Investor Presentaiton

Divisional Performance (cont'd) Wholesale Banking Global Markets & Treasury Emirates NBD • • The decrease y-o-y and q-o-q is due to internal management adjustments for term funding and does not affect total Bank income Loans were broadly stable from end 2013 as new underwriting offset normal loan repayments Deposits grew by 8% from end 2013 Main focus during Q2-14 was on continued strategy evolution by building center of excellence around key sectors and geographic locations to enhance customer service quality and share of wallet, increased cross-sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration Balance Sheet Trends AED Bn 0% 187.6 186.7 Revenue Trends AED Mn -3% 1,136 1,146 1,097. --4% 337 331 354 82.6 88.8 +8% 799 815 743 Q4 13 Q2 14 Q2 13 Q1 14 Q2 14 Loans Deposits NFI NII Revenue at AED 220 Mn in Q2-14 declined by 10% q- o-q but improved 111% y-o-y • Net interest income improved on the back of balance sheet positioning and hedging Improved gains from investments in Q2-14 Revenue Trends AED Mn +111% 244 220 -10% 104 182 197 178 63 22 -74 Q2 13 Q1 14 Q2 14 NFI NII 29 29

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