Investor Presentaiton

Emirates NBD at a glance Largest bank in UAE No.1 Market share in UAE (at 31 Dec 2012): - Assets c.17.3%; Loans c.19.7% Deposits c.18.1% Retail market shares (estimated at 31 Dec 2012): Personal loans c.12% - Home loans c.6% Auto loans c.17% Credit cards c.15% - Debit cards c.22% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook Baa1* P-2 Negative Moody's A+ F1 Stable** Fitch Ratings CiCAPITAL intelligence A A1 Stable*** Emirates NBD Largest Branch Network in the UAE Ras al-Khaimah (3) Dubai 100 Abu Dhabi Sharjah Other 26 Umm al-Quwain (3). 14 Fujairah (2) 10 Total 150 Ajman (2)- Dubai (100) - Sharjah (14) Abu Dhabi (26) International Presence *LT debt ratings, standalone credit assessment and Bank Financial Strength Rating (BFSR) downgraded by one notch to Baa1/ba2/D+ from A3/ba1/D on 12 Dec 2012; **Viability Rating downgraded to 'bb+' from 'bbb'; removed from RWN on 26 Apr 2012;***reduced Financial Strength Rating (FSR) to 'BBB+' from 'A-' on 27 Nov 2012 Branch Conventional 100 Islamic Total 50 150 Rep office 12

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