Tanfeeth Overview

Summary Emirates NBD Operating performance broadly stable with 1% y-o-y growth in operating profit to AED 5 billion in Q3 2012 YTD Top-line trends for Q3 2012 YTD encouraging with 4% y-o-y growth in total income to AED 7.7 billion in Q3 2012 YTD Operating expenses improved 2% q-o-q and will be managed to a longer term cost income ratio target of 33%-34% NPL formation and provisioning trends in line with expectations Capitalisation and liquidity continue to be extremely strong, offering resilience and flexibility for the future The outlook remains challenging but Emirates NBD has a clear strategy in place to take advantage of selected growth opportunities Emirates NBD 39

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