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Investor Presentaiton

Outlook Emirates NBD The UAE economy proved relatively resilient to global and regional developments in 2011, with estimated GDP growth of 4.6% for the year on the back of higher oil production and improving trends in non-oil trade and tourism During Q1 2012 the UAE economy continued to display resiliency and modest growth with oil output rising 3.5% and modest private sector expansion, particularly in Dubai's traditional trade, logistics, tourism and retail sales sectors ■ For the remainder of 2012 the external environment remains challenging in the context of weaker expected global growth resulting from recessionary risks in the Eurozone, downgrades to US growth and an expected slowdown in Asia Nevertheless, the UAE remains well-positioned to enjoy modest GDP growth of 2.5% in 2012 underpinned by supportive fiscal policy Despite a cautious and uncertain outlook, Emirates NBD is resilient and well placed to take advantage of growth opportunities in selected areas Capitalisation and liquidity continue to be extremely strong, offering resilience and flexibility for the future O Significantly de-risked and strengthened balance sheet offers strong platform for capturing future growth opportunities O The Bank has a clear strategy in place and is focused on relentless execution Emirates NBD 38
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