Investor Presentaiton

Emirates NBD at a glance A leading bank in UAE Market share in UAE (at 30 Sep 2013): Assets c.18%; Loans c.20.3% - Deposits c.18.2% Retail market shares (estimated at 30 Jun 2013): Personal loans c.14% Home loans c.4% - Auto loans c.17% Credit cards c.15% Debit cards c.23% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook M Baa1* P-2 Negative Moody's Fitch Ratings CCAPITAL A+ F1 Stable** intelligence A A1 Stable*** Emirates NBD Largest Branch Network in the UAE Ras al-Khaimah (3) Dubai 100 Abu Dhabi 26 Umm al-Quwain (2) Sharjah Other 14 -Fujairah (3) 10 Ajman (2) Total 150 Dubai (100) Sharjah (14) Abu Dhabi (26) International Presence *LT debt ratings, standalone credit assessment and Bank Financial Strength Rating (BFSR) downgraded by one notch to Baa1/ba2/D+ from A3/ba1/D on 12 Dec 2012; **Viability Rating downgraded to 'bb+' from 'bbb'; removed from RWN on 26 Apr 2012;***reduced Financial Strength Rating (FSR) to 'BBB+' from 'A-' on 27 Nov 2012 Branch Rep office BNPP Egypt (69 branches) Conventional Islamic Total 100 50 150 12

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