Investor Presentaiton

Divisional Performance Wealth Management Retail Banking & Islamic Banking . RBWM continued to improve its position during the quarter Revenue improved 1% q-o-q and 10% y-o-y Deposits grew 7% from end 2013, driven mainly by CASA growth Loans grew 5% from end 2013 driven by growth in personal loans, credit cards and auto loans Emirates NBD AED Bn Balance Sheet Trends Revenue Trends AED Mn +10% +5% 108.6 101.1 1,388 1,406 +7% 1,277 +1% 446 468 388 The bank has improved its distribution as part of its channel optimization strategy and had and 99 branches as at Q2 27.4 28.8 524 ATMs 889 941 937 Q4 13 Loans Q2 14 Q2 13 Q1 14 Q2 14 Deposits NFI NII Islamic Banking revenue improved 18% q-o-q and 31% y-o-y to AED 496 Mn in Q2 Balance Sheet Trends AED Bn Revenue Trends AED Mn +8% • Financing receivables grew 8% in H1-14 +31% . Customer accounts declined by 2% in H1-14 due to a decrease in expensive wakala deposits At Q2-14, El had 53 branches and ATM & CDM network of 176 Islamic Banking business continues to develop through a strengthened core franchise coupled with an expansion of retail, SME, and corporate offerings 30.0 29.4 496 (-2% 25.8 1 420 1+18% 24.0 378 I 151 115 100 278 305 345 Q4 13 Q2 14 Financing receivables Customer accounts I Q2 13 Q1 14 Q2 14 NFI NII 28

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