Q3-15 Financial Results Highlights

Appendix Strategy Financial & Operating Performance Emirates NBD Profile Operating Environment Loan and Deposit Trends Emirates NBD Highlights Gross loans grew 7% since end 2014 with strong growth in Retail and Islamic banking Islamic financing grew 20% since end 2014 Consumer lending grew 9% since end 2014, mainly due to auto loans and credit cards Deposits decreased 2% q-o-q and increased by 4% from end 2014 • CASA deposits up 3% q-o-q and 9% since end 2014 and represent 61% of total deposits, up from 43% at end 2012 Trend in Gross Loans by Type (AED Bn) +7% +2% 285 272 279 259 262 265 267 271 235 216 205 178 195 196 209 197 200 201 202 207 162 166 22 28 29 29 33 27 27 28 29 20 22 20 28 33 36 36 38 39 38 40 43 46 3. 1 Q4 10 Q4 11 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Corporate Consumer Islamic* Treasury/Other Trend in Deposits by Type (AED Bn) * Gross Islamic Financing Net of Deferred Income +4% 274 -2% 252 253 258 269 260 240 250 214 LO 5 193 107 105 97 103 99 110 99 110 122 113 127 141 144 148 151 157 159 164 79 91 Q4 11 Q4 12 Q4 13 Q1 14 Q2 14 Q3 14 Q4 14 Q1 15 Q2 15 Q3 15 Other Time CASA 17

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