Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Capital Adequacy Emirates NBD Highlights CAR decreased by 0.6% to 20.5% and Tier 1 ratio decreased by 0.5% to 17.5% in Q1-15 due to: — Annual dividend payment exceeding the quarterly retained profit Capitalisation 19.2 19.6 20.4 21.1 20.5 17.2 18.0 17.5 15.0 15.6 43.6 44.4 45.7 46.4 46.0 9.4 9.0 7.0 6.7 6.8 — Marginal increase in credit risk weighted assets 34.2 35.4 38.7 39.7 39.2 Capital Movements (AED Bn) Q4-14 to Q1-15 (AED Bn) Capital as at 31-Dec-2014 Net profits generated FY 2014 dividend paid Tier 1 Issuance/Repayment Tier 2 Issuance/Repayment Amortisation of Tier 2 Interest on T1 securities Goodwill Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 T2 T1 T1 % CAR % - Risk Weighted Assets – Basel II (AED Bn) -2% Tier 1 Tier 2 Total 39.7 6.7 46.4 227.6 226.5 224.5 220.2 223.9 +2% 1.7 1.7 14.9 18.6 2.4 2.7 18.6 -5.1 21.3 21.3 (1.9) (1.9) 7.0 3.7 210.2 205.1 200.8 191.9 198.8 (0.1) (0.1) 0.1 0.1 Q1 14 Other (0.1) 0.1 0.0 Q2 14 Operational Risk Q3 14 Q4 14 Market Risk Q1 15 Credit Risk Capital as at 31-Mar-2015 39.2 6.8 46.0 18

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