Investor Presentaiton

Financial & Operating Performance Emirates NBD Profile Operating Environment Appendix Strategy Summary FY 2015 financial results highlights FY 2015 Net profit AED 7.1 Bn • Improved 39% y-o-y Profitability Net interest margin 2.85% Emirates NBD Comments 2016 macro themes Global Emirates NBD's balance sheet is positioned to benefit from rising interest • Regional Regional growth opportunities Infrastructure spending Cost-to-income 31.0% • Within 33% management range ratio Provisions AED 3.4 Bn Credit NPL ratio Quality 7.1% Coverage ratio 111.5% Capital & Tier 1 ratio 18.0% Liquidity . AD ratio 94.2% • Improved 32% y-o-y as cost of risk continues to normalise and provisioning declined for the 6th consecutive quarter Helped by over AED 2 billion of write-backs and recoveries Within management range; improved 1% y-o-y despite tighter market liquidity conditions demonstrating strong bank liquidity Opportunity Risk rates Recovering US economy may promote confidence in global market Slowdown in global growth especially big economies such as EU and China may have negative global impact • Sustained low oil price may impact investors' confidence in the GCC market Uncertain geopolitics More cautious fiscal stance 25 25

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