Q3-15 Financial Results Highlights

Emirates NBD Profile Appendix Strategy Financial & Operating Performance Operating Environment Loan Composition Total Gross Loans (AED 285 bn) Treasury/Other Retail 29 (10%) 1 (0%) 93 Corporate (33%) Corporate Loans (AED 93 bn) Cont. Trans. & com. 8% 5% Trade 15% Sovereign 117 (41%) Retail Loans (AED 29 bn) Others Overdrafts 5% Car Loans 14% 14% 46 (16%) Islamic* Personal 35% 14% 14% Credit Cards 5% Mortgages Time Loans RE 33% 8% Manuf. 2% Others** 15% 23% Per. - Corp. Serv. Fin Inst Islamic* Loans (AED 46 bn) Per. Retail 53% *Islamic loans net of deferred income; **Others include Agriculture and allied activities and Mining and quarrying Emirates NBD RE 14% Fin Inst 5% 7% Serv. 5% Others** 3% 4% Manuf. 6% 3% Trade Cont. Trans. & com. 22 22

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