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Investor Presentaiton

Appendix Strategy Dubai Economic Update (1/3) Highlights Dubai's economy expanded 4.6% y/y in H1 2015, up from 4.0% in H1 2014. Wholesale & retail trade remains the largest sector in the economy, and expanded 5.3% in H1 2015. Transport, storage & communication rose 6.6% and retail and business services grew 4.5%. The Emirates NBD Dubai Economy Tracker indicates slower, but positive, growth in Dubai's non-oil private sector last year. The construction sector has showed robust levels of output and new orders expansion, while activity in the tourism & travel sector gained momentum in the last two months of 2015. 4.0 3.5 Financial & Operating Performance Emirates NBD Profile Operating Environment Emirates NBD Dubai Economy Tracker Emirates NBD 4 Dubai: Real GDP Growth, H1 2015 5.0 % y/y 4.5 3.8 4.7 4.0 3.0 3.0 2.7 2.5 H1 H1 H1 H1 H1 H1 2010 2011 2012 2013 2014 2015 Source: Dubai Statistics Centre, Emirates NBD Research 68 66 64 62 60 58 56 54 52 50 Dec-12 Key Sector Growth Rates, H1 2015 10 % y/y growth 8 6 4 8.5 6.6 6.6 2 5.3 4.5 3.1 0 May-13 Source: Markit / Emirates NBD, Emirates NBD Research Oct-13 Mar-14 Aug-14 Jan-15 Jun-15 Nov-15 Utilities 1.1 Hospitality Transport Trade Real Estate Manufacturing Construction Source: Dubai Statistics Centre, Emirates NBD Research 4.6
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