Investor Presentaiton

Capital Adequacy Emirates NBD Highlights CAR and T1 declined by 0.4% and 0.3% respectively 2014 to 19.2% and 15.0% respectively in Q1 resulting from: - decrease in Tier 1 capital due to 2013 dividend payment in Q1 2014 Capitalisation 19.7 18.5 19.0 19.6 19.2 13.5 14.5 14.9 15.3 15.0 43.3 42.8 43.6 44.7 43.6 13.7 9.2 9.4 9.9 9.4 decrease in Tier 2 capital due to amortisation of MoF T2 debt 29.6 33.6 34.2 34.8 34.2 - modest increase in risk weighted assets Tier 1 Capital Ratio has improved by 1.5% y-o-y from 13.5% to 15.0% Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 T2 T1 T1 % CAR % Capital Movements (AED Bn) Q4 2013 to Q1 2014 (AED Bn) Capital as at 31-Dec-2013 Net profits generated Risk Weighted Assets - Basel II (AED Bn) Tier 1 Tier 2 34.7 Total +4% 9.9 44.6 1.0 - 1.0 FY 2013 dividend paid (1.4) (1.4) 219.7 13.8 3.6 231.1 13.8 3.4 229.8 226.9 227.6 0% 13.8 2.3 14.9 2.81 14.9 2.4 Tier 1 Issuance Repayment of Tier 2 202.3 213.9 213.6 209.2 210.2 Amortisation of MOF T2 / sub debt (1.0) (1.0) Interest on T1 securities (0.1) (0.1) Tier 2 Issuance 0.1 0.1 Repayment of subordinated debt Q1 13 Q2 13 Q3 13 Q4 13 Goodwill Other 0.3 0.3 Operational Risk Market Risk Q1 14 Credit Risk Capital as at 31-Mar-2014 34.2 9.4 43.6 21

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