Investor Presentaiton

Acquisition of BNP Paribas Egypt Business Overview Emirates NBD Business Overview Full service commercial banking platform: - - - Corporate Banking: focused on large corporate and MNCs; serves c.3,000 clients Retail Banking: High growth segment; serves c.195,000 clients Treasury: AUMs of c. USD 800m; serves c.670 clients • Wide presence in Egypt through an extensive network of 69 branches and 161 ATMs; rolled out 59 branches in the last 6 years Financially sound with robust profitability and a healthy balance sheet Financial Highlights AED million Dec 2011 Dec 2012 Net interest income Non-interest income 290 322 191 143 Total income 481 465 Operating expenses (301) (261) Pre-impairment operating profit 180 204 Impairment allowances (18) (23) Operating profit 162 181 Tax (29) (26) Net Profit 133 155 Cost to Income ratio 62.5% 56.1% Net interest margin 3.5% 3.9% AED billion Dec 2011 Dec 2012 Segment Breakdown Loans 4.0 3.5 Deposits 7.7 7.6 Gross Loans Deposits 100% = AED 3.5 billion 100% AED 7.6 billion NPL Ratio 4.6% 3.8% NPL Coverage ratio 116% 128% 64% Corporate Retail 36% Corporate 51% 49% Retail 26 26

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