Investor Presentaiton

Emirates NBD Profile Operating Environment Emirates NBD delivered a solid set of results in 2015 amid a challenging environment FY 2015 at a glance FY 2015 VS. 2015 guidance Profitability Net profit AED 7.1 Bn +39% Net interest margin 2.85% 2.70 2.80% range Cost-to-income 31.0% ratio 33% management target Credit Quality NPL ratio 7.1% Coverage ratio 111.5% 100-110% target range Capital & Tier 1 ratio Appendix Strategy Financial & Operating Performance Liquidity 18.0% Capital adequacy ratio 20.7% AD ratio 94.2% 90-100% management target Assets Loan growth (net) 10% 5% range Emirates NBD 12 2015 Macro themes • Regional Resilience of UAE economy due to non-oil sectors Sustained weakness in oil price dampened business and investor sentiment Strong dollar impact on Dubai tourism counterbalanced by overall growth in number of visitors helped by new routes Tighter market liquidity conditions due to outflow of government deposits in the banking system SME skip cases raised concerns on credit quality • Global Recovering US economy Global stock market volatility dampened investor sentiment Slowdown in global growth contributed to weaker business and investor sentiment

View entire presentation