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Investor Presentaiton

Profit and Balance Sheet Growth in Recent Years Emirates NBD Revenues and Costs (AED Bn) Profits (AED Bn) Revenues Costs Pre-Provision Operating Profits Net Profits +2% +4% -2% -1% 11.9 4.2 10.8 8.5 3.3 3.3 9.7 9.9 10.2 3.6 3.6 3.8 7.7 2.5 3.1 6.6 6.3 6.5 5.3 4.9 5.1 5.0 6.3 +27% 7.0 1.8 1.5 .9 1.9 2.3 1.2 2.3 0.3 2.6 2.3 +30% +12% 4.8 2.1 4.1 4.9 +35% 1.4 3.3 3.1 3.2 0.8 1.3 5.5 4.9 4.8 5.2 5.5 2.1 2.2 1.8 1.6 1.7 1.9 1.9 3.7 3.3 3.2 3.3 3.6 1.5 1.8 1.3 2009 2010 2011 2012 2013 H1 14 20092010201120122013 Hồ 14 2009 2010 2011 2012 2013 H1 14 Assets and Loans (AED Bn) Assets Loans 20092010201120122013 H1 14 Deposits and Equity (AED Bn) Deposits Equity +5% +3% +8% 342 348 +8% 282 286 285 308 238 242 215 196 203 218 240 253 200 214 35 181 193 26 26 28 29 31 35 2009 2010 2011 2012 2013 H1 2009 2010 2011 2012 2013 H1 14 14 37 2009 2010 2011 2012 2013 H1 2009 2010 2011 2012 2013 H1 14 14 Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles.; All P&L numbers are YTD, all Balance Sheet numbers are at end of period Source: Financial Statements 15
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