Investor Presentaiton

Profit and Balance Sheet Growth in Recent Years 4.7 7.1 Revenues and Costs (AED billion) Revenue +20% 10.8 8.7 8.4 Costs Net Profits (AED billion) -6% +14% 3.0 3.7 3.3 3.8 3.0 3.4 3.0 2.7 1.8 7.5 7.4 2.3 2.5 2008 2007 2008 2009 2010311 YT 2008 2007 2008 2009 2010311 YT Assets and Loans (AED billion) Assets Loans +15% +12% 282 282 288 272 264 200 216 198 198 188 188 109 2.3 2.3 1.9 2008 2007 2008 2009 2010 Q311 YTD Deposits and Equity (AED billion) Deposits Equity!1) +17% 200 181 184 182 141 95 +16% 28 28 28 19 20 16 2008 2007 2008 2009 2010 Q311 2008 2007 2008 2009 2010 Q311 2008 2007 2008 2009 2010 Q311 YTD YTD YTD 2 9007 Anno AND 9mm 44 VT 1) Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles. Source: Financial Statements, Aggregation of Emirates Bank International and NBD results Emirates NBD 14

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