Tanfeeth Overview

Divisional Performance Wholesale Banking Consumer Banking & Wealth Management ☐ ☐ ☐ ■ Key focus during Q3 2012 was on strategy re-alignment to ensure enhanced future customer service quality and share of wallet, increased cross-sell of Treasury and Investment Banking income and increased Cash Management and Trade Finance penetration Balance Sheet Trends AED billion +6% Revenue Trends AED million +4% 172.4 171.2 158.2 161.1 162.0 4,835 4,400 4,580 3,648 1,248 Revenue declined 7% y-o-y (from Q3 2011 YTD to Q3 2012 YTD) resulting from lower net interest income due to asset spread compression 1,126 1,081 3,123 94.2 83.2 1,008 73.8 79.2 69.8 854 +13% 3,587 3,274 3,499 2,640 2,269 Loans rose by 6% from end 2011 as new underwriting more than offset normal loan repayments ■ Deposits grew by 13% from end 2011 CWM continued to improve its position during the quarter Revenue grew by 15% y-o-y (from Q3 2011 YTD to Q3 2012 YTD) Deposits grew 14% from end 2011 Loans grew 4% during from end 2011 driven by growth in personal loans and the SME segment Channel optimisation strategy being pursued to enhance efficiency across all distribution channels, resulting in a net reduction of 8 branches and 64 ATM/SDMs during Q3 2012 YTD to 104 and 566 respectively All P&L numbers are YTD, all Balance Sheet numbers are at end of period Emirates NBD 2008 2009 2010 2011 Q3 2012 2008 2009 2010 2011 9M 2012 Loans Deposits NFI NII Balance Sheet Trends AED billion Revenue Trends AED million +18% +4% 86.1 3,910 75.4 +14% 3,387 3,322 3,280 66.1 3,012 1,000 790 54.4 940 939 790 45.3 26.0 22.2 19.1 18.8 19.6 2,597 2,910 2,222 2,382 2,342 2008 2009 2010 2011 Q3 2012 2008 2009 2010 2011 9M 2012 Loans Deposits NFI NII 28

View entire presentation