Investor Presentaiton

UAE Banking Market Update Emirates NBD Highlights UAE Banking sector is the largest by assets in the GCC; sector is dominated by 23 local banks which account for more than 75% of banking assets; 28 foreign banks account for the remainder UAE Banking Sector Growth (AED billion) Banking Assets Nominal GDP 2,500 Loans & Advances Deposits 45% 40% 2,000 35% 1,500 30% 25% 20% 1,000 15% 10% 500 5% as 0 0% In the past couple of years the Central Bank of the UAE has sought to play a stronger role in the oversight and governance of the Banking Sector in the UAE This has resulted in a new regulatory regime with various regulations being considered covering areas such liquidity risk, large exposures and mortgage caps amongst others. AED Billion 321 2002 33 273 2003 36 387 2004 448 639 506 1,223 643 2006 859 758 954 1,056 2011 1,734 1,281 2012 1.877 1,411 2013 1.415 Composition of UAE Banking Market (AED billion) Loans 254 998 1,252 GCC Banking Market UAE(1) Banking Assets USD billion Deposits 229 1,024 1,253 Assets 352 1,608 KSA Qatar Kuwait 1,960 Bahrain(2) 49 Oman 57 ■ Emirates NBD Other Banks Source: UAE Central Bank Statistics as at Jul 2013, ENBD data as of Q3 2013. Loans and Assets presented gross of impairment allowances 180 243 Assets % GDP(3) y-o-y Growth % 509 132% 484 64% 120% 101% 154% 69% 1) Includes Foreign Banks; 2) Excludes Foreign Banks; 3) GDP data is for FY 2013 forecasted. Oman, Bahrain, KSA as at Aug 2013, Kuwait, Qatar as at Sep 2013 and UAE as at Jul 2013 Source: UAE Central Bank; National Central Banks and Emirates NBD forecasts 6

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