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Investor Presentaiton

Appendix Strategy Financial & Operating Performance Price per sq ft (In AED) 2500 2000 1500 1000 500 0 Mar-06 Sep-06 Mar-07 Sep-07 Mar-08 Sep-08 Mar-09 Sep-09 - Mid range villa Mid range apt High end villa Source: Cluttons via Bloomberg, Emirates NBD Research Mar-10 Sep-10 Mar-11 Emirates NBD Profile Operating Environment Dubai Economic Overview (3/3) Highlights Higher transaction fees and mortgage caps implemented in 2014 have helped to cool the market. Residential real estate prices continue to ease, but on low volumes, particularly in the villa sector. Mid-range villa prices declined -10.7% y/y in March 2015, with high-end villas down -3.8% y/y. • Medium term outlook is balanced, with growth prospects in the 'affordable housing' sector. • Commercial property prices have stabilized, with price per square foot unchanged over the last three quarters. Dubai Residential Property Prices Sep-11 Mar-12 Sep-12 Mar-13 Sep-13 Mar-14 Sep-14 Mar-15 Lease rates per sq ft (In AED) 500 450 400 350 300 250 200 150 100 50 Mar-06 Sep-06 No. of licenses in '000s 130 110 Business Licenses Issued* 90 70 50 30 10 -10 -30 2010 2011 2012 2013 2014 ■New Licenses Renewed Cancelled Source: DSC, *Licenses issued by DED only (excludes Freezones) Dubai Commercial Property Lease Rates Low end apt Prime office Secondary office Source: Cluttons via Bloomberg, Emirates NBD Research Mar-07 Sep-07 Mar-08 Sep-08 Mar-09 Sep-09 Mar-10 Sep-10 Mar-11 Sep-11 Mar-12 Sep-12 Mar-13 Sep-13 Mar-14 Sep-14 Mar-15 6 Emirates NBD
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