2013 Awards and Strategic Priorities

Funding and Liquidity Emirates NBD Highlights • Headline LTD ratio of 99% at Q1 2013 • The LTD ratio is being managed to the revised target range of c.95%-105% Loan to Deposit (LTD) Ratio (%) 107.0 105.1 LTD Ratio (%) 102.0 • Liquid assets* of AED 31.9 billion as at 31 March 2013 (11% of total liabilities) 99.9 99.2 98.9 97.9 • Issued AED 1.75 billion medium term debt during 2013 via private placements 96.3 • Raised AED 2.75 billion of Tier 2 notes in March 2013 • Repaid AED 1.3 billion Of subordinated debt • Repaid AED 3 billion to Ministry of Finance in April 2013 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Composition of Liabilities and Maturity of Debt Issued (AED million) Composition of Liabilities Debt/ Sukuk Issued Banks Others 5% 8% 8% Maturity Profile of Debt/Sukuk Issued 100% = = AED 21.3 billion 5,933 80% 2,536 2,397 1,191 1,540 3,065 2,901 1,552 26 200 Customer deposits 2013 2014 2015 2016 2017 2018 2019 2020 2022 2023 *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 23 23

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