Investor Presentaiton

Emirates NBD maintains strong balance sheet and good profitability despite increased impairments in H1-20 Key Metrics 2020 Macro themes H1 2020 2020 Guidance Regional Global AED 4.4 Bn • Operating Profit -19% y-o-y AED 4.1 Bn Profit Net Profit -45% y-o-y NIM 2.84% Cost to income 31.7% 2.55-2.65% 33 % NPL Ratio 5.8% Increasing Strong Government and Regulatory support to mitigate effects of Covid-19 • PMI back in expansion territory in June following five months of contraction Strong central bank and government efforts to cushion Covid-19 effects through monetary and fiscal stimulus Credit Quality Coverage Ratio 116.9% Strong • CET 1 15.3% Capital Tier 1 17.3% Unprecedented economic impact due to Covid-19 related shutdowns . Sharp global GDP CAR 18.5% contraction in H1-20 • Financial market LCR 152.5% Liquidity GCC oil sector likely to contract as ADR 96.1% Assets Loan Growth 1% Increasing Low/mid-single digit OPEC+ production cuts extended volatility due to uncertain economic outlook Financial & Operating Performance 9

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