Investor Presentaiton

Egyptian Business Overview Highlights Financials Emirates NBD Full service commercial banking platform: Corporate Banking: focused on large corporate and MNCs; serves c.4,000 clients Retail Banking: High growth segment; serves c.246,000 clients • Wide presence in Egypt through 72 branches and 184 ATMs Financially sound with robust profitability and a healthy balance sheet AED Mn Net interest income Year 2013 (from 9-June-13) Q1 2014 225 111 Non-interest income 133 51 Total income 358 161 Operating expenses (193) (79) Pre-impairment operating profit 165 82 Impairment allowances (22) (5) Operating profit 143 78 Net Loans Deposits 100% = AED 3.8 Bn 100% AED 9.8 Bn Taxation charge (30) Net profit 113 Other 1% 25 (26) 52 AED Bn 31-Dec-13 31-Mar-2014 Retail 36% Net Loans 3.7 3.8 Time 48% 51% CASA 64% Deposits 9.0 9.8 Impaired Loan Ratio (%) 0.2% 0.2% Corporate Cost to Income Ratio (%) 53.8% 48.9% 26

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