Q2-18 Financial Results Highlights

Emirates NBD Profile Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD 10 Emirates NBD is the regional leader in digital innovation 2012 New Dynamic IVR Introduced Direct Remit 2 Mobile Remit to India Mobile number in just 60 secs CRM Cockpit app smart, paperless and instant banking Introduced SkyShopper FaceBanking 4.5/5 (Avg. Rating) CRM Started multichannel CRM foundation and Mobile Banking vision 2013 Introduced 1st Generation of Mobile Banking App Introduced The new ITM 04 The First video based interactive teller machine in MENA WU Introduced Western Union Transfers through mobile banking for the first time in the region 2014 Introduced Shake n' Save The First Mobile Introduced Direct Remit to India Remit to India in just 60 secs Introduced Remote Cheque Deposit for the first time outside of US and Canada Introduced Social Banking Twitter inquiry service for the first time in MENA ICCS Collect digital warehousing and processing of cheques Introduced Apple Pay Samsung Pay Introduced Get Queuing Ticket For the first time in the region Introduced Direct Remit to Pakistan Remit to Pak in just 60 secs liv. Digital Bank for Millennials 2018 Introduced InstaLoan The first instant paperless loan disbursal in MENA 2016 2017 mePay cardless cash withdrawal Digital Branch Paperless Account Opening pilot Decision Management System roll out commenced Tablet based Account Opening Savings product in the region ద Introduced mePay Introduced P2P money transfer service for Emirates NBD Customers 2015 Introduced Direct Remit to Philippines Remit to Phil in just 60 secs Introduced Direct Remit to Sri Lanka Remit to SL in just 60 secs Introduced Direct Remit to Egypt Remit to Egypt in just 60 secs Introduced ENBD Pay NFC based mobile contactless payment service Inaugurated FutureLab Pepper Robot Tablet based investment sales Launch of Liv. Goals Website personalization digitization 6 th best app worldwide (as ranked by Forrester) Introduced IPO Subscription IPO through ATM, Online and Mobile Investment Portfolio Widgets on Mobile Banking Introduced Direct Remit 2 Mobile Cash Remit cash to any Indian Mobile number EUROMONEY AWARDS FOR EXCELLENCE 2017 Best Digital Bank in the Middle East

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