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Investor Presentaiton

Capital Adequacy Highlights CAR and T1 improved by 0.5% and 0.4% q-o-q to 19.0% and 14.9% respectively resulting from: - - increase in Tier 1 capital through profit generation Ongoing issuance of Tier 2 private placements 1% reduction in RWAs, primarily market risk • Tier 1 Capital has now improved by 1.7% y-o-y from 13.2% to 14.9%. • To date we have repaid AED 7.8 billion of the AED 12.6 billion Ministry of Finance Tier 2 deposits. Capital Movements (AED billion) Capitalisation Emirates NBD 44.5 19.9 20.6 19.7 18.5 19.0 13.8 13.5' 14.5 14.9 13.2 45.0 43.2 42.8 43.6 14.9 14.9 13.8 9.2 9.4 29.6 30.1 29.4 33.6 34.2 Q3 12 Q4 12 Q1 13 T2 T1 T1 % Q2 13 CAR % Q3 13 Risk Weighted Assets - Basel II (AED billion) 31 Dec 2012 to 30 Sep 2013 Tier 1 Tier 2 Capital as at 31 Dec 2012 30.1 14.9 Total 45.0 +2% Net profits generated 2.4 2.4 FY 2012 dividend paid (1.4) (1.4) 224.2 14.0 2.6 218.1 13.8-2.3 219.7 13.8 3.6 231.1 13.8 3.4 13.8 2.31 229.8 ... -1% Tier 1 issuance 3.7 3.7 Repayment of Tier 2 (6.2) (6.2) 207.6 202.0 202.3 213.9 213.6 Amortization of MOF T2/ (1.1) (1.1) subordinated debt Interest on T1 securities (0.1) (0.1) Tier 2 issuance 3.1 3.1 Q3 12 Repayment of subordinated debt (1.3) (1.3) Q4 12 Operational Risk Q1 13 Market Risk Q2 13 Q3 13 Credit Risk Other (0.5) (0.5) Capital as at 30 Sep 2013 34.2 9.4 43.6 22 22
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