Investor Presentaiton

Summary Profitability Emirates NBD • Pre-impairment operating profit improved 18% q-o-q to AED 2,283 Mn in Q1 2014 • Net profit of AED 1,042 Mn improved 55% q-o-q Provisions • Conservative provisioning with net impairment allowances of AED 1,267 Mn in Q1 2014 Income • Total income improved 5% q-o-q to AED 3,333 Mn in Q1 2014 • NIMS broadly stable at 2.75% in Q1 2014 Net Interest Margin • Cost to Income ratio improved by 7.3% q-o-q to 31.5% in Q1 2014 CI Ratio • NPL ratio improved by 0.1% to 13.8% q-o-q in Q1 2014 Credit Quality Capitalisation and Liquidity Outlook • Coverage ratio improved by 3.2% q-o-q to 60.7% Capitalisation and liquidity extremely strong offering resilience for the future • Tier 1 ratio improved by 1.5% y-o-y to 15.0% in Q1 2014 The Bank will continue to implement its successful strategy and take advantage of the positive growth opportunity in Dubai and the region 36

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