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Investor Presentaiton

Funding and Liquidity Emirates NBD • Highlights Headline AD ratio of 95.6% comfortably within the 90-100% management target range Liquid assets* of AED 46.9 Bn as at Q2-14 (15.4% of total liabilities) Debt maturity profile comfortably within funding capabilities Advances to Deposit (AD) Ratio (%) 102.5 102.0 100.6 99.9 99.5 99.2 98.9-- 95.3 95.6 Issued A$ 400 million of 5-year senior debt. Cheapest 5-year funding that the bank has raised in the last 6 years Modest maturity profile affords Emirates NBD ability to consider public and private debt issues opportunistically Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Q2 14 Target range 90-100% AD Ratio (%) Composition of Liabilities/Debt Issued (%) Liabilities (AED 305.4 Bn) Debt/Sukuk (AED 24.1 Bn) Customer deposits 83% ■Banks 5% ■ Others 4% ■Debt/Sukuk 8% ■Syn bank Loan borrow. secur. 1% 1% ■EMTNS 5% Maturity Profile of Debt Issued (AED Bn) Maturity Profile of Debt/Sukuk Issued 100% = AED 24.1 Bn 2.32 1.66 5.89 4.64 3.04 1.48 0.53 0.33 3.61 0.65 ■Sukuk 1% 2014 2015 2016 2017 2018 2019 2020 2022 2023 2024 *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 23 23
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