Investor Presentaiton

The Group's credit exposure by Geography and Economic activity, both funded and non-funded is detailed below: GROSS CREDIT EXPOSURE BY GEOGRAPHY 31 DECEMBER 2020 Loans Other off-balance & Islamic financing AED 000 Debt securities AED 000 Other assets AED 000 Total funded AED 000 Commitments AED 000 OTC derivatives AED 000 sheet exposures AED 000 Total non-funded AED 000 Total AED 000 United Arab Emirates GCC excluding UAE* Arab League (excluding GCC) Asia Africa North America 158,621 3,230,572 South America Caribbean Europe Australia 6,955 79,837 15,402,818 221,106 372,250,945 18,169,575 103,202,075 493,622,595 14,870,015 19,818,010 8,058,462 42,746,487 9,265,084 4,598,568 4,550,461 18,414,113 75,885,006 13,450,857 19,616,448 108,952,311 20,487 408,267 1,266,765 22,059 3,252 4,242,429 813,706 48,418 985,832 428,754 4,655,958 107,395 4,637,796 1,080,045 102,005 1,372,750 5,321 1,479,031 32,688,288 1,279,490 865,680 14,427,076 3,932 4,017 41,568,513 3,173,241 1,016,103 16,785,658 535,191,108 45,919,728 19,430,216 9,253 1,590,443 125,737,969 438,007 6,246,401 Others Total 488,160,874 6,456,659 25,704 279,496 66,029,441 22,136,983 9,761 29,014 83,089 43,996,460 256,571 279,496 159,274,533 713,464,848 29,014 83,089 2,108,137 74,943 573,231 74,657,626 788,122,474 Other Assets include Cash & Deposits with Central Bank, Due from Banks, Trading securities, Investment securities (net of Debt Securities), Investment Properties, Investment in associate, Property & Equipment, and Other Assets. 5,874,039 74,932 10,302 1,884,065 9,866,241 53,862,701 11 331,514 8,305,917 14,636,221 562,929 51,715,488 852,727 13 EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES - FOR THE YEAR ENDED 31 DECEMBER 2020 14 *This includes Saudi Arabia, Bahrain, Kuwait, Oman and Qatar. The Group's credit exposure by Geography and Economic activity, both funded and non-funded is detailed below (continued): GROSS CREDIT EXPOSURE BY GEOGRAPHY (continued) 31 DECEMBER 2019 Loans Other off-balance & Islamic Financing AED 000 Debt securities AED 000 Other Assets Total funded OTC Commitments AED 000 AED 000 AED 000 derivatives AED 000 sheet exposures AED 000 Total non-funded AED 000 Total AED 000 United Arab Emirates GCC excluding UAE* Arab League (excluding GCC) 362,994,299 12,706,195 7,753,561 Asia Africa North America South America Caribbean Europe Australia 70,763,176 32,006 621,867 4,547 19,097 19,657,795 228,171 8,551,578 6,897,187 99,122,010 469,013,496 10,609,427 14,720,132 38,035,754 4,203,077 9,057,404 21,014,042 13,584,103 28,794,283 113,141,562 899,630 931,636 2,162,356 11,335,801 5,909,574 226,719 102,600 1,995,963 3,893,082 958,354 37,373,015 949,307 47,175,671 516,189,167 71,581 74 Others Total 474,780,714 5,487,790 25,699 185,027 49,543,888 19,993,426 64,456 174,813,771 4,621 19,097 45,139,011 318,326 185,027 699,138,373 61,993 16 795,665 4,175 43,552 1,138,314 13,418,567 3,110 2,171 465 7,285 107,716 481 584,515 29,625 8,911,005 4,902,061 25,410 3,478 1,650,173 10 10,697,358 942,642 55,477,774 2,134,380 40,170,134 1,312,495 22,326,537 16,210,195 129,351,757 938,921 11,443,517 5,102 19,097 7,136,749 52,275,760 25,420 343,746 975,745 1,160,772 75,086,137 774,224,510 Other Assets include Cash & Deposits with Central Bank, Due from Banks, Trading securities, Investment securities (net of Debt Securities), Investment Properties, Investment in associate, Property & Equipment and Other Assets. بنك الإمارات دبي الوطني Emirates NBD *This includes Saudi Arabia, Bahrain, Kuwait, Oman and Qatar.

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