Investor Presentaiton

Emirates NBD at a glance A leading bank in UAE Market share in UAE (at 31 Mar 2014): Assets c. 16.9%; Loans c.20.4% - Deposits c.19.5% Retail market shares (estimated at 31 Mar 2014): Personal loans c.14% Home loans c.4% - Auto loans c.15% Credit cards c.16% Debit cards c.22% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook M Baa1* P-2 Stable Moody's Fitch Ratings CCAPITAL A+ F1 Stable** intelligence A A1 Stable*** Emirates NBD Largest Branch Network in the UAE Ras al-Khaimah (3) Dubai 101 Abu Dhabi 25 Umm al-Quwain (2) Sharjah Other 13 - Fujairah (2) 9 Ajman (2) Total 148 Dubai (101) Sharjah (13) Abu Dhabi (25) International Presence *LT debt ratings, standalone credit assessment and Bank Financial Strength Rating (BFSR) downgraded by one notch to Baa1/ba2/D+ from A3/ba1/D on 12 Dec 2012; **Viability Rating downgraded to 'bb+' from 'bbb'; removed from RWN on 26 Apr 2012;***reduced Financial Strength Rating (FSR) to 'BBB+' from 'A-' on 27 Nov 2012 Branch Rep office Egypt (72 branches) Conventional 98 Islamic Total 50 148 12

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