Q2-16 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Loan and Deposit Trends Highlights • • Gross loans grew 6% since end 2015 with good growth in Corporate and Islamic lending Islamic financing grew 12% since end 2015 due to growth in trade and services sectors and retail Corporate lending grew 5% since end 2015 due to growth in trade and manufacturing sectors Consumer lending grew 3% since end 2015 across a range of products Deposits increased 2% q-o-q and 4% since end 2015 CASA deposits grew 6% since end 2015 and represent 57% of total deposits, up from 43% at end 2012 Trend in Gross Loans by Type (AED Bn) +6% +2% 303 310 294 279 285 267 271 259 235 216 205 195 201 202 207 209 215 221 225 162 166 178 22 22 28 27 27 28 29 30 30 31 20 20 28 33 36 38 40 43 46 48 51 54 -1. 1 1 1- 0 0. 0. Q4 10 Q4 11 Q4 12 Q4 13 Q4 14 Corporate Consumer Q1 15 Q2 15 Islamic* Q3 15 Q4 15 Q1 16 Q2 16 Treasury/Other Trend in Deposits by Type (AED Bn) 274 258 260 269 240 5 214 5 +4% +2% སྣ་ 287 291 298 3 200 193 103 99 110 99 121 113 122 110 122 138 113 Gross Islamic Financing Net of Deferred Income 151 157 159 164 160 172 169 127 79 91 61 Q4 10 Q4 11 Q4 12 Q4 13 Q4 14 Q1 15 Q2 15 Q3 15 Q4 15 Q1 16 Q2 16 Other Time CASA Emirates NBD 21 21

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