2013 Awards and Strategic Priorities

Consumer Banking & Wealth Management Wholesale Banking Divisional Performance Emirates NBD Continued focus on re-alignment to ensure enhanced future customer service quality and share of wallet, increased cross-sell of Treasury and Investment Banking products and increased Cash Management and Trade Finance penetration • Revenue declined 5% q-o-q and 5% y-o-y Loans rose by 8% from end of Q1 2012 as new underwriting more than offset normal loan repayments · Deposits grew by 10% from end of Q1 2012 Balance Sheet Trends AED billion Revenue Trends AED million +8% -5% 176.0 176.9 1,114 1,118 163.6 1,062. -5% 268 267 307 75.7 80.0 83.4 +10% 845 852 755 • CWM continued to improve its position during the quarter • Revenue improved 9% q-o-q and 6% y-o-y • Deposits grew 4% q-o-q and 11% from end- 2012 • Loans grew 4% q-o-q and 14% from end of Q1 2012 driven by growth in personal loans, credit cards and the SME segment • The bank has added 11 ATM machines during the period. Branch count has been maintained as we promote our channel optimization strategy Q1 12 Q4 12 Loans Q1 13 Deposits Q1 12 Q4 12 Q1 13 NFI NII Balance Sheet Trends AED billion Revenue Trends AED million +14% +6% 91.3 87.9 1,184 82.6 1,121 +11% 1,089 +9% 372 345 293 18.4 20.2 21.0 776 796 812 Q1 12 Q4 12 Q1 13 Q1 12 Q4 12 Q1 13 Loans Deposits NFI NII 26

View entire presentation