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19 The details of impaired loans by Geography and Economic Activity are as below: IMPAIRED LOANS BY ECONOMIC ACTIVITY Overdue (Gross of Interest in Suspense/ Provisions) Less than 90 days 90 days AED 000 and above AED 000 Total AED 000 Provisions Specific* AED 000 Adjustments General** AED 000 Write-offs AED 000 Write- backs AED 000 Interest in Suspense AED 000 Total Impaired Assets AED 000 Agriculture, Fishing & Related Activities 604,810 604,810 389,400 95 5 215,405 Crude oil, Gas, Mining & Quarrying Manufacturing Electricity and Water 68,945 68,945 Construction 2,007,467 644,493 5,386,679 Trade 3,210,847 2,007,467 644,493 5,386,679 3,210,847 66,122 1,426,703 1,424 1,399 13,686 19,956 269,240 311,524 449,478 4,471,826 2,415,817 219 318,157 80,764 105,666 83,229 1,148,394 672,230 194,796 (233,541) 122,800 Transport, Storage & 443,986 443,986 302,295 64,801 77,538 29,562 112,129 Communication Financial Institutions 8,996,997 8,996,997 5,775,097 137,079 1,856,907 1,364,993 Real Estate 7,954,101 Services Personal All Others Total 4,709,492 4,729,032 4,729,032 695,659 39,452,508 7,954,101 4,709,492 4,029,606 18,921 50,101 2,665,628 2,388,720 695,659 39,452,508 294,238 24,674,930 10,309,881 937,444 500,956 2,096,710 10,324 204,471 58,457 584,935 2,316,471 1,372,362 1,608,024 671,502 1,842,874 497,438 124,906 9,634,594 276,515 5,142,984 31 DECEMBER 2020 EMIRATES NBD BANK PJSC - BASEL II - PILLAR III DISCLOSURES - FOR THE YEAR ENDED 31 DECEMBER 2020 *Specific provisions represent Stage 3 Expected Credit Loss ('ECL). **General provisions represent Stage 1 and Stage 2 Expected Credit Loss ('ECL'). 20 IMPAIRED LOANS BY ECONOMIC ACTIVITY (continued) Overdue (Gross of Interest in Suspense/ Provisions) Less than 90 days 90 days and above Total AED 000 AED 000 AED 000 Provisions Specific* AED 000 Adjustments General** AED 000 Write-offs AED 000 Write- backs AED 000 Interest in Suspense AED 000 Total Impaired Assets AED 000 Agriculture, Fishing & Related Activities Crude oil, Gas, Mining & Quarrying 854,973 854,973 197,640 2,379 51,362 5 657,328 123,748 Manufacturing Electricity and Water Construction 1,144,631 35,207 4,369,449 Trade 2,985,637 123,748 1,144,631 35,207 4,369,449 2,985,637 24,604 37,671 8,474 1,070 98,074 561,255 90,202 187,273 117,489 465,887 102,064 3,184,267 10,112 2,181,261 194,608 67,399 163,253 138,363 (66,857) 1,052,929 132,253 649,815 154,561 Transport, Storage & Communication Financial Institutions 556,436 8,151,034 556,436 270,199 11,578 18,484 53,146 233,091 Real Estate Services Personal All Others Total 8,151,034 6,504,039 6,504,039 4,264,247 4,264,247 4,273,002 886,344 34,148,747 5,771,859 301,835 1,770,704 608,471 3,833,911 109,400 2,718,540 303,984 4,273,002 886,344 34,148,747 1,849,593 224,059 20,919,252 8,307,143 926,008 18,176 2,005,953 443,516 128,683 275,010 39,545 1,521,362 1,915,262 754,866 1,056,470 489,237 1,431,217 992,192 76,185 8,124,292 586,100 5,105,203 31 DECEMBER 2019 *Specific provisions represent Stage 3 Expected Credit Loss ('ECL). **General provisions represent Stage 1 and Stage 2 Expected Credit Loss ('ECL'). بنك الإمارات دبي الوطني Emirates NBD

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