Emirates NBD Financial Performance Q1 2020

Loan composition Net Loans by Geography Q1-20 Gross Loans by Segment Q1-20 UAE 75% Net Loans by Geography Q1-19 Gross Loans by Sector Q1-20 Trans. & com. Agriculture Trade 7% 2% 2% 4% 5% Hotels and restaurants Construction Fin Institutions 3% Manufacturing 4% Mgmt of Cos 4% 3% Others ** Corporate 37% Sovereign Sovereign 2% GCC 34% 23% International 16% Retail Gross Loans by Segment Q1-19 13% Islamic 34% 4% 11% Services Real estate Gross Loans by Sector Q1-19 18% Personal Agriculture Construction Trans. & com. Trade Corporate 7% 0% 5% 2% 32% Sovereign 1% 1% Sovereign 3% 4% Fin Institutions Hotels and restaurants Manufacturing Mgmt of Cos Others ** 4% UAE 93% 2% GCC 5% International 42% Note: Gross loans include Islamic financing gross of deferred income **Others include Mining & quarrying (and Agriculture for Islamic Loans) 11% Retail 15% Islamic 42% 18% Personal 13% 1% Services Real estate Financial & Operating Performance 14

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