Investor Presentaiton

Divisional Performance Appendix Strategy Financial & Operating Performance Emirates NBD Profile Islamic Banking Retail Banking & Operating Environment Wealth Management Retail business has grown but revenue stable due to a change in internal transfer pricing • Deposits declined 3% from end 2014 as more expensive time deposits were retired • Loans grew 1% from end 2014 • The bank has improved its distribution as part of its channel optimization strategy and had 530 ATMs and 98 branches as at 31-March-2015 • RBWM offers an award winning 'best-in-class' online and mobile banking solutions and continue to launch innovative services such as the e-IPO and DirectRemit Islamic Banking revenue continues to grow strongly, improving 13% q-o-q • Financing receivables grew 6% from end 2014 Customer accounts also increased by 6% from end 2014 • • Emirates Islamic delivered healthy increase in NFI thanks to ongoing success of the murabaha trading platform and increased revenue from the sale of takaful or insurance products • At Q1-15, El had 56 branches and an ATM & CDM network of 167 Emirates NBD Balance Sheet Trends -3% Revenue Trends AED Bn AED Mn +1% -1% 113.5 109.7 1,388 1,417 1,402 446 487 536 30.3 30.7 941 930 866 Q4 14 Q1 15 Q1 14 Q4 14 Q1 15 Loans Deposits NFI NII Balance Sheet Trends AED Bn Revenue Trends +6% AED Mn +6% 33.4 31.5 27.9 29.5 +13% 662 586 284 420 213 115 373 378 305 Q4 14 Q1 15 Financing receivables Customer accounts Q1 14 Q4 14 Q1 15 NFI NII 22 22

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