Investor Presentaiton

Divisional Performance Wholesale Banking Consumer Banking & Wealth Management • • . • Key focus during 2012 was on continued strategy re- alignment to ensure enhanced future customer service quality and share of wallet, increased cross- sell of Treasury and Investment Banking income and increased Cash Management and Trade Finance penetration Revenue declined 8% y-o-y resulting from net interest margin variability Loans rose by 9% from end-2011 as new underwriting more than offset normal loan repayments • Deposits grew by 15% from end-2011 CWM continued to improve its position during the quarter Revenue improved 12% y-o-y Deposits grew 17% from end-2011 Loans grew 7% from end-2011 driven by growth in personal loans, credit cards and the SME segment Channel optimisation strategy being pursued to enhance efficiency, resulting in a net reduction of 12 branches and 74 ATMs during 2012 to 100 and 556 respectively Balance Sheet Trends AED billion +9% 172.4 176.0 158.2 161.1 162.0 94.2 83.2 80.0 73.8 69.8 Emirates NBD Revenue Trends AED million -8% 4,835 4,637 4,400 4,280 3,648 1,248 1,126 1,132 1,157 1,008 3,587 +15% 3,274 3,505 2,640 3,122 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 Loans Deposits NFI NII Balance Sheet Trends AED billion Revenue Trends AED million +7% 87.9 75.4 66.1 54.4 45.3 26.0 22.2 19.1 18.8 20.2 +12% 4,376 3,918 3,387 3,322 1,238 +17% 3,012 1,005 790 940 790 2,222 2,597 2,912 3,138 2,382 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 Loans Deposits NFI NII 27

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