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Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment 2015 Selected Awards DIGITAL BANK AWARD Emirates NBD BEST GLOBAL FINANCE ⚫ 2015 'Best Mobile Banking App' 'Best Consumer Digital Bank in MEA' 'Best in Mobile Banking' EUROMONEY 2015 'Award for Excellence 2015 Middle East' 'Best Private Bank in the UAE for Philanthropy and Social Impact Investing' THE ASIAN BANKER® SMART CARD & PAYMENTS Awards MIDDLE EAST 'Best Retail Bank in the Middle East and the UAE' 'Best Prepaid Program - Emirates Islamic' جائزة محمد بن راشد آل مكتوم للأعمال The Banker GLOBAL FINANCIAL INTELLIGENCE SINCE 1926 MOHAMMED BIN RASHID AL MAKTOUM BUSINESS AWARD AN INITIATIVE BY DUBAI CHAMBER OF COMMERCE & INDUSTRY 'Business Excellence Award' 'Bank of the Year UAE & Middle East - 2015' 'Top 25 Global Banks on Social Media' effie effectiveness index 'World's Top Financial Services Brand' BANKING&FINANCE WHOLESALE BANKING 15 AWARDS 'UAE Cash Management Bank of the Year' EUROMONEY BEST MANAGED COMPANIES 2015 'Best Managed Company in the Middle East by Sector (Banking & Finance)' emeafinance 'Best Financial Institution borrower 2014' 'Best Sukuk house' & 'Best Local Investment Bank' in UAE 'Most Innovative Bank' in Pan-Middle East FundSelectorAsia 'UAE Asset Manager of the Year' 29
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