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Investor Presentaiton

Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD Profile Emirates NBD at a glance A leading bank in the region Market share in the UAE (as at 30 June 2017) Assets 17.2%; Loans 19.1%; Deposits 20.1% Leading retail banking franchise in the UAE with the largest distribution network, complemented by a best-in-class mobile and online banking platform retail • Fully fledged financial services offerings across banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit ratings Fitch Ratings Long Term / Short Term A+ / F1 Stable Moody's Outlook Most Recent Rating Action A3 / P-2 Stable Ratings affirmed (22-Feb-2017) Issuer In-Depth (26 July 2017) GCAPITAL A+ / A1 intelligence Stable LT FCR and FSR upgraded (12-Oct-16) Emirates NBD 8 Largest branch network in the UAE Dubai 101 Ras al-Khaimah (5) Abu Dhabi 27 Sharjah 18 Umm al-Quwain (2). Other Emirates 11 Total 157 Ajman (2)- Dubai (101) -Fujairah (2) - Sharjah (18) Abu Dhabi (27) International presence Branch Rep office Egypt (64 branches)
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