Investor Presentaiton

Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED billion) Revenues Costs +5% +2% 10.8 9.9 9.7 10.2 3.6 3.7 3.4 3.5 3.1 8.4 Profits (AED billion) Pre-Provision Operating Profits 5.0 Emirates NBD Net Profits +7% -9% 7.1 3.7 6.6 6.3 6.5 3.3 2.5 2.6 2.3 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 Assets and Loans (AED billion) Assets Loans Deposits and Equity (AED billion) Deposits +7% +2% +1% 214 308 282 282 286 285 209 215 218 200 193 196 203 181 162 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 2008 2009 2010 2011 2012 Equity +12% 28 29 31 26 20 2008 2009 2010 2011 2012 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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