Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Capital Adequacy Emirates NBD Highlights Tier 1 ratio remained steady at 18% and CAR declined marginally by 0.1% to 20.9% • Increase in Capital due to retained earnings largely offset increase in RWAs Capitalisation 20.4 21.1 20.5 21.0 20.9 17.5 18.0 18.0 17.2 18.0 45.7 46.4 46.0 47.5 49.1 7.0 6.7 6.8 6.8 6.8 Increase in RWAs in Q3-15 due to growth in lending and treasury products 38.7 39.7 39.2 40.8 42.3 Capital Movements (AED Bn) Q4-14 to Q3-15 (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 Q3 14 Q4 14 T2 T1 Q1 15 -T1% Q2 15 Q3 15 CAR % Risk Weighted Assets - Basel II (AED Bn) Tier 1 Tier 2 Total +5% 39.7 6.7 46.4 5.0 - 5.0 (1.9) (1.9) 224.5 18.6 5.1 220.2 21.3 223.9 226.7 235.3 21.3 21.3 21.3 7.0 3.7 3.9 4.5 200.8 191.9 198.8 201.5 209.5 (0.4) 0.1 (0.4) 0.1 Q3 14 Q4 14 Q1 15 Q2 15 Other (0.1) 0.1 (0.0) Operational Risk Market Risk Q3 15 Credit Risk Capital as at 30-Sep-2015 40.8 6.8 49.1 21

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