Investor Presentaiton

Funding and Liquidity Emirates NBD Highlights Headline AD ratio improved to 95.3% at Q1 2014 helped by a growth in deposits of 5% Liquid assets* of AED 40.7 Bn as at Q1 2014 (13.3% of total liabilities) • Debt maturity profile comfortably within funding capabilities • Issued AED 932 Mn of term liabilities through private placements in Q1 2014 • Modest maturity profile affords Emirates NBD ability to consider public debt issues opportunistically Advances to Deposit (AD) Ratio (%) 102.0 102.5 100.6 99.9 ---99.2 98.9- 99.5 97.9 95.3 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Target range 90-100% AD Ratio (%) Composition of Liabilities/Debt Issued (%) Liabilities (AED 305.1 Bn) Debt/Sukuk (AED 22.9 Bn) Customer deposits 82% ■Banks 6% ■Syn bank borrow. 1% Loan secur. 1% ■ Others 4% Debt/Sukuk 8% ■ EMTNS 5% Maturity Profile of Debt Issued (AED Bn) Maturity Profile of Debt/Sukuk Issued 100% = AED 22.9 Bn 2.60 1.59 5.85 4.61 3.04 4.11 0.72 0.04 0.23 0.15 2014 2015 2016 2017 2018 2019 2020 2022 2023 ■Sukuk 1% 2024 *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 22 22

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