Q2-18 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Key strengths Size One of the largest financial institutions by asset size in the GCC (top 3); 2nd largest in the UAE Flagship Flagship bank for the Government of Dubai and the UAE, playing a strategic role in developing the economy Balance Sheet Well-capitalized with a strong balance sheet that is positioned to grow and deliver outstanding value to its stakeholders Geographic Presence Sizeable footprint in the UAE (with the largest branch network); international presence in Asia, Europe and MENA. Emirates NBD Emirates NBD Ownership 56% owned by the Government of Dubai (via Investment Corporation of Dubai) Profitable Consistently profitable, despite low commodity price environment and other regional headwinds Diversified Offering Fully fledged, diversified financial services offering and regional leader in digital banking Leader in Digital Banking 6th best banking app worldwide, Strong Customer acquisition by Liv. In its first year of operation 9

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