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Investor Presentaiton

Egyptian Business Overview Highlights Financials Emirates NBD • • Full service commercial banking platform: • • Corporate Banking: focused on large corporate and MNCs; serves c.4,000 clients Retail Banking: High growth segment; serves c.246,000 clients Wide presence in Egypt through 72 branches and 185 ATMs Financially sound with robust profitability and a healthy balance sheet AED Mn Year 2013 (from 9-June-13) H1-14 Net interest income 225 222 Non-interest income 133 104 Total income 358 326 • Improving Cost to Income Ratio Operating expenses (193) (158) Pre-impairment operating profit 165 168 Impairment allowances (22) (14) Net Loans Deposits Operating profit 143 154 100% = AED 3.7 Bn 100% AED 9.1 Bn Taxation charge (30) (51) Other Net profit 113 103 1% Time AED Bn 31-Dec-13 30-Jun-2014 32% 45% Retail Net Loans 3.7 3.5 55% 67% Deposits 9.0 9.1 Corporate CASA Impaired Loan Ratio (%) 0.2% 0.5% Cost to Income Ratio (%) 53.8% 48.0% 27
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