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Investor Presentaiton

Emirates NBD 8 Emirates NBD at a glance #1 bank in the UAE Market share in the UAE (as at 31 Dec 2015) Assets c.16.4%; Loans c.19.9% Deposits c.19.5% Retail market share (estimated as at 31 Dec 2015) Personal loans c.14% Home loans c.4% Auto loans c.15% Credit cards c.17.6% Debit cards c.23.6% Fully fledged financial services offerings across retail banking, private banking, wholesale banking, global markets & trading, investment banking, brokerage, asset management, merchant acquiring and cards processing Largest branch network in the UAE Dubai 103 Ras al-Khaimah (5) Abu Dhabi 25 Sharjah 17 Umm al-Quwain (2) Other Emirates 12 -Fujairah (3) Total 157 Ajman (2) Sharjah (17) Dubai (103) Abu Dhabi (25) Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Appendix Credit ratings Long Term Short Term Outlook Baa1 P-2 Positive Moody's Fitch Ratings A+ F1 Stable CCAPITAL intelligence A A1 Positive International presence Branch ā— Rep office ā— Egypt (64 branches)
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