Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Funding and Liquidity Highlights AD ratio of 97.2% within 90-100% management target range Liquid assets of AED 50.5 Bn as at Q3-15 (14.8% of total liabilities) Debt & Sukuk term funding represent 11% of total liabilities Maturity Profile extended thanks to AED 9.5 Bn issuance in Q3-15 YTD through - Public Issuance of AED 4.7 Bn in 3 currencies and - Private Placements of AED 4.8 Bn in 8 currencies • Maturity profile affords Emirates NBD ability to consider public and private debt issues opportunistically Advances to Deposit (AD) Ratio (%) 105.1 102.0 99.5 Emirates NBD 99.2 97.2 95.3 95.6 95.2 95.6 93.3 Q4 11 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Target range AD Ratio Composition of Liabilities/Debt Issued (%) Liabilities (AED 341.5 Bn) Debt/Sukuk (AED 36.8 Bn) Banks 6% Syn bank borrow. 1% Maturity Profile of Debt Issued (AED Bn) Maturity Profile of Debt/Sukuk Issued 100% AED 36.8 Bn Customer deposits 79% Others 5% Loan secur. 1% 8,8 6,4 Debt/Sukuk 11% Sukuk EMTNS 7% 1% 1,0 5,1 3,0 *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 5,4 4,6 1,7 0,6 0,1 0,1 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025 2026 16

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