Q3-15 Financial Results Highlights

Divisional Performance (cont'd) Appendix Strategy Financial & Operating Performance Emirates NBD Profile Global Markets & Treasury Operating Environment Wholesale Banking Wholesale Banking revenues declined 3% y-o-y and 3% q-o-q Loans grew 4% from end 2014 • Deposits grew by 3% from end 2014 • Focus during 2015 is on enhancing customer service quality in key sectors, share of wallet, increased cross-sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration • Revenue declined 116% y-o-y primarily due to a realignment in internal transfer pricing adjustments Revenue declined 157% q-o-q on lower trading income due to recent volatility in global markets and seasonal effects Sales revenue grew on higher volumes in Interest Rate hedging products and FX Sales. This is expected to continue to grow as more corporate clients look to hedge their interest rate exposures on the expectation that global interest rates will rise Emirates NBD Balance Sheet Trends AED Bn +3% Revenue Trends AED Mn -3% +4% -3% 187.0 193.9 1,236 1,241 1,201 273 358 311 91.8 94.5 963 883 890 Q4 14 Q2 15 Q3 14 Q2 15 Q3 15 Loans Deposits NFI NII Revenue Trends AED Mn -116% 211 -157% 59 199 142 33 12 -84 -67 -34 Q3 14 Q2 15 Q3 15 NFI NII 24 24

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