Q2-18 Financial Results Highlights

Emirates NBD 24 Divisional Performance Wealth Management Revenues increased 13% y-o-y Net interest income grew 10% y-o-y led by liabilities. Fee income grew 19% y-o-y supported by FX and cards and represents 36% of total RBWM revenue Loans were up 5% due to growth in mortgages and term loans Liv., the country's first digital bank targeted at millennials, completed its first year of operations, acquiring 100,000 customers to become the fastest growing bank in the UAE The bank continues to optimize its distribution network with 607 ATMs and 93 branches as at 30-Jun-18 Balance Sheet Trends AED Bn Revenue Trends +3% AED Mn +13% +5% 3% 137.1 140.9 1,790 1,836 1,629 646 642 539 38.8 40.6 1,090 1,144 1,194 Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Retail Banking & Emirates Islamic • Revenue increased 7% y-o-y driven by a 15% growth in fee income and a 4% increase in funded income Financing receivables grew 3% since year end to AED 34.9 billion helped by growth in manufacturing, trade, Fl and retail sectors Customer accounts grew 2% to AED 43 billion as El focused on improving liability mix and cost of funding CASA represents 70% of El's customer deposits As at 30-Jun-18, El had 61 branches and an ATM & CDM network of 208 Q4-17 Loans Q2-18 Deposits Q2-17 Q1-18 NFI Q2-18 NII Balance Sheet Trends AED Bn Revenue Trends AED Mn +2% +7% +3% (6%) 41.8 42.7 627 33.8 34.9 584 590 209 182 199 402 391 418 Q4-17 Q2-18 Q2-17 Q1-18 Q2-18 Financing receivables NFI NII Customer accounts

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