Emirates NBD Pitch Deck

Divisional Performance (cont'd) Wholesale Banking Global Markets & Treasury • • Wholesale Banking revenues declined 8% q-o-q but grew 10% y-o-y Loans dropped by 1% from end 2013 as normal loan repayments offset new underwriting Balance Sheet Trends AED Bn -1% 187.6 186.6 • Deposits grew by 7% from end 2013 Focus during 2014 was on enhancing customer service quality in key sectors, share of wallet, increased cross-sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration Revenue at AED 212 Mn in Q3-14 declined by 4% q- o-q but improved 83% y-o-y • Y-o-y growth due to robust increase in sales revenue and strong performance by Credit Trading desk. . In 2014 we continue to see higher income from investments Emirates NBD Revenue Trends AED Mn +10% 1,349 1,236 -8% 1,128 354 273 286 82.6 88.1 +7% 995 963 842 Q4 13 Q3 14 Q3 13 Q2 14 Q3 14 Loans Deposits NFI NII Revenue Trends AED Mn +83% 220 212 -4% 116 197 199 93 23 22 12 Q3 13 Q2 14 Q3 14 NFI NII 28

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