2013 Awards and Strategic Priorities

Net Interest Income Highlights NIM declined by 8 bps from 2.47% in Q4 2012 to 2.39% in Q1 2013 resulting in a decrease in net interest income to AED 1,748 million • Q1 2013 NIM decline is driven mainly by lower spreads in treasury and loans partly offset by increase in deposit spreads Net Interest Margin (%) 2.96 2.85 2.69 2.63 2.63 2.53 2.41 2.47 Net Interest Margin Drivers (%) 2.28 Emirates NBD Qtrly NIM YTD NIM 2.45 2.47 2.42 2.39 2.43 2.39 2.35 T Q1 11 Q2 11 Q3 11 Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q3 2012 to Q1 2013 0.04 0.02 2.47 0.04 0.02 0.04 0.04 0.04 0.12 2.35 2.39 Q3 2012 Loan Deposit Treasury Other Spreads Spreads Spreads Q4 2012 Loan Deposit Treasury Other Spreads Spreads Spreads Q1 2013 17

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