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Investor Presentaiton

UAE Economic Update Emirates NBD Highlights • Estimated GDP growth in 2012 at 3.7% on increased oil production and strong non-oil sector growth The UAE's PMI data was encouraging, with the overall index rising to the highest level since May 2011; domestic demand gained momentum in Q4 2012 Growth of 3.8% expected in 2013, with Abu Dhabi growth expected to slow slightly in 2013 due to stabilization in oil production however offset by a 5% expansion in non-oil sectors; Dubai growth expected to accelerate to 3.9% in 2013 as manufacturing, tourism and hospitality continue to benefit from regional demand Regional demand, buoyed by strong government spending in Saudi Arabia, Qatar and Oman expected to have a positive knock-on impact on UAE's economy Oil production trends Real GDP Growth Forecasts 2009 UAE UK Eurozone India 2008 3.2% (2.4%) 2.8% (1.1%) (4.9%) 1.4% 0.4% (4.1%) 1.7% 8.2% 6.4% 8.9% 2010 2011E 3.4% 1.0% 0.0% 1.5% 7.5% 5.3% 3.8% 0.7% (0.5%) 0.0% 2012F 2013F 3.7% 5.5% US China (0.3%) (3.5%) 3.0% 9.6% 9.2% 10.3% 9.0% 1.5% 1.5% 2.0% 8.0% 7.5% Japan (1.1%) (6.3%) 4.0% 0.0% 2.0% 1.0% Singapore 1.8% (0.9%) 14.9% 5.0% 1.4% 3.0% 4.9% 1.5% 3.7% Hong Kong 2.1% (2.5%) 6.8% Source: Global Insight, Emirates NBD forecasts, Bloomberg UAE PMI - Private Sector Expansion Trends 2.7 2.6 2.5 2.4 2.3 mn bpd 2.2 2.1 Dec-10 Feb-11 Apr-11 Jun-11 * Aug-11 Oct-11 Dec-11 Feb-12 UAE Oil Production (lhs) Source: Bloomberg, Emirates NBD Research OPEC oil price (rhs) Apr-12 Jun-12 Aug-12 Oct-12 Dec-12 140 120 100 ༈ ༄ ༅ ྂ 8༠ USD per barrel 40 bps 45 50 55 60 Jan-10 Mar-10 May-10 Jul-10 Sep-10 Source: HSBC, Markit Nov-10 Jan-11 Mar-11 May-11 Jul-11 Sep-11 Nov-11 Jan-12 Mar-12 May-12 Jul-12 Sep-12 Nov-12 4
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