chatbot Balance Sheet Trends AED Bn Revenue Trends AED Mn -3% 0% +11% 141.6 137.1 6,833 6,171 2,419 2,388 38.7 38.8 4,414 3,783 Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Retail Banking & Emirates Islamic The bank continues to optimize its distribution network with 583 ATMs and 95 branches as at 31-Dec-17 2016 2017 2016 2017 Loans Deposits NFI NII El achieved a record net profit of AED 702 million in Balance Sheet Trends 2017, a six-fold improvement from 2016 Revenue Trends AED Bn AED Mn +2% Financing receivables declined 7% to AED 34 billion in 2017 due to a slowdown in new business as El tightened underwriting standards -4% -7% 2,495 2,392 41.1 41.8 36.3 736 33.8 765 Customer accounts grew 2% to AED 42 billion as El focused on improving liability mix and cost of funding. CASA now represents 81% of El's customer deposits As at 31-Dec-17, El had 64 branches and an ATM & CDM network of 203 1,759 1,627 2016 2017 2016 2017 Financing receivables Customer accounts NFI NII 24

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