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Investor Presentaiton

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Dubai Economic Overview (1/3) Highlights Highly diversified economy and key contributor to UAE's non-oil sector growth. Limited impact from oil price decline: 2014 growth forecast retained at 5.0% and 2015 forecast revised slightly down to 4.7% (from 5%). and Transport, logistics, manufacturing, construction financial services are expected to be key growth drivers for Dubai in 2015. Growth also expected to be underpinned by investment in infrastructure ahead of Expo 2020, as well as improving external conditions. % y/y -4% Composition of Dubai GDP Dubai GDP by Sector (%) - 2013 Other 5% Hosp. 5% Financial Trade servcs. 29% 11% Transport, comm. 15% Manuf. 14% Constr. & RE 21% Source: Dubai Statistics Centre, Emirates NBD Research % y/y Dubai: Real GDP growth Emirates NBD 6% 5.0% 4.6% 4.7% 4.1% 3.5% 3.5% 4% 3.0% 2% 0% -2% -4.3% -6% 2008 2009 2010 2011 2012 2013 2014f 2015f Source: Dubai Statistics Centre, Emirates NBD Research Dubai's Fastest Growing Sectors Manuf Fin. Serv. Trans. & Comm. Hospitality Trade Constr. & RE 25050525 15 10 -5 -10 -15 -20 2010 2011 2012 2013 Source: Dubai Statistics Centre, Emirates NBD Research 4
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