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Investor Presentaiton

Emirates NBD Profile Operating Environment Strategy Financial & Operating Performance Appendix Real GDP growth forecasts UAE Economic Update Highlights 2015 real GDP growth estimated at 4.0%. Oil production rose 4.1% according to Bloomberg estimates, offsetting slower growth in the non-oil sectors of the economy. UAE's PMI averaged 56.0 in 2015, down from 58.1 in 2014, signaling slower non-oil private sector growth. A strong USD, low oil prices and greater uncertainty about geopolitics and the economic outlook all contributed to weaker growth in the UAE's non-oil, service oriented sectors. Inflation averaged 4.0% in 2015, up from 2.3% in 2014. We expect inflation to average 3.5% in 2016 as lower housing costs are captured in the official data. Qatar Kuwait Oman Jordan Lebanon Tunisia UAE oil production 3.0 2.9 mn bpd 2.8 € 2.7 2.6 Emirates NBD 3 2013 2014 2015 2016F 2017F S. Arabia UAE 2.7 3.5 3.4 1.9 2.6 4.3 4.6 4.0 3.0 3.4 4.6 4.0 3.8 4.1 5.2 0.6 0.1 0.5 2.0 2.8 4.6 2.5 3.4 2.9 3.0 Bahrain 5.3 4.5 3.1 2.8 3.9 GCC (average) 3.2 3.4 3.4 2.6 3.2 Egypt 7.4 2.2 4.2 3.9 5.0 2.8 3.1 2.5 3.0 3.5 3.0 1.8 2.0 2.2 2.5 2.9 2.7 0.6 2.5 3.0 Morocco 4.4 2.0 4.4 2.1 4.8 MENA (average) 5.7 2.2 3.7 3.2 4.5 Source: Bloomberg, Emirates NBD Research UAE PMI - Non oil private sector activity 62 60 58 56 54 52 2.5 Jan-14 Apr-14 Jul-14 Oct-14 Jan-15 Apr-15 Jul-15 Source: Bloomberg, Emirates NBD Research 50 Dec-12 May-13 Oct-13 Mar-14 Aug-14 Jan-15 Jun-15 Nov-15 Source: Markit / Emirates NBD
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