Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Funding and Liquidity Highlights • • • AD ratio of 94.2% within 90-100% management target range Liquid assets* of AED 55.0 Bn as at end 2015 (15.5% of total liabilities) Debt & Sukuk term funding represent 10% of total liabilities In 2015, maturity profile extended thanks to AED 10.6 Bn issuance through: - Public Issuance of AED 4.7 Bn in 3 currencies and - Private Placements of AED 5.9 Bn in 8 currencies . Emirates NBD Advances to Deposit (AD) Ratio (%) 102.0 99.5 99.2 97.2 95.3 95.6 95.2 95.6 94.2 93.3 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Q4 15 Maturity profile affords Emirates NBD ability to consider public and private debt issues opportunistically Target range AD Ratio Composition of Liabilities/Debt Issued (%) Liabilities (AED 341.4 Bn) Debt/Sukuk (AED 35.0 Bn) Maturity Profile of Debt Issued (AED Bn) Customer deposits 84% Syn bank borrow. Banks 5% 1% Others 0% Debt/Sukuk 10% Loan secur. 1% 9,1 7,1 Sukuk 1% EMTNS 8% Maturity Profile of Debt/Sukuk Issued 100% = AED 35.0 Bn 5,2 3,0 4,6 3,6 1,6 0,6 0,1 0,1 2016 2017 2018 2019 2020 2022 2023 2024 2025 2026 *Including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 20 20

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