UAE Economic Update

Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED billion) Revenues Costs Profits (AED billion) Pre-Provision Operating Profits Emirates NBD Net Profits 10.8 3.7 7.1 3.3 9.7 9.9 10.2 3.6 3.5 6.6 6.3 6.5 3.1 2.5 2.6 2.3 2.1 8.2 7.2 7.7 7.5 2.6 2.7 2.2 2.7 5.5 4.9 4.9 4.7 1.1 1.2 1.9 2.6 0.9 1.7 0.8 -2% -4% -1% 1.3 1.1 1.4 +30% 2.6 2.6 2.3 2.7 2.6 0.9 0.9 0.8 0.9 0.9 1.7 1.7 1.4 1.7 1.7 0.8 0.6 2009 2010 2011 2012 Q1 2009 2010 2011 2012 Q1 2009 2010 2011 2012 Q1 2009 2010 2011 2012 Q1 2013 2013 2013 2013 Assets and Loans (AED billion) Assets Loans Deposits and Equity (AED billion) Deposits +3% +1% +5% 308 316 282 286 285 215 203 196 218 221 214 223 200 181 193 26 Equity +4% 28 28 29 31 30 2009 2010 2011 2012 Q1 2013 2009 2010 2011 2012 Q1 2013 2009 2010 2011 2012 Q1 2013 2009 2010 2011 2012 Q1 2013 15 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

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