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Investor Presentaiton

Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED billion) Revenues Costs Profits (AED billion) Pre-Provision Operating Profits Emirates NBD Net Profits 3.3 10.8 9.7 9.9 10.2 3.6 3.7 3.5 7.1 2.5 8.7 3.1 6.6 6.3 6.5 0.1 2.5 2.2 2.5 2.5 0.9 1.0 2.9 1.5 5.7 2.3 [+13% 1.0 1.5 0.8 +7% 1.4 1.6 0.2 2.6 2.6 +16% 0.4 0.7 +37% 8.3 7.5 7.4 7.7] 3.2 2.7 2.3 2.5 2.7 5.6 5.1 4.9 4.9 1.9 2.3 1.9 2009 2010 2011 2012Q3 13 2009 2010 2011 2012 Q3 13 YTD YTD 2009 2010 2011 2012 Q3 13 YTD 2009 2010 2011 2012Q3 13 YTD Assets and Loans (AED billion) Assets Loans Deposits and Equity (AED billion) Deposits Equity +4% +2% +6% 332 +8% 282 286 285 308 215 234 196 203 218 181 200 193 214 229 35 26 28 29 31 55 2009 2010 2011 2012Q3 13 YTD 2009 2010 2011 2012 Q3 13 YTD 2009 2010 2011 2012 Q3 13 YTD 2009 2010 2011 2012 Q3 13 YTD 15 Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles.; All P&L numbers are YTD, all Balance Sheet numbers are at end of period Source: Financial Statements
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