Investor Presentaiton

Emirates NBD Divisional Performance (cont'd) Wholesale Banking Wholesale Banking revenues increased 16% y-o-y Loans grew 7% in 2017 due to growth in real estate, services and trade sectors. Deposits up 19% in 2017 Net Interest Income grew 19% y-o-y driven by an improvement in margins and growth in lending activity Fee income grew 6% y-o-y mainly due to growth in loans and trade finance Focus in 2017 was on enhancing customer service quality in key sectors, share of wallet, increased cross- sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration Balance Sheet Trends AED Bn 211.5 +19% +7% 227.1 Revenue Trends AED Mn +16% 4,979 4,298 1,283 1,206 118.9 100.1 3,695 3,092 Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Global Markets & Treasury • • GM&T revenues increased 106% y-o-y Revenue growth helped by Balance Sheet positioning to take advantage of rate rises Sales revenue from FX increased on higher volumes due to enhanced product capability and closer working relationship with Corporate & Institutional clients Raised AED 10.2 billion of term funding through private placements with maturities out to twenty years, a US$750m 5-year benchmark issue and a 10-year Australian dollar deal 2016 Loans 2017 2016 2017 Deposits NFI NII Revenue Trends AED Mn +106% 782 380 528 464 254 -83 2016 2017 NFI NII 25

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