Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Emirates NBD 21 Loan and Deposit Trends Highlights Gross loans grew 5% in H1-17 with good growth in Corporate lending Corporate lending grew 6% in H1-17 due to growth in real estate, trade and Fl sectors Consumer lending grew 1% in H1-17 across a range of products, particularly mortgages Islamic financing declined 1% in H1-17 due to a slowdown in new business as Emirates Islamic tightened underwriting standards Deposits grew 3% since the start of the year and 7% y-o-y CASA deposits grew 7% since the start of the year and represent 56% of total deposits Trend in Gross Loans by Type (AED Bn) +6% +5% 329 320 310 314 315 303 294 279 285 271 209 215 221 225 226 227 233 242 202 207 27 28 29 30 30 31 33 35 35 35 40 43 46 48 51 54 54 53 52 52 -1 -1- -0. 0. 0. 0 0. Q1 15 Q2 15 Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Corporate Consumer Islamic* Treasury/Other Trend in Deposits by Type (AED Bn) +7% 312 311 319 320 +3% 260 5 99 Suཎྜ 287 291 298 274 269 6 110 99 121 113 122 133 135 133 131 157 159 164 160 172 169 172 169 179 181 Q1 15 Q2 15 Q3 15 Q4 15 Q1 16 Q2 16 Q3 16 Q4 16 Q1 17 Q2 17 Other Time CASA

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