Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Emirates NBD is a leading banking group in the region and the largest bank in the UAE Emirates NBD Size Flagship • One of the largest financial institutions (by asset size) in the GCC Flagship bank for Dubai Government Ownership • 56% owned by Dubai Government Profitable Consistently profitable; despite significant headwinds during the global financial crisis Diversified offering Fully fledged, diversified financial services offering Geographic presence Growth • Ever increasing presence in the UAE, the GCC and globally • Well positioned to grow and deliver outstanding value to its shareholders, customers, and employees 8

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