Emirates Islamic · Q2-18 Q3-18 Q4-18 Q1-19 Q2-19 Net Funded Income Margin Net Funded Income Margin - YTD H1-18 vs. H1-19 Q2-19 vs Q1-19 Net funded income margin at 3.18% increased

June 2019

CONFIDENTIAL AND PROPRIETARYAny use of this material without specific permission of Emirates Islamic Bank is strictly prohibited

Emirates IslamicInvestor Presentation

Emirates Islamic | 2

Important Information

Disclaimer & Forward-Looking Statements

Disclaimer

The material in this presentation is general background information about Emirates Islamic activities current at the date of

the presentation. It is information given in summary form and does not purport to be complete. It is not intended to be relied

upon as advice to investors or potential investors and does not take into account the investment objectives, financial

situation or needs of any particular investor. These should be considered, with or without professional advice when deciding

if an investment is appropriate.

The information contained herein has been prepared by Emirates Islamic. Some of the information relied on by Emirates

Islamic is obtained from sources believed to be reliable but does not guarantee its accuracy or completeness.

Forward Looking Statements

It is possible that this presentation could or may contain forward-looking statements that are based on current expectations

or beliefs, as well as assumptions about future events. These forward-looking statements can be identified by the fact that

they do not relate only to historical or current facts. Forward-looking statements often use words such as anticipate, target,

expect, estimate, intend, plan, goal, believe, will, may, should, would, could or other words of similar meaning. Undue

reliance should not be placed on any such statements because, by their very nature, they are subject to known and unknown

risks and uncertainties and can be affected by other factors that could cause actual results, and the Group’s plans and

objectives, to differ materially from those expressed or implied in the forward-looking statements.

There are several factors which could cause actual results to differ materially from those expressed or implied in forward

looking statements. Among the factors that could cause actual results to differ materially from those described in the

forward-looking statements are changes in the global, political, economic, business, competitive, market and regulatory

forces, future exchange and interest rates, changes in tax rates and future business combinations or dispositions.

Emirates Islamic undertakes no obligation to revise or update any forward looking statement contained within this

presentation, regardless of whether those statements are affected as a result of new information, future events or otherwise.

Emirates Islamic | 3

99.9% owned by Emirates NBD

Group and indirectly owned by the

Government of Dubai (via ICD)

Ownership

Deeply rooted in our values as a Sharia-compliant financial institution

guided by our Service Promise guideline: Transparency, Fairness,

Empathy, Reliability & Accessibility

Sharia Compliant

Full-fledge, Sharia-compliant

financial services offerings across

all segments

Diversified Offering

3rd Largest Islamic Bank in UAE

(by asset size and branch network)

with total balance sheet size of

AED 61.1 bn

Size

Ranked 5th in the Brand Index

2018 Survey amongst all UAE

Financial Institutions

Brand Value

One of the fastest growing bank

in UAE – growing ~3 times in

Balance Sheet & Revenue in the

last 7 years.

Growth Oriented

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EI, a young growing Islamic Bank

Emirates Islamic |

Optimised Branch and Alternative Channel Footprint across UAE

Branches

4

Abu Dhabi

Dubai

Ajman

Sharjah

Ras al Khaimah

Fujairah

Umm al Quwain

Superior Long Term and

Short Term Credit Rating

affirmed by Fitch since 2015

As at July 2018 (Affirmed)

Long Term Short Term Outlook

A+ F1 Stable

Branches ATM / CDM

Dubai 29 124

Abu Dhabi 13 37

Sharjah 10 28

Other Emirates 6 21

Total 58 210

ATM / CDM

13 37

29 124

1 8

1 3

2 6

2 4

10 28

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EI is strategically positioned across UAE to support its clients. Strong credit rating since 2015

Emirates Islamic | 5

Emirates Islamic leads in profitability growth and has been one of the fastest growing bank in UAE in the last 5 years

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5,004

2,501

924

601

510

170

106

Net Profit, 2018,

AED Mn

20

12

5

-2

7

CAGR %,

FY’18 over FY’14

6

19

7,940

5,731

2,464

1,942

1,275

1,140

547

Total Income, 2018,

AED Mn

7

10

9

14

5

-4

3

Source: Fitch Connect

Emirates Islamic | 6

Emirates Islamic is the third largest Islamic bank in the UAE, and maintains a healthy financing to deposit ratio

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125

224

51

58

44

45

23

Total Assets, 2018,

AED Bn

6

13

15

12

2

11

1

Source: Fitch Connect

20

169

105

34

46

38

33

Total Deposits, 2018,

AED Bn

7

12

15

9

3

1

14 24

16

32

145

79

36

28

Total Financing, 2018,

AED Bn

7

14

14

12

2

-2

11

CAGR %,

FY’18 over FY’14

Emirates Islamic |

Revenues and Costs (AED Mn)

Assets and Financing (AED Bn)

Profits (AED Mn)

Customer Accounts and Equity (AED Bn)

Profit and Balance Sheet growth in recent years

7

Costs

717 918

1,335

804

1,032

1,226

2013

1,269

2014 2015

1,213

1,220

2016

1,207

2018

1,185

2017

1,246

1,217

H1-19

1,521

1,949

2,432 2,495 2,392 2,463

+10%

298 378 448584 489 569

544

365416

534507

521584

H1-1920162013

794

20172014 2015 2018

663

1,0109821,091

1,153

+12%

H2 H1

Revenues Pre-Provision Operating Profits Net Profits

111226

447

137

387485

673

28138

194

-32

315

20152013 2014

139

2016

439

2017

641

2018 H1-19

364

106

702

924+46%

419 540772 642 697 648

791

439

615

679762 686 662

2013 201820152014 2017

1,404

2016 H1-19

858

1,156

1,451 1,383 1,310

+9%

H2 H1

Assets Financing Receivables (Net)

40 43

5359 62 58 61

H1 1920142013 2015 2016 2017 2018

+7%

2226

34 3634

36 37

H1 1920162015 20182013 20172014

+9%

• Equity is Tangible Shareholder’s Equity; All P&L numbers are YTD, all Balance Sheet numbers are at end of period • Source: Financial Statements

Customer Accounts Equity

29 31

39 41 42 42 44

20172013 2014 2015 H1 192016 2018

+7%

45 5

77 7

8

2013 20182014 2015 H1 1920172016

+12%

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Emirates Islamic | 8

H1 - 2019 Financials Results Highlights

HighlightsKey Performance Indicators

• Net Profit at AED 673 M in H1-19 increased by 39%

compared to same period last year

• Net Funded income improved by 13% compared to

same period last year mainly due to higher asset

base and improvement in Net Funded Income

Margin by 21 bps

• Non-Funded income improved by 4% compared to

same period last year mainly due to higher foreign

exchange revenue and investment income partially

offset by lower fees income

• Costs reduced by 4% compared to same period last

year

• Net impairment at AED 118 M improved by 28%

compared to same period last year mainly due to

release of expected credit losses (ECL) and higher

recoveries partially offset by higher specific

impairment

• Financing & Investing Receivables at AED 36.6 B

increased by 5% compared to same period last year

• Total assets grew by 4% compared to same period

last year on the back of higher investment in

securities, higher customer financing and

acceptances, higher fixed assets on account of IFRS

16 implementation

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AED in Million H1 2019 H1 2018Better /

(Worse)H2 2018

Better /

(Worse)

Net Funded Income 911 809 13% 860 6%

Non Funded Income 424 408 4% 386 10%

Total Income 1,335 1,217 10% 1,246 7%

Operating Expenses (544) (569) 4% (584) 7%

Pre-impairment Operating Profit 791 648 22% 662 19%

Impairment Allowances (118) (163) 28% (223) 47%

Net Profit for the Period 673 485 39% 439 53%

Cost income ratio (%) 40.7% 46.7% - 46.9% -

Net Funded Income Margin (%) 3.2% 2.9% - 3.0% -

AED Billion 30-Jun-19 30-Jun-18 % 31-Dec-18 %

Total Assets 61.1 58.7 4.2% 58.4 4.7%

Financing & Investing Receivables, net 36.6 34.9 4.8% 36.2 1.2%

Customers' Accounts 43.8 42.7 2.6% 41.6 5.3%

Headline Ratio (%) 83% 82% - 87% -

NPF Ratio (%) 8.6% 8.1% - 8.2% -

Emirates Islamic | 9

Q2 – 2019 Financial results highlights

HighlightsKey Performance Indicators

• Net Profit at AED 262 M in Q2-19 lower by AED 15 M

compared to same period last year

• Net Funded income improved by 12% compared to

same period last year mainly due to higher asset base

and improvement in net funded income margin by 15

bps

• Non-Funded income lower by 2% compared to same

period last year mainly due to lower fee income partially

offset by higher foreign exchange income

• Costs reduced by 5% compared to same period last

year

• Net impairment at AED 136 M increased by 123%

compared to same period last year mainly due to higher

expected credit loss (ECL) charge and specific

impairment partially offset by higher recoveries and

write-backs

• Financing & Investing Receivables at AED 36.6 B

increased by 5% compared to same period last year

• Total assets grew by 4% compared to same period last

year on the back of higher investment in securities &

Central Bank CDs, higher customer financing and

higher fixed assets on account of IFRS 16

implementation

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AED in Million Q2-19 Q2-18 Better /

(Worse) Q4-18

Better /

(Worse)

Net Funded Income 468 418 12% 444 5%

Non Funded Income 204 209 -2% 220 -7%

Total Income 672 627 7% 663 1%

Operating Expenses (274) (290) 5% (270) -1%

Pre-impairment Operating Profit 398 337 18% 393 1%

Impairment Allowances (136) (61) -123% 18 -867%

Net Profit for the Period 262 277 -5% 411 -36%

Cost income ratio (%) 40.8% 46.2% - 40.7% -

Net Funded Income Margin (%) 3.2% 3.0% - 3.1% -

AED Billion 30-Jun-19 30-Jun-18 % 31-Mar-18 %

Total Assets 61.1 58.7 4.2% 60.6 0.9%

Financing & Investing Receivables, net 36.6 34.9 4.8% 36.4 0.5%

Customers' Accounts 43.8 42.7 2.6% 43.4 1.0%

Headline Ratio (%) 83% 82% - 84% -

NPF Ratio (%) 8.6% 8.1% - 8.2% -

Emirates Islamic |

TRY

Spreads

Highlights

Net Profit Margin Drivers (%)

Net Funded Income Margin (%)

Net Funded Income Margin (NFIM)

10

Q1-19 vs. Q2-19

0.00 0.01

0.03

Financing

Spreads

Q1-19 Customer

Accounts

& Sukuk

Spreads

Q2-19

3.14

3.18 2.953.160.30 0.14

Financing

Spreads

H1-18 Customer

Accounts

& Sukuk

Spreads

TRY

Spreads

H1-19

(0.23)

3.03 3.023.10 3.14

3.18

2.95 2.97 3.00

3.14 3.16

Q3-18Q2-18 Q1-19Q4-18 Q2-19

Net Funded Income Margin

Net Funded Income Margin - YTD

H1-18 vs. H1-19

Q2-19 vs Q1-19

Net funded income margin at 3.18% increased by 4 bps q-o-q mainly

due to:-

Lower profit pay-out on Customer deposits and banks’

placements

Higher yield on central bank CDs

H1-19 vs H1-18

Net Funded Income Margin (YTD) at 3.16% increased by 21 bps over

same period last year mainly due to:-

Higher yield on central bank CDs, customer financing and

placements with other banks

Offset by

Higher profit rate on Wakala deposits

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Emirates Islamic |

Highlights

Trend in Non Funded Income (AED Mn)

Composition of Non Funded Income (AED Mn)

Non Funded Income

• Total Non Funded Income decreased by 2.5% y-o-y and

decreased by 7% q-o-q

• Core Fee Income decreased by 4% y-o-y on account of higher

fees charge by Visa and Master Card; lower derivatives income

partially offset by higher foreign exchange revenue

• Loss from Investment securities decreased by 39% y-o-y mainly

due to lower revaluation loss on securities and higher realized

gain on sale of securities

• Income from Investment Securities decreased by 122% q-o-q

mainly due to revaluation on account of lower market value of the

securities

11

128 109

34

108 99100

31

54

32 2931

695953

67

4

Q2 18

-7

Q3 18

2 21

Q4 18 Q1 19

-4

Q2 19

209202

185

220 204

Investment / CDS Income

Forex & Derivative Income

Commision Income

Fees & Other Banking Income

AED Mn Q2 19 Q2 18 % Change Q1 19%

Change

Gross fee income 260 252 3.1% 259 0.1%

Fees & commission expense (57) (41) -39.7% (66) 13.2%

Core fee income 203 211 -4.0% 194 4.6%

Property Related Income 6 6 7.5% 5 14.0%

Investment securities & other

income / (loss)(4) (7) 38.9% 21 -121.8%

Total Non Funded Income 204 209 -2.5% 220 -7.0%

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Emirates Islamic |

Highlights

Cost Composition (AED Mn)

Cost to Income Ratio (%)

Operating Costs and Efficiency

12

41 38 50 49 5328

60 5461

59 59

160 160171

154 154

25

Q2-18

9

Q3-18

25

290

Q4-18

9

Q1-19 Q2-19

277308

270 274

Staff Cost Recharges Other CostOccupancy Cost

46.746.0

46.8

40.7 40.7

Q4-18Q2-18 Q3-18 Q1-19 Q2-19

Reported CI Ratio

• Cost to Income ratio at 41% for H1-2019 improved by 6%

compared to the same period last year as a result of :-

o Improvement in total income by 10%

o Reduction in total cost by 4%

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Emirates Islamic |

Highlights

Impaired Financing and Impairment Allowances (AED Bn)

Impaired Financing & Coverage Ratios (%)

Credit Quality

13

8.1 8.3 8.2 8.6 8.6

Q2-18 Q4-18Q3-18 Q1-19 Q2-19

NPF Ratio %

Impaired Financing Impairment Allowances

0.7 0.7 0.7 0.8 0.8

2.5 2.6 2.6 2.7 2.6

Q4-18Q2-18 Q3-18 Q1-19

3.2

Q2-19

3.33.3 3.4 3.5

1.2%

1.1 1.1 1.0 1.0 1.1

2.8 2.9 2.9 2.8 3.0

Q2-18

4.0

Q1-19Q3-18 Q4-18 Q2-19

4.0 4.0 3.8 4.0

5.0%

Corporate Retail

126.3119.5 120.5

111.3 115.4

Coverage, incl, PIP

• Non Performing Financing (NPF) ratio increased from 8.2% to 8.6%

compared to Dec-18 mainly due to higher NPF

• Coverage ratio at 115% reduced from Dec-18 mainly due to increase in

non performing finance and ECL write-back during the H1 2019

• The impairment allowance of AED 4.0 B includes AED 3.0 B (75%) of

specific impairment and AED 1.0 B (25%) of ECL provisions

• Expected Credit Loss (ECL) represent 2.5% of total Credit Risk Weighted

Assets (CRWA) at the end of H1 2019 (Q4 2018 – 3.1%)

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Emirates Islamic | 14

Risk Weighted Assets – Basel II (AED Bn)

4.3 4.3 4.3 4.3 4.30.0

39.2

Q1-19Q3-18

37.90.0

Q4-18

40.7

Q2-18

0.0

39.7

44.5

Q2-19

40.2

0.0

43.545.0

42.244.0

0.0

+0.6%

CREDIT RISK MARKET RISK OPERATIONAL RISK

6.8 7.0 7.2 7.7 7.9

15.7 15.617.1 17.4 17.8

16.8 16.718.2 18.5 18.9

0.5 0.5

Q2-18

0.5

Q4-18Q3-18 Q2-19

0.5

Q1-19

0.5

7.3 7.5 7.7 8.1 8.4

TI TI%T2 CAR %

Highlights Capitalisation (AED Bn)

Capital Adequacy

• CAR ratio as at the end of Q2-19 is at 18.9% increased from 18.5%

at the end of Q1 2019 mainly due to:-

o Increase in capital base on account of Net Profit of AED

262 M during the quarter

Partially Offset By

o Higher Risk Weighted Assets (RWA) on account of :-

• Higher Financing Receivables by AED 0.2 B

• Higher Investment in securities by AED 0.3 B

• Higher Commitment & Contingencies by AED 0.2 B

• Tier I ratio increased to 17.81% (Q1 2019 – 17.39%)

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Tier-1 Tier-2 Total

Capital as at 31 December 2018 7,211 474 7,685

Net Profits generated 673 - 673 Dividends paid - - - Directors' fee - - - Zakat for the year - - - Total comprehensive income for the period - Other Reserve- - -

Cumulative changes in fair value - 45% cap 50 - 50

ECL impact - - -

Movement in eligible ECL - 29 29

7,935 502 8,437

Capital Movements (as per Basel II) AED Millions

Emirates Islamic |

Highlights

Composition of Liabilities / Sukuk Issued (%)

Headline Ratio (%)

Funding and Liquidity

15

81.785.6 86.9

83.8 83.2

77.7 79.3 79.6 79.9 79.4

Q2-18 Q3-18 Q1-19Q4-18 Q2-19

FD Ratio (%) - Headline FD Ratio (%) - Reg.

Source: UAE Central Bank

43.8

(86.6%)

3.1

(6.1%)

3.7

(7.3%)

AED in Billions

CASA to Deposit Ratio

69.567.8

65.8 66.564.4

Q2-18 Q3-18 Q4-18 Q1-19 Q2-19

EI Sukuk

Due to Banks

Customer Accounts

• Financing to deposits ratio at 83% reduced by 4% from 2018 due

to increase in customer deposits by AED 1.1 billion

• Long term funding (Sukuk) represent 7.3% of total borrowings

• The CASA to Customer Deposits ratio at the end of Jun’19 is at

64% (2018 – 66%)

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Emirates Islamic |

Highlights Trend in “Net” Financing by Type (AED Bn)

• Financing receivables increased by 5% y-o-y andincreased by 1% q-o-q

o Consumer Banking financing receivableincreased by 7 % y-o-y and increased by 2%q-o-q

o Wholesale Banking financing receivablesremained flat y-o-y and decreased by 1% q-o-q

• Customer accounts increased by 3% y-o-y andincreased by 1% q-o-q

o CASA decreased by 5% y-o-y anddecreased by 2% q-o-q

o ITD decreased by 23% y-o-y and decreased1% q-o-q

o Wakala increased by 35% y-o-y andincreased by 9% q-o-q

Trend in Customer Accounts by Type (AED Bn)

* Financing is Net of Deferred Income and impairment provisions

13.9 13.1 13.1 13.8 14.4 14.0

21.4 20.8 20.6 21.1 21.9 22.1

14.0 13.8

22.3 22.7

0.0

33.7

0.00.0

Q1-18Q3-17 Q4-17 Q2-19

0.0

Q2-18

0.0

34.9

Q3-18

0.0

Q1-19Q4-18

35.3

0.1 0.1

36.233.8

36.3 36.4 36.6

+5% +1%

Consumer Banking Wholesale Banking Others

8.5 9.9 10.4 9.5 10.5 11.4 11.8 12.9

28.5 28.3 29.2 29.7 28.7 27.4 28.9 28.2

Q4-17

42.7

3.7

Q3-17 Q2-18

3.6 3.7 2.73.5

Q1-18

3.1

Q3-18

2.8

Q4-18

43.4

2.7

Q1-19 Q2-19

41.642.440.8 41.8 43.4 43.8

+3% +1%

ITDCASA Wakala

Financing and Customer Accounts Trends

16

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Emirates Islamic |

Total “Gross” Financing* (AED 40 Bn)

Consumer Financing (AED 23 Bn)

Wholesale Banking Financing (AED 17 Bn)

* Gross Financing net off deferred portion

** Others under Sector wise breakup includes Agriculture and Sovereign

***Others include SME products held by retail customers

23.7

(59%)Consumer Banking

16.8

(41%) Wholesale Banking 24%8%

10%

39%

6%

9%

Real EstateServices

1%

4%

Others**

Manufacturing

Trade

Transport & Communication

Construction

Financial Institutions

11% 6%

38%

30%

14%

Personal Finance

Credit CardsAuto Financiang

Others***

Mortgage Finance

Financing Composition

17

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Emirates Islamic | 18

Divisional Performance

Revenue Trends

AED Mn

Balance Sheet Trends

AED Bn

Co

nsu

me

r B

an

kin

g (

CW

M)

– Financing receivable increased by 2%. Customerdeposits increased by 5% mainly due to higher CASAand Wakala deposits.

– Revenue increased by 8% y-o-y. Funded incomeincreased mainly due to higher margin on account ofimproved internal fund transfer pricing on customerdeposits further increased by higher customer depositscompared to same period previous year.

– Revenue increased by 7% q-o-q. Funded incomeincreased mainly due to higher customer financing andhigher income from internal fund transfer pricing on theback of increased customer deposits compared toprevious quarter. Non funded income increased onaccount of higher fees income and foreign exchangerevenue.

Wh

ole

sa

le B

an

kin

g (W

B)

– Financing receivable decreased by 2% from end of

2018 mainly due to reclassification of exposure to other

banks. Customer deposits increased by 7% from end of

2018 mainly due to increase in Wakala deposits.

– Revenue decreased by 10% y-o-y. Non funded incomedecreased as previous period had higher derivativesincome.

– Revenue increased by 3% q-o-q. Funded incomeincreased as a result of higher internal fund transferpricing income on the back of increased customerdeposits compared to previous quarter.

Balance Sheet Trends

AED Bn

Revenue Trends

AED Mn

22.1 22.7

36.7 38.6

Dec-18 Jun-19

+2%

+5%

Financing Receivable Customer Deposits

14.0 13.8

4.9 5.3

Jun-19Dec-18

-2%

+7%

Financing Receivable Customer Deposits

165 152 169

291 306 321

Q1-19Q2-18 Q2 19

490456 458

+8% +7%

FI NFI

47 38 34

6963 71

Q2-18 Q1-19 Q2 19

117102 105

-10% +3%

FI NFI

All Balance Sheet numbers are at end of period

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Emirates Islamic | 19

For enquires please contact:

Chief Financial Officer

Emirates Islamic Bank

Post Box 6564, Dubai,

United Arab Emirates

Tel: +971 4 3834670

Email: [email protected]

Investors Relation

PO Box 777

Emirates NBD Head Office, 4th Floor

Dubai, UAE

Tel: +971 4 201 2606

Email: [email protected]