Investor Presentaiton

Divisional Performance (cont'd) Wholesale Banking Operating Environment Appendix Strategy Financial & Operating Performance Emirates NBD Profile Global Markets & Treasury • Emirates NBD Wholesale Banking revenues improved 2% in 2015 due to asset growth and higher fee income Loans grew 7% from end 2014 Deposits grew by 16% from end 2014 due to an increased focus on building liquidity throughout the year Focus during 2015 was on enhancing customer service quality in key sectors, share of wallet, increased cross-sell of Treasury and Investment Banking products and larger Cash Management and Trade Finance penetration Balance Sheet Trends AED Bn 187.0 +16% +7% 200.8 Revenue Trends AED Mn +2% 4,816 4,928 1,306 1,317 106.7 91.8 3,510 3,611 Revenue declined 76% in 2015 primarily due to a realignment in internal transfer pricing adjustments Sales revenue grew 16% in 2015 on the back of higher volumes in Interest Rate hedging products and FX Sales 2014 2015 2014 2015 Loans Deposits NFI NII Revenue Trends AED Mn -76% 835 200 691 476 144 -276 2014 2015 NFI NII 24

View entire presentation