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Investor Presentaiton

Net Interest Income Emirates NBD Highlights NIMS were broadly stable in Q1 2014 vs. Q4 2013 and widened 36 bps from 2.39% in Q1 2013 to 2.75% in Q1 2014 • Loan spreads improved due to a rise in retail volumes coupled with increased margins from the Egyptian business Deposit spreads improved in Q1 2014 due to a growing CASA balance driving down the cost of funds. • Guidance for NIMS in 2014 in the range of 2.6% 2.5- Net Interest Margin (%) 2.63 2.83 2.76 2.75 2.63 2.47 2.48 2.45 2.56 2.42 2.39 2.35, 2.43 2.42 2.28 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13 Q3 13 Q4 13 Q1 14 Qtrly NIM YTD NIM Net Interest Margin Drivers (%) Q1 2014 vs. Q1 2013 Q1 2014 vs. Q4 2013 2.75 0.22 0.02 (0.14) 0.33 2.76 0.02 (0.02) 2.39 (0.05) (0.03) 2.75 Q1 13 Loan Deposit Treasury Other Spreads Spreads Spreads Q1 14 Q4 13 Loan Deposit Treasury Other Spreads Spreads Spreads Q1 14 17
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