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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 31 Mar 2015): - Assets c.15.7%; Loans c.18.2% Deposits c.19.4% Retail market shares (estimated at 31 Mar 2015): Personal loans c.14% Home loans c.4% - Auto loans c.15% Credit cards c.17% Debit cards c.24% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, acquiring and cards processing merchant Credit Ratings Long Term Short Term Outlook M Baa1 P-2 Stable Moody's Fitch Ratings CCAPITAL A+ F1 Stable A A1 intelligence Stable Emirates NBD Largest Branch Network in the UAE Dubai 101 Ras al-Khaimah (5) Abu Dhabi 25 Sharjah 17 Other Emirates 11 Umm al-Quwain (2)- Total 154 Ajman (2)- Fujairah (2) Dubai (101) Abu Dhabi (25) International Presence Branch Rep office Egypt (61 branches) Sharjah (17) Conventional 98 Islamic Total 56 154 9
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