Emirates Nbd Bank (p.j.s.c) · DFM:EMIRATESNBD
Emirates Nbd Bank (p.j.s.c) — Emirates NBD — Q3 2026 Earnings Presentation
18 slides from Emirates Nbd Bank (p.j.s.c)'s earnings presentation, Oct 21, 2026
Slide 1: Results Presentation Third Quarter 2026
Results Presentation Third Quarter 2026 21st October 2026
Slide 2: Important Information
1 Important Information Disclaimer The material in this presentation is general background information about That could cause actual results, and the Group’s plans and objectives, Emirates NBD's activities current at the date of the presentation. It is information to differ materially from those exp
Slide 3: Executive summary 9M-26 Results
2 Executive summary 9M-26 Results Key metrics and guidance* Delivered record income and profits, as robust customer Income Profit Profit activity and continued strong balance sheet growth before tax underscores the resilience of UAE economy 42.2bn 24.3bn 19.3bn +6% qoq flat qoq flat qoq Strategicall
Slide 4: Total income up 15% yoy to a record AED 42.2bn
3 Total income up 15% yoy to a record AED 42.2bn, driven by continued strong balance sheet growth and resilient margins Income statement 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ (AED bn) • Income grew 15% yoy to AED 42.2bn in 9M-26, comprising: Net interest income 29.4 25.8 14% 10.4 9% o NII increased 14% yo
Slide 5: Margins remain resilient, improving qoq as higher asset yields absorb rising funding cost
4 Margins remain resilient, improving qoq as higher asset yields absorb rising funding cost Net interest margin (%) • 9M-26 NIM at 3.24% well within guidance of 3.1-3.3% Quarterly NIM Ytd NIM • ENBD (ex. Deniz and RBL) NIMs remained resilient at 2.60% in 9M-26, increasing by 4bps qoq as higher asset
Slide 6: Strong growth across products and segments driving robust non-funded income growth
5 Strong growth across products and segments driving robust non- funded income growth Non-funded income • Strong broad-based non-funded income, up 18% yoy in 9M-26 across all 9M-26 9M-25 %∆YoY Q3-26 %∆QoQ (AED mn) segments and diversified product offerings Fee and commission income 13,440 11,591 16%
Slide 7: Cost to income ratio ytd remains within guidance
6 Cost to income ratio ytd remains within guidance, on the back of strong business and income growth Cost to income ratio (%) • 9M-2026 cost to income ratio at 31.4%, within the guidance of ≤33% 34.2% 33.0% 32.8% • Group cost base increased in Q3 by 18% qoq (6% ex. RBL), largely due to full ex. RBL
Slide 8: Continued strong well diversified loan growth supported by robust deposit growth
7 Continued strong well diversified loan growth supported by robust deposit growth • Gross loans grew 27% ytd in 9M-26, with 18% growth excluding RBL Gross loans 27% (AED bn) – Retail lending up AED 32bn (17% ytd), with AED 65bn of new originations (18% ex. RBL) – C&IB lending rose AED 76bn (22% ytd
Slide 9: Robust credit quality with solid coverage ratios
8 Robust credit quality with solid coverage ratios • NPL ratio improved to 2.0% in Q3-26, as we revised our guidance to c. 2.0% Impaired loans and allowances from c. 2.5% NPLs 2.5% 2.4% 2.3% 2.1% 2.0% • Impairment allowance of AED 2.1 bn, primarily driven by prudent provisioning 100%across Denizbank
Slide 10: Funding & liquidity are key strengths of the Group
9 Funding & liquidity are key strengths of the Group • LCR of 147% and ADR of 87% demonstrating robust liquidity Advances to deposit and liquidity coverage ratio (%) ADR % LCR % • Liquid assets * of AED 117.6 bn cover 10% of total liabilities and 13% of total deposits 90 152 149 147 • Emirates NBD i
Slide 11: Strong capital position provides solid platform for growth
10 Strong capital position provides solid platform for growth • CET-1 ratio at 13.4% remains strong post RBL consolidation, with the overall effect Capital progression aligning with anticipated outcomes (AED bn) 11.5 157.4 • Strong retained earnings in Q3-26 absorbing 4% qoq growth in total RWAs 9.1
Slide 12: Divisional performance
11 Divisional performance Operating Segment Metrics 9M-26 9M-25 %∆ YoY Retail Banking and Wealth Management delivered record operating profit of AED 11.2 bn, driven by healthy income growth and cost discipline Income 15,673 14,648 7% – Income up 7% yoy, on strong wealth management performance and ba
Slide 13: Appendix
Proud of UAE SllLovl ysyjgr6 Appendix
Slide 14: Financial results 9M-26
13 Financial results 9M-26 Group Consolidated Excluding DenizBank & RBL Income statement 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26** Q3-26 ( AED bn) Net interest income 29.4 25.8 14% 10.4 9% 19.7 19.0 4% 6.7 3% 8.9 6.8 30% 2.9 (1)% 0.9 0.8
Slide 15: US $ convenience translation
14 US $ convenience translation Group Consolidated Excluding DenizBank & RBL Income statement 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26 9M-25 %∆ YoY Q3-26 %∆ QoQ 9M-26** Q3-26 ( AED bn) Net interest income 8.0 7.0 14% 2.8 9% 5.4 5.2 4% 1.8 3% 2.4 1.9 30% 0.8 (1)% 0.2 0.2
Slide 16: DenizBank and Hyperinflation
15 Hyperinflation 158% DenizBank profitability walk (AED bn) 130 137 121 110 1.7 106 (1.0) 93 98 79 84 73 2.1 67 53 58 (0.8) 1.8 (0.2) QoQ% 25% 10% 15% 8% 9% 6% 10% 6% 8% 4% 10% 7% 6% YoY% 62% 65% 68% 72% 49% 44% 38% 35% 33% 31% 31% 32% 30% 0.3 Dec-23 Dec-24 Dec-25 Sep-23 Mar-24 Jun-24 Mar-25 Jun-25
Slide 17: RBL Bank
16 RBL Bank IFRS Income statement Jun’26* 9M-26* RBL Business Overview Q3-26* (from 18th (AED mn)** (18th to 30th) • RBL Bank is one of India’s leading listed private sector banks, providing a June) comprehensive suite of banking products and services across retail and wholesale Net interest income
Slide 18: Thank You
Thank You For additional information: IR@emiratesnbd.com www.emiratesnbd.com/en/investor-relations