Emirates NBD Pitch Deck

Profit and Balance Sheet Growth in Recent Years Revenues and Costs (AED Bn) Revenues Costs Profits (AED Bn) Emirates NBD Pre-Provision Operating Profits Net Profits +2% +4% +2% 11.9 +25% 4.2 +35% -1% 7.7 7.7 +51% 10.8 9.7 9.9 10.2 10.9 3.9 3.6 3.6 3.8 7.1 3.2 +8% 6.6 2.5 3.1 2.3 2.5 2.5 0.9 0.8 1.0 1.0 1.2 3.2 6.3 6.5 3.3 3.3 1.5 2.0 1.5 1.4 1.6 0.2 2.3 2.5 2.6 0.7 0.4 0.2 0.6 8.3 7.5 7.4 7.7 8.7 2.7 2.4 2.6 2.8 3.0 5.6 5.1 4.9 4.9 5.7 3.2 1.9 2.3 2.6 1.9 2009 2010 2011 2012 2013 Q3 14 YTD 2009 2010 2011 2012 2013 Q3 14 YTD 2009 2010 2011 2012 2013 Q3 14 YTD 2009 2010 2011 2012 2013 Q3 14 YTD Assets and Loans (AED Bn) Assets +5% Loans Deposits and Equity (AED Bn) Deposits Equity +3% +7% 342 354 282 286 285 308 215 196 203 218 238 248 240 250 +9% 181 200 193 214 40 26 28 29 334 29 35 31 2009 2010 2011 2012 2013 Q3 14 2009 2010 2011 2012 2013 Q3 14 2009 2010 2011 2012 2013 Q3 14 2009 2010 2011 2012 2013 YTD YTD YTD Q3 14 YTD Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles.; All P&L numbers are YTD, all Balance Sheet numbers are at end of period Source: Financial Statements 14

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