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Investor Presentaiton

Financial & Operating Performance Emirates NBD Profile Operating Environment Appendix Strategy Emirates NBD at a glance A Leading Bank in the UAE Market share in UAE (at 30 Sep 2015): Assets c.16.1%; Loans c. 19.3% Deposits c.18.7% Retail market shares (estimated at 30 Sep 2015): - - - Personal loans c.14% Home loans c.4% Auto loans c.15% Credit cards c.18% - Debit cards c.24% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook M Baa1 P-2 Positive Moody's Fitch Ratings GCAPITAL A+ F1 Stable A A1 Positive intelligence Emirates NBD Largest Branch Network in the UAE Dubai 101 Ras al-Khaimah (5) Abu Dhabi 25 Sharjah 17 Umm al-Quwain (2). Other Emirates 12 Total 155 Ajman (2) Dubai (101) - Fujairah (3) Sharjah (17) Abu Dhabi (25) International Presence Branch ā— Rep office Egypt (64 branches) 6
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