Investor Presentaiton

Divisional Performance Wealth Management Consumer Banking & Wholesale Banking . Emirates NBD . . Continued focus on re-alignment to ensure enhanced future customer service quality and share of wallet, increased cross-sell of Treasury and Investment Banking products and increased Cash Management and Trade Finance penetration Revenue increased 7% y-o-y (from Q3 2012 YTD to Q3 2013 YTD) Loans rose by 6% from end of 2012 as new underwriting more than offset normal loan repayments Deposits grew by 2% from end of Q4 2012 Balance Sheet Trends AED billion +6% Revenue Trends AED million -7% 186.8 176.0 4,637 161.1 162.0 4,400 4,317 1,132 1,126 1,194 3,388 931 94.2 80.0 81.9 69.8 +2% 3,274 3,505 3,123 2,457 2010 2011 2012 Q3 13 Loans YTD Deposits 2010 2011 2012 Q3 13 YTD NFI NII CWM continued to improve its position during the quarter Revenue improved 13% y-o-y (from Q3 2012 YTD to Q3 2013 YTD) Deposits increased 7% from end 2012 Loans grew 20% from end 2012 driven by growth in mortgages, personal loans, credit cards and auto loans The bank has added 8 ATM machines since end 2012. Branch count has been maintained as we promote our channel optimization strategy Balance Sheet Trends AED billion +20% 93.6 87.9 75.4 66.1 24.3 19.1 18.8 20.2 Revenue Trends AED million +12% 4,385 3,918 +6% 3,716 3,322 1,246 1,006 1,120 940 2,912 3,139 2,382 2,596 2010 2011 2012 Q3 13 2010 2011 2012 Q3 13 YTD YTD Loans Deposits NFI NII 28

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