Investor Presentaiton

Operating Environment Strategy Financial & Operating Performance Emirates NBD Profile Appendix Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED Bn) Profits (AED Bn) Revenues Costs Emirates NBD 11 Pre-Provision Operating Profits Net Profits +11% 14.4 15.2 9.9 10.2 11.9 +5% +7% 4.2 4.4 +14% 4.7 3.6 3.8 TA(+8% 10.1 10.5 FA(+5% 7.7 6.3 6.5 +30% +39% 7.1 5.1 3.3 2.5 2.6 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 Assets and Loans (AED Bn) Assets Loans Deposits and Equity (AED Bn) Deposits Equity +9% +7% +10% +11% 407 342 363 285 308 +12% 203 218 238 246 271 287 258 45 +10% +10% 214 240 +11% 41 193 35 29 31 2011 2012 2013 2014 2015 20112012201320142015 2011 2012 2013 2014 2015 2011 2012 2013 2014 2015 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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