Investor Presentaiton

2012 Strategic Imperatives Emirates NBD 1 Optimise Balance Sheet and Capital allocation 2012 Objectives • Maintain headline LTD ratio within revised 95% 105% target range - • Continue to focus on liabilities growth • including CASA and long term FDs Target raising medium - long term funding at acceptable pricing • Increase lending activity to select sectors i.e. consumer finance, mid corporate & SME, and large corporate sector in Dubai and Abu Dhabi • Continue to streamline and consolidate subsidiaries and decide on further divestment opportunities Evidence of Success • Headline LTD ratio of 102% at end-2012 from 105% during end-2011 Strong CASA growth of 15% or AED 12 billion during 2012, particularly in Retail banking also through widely marketed "Deposit Carnival" launch Group wide CASA:FD portfolio mix a healthy 43:57 at end-2012 compared with 41:59 and 31:69 at end-2011 and end-2010 respectively • Raised AED 14.9 billion medium - long term funding at attractive pricing • Consolidated Private Banking, Asset Management and brokerage under a newly created "Wealth Management" unit to realise further synergies and cross-fertilise between the units 31

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