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Investor Presentaiton

y-o-y % change -40% -60% Jan-07 Dubai Economic Update (cont) Highlights Dubai property prices continued to inch up in 2012 • After dropping an average of 31% in 2009 (-36% for villas and -27% for apartments), property prices have grown at an average of 13% in 2012 (+18% for villas and +8% for apartments) • In Jan 2013, the trend continued with average prices up by 27% y-o-y (+32% for villas and +21% for apartments) • ENBD Share Price up 30% in 2013 since end - 2012 Dubai Property Prices y-o-y % change Price per sq ft (In AED) Dubai Property Prices (in AED) 1700 1500 1300 Mid range villa 1100 900 700 500 Jan-06 May-06 Sep-06 Jan-07 May-07 Sep-07 Jan-08 May-08 Sep-08 Source: Cluttons, Bloomberg ENBD Share Price Mid range apartment Jan-09 May-09 May-09 Sep-09 Sep-09 Jan-10 Jan-10 May-10 May-10 Sep-1 Jan-11 Jan-1 May-11 Sep-11 May-11 60% Mid range villa Mid range apartment 40% 20% 0% -20% May-07 Sep-07 Jan-08 Source: Cluttons, Bloomberg May-08 Sep-08 Jan-09 May-09 Sep-09 Jan-10 May-10 Sep-10 Jan-11 May-11 Sep-11 Jan-12 May-12 Sep-12 Jan-13 ENBD Price (in AED) 4.0 3.8 3.6 3.4 3.2 3.0 2.8 2.6 2.4 2.2 2.0 Jan-12 Feb-12 Mar-12 Source: Bloomberg Apr-12 May-12 Jun-12 Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12 Jan-13 Feb-13 . 8 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 ENBD Volume (Mns) Jan-12 May-12 Sep-12 Jan-13 Emirates NBD
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