Financial & Operating Performance

Emirates NBD Profile Operating Environment Strategy Financial & Operating Performance Appendix Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED Bn) Revenues Costs +9% +5% 14.4 15.2 14.7 15.5 11.9 4.2 4.4 4.7 4.9 4.8 3.8 10.2 Emirates NBD 12 Profits (AED Bn) Pre-Provision Operating Profits Net Profits +10% 10.1 10.5 10.6 9.9 7.7 6.5 +27% 8.3 7.1 7.2 5.1 3.3 2.6 2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017 Assets and Loans (AED Bn) Assets Loans Deposits and Equity (AED Bn) Deposits +9% +7% 448 470 +9% 407 308 342 363 271 290 304 218 238 246 311 327 287 214 240 258 2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017 Equity +12% 48 45 41 35 31 54 54 2012 2013 2014 2015 2016 2017 2012 2013 2014 2015 2016 2017 Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles. All P&L numbers are YTD, all Balance Sheet numbers are at end of period Source: Financial Statements

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