Investor Presentaiton

FY 2012 Financial Results Highlights Emirates NBD Highlights Net profit of AED 2,554 million, +3% vs. 2011 • Dividend of AED 0.25 per share declared, +25% vs. 2011 ⚫ Net interest income declined 5% to AED 6,912 million due to 26 bps reduction in the net interest margin Non-interest income improved by 24%; core fee income improved by 11% Costs increased by 5% y-o-y due to consolidation of Dubai Bank from Q3 2011 and integration costs incurred in Q4 2012; costs improved by 2% excluding these impacts Continued balance sheet de-risking and conservatism on provisioning resulted in net impairment allowances of AED 4,004 million • Net loans increased 7% since end-2011 Deposits increased 11% since end-2011 • Headline LTD ratio at 102% vs. 105% at end-2011 Key Performance Indicators AED million FY 2012 FY 2011 % Net interest income 6,912 7,258 -5% Non-interest income 3,300 2,672 +24% Total income 10,212 9,930 +3% Operating expenses (3,669) (3,508) +5% Amortisation of intangibles (80) (94) -15% Pre-impairment operating 6,463 6,328 +2% profit Impairment allowances (4,004) (4,978) -20% Operating profit 2,459 1,350 +82% Share of profits and impairment of associates 110 (654) -117% Gain on disposal of 1,813 -100% subsidiaries Taxation charge (15) (26) -41% 2,554 2,483 +3% 35.9% 35.3% +0.6% Net interest margin Dividend per share (AED) 2.43% 2.69% -0.26% 0.25 0.20 +25% 31-Dec-12 31-Dec-11 % 218.2 203.1 +7% 213.9 193.3 +11% 16 Net profit Cost: income ratio AED billion Loans Deposits

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