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Investor Presentaiton

Emirates NBD at a glance A leading bank in UAE Market share in UAE (at 30 Jun 2014): Assets c.15.6%; Loans c.18.7% - Deposits c.18.1% Retail market shares (estimated at 30 Jun 2014): Personal loans c.14% Home loans c.4% - Auto loans c.15% Credit cards c.17% - Debit cards c.24% 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 M Baa1 P-2 Stable Moody's Fitch Ratings GCAPITAL A+ F1 Stable A A1 Stable intelligence Emirates NBD Largest Branch Network in the UAE Dubai 102 Ras al-Khaimah (3) Abu Dhabi 25 Sharjah 16 Umm al-Quwain (2). Other Emirates 9 Total 152 Ajman (2) Dubai (102) - Fujairah (2) Sharjah (16) Abu Dhabi (25) International Presence Branch ā— Rep office Egypt (72 branches) Conventional Islamic Total 99 53 152 12
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