Investor Presentaiton

Global Markets & Treasury Wholesale Banking • Divisional Performance (cont'd) Emirates NBD on Main focus during Q1 2014 was continued strategy evolution by building center of excellence around key sectors and geographic locations to enhance customer service quality and share of wallet, increased cross-sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration • Revenue increased 12% y-o-y and declined 3% q-o-q • Loans were broadly stable from end 2013 as new underwriting Balance Sheet Trends AED Bn 0% 187.6 187.3 Revenue Trends AED Mn +12% 1,186 1,028 1,146 -3% 319 331 307 82.6 87.3 +6% 867 815 721 offset normal loan repayments Q4 13 Q1 14 Q1 13 Q4 13 Q1 14 Deposits grew by 6% from end 2013 Loans Deposits NFI NII Revenue increased to AED 244 Mn in Q1 2014 growing by 88% q-o-q Net interest income improved on the back of balance sheet positioning Improved gains from investments in Q1 2014 Revenue Trends AED Mn +118% 244 112 +88% 130 182 218 133 63 -106 Q1 13 Q4 13 Q1 14 NFI NII 28

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