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Investor Presentaiton

Appendix Strategy Financial & Operating Performance 100% 80% 60% 40% 20% 0% -20% -40% Feb-12 May-12 Aug-12 Emirates NBD Profile Operating Environment Dubai Economic Overview (2/3) Highlights Tourism continues to be a key driver of Dubai's growth with Dubai International Airport, the world's busiest international hub, enjoying strong passenger growth of 6.0% in 2014 despite major runway refurbishment in May-July. • Growth in passenger numbers slowed to -5.0% y/y in March 2015, as the number of Russian/ CIS passengers declined by more than a third relative to a year ago. Increased supply of rooms in the hotel sector, and a strong USD have contributed to a -7.7% y/y decline in RevPAR (Feb 2015). Hotel occupancy stood at 86.2% in February, just 2% lower y/y. Mn 7 654 3 210 Hotel Occupancy and RevPAR Nov-12 Feb-13 May-13 Aug-13 . RevPAR (% y/y) Hotel Occupancy (%) Source: STR Global, Emirates NBD Research Nov-13 Feb-14 May-14 - Aug-14 Nov-14 Feb-15 Dubai Airports Passenger Traffic Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Dec-13 Passenger traffic (Mn people) (lhs) Source: Dubai Airports, Emirates NBD Research Passenger traffic (% y/y) (rhs) Dubai: External Trade Growth Trends Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 1,000 800 600 60% 40% 400 200 Matt 20% 0% -20% 0 -40% 2006 2007 2008 2009 2010 2011 2012 2013 2014e Exports & Re-Exports (lhs) Imports (lhs) Imports (% y/y) (rhs) Source: Dubai Statistics Centre Exports & Re-exports (% y/y) (rhs) 5 TT Emirates NBD 30% 25% 20% 15% 10% 5% 0% -5% -10% -15%
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