Investor Presentaiton

Emirates NBD Divisional Performance Wealth Management Retail Banking & Operating Environment Appendix Strategy Financial Operating Performance Emirates NBD Profile Islamic Banking • • • Retail loans grew 12% in 2015 due to growth in Auto Loans and Credit Cards whilst revenue grew 1% y-o-y due to a change in internal transfer pricing. Fee income grew 12% in 2015, driven by strong growth in foreign exchange remittances and credit cards. Fee income now accounts for 38% of total RBWM revenue. Liability mix further improved in 2015 as CASA balances grew by 2% The bank has improved its distribution capabilities as part of its channel optimization strategy and had 547 ATMs and 97 branches as at 31-Dec-15 RBWM offers an award winning 'best-in-class' digital banking solution with innovative services such as DirectRemit, Mobile Cheque Deposit and Smart Touch. Islamic Banking revenue grew 21% in 2015 on the back of growth in financing receivables and higher fee income from trade finance and insurance products Financing receivables grew 25% from end 2014 across a range of products Customer accounts increased by 25% from end 2014 As at 31-Dec-15, El had 60 branches and an ATM & CDM network of 190 Balance Sheet Trends AED Bn (0% Revenue Trends AED Mn +12% +1% 113.5 113.6 5,621 5,691 1,915 2,152 30.3 34.0 3,706 3,539 Balance Sheet Trends AED Bn AED Mn 2014 Loans 2015 2014 2015 Deposits NFI NII Revenue Trends +25% +21% +25% 39.3 2,415 34.9 31.5 1,993 740 27.9 591 1,675 1,403 2014 2015 2014 2015 Financing receivables NFI NII Customer accounts 23

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