Investor Presentaiton

y-o-y % change -20% -40% -60% Jan-07 Source: Cluttons, Bloomberg 0% Dubai Economic Update (cont) Highlights Dubai property prices continued its upward trend in 2013 After dropping an average of 31% in 2009 compared to 2008 (-36% for villas and -27% for apartments), property prices have grown at an average of 39% year-to-date upto Sep-13 (+44% for villas and +35% for apartments) ENBD Share Price up 93% in Oct-13 since the beginning of 2013 60% Mid range villa Mid range apartment 40% 20% Price per sq ft (In AED) Dubai Property Prices y-o-y % change Source: Cluttons, Bloomberg ENBD Share Price May-07 Sep-07 Jan-08 May-08 Sep-08 Jan-09 May-09 Sep-09 Jan-10 May-10 Sep-10 Jan-11 May-11 Sep-11 Jan-12 May-12 Sep-12 Jan-13 May-13 Sep-13 ENBD Price (in AED) 6.5 6.0 5.5 5.0 4.5 4.0 3.5 3.0 2.5 2.0 Jan-11 Mar-11 May-11 Source: Bloomberg Jul-11 Sep-11 Nov-11- Jan-12 Mar-12- May-12- Jul-12 1300 1100 900 700 500 Dubai Property Prices (in AED) 1700 Mid range villa Mid range apartment 1500 Jan-06 Jun-06 Nov-06 Apr-07 Sep-07 Feb-08 Sep-12- Nov-12- Jan-13 Mar-13 May-13- Jul-13- Sep-13- Jul-08 Dec-08 May-09 Oct-09 Mar-10 Aug-10 Jan-11 Jun-11 16.0 M 14.0 12.0 10.0 8 2.0 8.0 6.0 4.0 ENBD Volume (Mns) Nov-11 Apr-12 Sep-12 Feb-13 Jul-13 Emirates NBD

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