Q2-16 Financial Results Highlights

Divisional Performance Wealth Management Retail Banking & Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD Profile Islamic Banking Emirates NBD 23 23 • RBWM revenues grew 1% q-o-q Balance Sheet Trends Revenue Trends In H1-16, fee income accounted for 39% of total RBWM AED Bn +7% AED Mn revenue +5% +1% Retail loans grew by 5% and deposits by 7% from end 2015 121.1 113.6 1,420 1,513 1,522 • 547 595 583 The bank has improved its distribution capabilities as part of its channel optimization strategy and had 556 ATMs and 97 branches as at 30-Jun-16 RBWM offers an award winning 'best-in-class' digital banking solution with innovative services such as DirectRemit, Mobile Cheque Deposit and FlexiLoan; and plans to launch UAE's first digital bank for millenials 34.0 35.9 873 918 940 Q4 15 Loans Q2 16 Deposits Q2 15 Q1 16 Q2 16 NFI NII • • Islamic Banking revenue grew 2% q-o-q Financing receivables grew 13% from end 2015 across a range of products Customer accounts increased by 7% from end 2015 As at 30-Jun-16, El had 61 branches and an ATM & CDM network of 190 Emirates Islamic successfully issued $750m sukuk. This stand-alone issue generated USD 2.25 Bn of demand which allowed El to upsize the deal whilst tightening pricing Balance Sheet Trends AED Bn Revenue Trends AED Mn +7% +2% +13% 602 613 39.3 39.641.9 552 34.9 154 171 144 409 448 442 Q4 15 Financing receivables Q2 16 Customer accounts Q2 15 Q1 16 Q2 16 NFI NII

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