Investor Presentation August/September 2009

Emirates NBD is the Largest Bank in the UAE and GCC by Assets UAE Ranking by Assets (US$ billion) UAE Ranking by Equity (US$ billion) UAE Ranking by Profits (US$ million)(2) Emirates NBD 76.8 Emirates NBD 8.5(1) Emirates NBD 575 NBAD 49.3 First Gulf Bank 5.7 NBAD 457 ADCB 42.1 ADCB 5.4 First Gulf Bank 415 First Gulf Bank 32.3 NBAD 5.2 Mashreq 264 Mashreq 26.3 Mashreq 3.0 DIB 224 DIB 23.9 DIB 2.4 ADCB 179 UNB 19.3 UNB 2.2 UNB 157 ADIB 15.8 ADIB 1.5 CBD 137 CBD 9.9 CBD 1.4 ADIB 117 GCC Ranking by Assets (US$ billion) GCC Ranking by Equity (US$ billion) GCC Ranking by Profits (US$ million) (2) Emirates NBD 76.8 Emirates NBD 8.5(1) Al Rajhi Bank 934 Nat. Comm. Bank 68.5 Al Rajhi Bank 7.3 SAMBA 671 NBAD 49.3 Nat. Comm. Bank 7.2 Nat. Comm. Bank 606 SAMBA 47.2 Riyad Bank 7.1 Emirates NBD 575 Al Rajhi Bank 46.1 First Gulf Bank 5.7 Qatar National Bank 558 Riyad Bank 46.1 Nat. Bank of Kuwait 5.6 NBAD 457 Nat. Bank of Kuwait 42.1 ADCB 5.4 Nat. Bank of Kuwait 435 ADCB 42.1 SAMBA 5.2 First Gulf Bank 415 Qatar National Bank 40.4 NBAD 5.2 Arab National Bank 384 Kuwait Finance House 37.6 Qatar National Bank 4.9 Saudi British Bank 383 1) Emirates NBD's Tangible Shareholder's Equity is US$ 6.8b 2) Profits half year ended 30th June 2009 UAE KSA Kuwait Qatar Bahrain Source: Bank Financial Statements, 30th June 2009 Emirates NBD 6

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