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Investor Presentaiton

Funding and Liquidity Highlights AD ratio of 95.6% within 90-100% management target range Liquid assets* of AED 50.3 Bn as at Q1-15 (15.7% of total liabilities) Maturity Profile of Debt Issued significantly extended in Q1 2015 thanks to, - - Issue of AUD 450 Mn 7-year notes Issue of EUR 550 Mn 7-year notes Issue of over USD 430 Mn of private placements in 6 currencies Modest maturity profile affords Emirates NBD ability to consider public and private debt issues opportunistically Debt and Sukuk issuance now represent 10% of total liabilities Financial & Operating Performance Emirates NBD Profile Operating Environment Appendix Strategy Emirates NBD Advances to Deposit (AD) Ratio (%) 98.1 105.1 102.0 99.5 99.2 95.3 95.6 95.2 95.6 Q4 10 Q4 11 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Target range AD Ratio Composition of Liabilities/Debt Issued (%) Liabilities (AED 321.3 Bn) Debt/Sukuk (AED 34 Bn) Maturity Profile of Debt Issued (AED Bn) Maturity Profile of Debt/Sukuk Issued 100% AED 34 Bn Customer deposits 81% Banks 5% Syn bank borrow. 1% Loan secur. 1% 6,1 6,1 Others 4% Debt/Sukuk 10% 5,2 5,4 4,7 3,0 2,4 EMTNS 7% 0,6 0,2 0,1 0,1 Sukuk 1% 2015 2016 2017 2018 2019 2020 2022 2023 2024 2025 2026 *including cash and deposits with Central Banks but excluding interbank balances and liquid investment securities 19

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