Q2-18 Financial Results Highlights

Operating Environment Capital Adequacy Highlights • In Q2-18, capital ratios improved by 0.8-0.9% as retained earnings more than offset the increase in Risk Weighted Assets CAR unchanged at 21.2% since the beginning of the year as retained earnings were offset by retirement of Tier 2 debt and the transition adjustment to IFRS 9 Emirates NBD has been designated a Domestically Systemically Important Bank. Additional D-SIB buffer of 1.125% for 2018 rising to 1.5% by 2019 New Basel III Capital Standards not expected to materially impact the Bank's Capital profile Capitalisation Capital Movements AED Bn Appendix Strategy Financial & Operating Performance Emirates NBD Profile Emirates NBD 20 21.2 20.3 21.2 19.8 18.9 19.0 15.6 15.5 16.3 57.8 57.5 55.0 -6.3 3.7 3.8 8.9 9.5 9.5 42.6 41.7 44.3 Q4 17 Q1 18 Q2 18 T2 AT1 CET1 T1 % CAR % CET1 % Risk Weighted Assets (AED Bn) CET-1 Tier 1 Tier 2 Total +2% Capital as at 31-Dec-2017 42.6 51.5 6.3 57.8 267.1 271.6 273.0 270.1 271.7 Net profits generated 5.0 5.0 5.0 25.7 25.7 8.4 -7.3 26.4 26.4 26.4 -7.8 10.5 10.2 Impact of IFRS 9 (2.3) (2.3) (2.3) 233.0 238.6 238.8 233.3 235.1 Repayment of Tier 2 (2.9) (2.9) Interest on T1 securities (0.3) (0.3) (0.3) Q2 17 Q3 17 Q4 17 Q1 18 Q2 18 Other (0.7) (0.1) 0.4 0.2 Capital as at 30-Jun-2018 44.3 53.8 3.8 57.5 Operational Risk Market Risk Credit Risk * Q4-17 capital ratios adjusted for 2017 dividend

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