Investor Presentaiton

Loan and Deposit Trends Emirates NBD Highlights Gross loans increased by 1% q-o-q in Q1 2014 • Consumer lending grew 3% q-o-q with growth spread across all areas including Personal Loans (2%), Mortgages (2%), Credit Cards (3%) and Auto Loans (4%). • Islamic financing grew 2% q-o-q • 11% CASA growth in Q1 2014 • More costly time deposits declined by 3% in Q1 2014 vs. end-2013 • CASA deposits as a percentage of total deposits have increased to 56% in Q1 2014 from 43% at the end of 2012 Trend in Gross Loans by Type (AED Bn) +10% +1% 259 262 250 254 238 189 191 195 196 181 23 26 27 28 29 34 35 35 36 36 -0- 0 -0 -0- 0 Q1 13 Q3 13 Consumer Q4 13 Q1 14 Islamic* Treasury Q2 13 Corporate Trend in Deposits by Type (AED Bn) *Gross Islamic Financing net of deferred income +13% 252 +5% 223 230 229 2 2 112 120 237 240 3 107 110 107 116 118 127 141 102' Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Other Time CASA 23 23

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