Emirates NBD Earnings Presentation

Profit and Balance Sheet Growth in Recent Years 1.29 1.94 2006 2007 Assets 45.2 15% Revenues (USD billion)(1) 32% 2.94 2.30 0.68 2008 2.26 2.03 1.07 0.82 Net Profits (USD billion)(1) 2009 Q3 2010 YTD 2006 2007 Assets and Loans (USD billion) 76.9 76.7 77.4 69.1 2006 2007 2008 2009 Q3 2010 Loans 18% 56.9 58.4 54.8 45.3 29.7 2006 2007 2008 2009 Q3 2010 Deposits 4% 1.00 0.91 0.05 2008 0.86 0.53 2009 Q3 2010 YTD Deposits and Equity (USD billion) 22% 54.1 49.3 44.2 38.3 26.0 2006 2007 2008 2009 Q3 2010 Equity(2) 16% 7.3 7.0 5.2 5.3 4.2 2006 2007 2008 2009 Q3 2010 1) The comparative results for 2007 were prepared on a pro forma basis, which assumed that the merger occurred on 1 January 2007. Prior Year 2006 is the aggregation of Emirates Bank International and NBD 2) Equity is Tangible Shareholder's Equity excluding Goodwill and Intangibles. Source: Financial Statements, Aggregation of Emirates Bank International and NBD results Emirates NBD 13

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