Investor Presentaiton

Emirates NBD at a Glance " Largest Bank in UAE No.1 Market share in UAE (at 31 Dec 2011): Assets c.16%; Loans c.19% Deposits c.18% Retail market shares (estimated): Personal loans c.10% - Home loans c.7% ■ Auto loans (Originations c.12%; Book size c. 14%) Credit cards c.15% Debit cards c.20% Fully fledged financial services offerings across retail banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Credit Ratings Long Term Short Term Outlook A3 P-2 Negative Moody's Fitch Ratings CCAPITAL intelligence A+ F1 Stable* A+ A1 Negative *Individual Rating "c" and Viability rating of "bbb" on Rating Watch Negative Emirates NBD Largest Branch Network* in the UAE Dubai 112 Abu Dhabi 27 Sharjah 15 Umm al-Quwain (2) Other Emirates Total 12 Ajman (3) 166 Dubai (112) o Ras al-Khaimah (4) -Fujairah (3) Sharjah (15) Abu Dhabi (27) Conventional 112 Islamic Total 54 166 *Includes 21 branches added due to Dubai Bank acquisition International Presence Branch Rep office Proposed Rep office 11

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