Investor Presentaiton

Islamic Banking Divisional Performance Retail Banking & Wealth Management Emirates NBD RBWM continued to improve its position during the quarter • Revenue improved 6% q-o-q and 13% y-o-y Deposits grew 7% from end 2013, driven mainly by CASA growth Loans grew 3% from end 2013 driven by growth in mortgages, personal loans, credit cards and auto loans • The bank has improved its distribution as part of its channel optimization strategy and had 528 ATMs and 98 branches as at Q1 2014 Balance Sheet Trends AED Bn Revenue Trends AED Mn +3% +13% 107.9 1,388 101.1 +7% 1,308 1,225 +6% 446 369 380 27.4 28.2 846 939 941 Q4 13 Q1 14 Loans Q1 13 Q4 13 Q1 14 Deposits NFI NII Islamic Banking business continues to develop through a strengthened core franchise coupled with an expansion of retail, SME, and corporate offerings Islamic Banking revenue improved 9% q-o-q and 30% y-o-y to AED 420 Mn in Q1 2014 (net of customers' share of profit) Financing receivables grew 2% in Q1 2014 • Customer accounts rose by 2% in Q1 2014 Balance Sheet Trends AED Bn Revenue Trends AED Mn +2% +30% 30.0 30.7 420 +2% 384 +9% 24.0 24.4 323 115 82 70 At Q1 2014, branches totaled 50 while the ATM & SDM network totaled 175 Q4 13 Q1 14 Financing receivables Q1 13 Q4 13 Q1 14 NFI NII Customer accounts 302 305 253 27

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