Emirates NBD Banking Sector Update

Credit Quality Group Loan Portfolio by Type – Q3 2011 YTD(1) - Islamic 9% 100% AED 209.1b Retail 10% Sovereign 27% Corporate 54% Impaired Loans Composition (AED million) Loan Portfolio by Type – Q3 2011 YTD(1) 100% = AED 209.1b Transport & comms 2% Others Contracting 3% 4% Manuf. 3% Trade 4% Personal - Sovereign 27% Real estate 15% FI & Investment Co's 16% Corporate 5% Services 9% Personal - Retail 12% Impairment Allowance Composition (AED million) ■Credit Underlying Credit IIRLS (2) 21,283 Investment Securities 20,562 361 371 19,024 369 13,969 11,564 11,522 9,164 26,941 360 ■Specific-Underlying Credit (2) ■Specific IIRLS ■Investment Securities 12,069 263 10,550 9,644 267 1,695 270 745 8,322 912 265 912 5,948 674 9,537 10,111 3,314 8,462 5,831 7,145 12,611 981 3,292 789 5,275 8,679 9,348 9,491 1,316 5,041 2,333 1,976 2008 2009 2010 Q1 11 Q2 11 Q3 11 2008 2009 2010 Q1 11 Q2 11 Q3 11 1) Gross Loans and receivables before provisions and deferred income 2) IIRL = Interest Impaired Renegotiated Loans Emirates NBD 20 20

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