Investor Presentaiton

Appendix Strategy Financial Operating Performance Emirates NBD Profile Operating Environment Emirates NBD Loan and Deposit Trends Highlights . Gross loans grew 10% since end 2014 with strong growth in Retail and Islamic banking Islamic financing grew 27% since end 2014 • Consumer lending grew 12% since end 2014, mainly due to auto loans and credit cards • • Deposits increased 7% q-o-q and 11% from end 2014 CASA balances declined 2% q-o-q as we prudently locked in time deposits during Q4 in the run up to year-end CASA deposits grew 6% since end 2014 and represent 56% of total deposits, up from 43% at end 2012 Trend in Gross Loans by Type (AED Bn) +10% +3% 294 279 285 272 259 262 265 267 271 235 216 195 196 197 200 201 202 207 209 215 166 178 22 28 29 29 33 27 27 28 29 29 30 22 28 33 36 36 38 39 38 40 43 46 48 -1 0- Q4 11 Q4 12 Q4 13 Q1 14 Corporate Q2 14 Q3 14 Q4 14 Consumer Islamic* Q1 15 Q2 15 Q3 15 Treasury/Other Q4 15 Trend in Deposits by Type (AED Bn) +11% * Gross Islamic Financing Net of Deferred Income 287 +7% 274 252 253 250 258 260 269 240 6 214 10 6 5 107 105 97 103 99 110 99 121 110 122 127 141 144 148 151 157 159 164 160 91 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Q4 15 Other Time CASA 21 21

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